Habib Insurance Company Balance Sheet

Financials in millions PKR. Fiscal year is January - December.

Millions PKR. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Investments in Debt Securities	409.05	250	250	753.55	130.22
Investments in Equity & Preferred Securities	2,661	2,009	1,253	821.12	1,210
Total Investments	3,070	2,259	1,503	1,575	1,341
Cash & Equivalents	105.04	475.04	661.86	395.78	96.81
Reinsurance Recoverable	2,254	1,428	1,411	908.89	1,117
Other Receivables	936.6	945.77	807	817.49	823.11
Property, Plant & Equipment	105.23	99.41	114.02	56.1	68.89
Other Intangible Assets	10.46	13.36	0.24	0.45	0.67
Other Current Assets	575.41	736.61	715.34	558.39	512.53
Long-Term Deferred Charges	276.74	250.92	217.07	169.58	145.64
Other Long-Term Assets	436.14	276.09	64.67	62.3	88.02
Total Assets	7,770	6,485	5,494	4,544	4,194
Accrued Expenses	304.1	323.78	257.07	189.04	198.23
Insurance & Annuity Liabilities	421.3	383.5	373.08	117.21	180.38
Unpaid Claims	1,884	1,044	1,055	959.57	786.59
Unearned Premiums	1,869	1,810	1,582	1,419	1,179
Reinsurance Payable	201.16	381.72	337.47	397.31	243.03
Current Portion of Leases	8.39	16.38	19.36	14.54	11.99
Short-Term Debt	58	-	-	-	-
Long-Term Leases	5.96	9.38	21.4	16.37	25.54
Long-Term Deferred Tax Liabilities	445.64	296.89	142.07	17.29	82.02
Other Current Liabilities	72.98	69.65	69.39	83.54	62.81
Other Long-Term Liabilities	26.42	10.5	40.22	30.87	37.87
Total Liabilities	5,402	4,429	3,991	3,375	2,939
Common Stock	619.37	619.37	619.37	619.37	619.37
Retained Earnings	675.66	684.35	499.13	448.09	406.77
Comprehensive Income & Other	1,073	751.7	384.95	100.84	228.93
Shareholders' Equity	2,368	2,055	1,503	1,168	1,255
Total Liabilities & Equity	7,770	6,485	5,494	4,544	4,194
Filing Date Shares Outstanding	123.87	123.87	123.87	123.87	123.87
Total Common Shares Outstanding	123.87	123.87	123.87	123.87	123.87
Total Debt	72.35	25.76	40.77	30.91	37.53
Net Cash (Debt)	32.69	449.28	621.1	364.87	59.28
Net Cash Growth	-92.72%	-27.66%	70.23%	515.46%	4.68%
Net Cash Per Share	0.26	3.63	5.01	2.95	0.48
Book Value Per Share	19.12	16.59	12.14	9.43	10.13
Tangible Book Value	2,358	2,042	1,503	1,168	1,254
Tangible Book Value Per Share	19.03	16.48	12.13	9.43	10.13
Machinery	182.83	155.7	141.93	84.01	79.57

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Insurance template. Financial Sources.