Tpl Insurance Ltd · PSX:TPLI
Tpl Insurance — Investor Presentation (2026)
24 slides from Tpl Insurance's investor presentation, Jul 14, 2026
Slide 1: Investment Brief '26
Investment Brief '26 TPL Insurance
Slide 2: Market Snapshot
Market Snapshot
Slide 3: Pakistan Insurance Market — Structure & Scale
Pakistan Insurance Market — Structure & Scale Market Size and Penetration Conventional 7 40,000 Market Size (USD million) Insurance Penetration 4.00% players Life 3.00% Islamic 2 30,000 1.80% 1.80% players 1.40% 2.00% Insurance 1.30% 1.00% Industry of 0.60% Pakistan Conventional 27 players 20,000 0.
Slide 4: Where Does TPL Rank in Pakistan's Insurance Industry?
Where Does TPL Rank in Pakistan's Insurance Industry? Non-Life Market Share (CY24) Pakistan Non-Life Segmentation Global Premium Disposition (CY24) EFU General (20.1%) Motor (29%) 20% Adamjee (16.5%) 17% Fire & Property Others Jubilee (10.8%) 29% (29%) 38.5% 12% Marine/Aviation 16% IGI (7.2%) (13%)
Slide 5: Total Addressable Retail Market (TAM) — Pakistan
Total Addressable Retail Market (TAM) — Pakistan SEC A SEC B SEC C SEC D+ Population TAM 12m Urban (97.2m) & Rural 36m 84m (142.8m) 108m Total Monthly Income 12,000b Potential (PKR) 12,600b 10,500b 2,970b % of Income on Insurance 1.5% 1% 0.5% 0.25% (developing countries) 89b Annual Insurance 603b Po
Slide 6: Serviceable Obtainable Retail Market (SOM)
Serviceable Obtainable Retail Market (SOM) SEC A SEC B SEC C SEC D+ 252b Urban Insurance 1,058b 24b Potential – TAM (PKR) 1,944b Digital Awareness 90% 75% 50% 30% 126b 7b Potential Aware 794b Insurance Segment 1,750b 445b 71b SOM — Top 10 Cities 3b (Serviceable Obtainable) 980b Serviceable Obtainabl
Slide 7: Potential Opportunities in Market
Potential Opportunities in Market Total Addressable Assets Opportunity Size (Premium Current Premiums / Insurance Product Key Insight / Gap (Nationwide) Potential) Penetration Motor Insurance 30M Registered Vehicles PKR 1.5T+ PKR 40B+ (including bikes) (on basic coverage) (<3% penetration) Agricultu
Slide 8: Business Development
Business Development
Slide 9: Product Range
Product Range Bus Ticket- Domestic Bus cancellation/delay- Emergency breakdown-Loss of baggage. aa Shop Coverage to small shop owners against theft or property damage. culator Carculator “Carculator” catering to diverse preferences with the ability to add on additional coverage options at Bike Perso
Slide 10: Solidifying Banks & FI relationships (FIG)
Solidifying Banks & FI relationships (FIG) 2025 Gross 2024 Gross Growth Premium Premium 2025 Key Highlights PKR 1,757m PKR 1,414m 24% 2026 Initiatives Initiate fresh business with Faysal Bank upon limit enhancement Secured PKR 45 mn in Launched Fleet Auto rollover motor business Takaful in partnersh
Slide 11: Penetrating the retail market through dealerships
Penetrating the retail market through dealerships 2025 Recap • Achieved 100% of the Retail Sales budget for 2025, marking a strong year- end performance. • Positioned to close 2025 as the most successful year in the Retail department’s history. • Insurance Guarantee business via Honda and MG dealers
Slide 12: 2025 Digital Sales - Partnership & Alliances
2025 Digital Sales - Partnership & Alliances Partners Products Revenue Partners Active Micro Policies Issued Generated Onboarded Products Kravemart Health 36,625,461 37.8M 13 33 Oladoc Health WebDoc Micro Partners Products Status Insurekar Retail ADMAA Shop Digitt+ • Retail Integration In Process 1L
Slide 13: Corporate Business Development (BSD)
Corporate Business Development (BSD) Broker Business Key highlights 2025 2025 Gross 2024 Gross • Retail (TCS) scaled to PKR 79 mn; PKR 90+ mn in 2025, PKR 180 mn target for % Premium Premium 2026 • Direct corporate accounts up 10% PKR 174m PKR 438m -60% • Marine NPW up 300% Team Business • Motor dir
Slide 14: Commercial Lines
Commercial Lines Achievements & New Business Highlights 2025 • Introduced new business classes: Travel Guarantee, 2025 GP 2024 GP Growth ACCAP, CASS & Non-CASS Airlines PKR 855m PKR 831m 2.9% • Built a strong pipeline expected to generate ~PKR 120 mn in new premium in 2026 • Developed a strategic hi
Slide 15: Contact Centre
Contact Centre Initiatives for 2026 • HubSpot utilization scale-up (Service & Revenue) 2025 Key Achievements • AI Agents (Inbound & Outbound) • WhatsApp channel enhancement • Service Level improved to 92% | PKR 800+ Mn • 100% SLA compliance premium achieved (Renewal + New) • 24/7 scalable medical cl
Slide 16: Financial Standing
Financial Standing
Slide 17: GWP by Class of Business – YTD December 2025
GWP BY CLASS OF BUSINESS – YTD December 2025 (Rs in million) Agri Premium Mix Product Growth Misc.** 2% 7,000 100% Health 7% 87% 85% 6,000 80% 7% 5,000 60% Marine 47% 43% 40% 4% 4,000 3,000 15%20% Property 5% 0% 10% 2,000 -20% -20% 1,000 -35% -40% 0 -60% Motor 70% Motor Property Marine Health Misc.*
Slide 18: Financial Results – YTD December 2025
F i n a n c i a l R e s u l t s – Y T D 3 1 st D e c e m b e r 2 0 2 5 (Rs in million) Dec Dec Growth Variance 2025 2024 % ❖ GWP increased by 735m (15%) YoY. GWP 5,756 5,021 735 15% ❖ Premium under Misc. reported increase of 86% vs PY NEP 4,299 3,422 877 26% while Marine reported 47% increased YoY.
Slide 19: Marketing & Awareness
Marketing & Awareness
Slide 20: Marketing at a glance
Marketing at a glance • Invest Expo • PAC Agri • BOYA (Brand of the Year Awards) • Consumer Choice Award • Pakistan FinTech Network (PFN) • Reset Event - Launched Titania • Crises Coms – Seeders Activation • Meta & TikTok Awareness campaigns • PR & Media (Press Release, Digital Article etc.) • Radio
Slide 21: AI & Digitization
AI & Digitization
Slide 22: Adopting AI at TPL Insurance
Adopting AI at TPL Insurance Department Description Finance Smart and Auto Task Assigning to Team Marketing Reading and understanding of Section and clauses in Legal contracts Marketing Content Creation Marketing Jira Integration with Google Sheet HR Automated Recruitment screening process/Resume sh
Slide 23: Digitizing TPL Insurance
Digitizing TPL Insurance Process Digitization: Project Management • Digitized key processes with e-approval workflows and centralized digital record- • Implemented Jira as the central platform keeping for enterprise project and task management • Successfully enlisted 96 service partners, including h
Slide 24: Hubspot (CRM) Implementation
Hubspot (CRM) Implementation Sales Marketing Service • 58/67 sales users onboarded • Engaged 200,000+ customers via • 34/34 service users onboarded; digital campaigns active usage across channels • 95K+ leads, 480k+ contacts, 2,679 deals created • Delivered 672,279 emails across 35 • 483 emails hand