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JLICL Jubilee Life Insurance Company Limited

Latest results: FY2025 · Dec 2025 Q2 FY2026 · Apr – Jun 2026

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Last close · 16 Oct 2026

Rs 101.85 -0.15%

Annual · FY2006 – FY2025

Jubilee Life Insurance Company Limited (JLICL) balance sheet

At the end of FY2025 (Jan – Dec 2025) Jubilee Life Insurance Company Limited had total assets of Rs 265.8 bn, up 12.2% on FY2024. Shareholders' equity was Rs 18.8 bn (Rs 125.11 per share), 7.1% of total assets.

JLICL balance sheet (annual) (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 * Jan – Dec 2024 FY2023 * Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Assets
Cash & cash equivalents 4.8 3.9 3.9 4.2 3.1
Investments 246.9 219.3 189.4 173.1 178.0
Premium receivables 3.5 3.0 2.3 2.2 1.9
Reinsurance assets — — — — —
Total assets 265.8 236.8 205.5 187.9 190.6
Liabilities
Insurance reserves 213.7 192.2 165.1 152.4 159.5
Total liabilities 246.9 219.4 190.1 173.9 177.5
Equity
Equity attributable to shareholders 18.8 17.3 15.4 13.9 13.1
Total equity 18.8 17.3 15.4 13.9 13.1
Total liabilities & equity 265.8 236.8 205.5 187.9 190.6
Key figures
Shares outstanding mn 150.5 150.5 150.5 150.5 150.5
Common equity 18.8 17.3 15.4 13.9 13.1
Book value per share (Rs) Rs 125.11 115.15 101.99 92.62 86.82
JLICL balance sheet — year-on-year change (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 * Jan – Dec 2024 FY2023 * Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Assets
Cash & cash equivalents +22.4% +0.3% -5.9% +35.4% -37.7%
Investments +12.6% +15.8% +9.4% -2.7% +1.3%
Premium receivables +17.8% +31.9% +3.6% +17.7% -17.9%
Reinsurance assets — — — — —
Total assets +12.2% +15.2% +9.4% -1.4% +0.1%
Liabilities
Insurance reserves +11.2% +16.4% +8.4% -4.5% -1.0%
Total liabilities +12.5% +15.4% +9.3% -2.0% -0.0%
Equity
Equity attributable to shareholders +8.6% +12.9% +10.1% +6.7% +1.5%
Total equity +8.6% +12.9% +10.1% +6.7% +1.5%
Total liabilities & equity +12.2% +15.2% +9.4% -1.4% +0.1%
Key figures
Shares outstanding — — — — —
Common equity +8.6% +12.9% +10.1% +6.7% +1.5%
Book value per share (Rs) +8.6% +12.9% +10.1% +6.7% +1.5%

Change against the previous fiscal year; shown when the earlier figure is positive.

JLICL balance sheet — common size (Rs mn)
Rs mn FY2025 Jan – Dec 2025 FY2024 * Jan – Dec 2024 FY2023 * Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Assets
Cash & cash equivalents 1.8% 1.7% 1.9% 2.2% 1.6%
Investments 92.9% 92.6% 92.2% 92.1% 93.4%
Premium receivables 1.3% 1.3% 1.1% 1.2% 1.0%
Reinsurance assets — — — — —
Total assets 100.0% 100.0% 100.0% 100.0% 100.0%
Liabilities
Insurance reserves 80.4% 81.2% 80.4% 81.1% 83.7%
Total liabilities 92.9% 92.7% 92.5% 92.6% 93.1%
Equity
Equity attributable to shareholders 7.1% 7.3% 7.5% 7.4% 6.9%
Total equity 7.1% 7.3% 7.5% 7.4% 6.9%
Total liabilities & equity 100.0% 100.0% 100.0% 100.0% 100.0%
Key figures
Common equity 7.1% 7.3% 7.5% 7.4% 6.9%

Each line as a percentage of total assets.

Figures in Pakistani rupees as reported by the company; costs and cash outflows in brackets; "—" = not reported. * Figures in this period do not fully reconcile in the source data (hover the * for details). Updated 16 Oct 2026.

All reported line items 131
JLICL balance sheet — all reported line items (Rs bn)
Rs bn FY2025 Jan – Dec 2025 FY2024 Jan – Dec 2024 FY2023 Jan – Dec 2023 FY2022 Jan – Dec 2022 FY2021 Jan – Dec 2021
Cash & Cash Equivalents 4.8 3.9 3.9 4.2 3.1
Receivables - Total 8.7 8.6 7.3 5.5 4.4
Insurance Premium Receivables 3.5 3.0 2.3 2.2 1.9
Income Tax - Receivables 1.2 0.6 0.3 0.5 0.3
Receivables - Other 3.9 4.9 4.7 2.8 2.2
Investments including Loans - Total 246.9 219.3 189.4 173.1 178.0
Investment Securities - Available for Sale, Held to Maturity & Held for Trading - Total 246.7 219.3 189.4 173.1 178.0
Derivative Financial Instruments - Hedging - Total 0.0 0.0 0.0 0.1 0.0
Investment Securities - Designated at Fair Value - Other 172.1 164.6 152.6 131.1 130.1
Investment Securities - Other 32.0 19.5 4.0 14.4 25.8
Investments - Other - Total — — — — —
Loans - Mortgage, Policy & Other 0.2 — — — —
Policy Loans 0.2 — — — —
Investment Securities Available for Sale & Held to Maturity 42.6 35.2 32.8 27.6 22.1
Property, Plant & Equipment - Net - Total 4.5 4.3 4.2 4.5 4.6
Property, Plant & Equipment - Gross - Total 6.9 6.6 6.3 6.5 6.3
Property, Plant & Equipment - Accumulated Depreciation & Impairment - Total 2.4 2.3 2.1 1.9 1.7
Investment Securities - Available for Sale - Total 32.7 25.9 26.2 22.2 22.1
Reinsurance Assets — — — — —
Reinsurance Recoverable - In Insurance Provisions — — — — —
Other Assets - Total 0.3 0.3 0.2 0.2 0.1
Deferred Charges — — — — —
Investments in Associates, Joint Ventures and Unconsolidated Subsidiaries 0.4 0.3 0.3 0.2 0.2
Deferred Tax - Asset - Long-Term & Short-Term — — — — —
Accrued Investment Income — — — — —
Prepaid Expenses - Total 0.3 0.2 0.2 0.1 0.1
Other Assets — — — — —
Intangible Assets - Total - Net 0.1 0.1 0.1 0.1 0.2
Pension Benefits - Overfunded - Total 0.1 0.1 0.1 0.1 0.0
Intangible Assets - excluding Goodwill - Net - Total 0.1 0.1 0.1 0.1 0.2
Intangible Assets - Gross - Total 1.1 0.9 0.9 0.9 0.8
Intangible Assets - excluding Goodwill - Gross 1.1 0.9 0.9 0.9 0.8
Intangible Assets - Accumulated Amortization & Impairment - Total 0.9 0.9 0.8 0.7 0.6
Intangible Assets - excluding Goodwill - Accumulated Amortization & Impairment - Total 0.9 0.9 0.8 0.7 0.6
Total Assets 265.8 236.8 205.5 187.9 190.6
Insurance Reserves - Total 213.7 192.2 165.1 152.4 159.5
Debt - Total 0.9 1.1 1.3 1.7 1.9
Short-Term Debt & Current Portion of Long-Term Debt 0.2 0.3 0.5 0.3 0.4
Policyholders' Funds — — — — —
Insurance Contracts - Technical Liabilities 6.6 5.2 3.7 2.5 1.7
Investment Contracts - Technical Liabilities 207.2 186.9 161.4 149.8 157.7
Current Portion of Long-Term Debt including Capitalized Leases 0.2 0.3 0.5 0.3 0.4
Trading Liabilities — — — — —
Capitalized Leases - Current Portion 0.2 0.2 0.2 0.1 0.2
Debt - Long-Term - Total 0.7 0.8 0.9 1.4 1.5
Current Portion of Long-Term Debt excluding Capitalized Leases — 0.1 0.3 0.3 0.3
Capitalized Lease Obligations - Long-Term 0.7 0.8 0.7 1.0 0.8
Long-Term Debt excluding Capitalized Leases 0.0 0.0 0.1 0.4 0.6
Debt - Non-Convertible - Long-Term 0.0 0.0 0.1 0.4 0.6
Dividends Payable 0.1 0.2 0.8 0.7 0.2
Deferred Tax & Investment Tax Credits - Long-Term 2.9 2.4 2.0 1.6 1.4
Deferred Tax - Liability - Long-Term 2.9 2.4 2.0 1.6 1.4
Payables & Accrued Expenses 26.7 21.1 16.4 14.3 12.2
Trade Account Payables - Total 0.1 0.1 0.1 0.1 0.0
Accrued Expenses 8.2 6.6 1.8 1.6 1.5
Payable - Reinsurance & Brokers/Agents 0.2 0.3 0.3 0.0 0.0
Other Liabilities - Total 2.6 2.5 4.4 3.2 2.3
Other Payables - Total 18.1 14.0 14.2 12.5 10.6
Other Liabilities - 0.2 0.5 2.7 1.7 1.2
Provisions — — — 0.0 0.0
Post Employment Benefits - Pension & Other — — — 0.0 0.0
Deferred Revenue/Income 2.4 2.0 1.8 1.6 1.1
Total Liabilities 246.9 219.4 190.1 173.9 177.5
Shareholders' Equity - Attributable to Parent Shareholders - Total 18.8 17.3 15.4 13.9 13.1
Common Equity Attributable to Parent Shareholders 18.8 17.3 15.4 13.9 13.1
Common Equity - Contributed 1.0 1.0 1.0 0.9 0.9
Common Stock - Issued & Paid 1.0 1.0 1.0 0.9 0.9
Equity - Non-Contributed - Reserves & Retained Earnings 17.8 16.3 14.3 13.1 12.2
Retained Earnings - Total 16.8 15.6 14.2 13.2 12.3
Comprehensive Income - Accumulated - Total 1.0 0.8 0.1 (0.1) (0.1)
Investments - Unrealized Gain/Loss 0.9 0.7 0.1 (0.1) (0.1)
Foreign Currency Translation Adjustment - Accumulated 0.1 0.1 0.1 — —
Other Reserves/Equity - Total 0.0 0.0 0.0 0.0 0.0
Common Equity - Total 18.8 17.3 15.4 13.9 13.1
Total Shareholders' Equity - including Minority Interest & Hybrid Debt 18.8 17.3 15.4 13.9 13.1
Total Liabilities & Equity 265.8 236.8 205.5 187.9 190.6
Common Shares - Issued - Total mn 150.5 150.5 150.5 150.5 150.5
Common Shares - Outstanding - Total mn 150.5 150.5 150.5 150.5 150.5
Common Shares - Treasury - Total mn 0.0 0.0 0.0 0.0 0.0
Common Shares - Authorized - Issue Specific mn 300.0 300.0 300.0 345.0 345.0
Common Shares - Issued - Issue Specific mn 150.5 150.5 150.5 150.5 150.5
Common Shares - Outstanding - Issue Specific mn 150.5 150.5 150.5 150.5 150.5
Common Shares - Treasury - Issue Specific mn 0.0 0.0 0.0 0.0 0.0
Asset Allocation Factor - Issue Specific 1.00× 1.00× 1.00× 1.00× 1.00×
Right of Use Tangible Assets - Total - Net - Supplemental 0.7 0.8 0.7 0.8 0.8
Right of Use Tangible Assets - Capital/Finance Lease - Net - Supplemental 0.7 0.8 0.7 0.8 0.8
Property, Plant & Equipment - excluding Right of Use Tangible Assets & Capital Leases - Net - Supplemental 3.8 3.5 3.5 3.7 3.8
Finance and Operating Lease Liabilities - Total - Supplemental 0.9 1.0 1.0 1.0 1.0
Debt including Finance and Operating Lease Liabilities - Supplemental 0.9 1.1 1.3 1.7 1.9
Net Debt (3.9) (2.8) (2.6) (2.5) (1.2)
Capital Lease Maturities - Total 0.9 1.0 — — —
Capital Lease Maturities - Due within 1 Year 0.2 0.2 — — —
Capital Lease Maturities - Due in Year 5 0.5 0.7 — — —
Capital Lease Maturities - Remaining Maturities 0.2 0.1 — — —
Capital Lease Maturities - Due in 4-5 Years 0.5 0.7 — — —
Capital Lease Maturities - Due in Year 6 & Beyond 0.2 0.1 — — —
Investment Contracts - Technical Liabilities - Supplemental 207.2 186.9 161.4 149.8 157.7
Insurance Contracts - Technical Liabilities - Supplemental 6.6 5.2 3.7 2.5 1.7
Asset Accruals (4.8) (3.9) (3.9) (4.2) (3.1)
Cash & Cash Equivalents - Total 4.8 3.9 3.9 4.2 3.1
Cash & Securities 246.7 219.3 189.4 173.1 178.0
Cash & Short Term Investments - Total 4.8 3.9 3.9 4.2 3.1
Debt - including Preferred Equity & Minority Interest - Total 0.9 1.1 1.3 1.7 1.9
Earning Assets 246.9 219.3 189.4 173.1 178.0
Invested Assets - Total 246.9 219.3 189.4 173.1 178.0
Investment Securities 246.7 219.3 189.4 173.1 178.0
Investments - Permanent 0.4 0.3 0.3 0.2 0.2
Net Book Capital 14.9 14.5 12.8 11.4 11.9
Net Operating Assets 14.9 14.5 12.8 11.4 11.9
Non-Reserve Liabilities 33.2 27.3 25.0 21.5 18.0
Provisions - Total 2.9 2.4 2.0 1.6 1.4
Shareholders Equity - Common 18.8 17.3 15.4 13.9 13.1
Tangible Total Equity 18.7 17.2 15.3 13.8 12.9
Tangible Book Value 18.7 17.2 15.3 13.8 12.9
Total Book Capital 19.7 18.5 16.7 15.6 15.0
Total Capital 19.7 18.5 16.7 15.6 15.0
Total Long Term Capital 18.8 17.3 15.4 13.9 13.1
Trading Account — — — — —
Unearned Revenue - Total 2.4 2.0 1.8 1.6 1.1
Book Value excluding Other Equity 18.8 17.3 15.4 13.9 13.1
Cash & Short Term Investments - Net of Debt 3.9 2.8 2.6 2.5 1.2
Current Portion of Long-Term Debt including Capitalized Leases & Hybrid Financial Instruments 0.2 0.3 0.5 0.3 0.4
Interest Bearing Liabilities - Total 0.9 1.1 1.3 1.7 1.9
Net Debt Including Preferred Equity & Minority Interest (3.9) (2.8) (2.6) (2.5) (1.2)
Other Short-Term & Long-Term Assets - Total 0.3 0.3 0.2 0.2 0.1
Other Short-Term & Long-Term Liabilities - Total 0.2 0.5 2.7 1.7 1.2
Tangible Book Value excluding Other Equity 18.7 17.2 15.3 13.8 12.9
Total Debt Excluding Islamic 0.9 1.1 1.3 1.7 1.9
Book Value excluding Accumulated Comprehensive Income 17.8 16.6 15.2 14.1 13.2
Reinsurance Liabilities 0.2 0.3 0.3 0.0 0.0
Cash in Hand & with Banks - Total 4.8 3.9 3.9 4.2 3.1

Every line the company reported, in the original order and wording, without regrouping or signs changed.