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ICIBL - FoxLogica

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⏸️ ICIBL: HOLD Signal (6/10) – PRESENTATION OF CORPORATE BRIEFING SESSION – 2025

⚡ Flash Summary

ICIBL’s corporate briefing session for 2025 reveals a company in a state of recovery and cautious optimism. The company has successfully increased its financing portfolio and improved its gross revenue compared to the previous year. However, they face challenges due to reduced policy rates impacting KIBOR and difficulties in fund procurement. The focus remains on cautious financing, recovery of non-performing loans, and improvement of risk assets while awaiting regulatory approvals for capital reduction.

Signal: HOLD ⏸️
Strength: 6/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • 1. 🏦 Fresh financing increased to Rs. 746.90 million in 2025 compared to Rs. 258.27 million in June 2024.
  • 2. 💰 Investment in Government Treasury Bills decreased to Rs. 80.71 million from Rs. 190.42 million in June 2024.
  • 3. 📈 Total financing portfolio grew to Rs. 1,151.78 million from Rs. 753.56 million in the previous year.
  • 4. 📊 Equity increased by Rs. 60.69 million, reaching Rs. 761.19 million by year-end.
  • 5. 💹 Gross revenue rose to Rs. 181.53 million from Rs. 155.57 million in 2024, an increase of Rs. 25.96 million.
  • 6. 📉 Operating expenses remained stable at Rs. 36.49 million compared to Rs. 37.29 million in 2024.
  • 7. ✅ No financial charges reported due to the payoff of markup-based facilities.
  • 8. 🔄 Provisioning reversal was Rs. 9.94 million, down from Rs. 30.20 million in the previous year.
  • 9. ⚠️ Write-offs amounted to Rs. 4.24 million, compared to no write-offs in the prior year.
  • 10. 💸 After-tax profit increased slightly to Rs. 126.74 million from Rs. 124.62 million.
  • 11. 🧾 EPS stood at 0.445.
  • 12. 📉 State Bank of Pakistan’s policy rate cut to 11% from 22% impacting KIBOR (down from 20.14% to 11.34%).
  • 13. 🔍 Company awaits SECP approval for capital reduction as approved by shareholders in September 2024.
  • 14. 💼 Focus on generating funds and enhancing business activities while improving risk assets.

🎯 Investment Thesis

Based on the current information, a HOLD recommendation is appropriate for ICIBL. While the company shows signs of recovery and improved financial metrics, challenges related to funding, regulatory approvals, and fluctuating interest rates require careful monitoring. A BUY recommendation would require stronger EPS growth, clearer prospects for regulatory approval, and more stability in the economic environment. The price target is inline with its book value, given the sector.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 21, 2025

⏸️ ICIBL: HOLD Signal (5/10) – NOTICE OF CORPORATE BRIEFING SESSION – 2025

⚡ Flash Summary

ICIBL announced: NOTICE OF CORPORATE BRIEFING SESSION – 2025. Basic analysis suggests neutral sentiment. Professional review recommended.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • ICIBL made announcement: NOTICE OF CORPORATE BRIEFING SESSION – 2025
  • Automated analysis: HOLD signal detected
  • Signal strength: 5/10
  • This is basic analysis – manual review recommended
  • Professional CFA analysis unavailable

🎯 Investment Thesis

Basic HOLD indication for ICIBL. Manual verification required.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 13, 2025

⏸️ ICIBL: HOLD Signal (5/10) – CLOSURE OF PESHAWAR BRANCH OF ICIBL

⚡ Flash Summary

ICIBL announced: CLOSURE OF PESHAWAR BRANCH OF ICIBL. Basic analysis suggests neutral sentiment. Professional review recommended.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • ICIBL made announcement: CLOSURE OF PESHAWAR BRANCH OF ICIBL
  • Automated analysis: HOLD signal detected
  • Signal strength: 5/10
  • This is basic analysis – manual review recommended
  • Professional CFA analysis unavailable

🎯 Investment Thesis

Basic HOLD indication for ICIBL. Manual verification required.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

⏸️ ICIBL: HOLD Signal (5/10) – FINANCIAL RESULTS FOR THE QUARTER ENDED SEPTEMBER 30, 2025

⚡ Flash Summary

ICIBL’s unaudited financial results for the quarter ended September 30, 2025, reveal a mixed performance. The company reported a profit for the quarter of PKR 20.404 million, a decrease from the PKR 33.839 million reported in the same quarter last year. Earnings per share also decreased to PKR 0.072 from PKR 0.119. No cash dividend, bonus shares, or right shares were recommended by the board.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEGATIVE
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • 📉 Profit for the quarter decreased to PKR 20.404 million compared to PKR 33.839 million in September 2024.
  • 📉 Earnings per share (EPS) declined to PKR 0.072 from PKR 0.119 year-over-year.
  • 🚫 No cash dividend was recommended by the Board of Directors.
  • 🚫 No bonus shares were declared for the quarter.
  • 🚫 No right shares were announced.
  • ⚠️ Unrealized loss on financial assets at fair value decreased cash flow from operating activities
  • ⬆️ Total assets increased from PKR 1,567.878 million in June 2025 to PKR 1,602.287 million in September 2025.
  • ➡️ Capital reserves remained unchanged at (PKR 2,022,075,992).
  • ⬆️ Accumulated loss decreased slightly from PKR (228,327,759) to PKR (207,923,300).
  • ⬆️ Cash generated from operations decreased from PKR 32,464,486 to PKR 28,184,138.
  • ⬇️ Net cash used in investing activities was PKR (35,828,148), compared to a positive PKR 5,250,547 in the previous year.
  • ➡️ Authorized capital remains at 485,000,000 ordinary shares of Rs. 10 each.

🎯 Investment Thesis

HOLD. The company’s declining profitability and cash flow generation are concerning. Further, ICIBL has a significant accumulated loss. The price target is based on stabilizing the revenue and profit trends in future quarters. Need further clarity before making any changes in investment strategy.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

⏸️ ICIBL: HOLD Signal (6/10) – TRANSMISSION OF QUARTERLY REPORT FOR THE PERIOD ENDED SEPTEMBER 30, 2025

⚡ Flash Summary

Invest Capital Investment Bank Limited reported a net profit of PKR 20.40 million for the quarter ended September 30, 2025, a decrease from PKR 33.84 million in the same quarter last year. The decrease in profit is attributed to an unrealized loss on investment in shares. Gross revenue decreased to PKR 28.48 million compared to PKR 41.36 million in the prior year, while administrative and operating expenses slightly decreased. The company focused on increasing profitability by investing in new financing businesses (leases and loans) amounting to PKR 115.23 million and stock market shares of PKR 43.17 million. Total assets increased to PKR 1,602.29 million due to new lease/financing business.

Signal: HOLD ⏸️
Strength: 6/10
Sentiment: NEGATIVE
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • 📉 Net profit decreased to PKR 20.40 million from PKR 33.84 million year-over-year.
  • 😟 Earnings per share (EPS) fell to PKR 0.072 from PKR 0.119 year-over-year.
  • Revenue dropped to PKR 28.48 million from PKR 41.36 million year-over-year, showing a concerning decline. Revenue includes other income.
  • Expenses were well managed with administrative and operating costs at PKR 7.80 million, lower than the prior year’s PKR 8.10 million.
  • 💼 Investment in new financing businesses (leases and loans) totaled PKR 115.23 million.
  • 💸 Investment in stock market shares was PKR 43.17 million.
  • 🏦 No investment in Treasury bills due to reduced policy rate by the State Bank of Pakistan to 11.00%.
  • ✅ Effective risk management leads to negligible infection levels in the new financing business, with nearly 100% recovery of billed amounts.
  • 💪 Management remains determined to improve recovery from old non-performing leases and loans.
  • 📈 Total assets increased by PKR 34.42 million to PKR 1,602.29 million.
  • Liabilities increased to PKR 820.70 million, a sign of increased financial obligations.
  • Pakistan’s economy is showing signs of recovery with a GDP growth of 3.04% expected for fiscal year 2025.
  • Despite challenges, management is confident in improving profitability in the future.

🎯 Investment Thesis

Given the decrease in profitability and dependence on recovery from old non-performing loans, a HOLD recommendation is appropriate. While the company is taking steps to improve profitability through strategic investments, the near-term outlook remains uncertain. The target price will be kept at the current level until there’s a clear indication of recovery and sustained growth in profitability.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

⏸️ ICIBL: HOLD Signal (5/10) – CERTIFIED TRUE COPY OF RESOLUTIONS PASSED AT THE 33RD AGM OF ICIBL HELD ON 27.10.2025

⚡ Flash Summary

The document certifies the resolutions passed at Invest Capital Investment Bank Limited’s 33rd Annual General Meeting (AGM) held on October 27, 2025. Key resolutions include the confirmation and approval of the minutes from the previous AGM held on October 25, 2024. Additionally, the audited annual financial statements for the year ended June 30, 2025, along with the directors’ and auditors’ reports, were received, considered, and adopted. Avais Chartered Accountants was appointed as the external auditor until the conclusion of the next AGM for the financial year 2025-2026.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • ✅ Minutes of the previous AGM held on October 25, 2024, were confirmed and approved.
  • ✅ Audited annual financial statements for the year ended June 30, 2025, were adopted.
  • ✅ Directors’ and auditors’ reports were reviewed and accepted.
  • 🧑‍💼 Avais Chartered Accountants appointed as external auditors.
  • 📅 Auditor appointment effective until the next AGM.
  • 🗓️ Auditors will serve for the financial year 2025-2026.
  • 🏦 Board of Directors to determine the remuneration for the external auditors.
  • 📜 Resolutions passed in accordance with the Rule Book of Pakistan Stock Exchange Limited.
  • 🏢 The 33rd AGM was held on October 27, 2025.
  • ⏰ The meeting commenced at 11:00 a.m.

🎯 Investment Thesis

Given the limited scope of the document, which mainly covers procedural resolutions from the AGM, a HOLD recommendation is appropriate. Further financial information is required to assess ICIBL’s investment viability. A neutral stance is maintained until detailed financial reports are reviewed to determine a price target and time horizon.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: November 7, 2025

⏸️ ICIBL: HOLD Signal (6/10) – SCHEDULE II U/S 109(2) OF THE ACT

⚡ Flash Summary

Mrs. Ayesha Shehryar acquired 27,000,000 shares (9.48%) of Invest Capital Investment Bank Limited on October 16, 2025, at a price of Rs. Nil per share, through a gift from her sister. This acquisition increases her total shareholding to 158,447,250 shares, representing 55.62% of the total issued voting shares of the company. The transaction is reported under Section 109 of the Securities Act, 2015, and related regulations. This acquisition does not attract part IX of the Act (except reporting).

Signal: HOLD ⏸️
Strength: 6/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • 1. 👩‍💼 Ayesha Shehryar acquired 9.48% of Invest Capital Investment Bank Limited.
  • 2. 🗓️ Acquisition date: October 16, 2025.
  • 3. 🎁 Shares acquired via gift from sister.
  • 4. 💰 Price per share: Rs. Nil.
  • 5. 📈 Total shares acquired: 27,000,000.
  • 6. 📊 Previous shareholding: 131,447,250 shares.
  • 7. 🎯 New total shareholding: 158,447,250 shares.
  • 8. 👑 Total shareholding represents 55.62% of the company.
  • 9. 📜 Transaction reported under Section 109 of Securities Act, 2015.
  • 10. 🚫 Transaction does not attract part IX of the Act (except reporting).
  • 11. 🏢 Target company: Invest Capital Investment Bank Limited.
  • 12. 🤝 Transaction is between related parties (sisters).
  • 13. 📄 Disclosure made to Pakistan Stock Exchange and SECP.
  • 14. 🔒 Ayesha Shehryar’s CNIC number: 33102-4936337-4.

🎯 Investment Thesis

HOLD. Given the nature of this transaction (gift), there’s no direct investment decision to be made. The increased ownership by Mrs. Shehryar suggests a continued commitment to the company, but further information is required before determining any impact on the company’s financials or strategic direction. Monitoring how Mrs. Shehryar will use her controlling stake to influence company strategy is crucial.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: October 20, 2025

⏸️ ICIBL: HOLD Signal (5/10) – Disclosure of Interest by a Director CEO, or Executive of a listed company and their Spouses and the Substantial Shareholders u/c 5.6.1.(d) of PSX Regulations

⚡ Flash Summary

On October 16, 2025, Invest Capital Investment Bank Limited disclosed a transaction where Mrs. Ayesha Shehryar received 27,000,000 shares as a gift from her sister, Mrs. Aleeza Zahid Tariq. This transaction involves a substantial shareholder and is reported under PSX Regulations 5.6.4. The shares are held in CDC form and will be blocked, acting as sponsor shares. The company confirms that this transaction will be presented at the subsequent board meeting for consideration and compliance review.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • 🎁 Mrs. Ayesha Shehryar received 27,000,000 shares as a gift.
  • 👩‍👩‍👧‍👧 The shares were gifted by her sister, Mrs. Aleeza Zahid Tariq.
  • 🗓️ The transaction occurred on October 16, 2025.
  • 📜 The disclosure is made under PSX Regulations 5.6.4.
  • 🏦 Invest Capital Investment Bank Limited reported the transaction.
  • 🔒 The shares are held in CDC form and will be blocked.
  • 🤝 The shares will act as sponsor shares.
  • 🗣️ The transaction will be presented at the next board meeting.
  • ✅ Compliance with regulations will be reviewed.
  • ℹ️ The disclosure pertains to substantial shareholders.
  • 📝 No rate was provided for the gifting of shares.
  • 🏢 The company is Invest Capital Investment Bank Limited.
  • 📍 The company is located in Karachi, Lahore, Gujranwala, and Peshawar.
  • ✉️ Further inquiries can be directed to info@icibl.com.

🎯 Investment Thesis

HOLD. The current announcement doesn’t provide enough information to change the investment recommendation. Monitoring future financial performance and strategic decisions will be critical to re-evaluate the company. Requires more information to determine a target price or time horizon.

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Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: October 20, 2025

⏸️ ICIBL: HOLD Signal (5/10) – Disclosure of Interest by a Director CEO, or Executive of a listed company and their Spouses and the Substantial Shareholders u/c 5.6.1.(d) of PSX Regulations

⚡ Flash Summary

ICIBL announced: Disclosure of Interest by a Director CEO, or Executive of a listed company and their Spouses and the Substantial Shareholders u/c 5.6.1.(d) of PSX Reg. Basic analysis suggests neutral sentiment. Professional review recommended.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • ICIBL made announcement: Disclosure of Interest by a Director CEO, or Executive of a listed company and their Spouses and the Substantial Shareholders u/c 5.6.1.(d) of PSX Regulations
  • Automated analysis: HOLD signal detected
  • Signal strength: 5/10
  • This is basic analysis – manual review recommended
  • Professional CFA analysis unavailable

🎯 Investment Thesis

Basic HOLD indication for ICIBL. Manual verification required.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: October 17, 2025

⏸️ ICIBL: HOLD Signal (5/10) – NOTICE OF 86TH BOARD MEETING OF ICIBL

⚡ Flash Summary

ICIBL announced: NOTICE OF 86TH BOARD MEETING OF ICIBL. Basic analysis suggests neutral sentiment. Professional review recommended.

Signal: HOLD ⏸️
Strength: 5/10
Sentiment: NEUTRAL
Time Horizon: MEDIUM_TERM

📌 Key Takeaways

  • ICIBL made announcement: NOTICE OF 86TH BOARD MEETING OF ICIBL
  • Automated analysis: HOLD signal detected
  • Signal strength: 5/10
  • This is basic analysis – manual review recommended
  • Professional CFA analysis unavailable

🎯 Investment Thesis

Basic HOLD indication for ICIBL. Manual verification required.

View Original PDF

Disclaimer: AI-generated analysis. Not financial advice.

Written by: FoxLogica News Analysis

Published on: October 17, 2025