A review of PQGTL’s current operations and future business plans

According to a report from AHL Research Ltd, it met with management at Pak Qatar General Takaful Limited (PQGTL) to discuss the scheme’s current operations and future business plans. The key discussion points were as follows:

  • The Company continues to focus primarily on digital enhancement, with the Motor App operational and post-deployment activities ongoing.
  • Under the TIMS and BPM/AI integration initiative, the Company has deployed selected TIMS modules, while development of the remaining modules continues. The Claim/Commission Integration BPM/AI project has also commenced, focusing on process automation, operational efficiency, data security and Shariah compliance.
  • The Company’s phased technology enhancement program includes the planned SAP replacement, in-house CRM and DMS upgradation, alongside continued support for Partner Portals.
  • The Company has further operationalized its Disaster Recovery (DR) co-location facility to strengthen business continuity and disaster recovery arrangements, with further expenditure planned under the ongoing program.
  • PQGTL generated approximately 63,300 organic social media impressions and established its own advertising accounts to improve campaign monitoring. Paid digital marketing and integrated campaigns are expected to scale up in 2HCY26, supporting progress towards the Company’s five-year targets for impressions and lead generation.
  • With digital sales as the core function, the Company has increased efforts to strengthen its workforce, including the existing team, market coverage in key cities, and planned further recruitment.
  • The Company is expanding its physical footprint, with renovation and branding of two to three branches planned for 2HCY26. One new branch has already opened, and the Company is targeting another opening in Karachi.
  • In the future, PQGTL’s growth strategy centers on a phased approach to branch expansion and investments in digital ventures and technology.
  • Several activities have begun, and selected systems and infrastructure components are already operational. 

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