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    Naim Anwar

    Dear Reader
    Welcome to Crescent Star Insurance Limited (CSI), a General Insurance Company set up to provide reliable and customized insurance solutions to our customers. The development of a company is determined by how it perceives innovation; financial performance is a measurement of success. The added value created for stakeholders occurs at the point where these two intersect. As CSI, we are pleased to have balanced both innovation and financial performance at an appropriate and sustainable point.

    Our performance...

    Known for its reputation, professionalism and innovativeness in the Insurance Industry, CSI displayed a strong operational and financial performance since the beginning of 2015. We take CSI a step further every day and update our processes according to changing market conditions. Our customer-oriented business philosophy and proactive risk management approach are our main assets that will continue to guide us in this journey. Sustainable growth strategies, one of the key trends followed globally have been successfully implemented by CSI during the year 2017, were the most important driving force behind the positive developments in our revenue base despite the extraordinary challenging conditions of 2017. Our credit rating was upgraded to A- by PACRA in 2015. The rating denotes strong capacity of the company to meet policyholder and contractual obligations, and the capacity for timely payment of financial commitments is considered strong.

    CSI set about some Insurance as well as non- Insurance subsidiaries since change of management in 2013. Our subsidiary Crescent Star Foods (Pvt) Ltd holds the Master Franchise for Pakistan for Golden Chick – A Texas USA based Chicken Chain, which is into its 50th Year of operations, with 2 up and running stores at Dolmen Mall Clifton Karachi and Y Block Lahore in Pakistan with an agreement to establish 30 stores as per agreement, one stand-alone store is opening soon at sea view Karachi. In addition CSF also holds Master Franchise Rights for UAE based Franchise BOBAY CHOWPATTY for Sindh & Baluchistan., with 2 up and running stores at Dolmen Mall Clifton and Tariq Road Karachi, 1 stand-alone store is being launched at Khayaban e Rahat DHA Karachi, and a large based expansion planned. CSI, also owns its subsidiary Crescent Star Luxury (Pvt) Ltd, owning the retail brand DEFINE , which sources and sells 45 International Brands of luxury perfumes, cosmetics and accessories. CSI is expanding its base in the Software House, Call Centre and Tracker operations (underway), through its 100% owned subsidiary Crescent Star Technologies (Pvt Ltd.

    CSI , has invested PKR400 million in its venture for equity investment holding a stake in one of the most automated rebar Steel Mills, Dost Steel Ltd (DSL), which has a capacity of 350,000 tons production ability and is a listed company on PSX, with a paid up capital of PKR. 3.15 billion. CSI has its representation on the Board of Directors of DSL as nominee holding the Chairman’s Office.
    I am delighted to share with you all that CSI has been recognized for its stature and progress by some of the leading financial analysts like Arif Habib and Bloomberg International News for its significant financial events, as well as some widely read newspapers like Daily Dawn, and Express Tribune wrote articles on the recent success of CSI and same is discussed on social media and other forums as well.
    I would like to thank all my team members, our shareholders and our valued customers who contributed to this progress. Our strength as a company is rooted in our quality human resource base and a dedicated management team with several years of proven experience in developing successful insurance programs.

    CSI plans to further detail its winning approach and integrate it into its products in the following period. We stand out within the sector with highly competitive products and services in all our business lines.


    Naim Anwar






    Naim Anwar

    Managing Director & CEO


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