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Life Health Happiness Life Health Happiness Takaful Emarat – Insurance (P.S.C) Annual Report 2015 In the name of God, the Most Gracious, the Most Merciful His Highness Sheikh Khalifa bin Zayed Al Nahyan President of the United Arab Emirates His Highness Sheikh Mohammed bin His Highness Sheikh Mohammed bin Rashid Al Maktoum Zayed Al Nahyan Vice President and Prime Minister Crown Prince of Abu Dhabi of the United Arab Emirates and Deputy Supreme Commander and Ruler of Dubai of the UAE Armed Forces Overview Introduction Overview Takaful Emarat is one of 2-9 Introduction 2 the leading Shariah-compliant Highlights of the Year 3 At a Glance 4 insurers and the only dedicated Our Product Portfolio 6 Health and Life insurer in the UAE. What Differentiates Us? 8 Strategic Report The Company listed on the Dubai Financial Market (DFM) in 10-17 2008 and was established to provide a comprehensive range Chairman’s Statement 10 of life, wealth and health products for residents and expatriates Chief Executive’s Review 12 in the Middle East. It is one of only two takaful insurers qualified Managing Director’s Q&A 14 by the Dubai Health Authority as a Participating Insurer to Strategy and Business Model 16 provide health insurance under Dubai’s Mandatory Health Insurance Scheme. Directors’ Overview 18-20 Board of Directors 18 Shariah Board Report 20 Financial Statements 22-52 Independent Auditor’s Statement 22 Statement of Financial Position 23 Statement of Comprehensive Income 24 Statement of Changes in Equity 25 AED 350m+ Statement of Cash Flows 26 in Takaful Earned Contributions Notes to the Financial Statements 27 280,000+ members covered 140 professional dedicated employees 2 Takaful Emarat Annual Report and Accounts 2015 Overview Strategic Report Directors’ Overview Financial Statements Highlights of the Year KEY PERFORMANCE INDICATORS INVESTMENT ALLOCATION – AED (000) 2015 Takaful Profits – AED (000) Net Earned Contribution – AED (000) Real Estate 34,833 39,676 Equity instruments 14% 16% 10,558 within UAE 4% 33,493 1,000 AED 42.1m AED 319.9m 14% UAE Government Total 0% +213% +226% 248,637 securities Cash and deposits 50,000 350,000 with Bank in the UAE 129,077 319,880 52% 42,086 300,000 Sukuk Deposit with 40,000 Non Bank 250,000 (Mutual Funds) 30,000 200,000 Other invested assets 20,000 150,000 2014 13,447 100,000 98,222 10,000 Real Estate 19,137 19% 50,000 31,282 Equity instruments 32% 0 2014 2015 0 2014 2015 within UAE Total Cash and deposits 98,714 23,871 with Bank in the UAE 24% (Mutual Funds) 24,424 25% Earning per Share – AED Net Profit – AED (000) Other invested assets AED 0.10 AED 10.2m +43% +42% 0.12 12,000 0.10 0.10 10,000 10,215 0.08 8,000 0.07 7,181 0.06 6,000 0.04 4,000 0.02 2,000 0 2014 2015 0 2014 2015 Takaful Contribution Earned – AED (000) Gross Claims Incurred – AED (000) AED 377.9m AED 245.8m +216% +297% 400,000 300,000 377,891 250,000 245,760 300,000 200,000 200,000 150,000 100,000 119,403 100,000 61,914 50,000 0 2014 2015 0 2014 2015 Takaful Emarat 3 Annual Report and Accounts 2015 Overview At a Glance A unique concept of insurance Takaful Emarat is a leading Shariah-compliant company and the only dedicated Life and Health takaful provider in the UAE, with offices in Dubai, Abu Dhabi and Sharjah. The Company, which has been listed on the Dubai Today, Takaful Emarat is one of only two Health Financial Market (DFM) since 2008, offers a diverse and Life takaful providers qualified by the Dubai portfolio of Life and Health takaful products Health Authority as a Participating Insurer to tailored for both individuals and corporates. support the roll-out of mandatory health insurance in Dubai, and is uniquely well- As a listed business, the Company operates in positioned to benefit from the increased uptake of 130+ line with Dubai Financial Market regulations and takaful insurance in the region, which is forecasted years of collective experience compliance directives and currently provides to grow as insurance penetration deepens. By of senior executives its corporate life and medical products to over 2017, the global gross takaful market is expected to 280,000 members, which span 350 employers reach USD20 billion, up from current estimates of in the UAE. USD14 billion, according to EY. 4 Takaful Emarat is uniquely well- physical presences across UAE positioned for steady and long- term growth in the years ahead. Evolution of Takaful Emarat 2014: Becomes the first 2012: Introduces its 2009 – 2011: Introduces takaful company qualified toll-free telephone line a comprehensive portfolio of as a Participating Insurer for customers managed Life takaful products, tailored by the Dubai Health by a dedicated customer for both individuals and Authority (DHA), offering service team. corporations, in addition to the mandatory Essential Health takaful products. Benefits Plan (EBP) for low income workers – earning AED 4,000 and below. 2008 2009 2010 2012 2013 2014 2008: Takaful Emarat 2010 – 2011: The 2012: Launches exclusive 2013: Takaful Emarat is founded and listed Company works on ‘Takaful Emarat Capital undergoes successful on the Dubai Financial individual life product Protected Fund’ designed restructuring under Market under the trading implementation to be a long-term saving a new management team symbol ‘Takaful-Em’. and its fully fledged venture with the benefit with over 130 years of The Company becomes administrative systems. that 90% of the highest collective experience with the first dedicated net asset value will be multi-national companies. vendor of Life and protected at all times. Business transformed and Health takaful products focused on growth. in the UAE market. 4 Takaful Emarat Annual Report and Accounts 2015 Overview Strategic Report Directors’ Overview Financial Statements Kuwait Iran Bahrain 2 1 Locations Qatar 2 AL MAJAZ, SHARJAH, UAE 4 Branch Office 3 Established in 2008 Core functions include distribution UAE and dedicated local customer service for Emirati nationals Oman 1 DEIRA, DUBAI, UAE Head Office Saudi Arabia Established in 2008 Core functions include central services, operations, distribution 4 AL-MUSSAFAH, ABU DHABI, UAE Branch Office Established in 2015 Core function is local distribution Yemen 3 HAZAA BIN ZAYED STREET, ABU DHABI, UAE Branch Office Established in 2009 Dedicated centre for all matters relating to the Wahat Al Zaweya project 2015: Launches 2015: Announces the 2015: Takaful Emarat 2015: Full-year results comprehensive opening of its second invites shareholders to deliver a 42% increase programme of branch in Abu Dhabi, subscribe to a rights issue in net profit. professional development located in Al-Mussafah. aimed at increasing the for its employees, The branch was opened Company’s capital by showcasing the to service significant AED 50 million. Company’s ongoing demand for Life and investment in its Health takaful in the area. human capital. 2015 2016 2015: Takaful Emarat signs distribution 2015: Rights issue 2015: Rights issue Looking forward – 2016: agreement with Wahat Al Zaweya Company launches – the first of closes, with 36.51% Takaful Emarat to focus on for Investment and Real Estate Development its kind for a takaful oversubscription and innovative product development, to act as the exclusive provider of death company in the UAE. AED 68.257 million worth growth in current distribution and disability takaful to its home mortgage of shares fully subscribed. channels and developing additional clients. The deal is the first of its kind in the channels, strengthening back office region, and enables the Company to offer its capabilities to ensure quality service products and services to Wahat Al Zaweya’s is maintained, and introducing client base, which spans across the Emirates advanced technologies within sales of Dubai, Abu Dhabi and Sharjah. channels and after-sales services. Takaful Emarat 5 Annual Report and Accounts 2015 Overview Our Product Portfolio Our product portfolio is extensive and growing Takaful Emarat provides a comprehensive range of Life and Health takaful products and services for individuals and corporate customers, all of which are fully compliant with international best practice. Personal Takaful Insurance Our 8 personal life takaful insurance products are segmented based on consumer needs and the purpose that these products mainly serve. LIFE TAKAFUL PROTECTION SAVINGS & PROTECTION TRAVEL PROTECTION Level Term Plan: In case of death of the Takaful Growth Plan: Offers a unique Safar Mubarak Plan: Offers takaful protection individual covered, a fixed Sum Cover will be combination of financial protection and to cover against accidents during travel, which payable to the beneficiary(ies), with optional savings growth, but is geared more towards includes medical expenses (inpatient/outpatient), additional takaful protection benefits (Critical the purpose of saving and growing your funds travel assistance, compensation in case you are, Illness, Accidental Death Benefit, Permanent through Initial and Guaranteed Bonuses. involved in an accident that results in loss of limb, Partial Disability, Permanent Total Disability). This plan increases your savings by investing eyesight or death and optional benefits such as in a range of 44 investment funds offered by medical translation. Decreasing Term Plan: In case of death of renowned fund managers, with an optional the individual covered, the Company will pay benefit to cover against critical illness up to the amount of the outstanding loan to the 40 diseases. beneficiary(ies) (this plan is more geared towards the mortgage market) with optional Whole Life Plan: Offers a unique combination additional protection benefits (Permanent of financial protection and savings growth, but Total Disability). is geared more towards financial protection in case of death as a primary benefit, with less Al Moyassara Plan: Designed emphasis on the growth of your savings.
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