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Aljazira Takaful Taawuni Company (A Saudi Joint Stock Company)

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Aljazira Takaful Taawuni Company (A Saudi Joint Stock Company) ALJAZIRA TAKAFUL TAAWUNI COMPANY (A SAUDI JOINT STOCK COMPANY) FINANCIAL STATEMENTS AND INDEPENDENT AUDITORS’ REPORT FOR THE YEAR ENDED 31 DECEMBER 2020 . ALJAZIRA TAKAFUL TAAWUNI COMPANY (A SAUDI JOINT STOCK COMPANY) FINANCIAL STATEMENTS As at 31 December 2020 INDEX PAGE Independent Auditors’ Report 1 – 5 Statement of Financial Position 6 Statement of Income 7 – 8 Statement of Comprehensive Income 9 Statement of Changes in Equity 10 – 11 Statement of Cash Flows 12 – 13 Notes to the Financial Statements 14 – 58 . Crowe Al Azem, Al Sudairy, Al Shaikh & Partners KPMG Professional Services CPA's & Consultants Zahran Business Center Member Crowe Global Prince Sultan Street P.O. Box 55078 P. O. Box 10504 Jeddah 21534 Riyadh 11443 Kingdom of Saudi Arabia Kingdom of Saudi Arabia Headquatered in Riyadh Commercial Registration No 4030290792 INDEPENDENT AUDITORS’ REPORT TO THE SHAREHOLDERS OF ALJAZIRA TAKAFUL TAAWUNI COMPANY (A SAUDI JOINT STOCK COMPANY) Opinion We have audited the financial statements of AlJazira Takaful Taawuni Company (the “Company”), which comprise the statement of financial position as at 31 December 2020, the statements of income, comprehensive income, changes in equity and cash flows for the year then ended, and notes to the financial statements, comprising summary of significant accounting policies and other explanatory information. In our opinion, the accompanying financial statements present fairly, in all material respects, the financial position of the Company as at 31 December 2020, and its financial performance and its cash flows for the year then ended in accordance with International Financial Reporting Standards (“IFRSs”) that are endorsed in the Kingdom of Saudi Arabia and other standards and pronouncements issued by Saudi organization for Certified Public Accountants (‘SOCPA”) (collectively referred to as “IFRS as endorsed in KSA”). Basis for Opinion We conducted our audit in accordance with International Standards on Auditing (“ISAs”) that are endorsed in the Kingdom of Saudi Arabia. Our responsibilities under those standards are further described in the Auditors’ Responsibilities for the Audit of the Financial Statements section of our report. We are independent of the Company in accordance with the professional code of conduct and ethics, that are endorsed in the Kingdom of Saudi Arabia that are relevant to our audit of the financial statements, and we have fulfilled our other ethical responsibilities in accordance with these requirements. We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion. Key Audit Matters Key audit matters are those matters that, in our professional judgement, were of most significance in our audit of the financial statements of the current period. These matters were addressed in the context of our audit of the financial statements as a whole, and in forming our opinion thereon, and we do not provide a separate opinion on these matters. Key audit matters How the matter was addressed in our audit Valuation of technical insurance reserves The technical insurance reserves include the following: • Outstanding claims, consisting of: We understood, evaluated and tested key controls over o Reported claims the claims administration and the valuation of o Incurred But Not Reported (IBNR) claims technical insurance reserves to confirm the operating • Unit reserve effectviness of key controls. • Mathematical reserve The Company has technical insurance reserves amounting to SAR 1,426 million as of 31 December 2020 (2019: SAR 229 million). Crowe Al Azem, Al Sudairy, Al Shaikh & Partners KPMG Professional Services & CPl\s Consultants Member Crowe Global INDEPENDENT AUDITORS’ REPORT TO THE SHAREHOLDERS OF ALJAZIRA TAKAFUL TAAWUNI COMPANY (A SAUDI JOINT STOCK COMPANY) (continued) Key Audit Matters (continued) Key audit matters How the matter was addressed in our audit Valuation of technical insurance reserves (continued) We evaluated the competence, capabilities and objectivity of the management's expert by considering The estimation of the ultimate liability arising from their professional qualifications and experience and insurance contracts is the Company’s critical accounting assessing their relationship with the entity. estimate given the level of subjectivity inherent in estimating the impact of claim events that have occurred In obtaining sufficient audit evidence to assess the and incurred but not reported for which the ultimate integrity of data used as inputs in to the actuarial outcome remains uncertain. These liabilities are based valuations, we tested the completeness and accuracy on the best-estimate of ultimate cost of all claims of the underlying data used in estimating the technical incurred but not settled at a given date, whether reported insurance reserves by performing reconciliations of or not. The Company uses a range of actuarial the underlying data to the financial ledger and the methodologies to estimate these claims. In particular, actuarial data used by the Company’s appointed estimates of IBNR and the use of actuarial and statistical actuary while calculating the reserves. projections involve significant judgments. A range of methods were used by the actuary to determine these In order to challenge management's methodologies claims. Underlying these methodologies are a number of and assumptions, we were assisted by our actuarial explicit or implicit assumptions relating to the expected specialist to understand and evaluate the Company's settlement amount and settlement patterns of claims. actuarial practices and provisions established. In order to gain comfort over the actuarial report issued by The mathematical and unit reserves represent the management's expert, our actuarial specialist investment portion of technical insurance reserves and performed the following: the amount the Company expects to pay to contract holders and is highly judgmental in particular, mathematical reserve because it requires a number of • Evaluated whether the Company’s actuarial assumptions to be made with high estimation methodologies were consistent with generally uncertainty. Small changes in the assumptions, which accepted actuarial practices and with prior years, includes mortality, lapses etc., used to value the reserves we sought sufficient justification for any can lead to material impact on the valuation of the significant differences; reserves. • Assessed the reasonableness of key actuarial assumptions and judgments used by management Due to significance of amount involved and the exercise in calculating the reserves; and of significant judgment by management in the process • Reviewed the appropriateness of the calculation for valuation of technical insurance reserves, we have methods and approach along with the assumptions determined it to be a key audit matter. The Company used and sensitivities to the key assumptions with involvement of its appointed actuary calculates the performed. technical insurance reserves. We have also reviewed the reconciliation between Please refer to notes 3(c) for the accounting policy Available for sale investments held to cover unit- adopted by the Company and note 2(d) for the linked liabilities and the unit reserve liability. significant accounting judgements, estimates and assumptions involved in the initial recognition and We assessed the adequacy and appropriateness of the subsequent measurement of reserve for insurance related disclosures in the financial statements. activities and outstanding claims. Also, refer to note 10, 11 and 13 for movements in unit reserve, mathematical reserve and outstanding claims respectively. Crowe Al Azem, Al Sudairy, Al Shaikh & Partners KPMG Professional Services CPA's & Consultants '-'ember Crowe Global INDEPENDENT AUDITORS’ REPORT TO THE SHAREHOLDERS OF ALJAZIRA TAKAFUL TAAWUNI COMPANY (A SAUDI JOINT STOCK COMPANY) (continued) Other Information Management is responsible for the other information. The other information comprises the information included in the annual report but does not include the financial statements and our auditors’ report thereon. The annual report is expected to be made available to us after the date of this auditors’ report. Our opinion on the financial statements does not cover the other information and we will not express any form of assurance conclusion thereon. In connection with our audit of the financial statements, our responsibility is to read the other information identified above when it becomes available and, in doing so, consider whether the other information is materially inconsistent with the financial statements or our knowledge obtained in the audit, or otherwise appears to be materially misstated. When we read the annual report, when made available to us, if we conclude that there is a material misstatement therein, we are required to communicate the matter to those charged with governance. Responsibilities of Management and Those Charged with Governance for the Financial Statements Management is responsible for the preparation and fair presentation of the financial statements in accordance with IFRSs as endorsed in KSA, the applicable requirements of the Companies’ Law, the Company’s By- Laws and for such internal control as management determine is necessary to enable the preparation of financial statements that are free from material misstatement, whether due to fraud or error. In preparing the financial statements, management is responsible for assessing the Company’s ability to continue
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