Group Strategic Objectives

Operational Directions

Auto Insurance

  • Improve profitability through data‑driven pricing and treaty optimization.
  • Focus on embedded products, electric vehicles, and underperforming lines (e.g., TPL).
  • Enhance customer experience via automation and simplified renewals.

Accelerate P&C Growth

  • Utilize strong treaty capacities to grow casualty, cyber, PV, CAT, and cargo lines.
  • Leverage regional broker channels to drive scale.

Reposition the Life Business

  • Strengthen Group Life and bancassurance.
  • Review Individual Life and Unit‑Linked products for repositioning.

RI Optimization / Product Mix

  • Leverage Fairfax capabilities to enhance reinsurance treaties and capacities.
  • Balance product mix with a focus on P&C, Marine, Specialty Lines, Extended Warranty, and Cyber.
  • Strengthen technical expertise across the Group.

Medical Insurance

  • Enhance the regional medical network and operating model.
  • Drive digitalization (AI, pricing tools, fraud detection).
  • Expand services including EB management, chronic care, telemedicine, and pharmacy benefit management.

Promote Regional Broker Proposition

  • Expand regional health and P&C offerings for brokers.
  • Deepen engagement through events and partnerships.

Organizational Excellence

People & Culture

  • Promote diversity and inclusion across the Group.
  • Enhance talent management, performance, and succession planning.
  • Strengthen employee engagement through secondments, hybrid work, coaching, and mentoring.
  • Introduce ESOP and track progress via NPS.

Operational Excellence

  • Execute Group reorganization and SOX implementation.
  • Optimize tax structure and expense allocation.
  • Strengthen governance through enhanced Board composition and executive reporting.

Digitization & Data Analytics

  • Finalize and upgrade of core systems across markets.
  • Elevate data analytics capabilities and secure digital infrastructure through robust cybersecurity practices.
  • Transform customer and sales channels experience through digital transformation.

Inorganic Growth

  • Reinforce leadership position within existing markets through opportunistic acquisitions and portfolio consolidations.
  • Geographical expansion to new markets or new segments within MENA.
  • Develop partnerships with Insurance related services.

Assurance, ERM & Governance

  • Digitalize assurance functions and prioritize cybersecurity and data privacy.
  • Reinforce risk management with a focus on capital, reinsurance, catastrophe, cyber, and emerging risks.

Brand & Marketing

  • Implement unified brand and communication strategies.
  • Strengthen market presence through campaigns, conferences, and community initiatives.

Group‑wide ESG Integration

  • Launch the first Group‑wide environmental program and GHG accounting.
  • Integrate ESG and climate risk into ERM.
  • Streamline ESG reporting and disclosure.