Business Operations
The Trusted Brand: Bringing Excellence To MENA

Regional Branches 
+100

Building an Ecosystem around Digital Transformation.

GIG – KUWAIT

Established date
2007
GIG Shareholder Stake
99.8%
Branches Including Subsidiary
11
Paid‑up Capital
KD 25 Mn
Type of insurance business
Composite Insurer
Subsidiary Name & Ownership
GIG‑Kuwait Takaful 66.61%
Company’s head count (Including Subsidiary)
534
Composition of Insurance Revenues by LOB

Credit Rating

A Excellent
Stable
A
Stable
A2
Stable

Top Achievements During 2023

  • Successful implementation of IFRS 17 standard.
  • Maintained Credit Ratings at “A” level from three rating agencies.
  • Achieved notable subsidiary developments, with a premium growth of 77%. Introduced telesales division and opened two new branches.
Insurance Portfolio (MN/%)
Key Financial Ratios (%)
Established date
1950
GIG Shareholder Stake
100%
Branches
15
Paid‑up Capital
BHD 15 Mn
Type of insurance business
Composite Insurer
Subsidiary Name & Ownership
GIG‑Saudi 50%
Company’s head count
800
Composition of Insurance Revenues by LOB

Credit Rating

A Excellent
Stable

Top Achievements During 2023

  • Achieved the best credit control results in Company’s history.
  • Continued improving on Customer Satisfaction metrics (NPS) in key business segments, improving employee engagement.
  • Demonstrated strong IT security with a ISO/IEC 27001 certification. Received a high maturity score based on a Center transpose for Internet Security (CIS) framework.
Insurance Portfolio (MN/%)
Key Financial Ratios (%)
Established date
1996
GIG Shareholder Stake
89.91%
Branches Including Subsidiary
11
Paid‑up Capital
JOD 26 Mn
Type of insurance business
Composite Insurer
Company’s head count
436
Composition of Insurance Revenues by LOB

Credit Rating

B ++
Stable

Top Achievements During 2023

  • Achieved a Solvency Margin of 172.3%. Market leader in terms of written premium and profitability.
  • Achieved improvements in digital transformation, through projects like Collection Application, Online Selling, and others.
  • Maintained the Financial Strength Rating at B++ and the Long‑term Issuer’s Credit Rating at bbb+ from A.M. Best.
Insurance Portfolio (MN/%)
Key Financial Ratios (%)

GIG – Bahrain

Established date
1976
GIG Shareholder Stake
56.122%
Branches Including Subsidiary
7
Paid‑up Capital
BHD 15 Mn
Type of insurance business
Composite Insurer
Subsidiary Name & Ownership
GIG Bahrain Takaful 81.9%
Company’s head count (Including Subsidiary)
296
Composition of Insurance Revenues by LOB

Credit Rating

A - Excellent
Stable

Top Achievements During 2023

  • The only national company with rating of “A‑” from A.M. Best in the Kingdom of Bahrain.
  • Substantially expanded operations and appointed new Information Security Officer (ISO) for Cybersecurity Safety.
  • Further promoted digitalisation efforts and won the ‘Great Place to Work Award’ for 2023.
Insurance Portfolio (MN/%)
Key Financial Ratios (%)
Established date
2008
GIG Shareholder Stake
50%
Branches
6
Paid‑up Capital
SAR 525 Mn
Type of insurance business
Composite Insurer
Company’s head count
412
Composition of Insurance Revenues by LOB

Top Achievements During 2023

  • GIG Saudi became the second largest national company in the motor segment and fifth largest in healthcare.
  • Achieved exceptional growth in engineering and P&C lines.
  • Completed multiple transformation projects and system enhancements.
Insurance Portfolio (MN/%)
Key Financial Ratios (%)
Established date
2013
GIG Shareholder Stake
99.22%
Branches
4
Paid‑up Capital
TRY 181 Mn
Type of insurance business
General Insurer
Company’s head count
267
Composition of Insurance Revenues by LOB

Top Achievements During 2023

  • Achieved forecasted profit for 2023, while retaining a well hyphen balanced portfolio both in terms of distribution and product mix.
  • Renewed treaties with relative cost effective improvements compared to previous year.
  • Replaced data center transpose and established a new Agency Portal. Successfully implemented IFRS 17.
Insurance Portfolio (MN/%)
Key Financial Ratios (%)

GIG – algeria

Established date
1998
GIG Shareholder Stake
51.0%
Branches
8
Paid‑up Capital
DZD 2 Bn
Type of insurance business
General Insurer
Company’s head count
234
Composition of Insurance Revenues by LOB

Top Achievements During 2023

  • Achieving unprecedented growth rates in investment returns and investment portfolio.
  • Legacy accounting balances fully absorbed, leading to the end of the financial cleanup operation.
  • Established a partnership with CHUBB and Société Générale bank.
Insurance Portfolio (MN/%)
Key Financial Ratios (%)
Established date
1993
GIG Shareholder Stake
99.0%
Branches
22
Paid‑up Capital
EGP 500 Mn
Type of insurance business
General Insurer
Company’s head count
340
Composition of Insurance Revenues by LOB

Credit Rating

B ++
Stable
B1
Negative

Top Achievements During 2023

  • Maintained very good levels of growth and profitability.
  • Won "Best Micro Insurance Company" in the 2023 Annual GBO Awards.
  • Continued to explore niche markets and launched new products.
Insurance Portfolio (MN/%)
Key Financial Ratios (%)

GIG – Egypt
LIFE TAKAFUL

Established date
2006
GIG Shareholder Stake
61.31%
Branches
8
Paid‑up Capital
EGP 325 Mn
Type of insurance business
Life & Medical Insurance
Company’s head count
214
Composition of Insurance Revenues by LOB

Top Achievements During 2023

  • All reinsurance agreements have been renewed, and a number of international reinsurance companies have been contacted to deal with in the future.
  • Achieved an average rate of return on investment of 14.5%.
  • Activated IFRS 17 standard module and electronic tax receipt system.
Insurance Portfolio (MN/%)
Key Financial Ratios (%)

GIG – iraq

Established date
2000
GIG Shareholder Stake
79.87%
Branches
1
Paid‑up Capital
IRD 7 Bn
Type of insurance business
Composite Insurer
Company’s head count
15
Composition of Insurance Revenues by LOB
Insurance Portfolio ('000/%)
Key Financial Ratios (%)

GIG – lebanon

Established date
1991
GIG Shareholder Stake
92.7%
Branches
0
Paid‑up Capital
LL 7.14 Bn
Type of insurance business
Composite Insurer
Company’s head count
3
Composition of Insurance Revenues by LOB
Insurance Portfolio ('000/%)
Key Financial Ratios (%)

AIG Egypt

Established date
1992
GIG Shareholder Stake
95.33%
Branches
1
Paid‑up Capital
EGP 60 Mn
Type of insurance business
General Insurer
Company’s head count
11
Composition of Insurance Revenues by LOB
Insurance Portfolio ('000/%)
Key Financial Ratios (%)