Annual Report Strategic Review Key Strategic Objectives Key Strategic Objectives People & Culture Embrace a culture of diversity across Group companies. Improve performance management, succession planning, employee engagement, coaching & mentoring programmes. Widen the talent pool through Secondments and hybrid working. Exchange experience and collaboration through G10 Working Groups. Accelerating Growth & Reinforce Regional Presence Accelerate growth by focusing on mandatory Employee Benefits opportunities, Takaful penetration, Bancassurance, Micro and Embedded products. Diversify Products, Revenue & RI Optimisation Balance product‑mix by focusing on P&C, Marine, Specialty lines, Extended Warranty and Cyber. Leverage on Fairfax competencies to Optimise GIG Reinsurance Treaties, increasing capacities, new facilities to support product diversification. Improve Health performance to mitigate inflation risk. Diversify Revenue Stream across the Insurance eco‑system. Position GIG to be “Insurer of Choice” in MENA Region Position GIG as Insurance leader providing global solutions through FFH Network. Position GIG as a preferred network partner for Global accounts. Create MENA‑wide health platform providing single access to medical network. Promote Embedded products through digital distribution channels (Telecoms, Airlines, Retailers platforms). Digitalisation & Data Analytics Customer‑centric approach to our digital journey. Transformation into a Data Driven Organisation. Optimise core insurance portfolio through claims pruning, pricing, cross selling, and scaling new channels. Operational Excellence Adherence to governance practices in multi‑operational countries. Optimising IT infrastructure & automating internal processes. Providing customers with a global insurance solution. Group Expense rationalisation and allocation & tax optimisation. Optimise Investment Performance Optimise Investments while adhering to local solvency requirements. Exiting non‑strategic investments and focus on core Insurance investments. BRAND SYNERGY Leveraging evolved brand to achieve a unified brand equity in line with Group regional corporate communications policy and Fairfax. Fostering a socially responsible sustainable and ethical approach with brand‑aligned culture, internally and externally. Drive Sustainable Business Impact Through Integrated ESG Framework Becoming a Carbon‑aware business, Green House Gases (GHG) Calculation Initiatives. Integrating ESG and Climate risks into group’s ERM Framework. Initiate our first Environmental Programme. Streamlining ESG reporting through enhanced collaboration and digitalisation. Harmonising Integrated Assurance, ERM And Corporate Governance For Sustainable Excellence Integration of Assurance functions, Internal Audit, ERM, Compliance, Cyber & financial crime, Sanctions screening and Information security through digitalisation, to maximise value realisation. Prioritise Cyber Security and data privacy for a Cyber‑resilient business. Reinforce risk management across Group companies with focus on Capital management, Reinsurance & Catastrophic, Cyber and Emerging Risks. People & Culture Embrace a culture of diversity across Group companies. Improve performance management, succession planning, employee engagement, coaching & mentoring programmes. Widen the talent pool through Secondments and hybrid working. Exchange experience and collaboration through G10 Working Groups. Accelerating Growth & Reinforce Regional Presence Accelerate growth by focusing on mandatory Employee Benefits opportunities, Takaful penetration, Bancassurance, Micro and Embedded products. Diversify Products, Revenue & RI Optimisation Balance product‑mix by focusing on P&C, Marine, Specialty lines, Extended Warranty and Cyber. Leverage on Fairfax competencies to Optimise GIG Reinsurance Treaties, increasing capacities, new facilities to support product diversification. Improve Health performance to mitigate inflation risk. Diversify Revenue Stream across the Insurance eco‑system. Position GIG to be “Insurer of Choice” in MENA Region Position GIG as Insurance leader providing global solutions through FFH Network. Position GIG as a preferred network partner for Global accounts. Create MENA‑wide health platform providing single access to medical network. Promote Embedded products through digital distribution channels (Telecoms, Airlines, Retailers platforms). Digitalisation & Data Analytics Customer‑centric approach to our digital journey. Transformation into a Data Driven Organisation. Optimise core insurance portfolio through claims pruning, pricing, cross selling, and scaling new channels. Operational Excellence Adherence to governance practices in multi‑operational countries. Optimising IT infrastructure & automating internal processes. Providing customers with a global insurance solution. Group Expense rationalisation and allocation & tax optimisation. Optimise Investment Performance Optimise Investments while adhering to local solvency requirements. Exiting non‑strategic investments and focus on core Insurance investments. BRAND SYNERGY Leveraging evolved brand to achieve a unified brand equity in line with Group regional corporate communications policy and Fairfax. Fostering a socially responsible sustainable and ethical approach with brand‑aligned culture, internally and externally. Drive Sustainable Business Impact Through Integrated ESG Framework Becoming a Carbon‑aware business, Green House Gases (GHG) Calculation Initiatives. Integrating ESG and Climate risks into group’s ERM Framework. Initiate our first Environmental Programme. Streamlining ESG reporting through enhanced collaboration and digitalisation. Harmonising Integrated Assurance, ERM And Corporate Governance For Sustainable Excellence Integration of Assurance functions, Internal Audit, ERM, Compliance, Cyber & financial crime, Sanctions screening and Information security through digitalisation, to maximise value realisation. Prioritise Cyber Security and data privacy for a Cyber‑resilient business. Reinforce risk management across Group companies with focus on Capital management, Reinsurance & Catastrophic, Cyber and Emerging Risks.