takaful primer 2013

18-19 February 2013

Intercon�nental Citystars, Cairo

TAKAFULT H E I N T E R N A T I O N A L

S U M M I T

Capitalising on the Potential of

The Global Takaful Industry


S U M M I T

18-19 February 2013 • Intercontinental Citystars, Cairo

Capitalising on the Potential of theGlobal Takaful Industry

4. Summit Sponsors

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5. Welcome Message

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6. Speakers

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8. Programme

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12. Saudi Takaful Market

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14. Lead Partner

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15. Diamond Partners

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25. Platinum Partners

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29. Gold Partners

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39. Media Partners

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T E C H N O L O G Y PA R T N E RI N F O R M AT I O N PA R T N E R

D I A M O N D PA R T N E R S

P L AT I N U M PA R T N E R S


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L E A D PA R T N E R

G O L D PA R T N E R S

We are very pleased to welcome you all to the Seventh International Takaful Summit.

Afkar Consulting Limited and their events organiser partner, Istishar iQ, pioneered the

International Takaful Summits in London in 2007.

The political changes in many of the countries in the MENA region portend a new and exciting

platform for the growth of Islamic banking, finance and insurance. Reflecting these potential oppor-

tunities for Islamic Finance and Insurance in the MENA region we decided to host the Seventh

International Takaful Summit in Cairo.

We are honoured to have the support and participation of the Minister H.E. Dr El-Morsy Hegazy and

the Ministry of Finance of the Arab Republic of Egypt. The Ministry, together with the Insurance

Federation of Egypt have gone out of their way to help make this Summit possible.

The Seventh International Takaful Summit builds on the six successful events held in November 2007,

July 2008, July 2009, July 2010, July 2011 and July 2012. We hope that the new venue and a different

mix of participants would allow delegates to have a better idea of key areas of growth for the Takaful

industry in the coming years.

The welcome to Islamic banking, finance and insurance in the MENA region is an opportunity which

needs to be carefully nurtured by the global Islamic Finance industry. In this Seventh International

Takaful Summit, we aim to chart out the kind of agenda that will enable aspiring providers in these

emerging markets to access the best practices in the industry from around the world. The MENA

region provides a premier location for developing Islamic Finance and Insurance opportunities incor-

porating the learning of the pioneers in the GCC countries and Malaysia.

We are also introducing a fresh discussion on microfinance and Microtakaful to reflect the require-

ments in the region. This, together with discussions on financial inclusion, are aimed at encouraging

discussion on the often neglected parts of Takaful provision.

In the International Takaful Summits we endeavour to enable market participants from all over the

world to capture the potential for Islamic Finance and Insurance in the world. At every Summit, we

strive to offer robust thought leadership and the most informed platforms

and opportunities for our participants to get maximum benefit from this

interaction.

We welcome you to the Seventh International Takaful Summit and hope

that you will become one of our many regular participants and supporters.

M. Iqbal Asaria, CBE

Convenor, International Takaful Summit 2013

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W E L C O M E M E S S A G E

H.E. Dr El-Morsy HegazyMinister of Finance

Arab Republic of Egypt

Dr Mohamed MaaitDeputy Minister of Finance

Arab Republic of Egypt

Dr Ashraf ElsharkawyChairman

Egyp7an FinancialSupervisory Authority

(EFSA)

Dr Metaib G AlRawqiChief Execu$ve Officer

Weqaya Takaful Insuranceand Reinsurance Company

Sirag El Hadi Qarib AllahSecretary General

World Federa7on ofthe Takaful and Islamic

Insurance

Susan DingwallPartner

Norton Rose LLP

Ffion FlockhartPartner

Norton Rose LLP

Abdel Raouf KotbChairman

Insurance Federa7on ofEgypt

Dr Alberto BrugnoniDirector General

ASSAIF

Dawood TaylorSenior Regional

Execu$ve -Takaful Pruden7al

Sameeulhaq ThanviManaging DirectorNile Family Takaful

Hisham Abdel ShukourManaging Director

Egyp7an Takaful Life

Sohail JafferPartner & Head of

Interna$onal BusinessDevelopment

FWU

Prof. DrShahinaz Rashad Abdella1f

Execu$ve DirectorMetropolitan Training

Academy &Metropolitan Consul7ng

Mohammed Al SharafBusiness Development

ManagerThomson Reuters

Ma2hew MuirAccount Execu$ve

Aon Benfield

Mustapha HamatDis$nguished Academic

FellowInterna7onal IslamicUniversity Malaysia

Ahmed MohammedSabbagh

Chief Execu$ve OfficerThe Islamic Insurance Co.

Amman

Ashraf SabryChief Execu$ve Officer

Fawry

Ahmed RamadanMD & Chief Execu$ve

OfficerSolidarity Family Takaful -

Egypt


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M. Iqbal AsariaAssociate

A$ar Consul7ng

Chakib AbouzaidGTG Vice Chairman /

Reinsurance & RetakafulSpecialist

Vasilis KatsipisGeneral Manager

A.M.Best

Omer Elfaroug AhmedElamin

Asst. Managing DirectorUnderwri$ng

Shiekan Insurance Co.

Adham El-MuezzinSenior Manager - Treaty

Hannover ReTakaful

Dr Walid HegazyManaging Partner

Hegazy & Associatesin associa7on withCrowell & Moring

Omar GoudaManaging Director

Africa Retakaful

Ashraf Al AzzouniManaging Director

Middle EastRGA Reinsurance Company

Middle East Ltd

Sameh Al TawilCEO

Hive Adver7sing Agency

Sankalp SughoshHead – Customer Services

AETINS Sdn Bhd

Adj. Prof KhaeruddinSudharmin

M.D & Chief Execu$veOfficer

MRC Malaysia

Turki Bin HumaidChief Development OfficerWeqaya Takaful Insuranceand Reinsurance Company

Sheikh Bilal KhanShari'ah Scholar

Linklaters LLP

Azman IsmailPresident

IIFIN Consul7ng Sdn Bhd

Saleh Al OmairGeneral Manager

Amana Coopera7veInsurance

Dr Ludwig S1"lHead of Retakaful CoC

Munich Re

Dr Hardeep TamanaHead of Fixed Income

Crestar

Saadat KhanChief Execu$ve Officer

Ethical Asset Management

Javed AbbasiDirector

Gisba Group

Capitalising on the Potential of theGlobal Takaful Industry

Day One Monday 18, February 2013

08:00-09:00 Arrival & Registration

09:00-09:10 Opening: Recitation of the Holy Quran

09:10-09:20 Welcoming Remarks

Dr Metaib Al-Rawqi, Chief Executive Officer, Weqaya Takaful Insurance andReinsurance Company

09:20-09:35 Keynote Address

H.E. Dr El-Morsy Hegazy, Minister of Finance, Arab Republic of Egypt

09:35-09:45 Welcoming Remarks

Sirag El Hadi Qarib Allah, Secretary General, World Federation of IslamicInsurance & Takaful Companies

09:45-10:00 Keynote Address

Abdel Raouf Kotb, Chairman, Insurance Federation of Egypt

10:00 – 10:15 Keynote Address

Dr Ashraf Elsharkawy, Chairman, Egyptian Financial Services Authority

10:15-10:30 Keynote Address 2020 Vision –The Future of Takaful in a Changing World

Dr Mohamed Maait, Deputy Minister Of Finance, Arab Republic of Egypt

10:30- 11:05 Future of Takaful - Panel Discussion

Moderator M. Iqbal Asaria, Associate, Afkar Consulting

Panelists Dawood Taylor, Senior Regional Executive – Takaful, Prudential

Sameeulhaq Thanvi, Managing Director, Nile Family Takaful

Chakib Abouzaid, GTG Vice Chairman / Reinsurance & Retakaful Specialist

11:05-11:35 Coffee Break & Networking Session


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11:35-13:00 Session I: Setting up a Takaful Operation

Moderator Dr Alberto Brugnoni, Director General, ASSAIF

Understanding the Ethics Behind Takaful

Hisham Abdel Shukour, Managing Director, Egyptian Takaful Life

The A-Z guide behind Setting up a New Takaful Company

Azman Ismail, President, IIFIN Consulting Sdn Bhd

Technology & Takaful Start-Up – Hare, Tortoise or Eagle (Hybrid) Strategy

Sankalp Sughosh, Head of Customer Services, AETINS Sdn Bhd

Operating in an Emerging Market – The Nile Takaful Experience

Sameeulhaq Thanvi, Managing Director, Nile Family Takaful

The Social Marketing

Turki Bin Humaid, Chief Development Officer, Weqaya Takaful Insurance andReinsurance Company

13:00-13:50 Session II: Micro Takaful Solutions for Developing Nations

Moderator Ahmed Ramadan, MD & CEO, Solidarity Family Takaful, Egypt

Micro Takaful – Developing the PotentialSusan Dingwall, Partner, Norton Rose LLP

Micro Takaful as a Stimulus for MicrofinanceOmer Elfaroug Ahmed, Asst. MD Underwriting, Shiekan Insurance Co.

Utilising Technology to Access Rural MarketsAshraf Sabry, Chief Executive Officer, Fawry

13:50-14:45 Lunch & Prayers

14:45-15:45 Session III: Global Regulation of Takaful

Moderator Dawood Taylor, Senior Regional Executive – Takaful, Prudential

Global Perspective of Takaful RegulationVasilis Katsipis, General Manager, A.M. Best

Investigating the Egyptian Regulatory Framework for TakafulDr Walid Hegazy, Managing Partner, Hegazy & Associates in Association withCrowell & Moring

IFSB Regulations on Risk ManagementFfion Flockhart, Partner, Norton Rose LLP


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16:00-17:00 Session IV: Shariah Compliant Investments & Asset Management

Moderator Sheikh Bilal Khan, Shari'ah Scholar, Linklaters LLP

Sukuk in Takaful Investment – opportunities for 2013Mohammed Al Sharaf, Business Development Manager, Thomson Reuters

Panel DiscussionShariah Perspective on InvestmentTailor Made Investment OpportunitiesConverting Conventional Investments to Islamic

Panelists Saadat Khan, Chief Executive officer, Ethical Asset ManagementHardeep Tamana, Chief Executive Officer, CrestarMohammed Al Sharaf, Business Development Manager, Thomson Reuters

19:30-22:00 THE 6TH INTERNATIONAL TAKAFUL AWARDS CEREMONY

Day Two Tuesday 19, February 2013

08:00-09:00 Arrival & Registration

09:00-10:30 Session V: New Frontiers


The Prospects of Takaful In AfricaOmar Gouda, Managing Director, Africa Retakaful

Nurturing the Corporate ClientProf. Dr Shahinaz Rashad Abdellatif, Executive Director, Metropolitan TrainingAcademy & Metropolitan Consulting

Establishing IT Governance for TakafulJaved Abbasi, Director, Gisba Group

New Product DevelopmentAzman Ismail, President, IIFIN Consulting Sdn Bhd

Bringing Cooperative Insurance in Line with TakafulSaleh Al Omair, General Manager, Amana Cooperative Insurance


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11:15-12:15 Session VI: Retakaful

Moderator Chakib Abouzaid, GTG Vice Chairman / Reinsurance & Retakaful Specialist

Providing Retakaful Capacity for Future GrowthAshraf Al Azzouni, MD, Middle East, RGA Reinsurance Company Middle East Ltd

Retakaful in AfricaAdham Al-Muezzin, Head of Treaty, Hannover ReTakaful

Accessing The Global Retakaful Market – the Role of the Modern Day BrokersMatthew Muir, Account Executive, Aon Benfield

Panelist Omar Gouda, Managing Director, Africa Retakaful

12:15-13:15 Session VII: Distribution of Takaful Products –Panel Discussion


Understanding the Limitations of Existing Distribution ChannelsCasting a Wide Net through BancatakafulDirect Selling Through New Distribution Channels

Panelists Sohail Jaffer, Partner & Head of International Business Development, FWUSameeulhaq Thanvi, Managing Director, Nile Family TakafulM. Iqbal Asaria, Associate, Afkar Consulting

13:15-14:45 Lunch & Prayers

14:45-16:00 Session VIII: Marketing & Education for the Takaful Industry

Moderator M. Iqbal Asaria, Associate, Afkar Consulting

Examining the Use of Social MediaSameh Al Tawil, CEO, Hive Advertising Agency

Panel DiscussionCreating Consumer Base: Who is Responsible for Education the Customer?

Takaful for Non-Muslims: How to Target this Market

Understanding the Benefits of Good Branding

The Importance of Proactive Customer Service

The Education of Insurance Practitioners

Panelists Sameeulhaq Thanvi, Managing Director, Nile Family Takaful

Sameh Al Tawil, CEO, Hive advertising Agency

Prof. Dr Shahinaz Rashad Abdellatif, Executive Director, Metropolitan TrainingAcademy & Metropolitan Consulting

Adj. Prof Khaeruddin Sudharmin, M.D. & Chief Executive Officer, MRC

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Article

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Saudi Takaful Market

January 2013

By Weqaya Takaful Insurance and Reinsurance Company

T akaful sector is rapidly growing in Saudi Arabia due to the promising momen-

tum of the national economy and the favorable business environment in the

kingdom as a result of the national strong macro-economic such as the high

GDP and the young fast growing population of 28.4 million, in addition to the strong

regulatory and financial infrastructure in the Kingdom.

The performance of the Saudi Takaful market over the past three years has demon-

strated a steady-growth exhibited with double digit growth coupled with the strate-

gic foundation for future growth. With current growth trends, Takaful operators in

Saudi Arabia are focusing on moving toward innovative products and value-added

services in order to extend Takaful coverage to different customer segments with

higher levels of awareness, this imperative strategic approach has compelled Saudi

Takaful operators to continually improve their products and services instead of

aggressively fighting for market share with price wars. Acting on innovation oppor-

tunities, and effectively delivering new products to the market through the incre-

mental improvements in several existing products and services have successfully

provided a platform for expansion to seize the market’s needs and influence the

future of the Saudi Takaful market.

The solid regulatory framework in the kingdom is supporting the growth of the mar-

ket, whereas the Saudi Arabian Monetary Agency (SAMA) is now focusing on improv-

ing the enterprise risk management (ERM) with a substantial focus to place more

emphasis on the solvency regulations and effective corporate governance in order

to reflect the growing sophistication of the market and promote the growth and

competitiveness of the market as well.

As the market continues to expand, we have witnessed an increasing demand for

Protection and Savings products due to different factors such as the growth in invest-

ment-linked and asset-based financing which will lead to increase in the demand for

Protection and Savings Takaful products to mitigate the risk associated with these

types of financing.

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The market and most of the Saudi Takaful operators are still in the start up phase;

hence, operators have yet to achieve a certain size of business before reaching to crit-

ical mass and profitability levels. The witnessed profound transformation of the Taka-

ful operating models toward expanding consumers’ access to a wide range of

competitive products and services through more efficient operations enabled by

technology, have significantly contributed in optimizing the operational model and

effectively manage risks.

Saudi Takaful market is continuously improving its strategies in order to improve pro-

ductivity, enhance efficiencies and embrace new technology. However, sustained

growth-momentum requires key challenges to be addressed. These challenges can

be categorized into four key challenges:

• First, building product and consumer awareness whereas consumer needs shall

be addressed by establishing the distinct value propositions

• Second, lack of suitable Shariah compliant investments

• Third, in spite of the ongoing efforts to bridge the gap of the Takaful expertise

and qualified human capital availability, this challenge is considered to be crucial

to sustain Takaful growth, as the Saudi Takaful market needs more development

of professional knowledge through academic institutions and fostering accredited

training programs

• Finally, the Saudi Takaful market remains concentrated in limited business lines

and segments

Despite of the challenges, Saudi Takaful market is expected to yield better penetra-

tion, particularly with the less exploited tiers of the population, due to the recent

dynamic development of the market which will support the growing Takaful sector

and it is expected that over-time Takaful practices and benchmarks will be developed

in order to sustain the Saudi Takaful market’s positive outlook and support the ongoing

quest to position the Saudi Takaful market globally.


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Weqaya Takaful Insurance and Reinsurance Company is a publicly listed with a SAR200 million (US$53.3 million) as a paid-up capital. A'er a successful IPO on Tadawulexchange in April 2009, Weqaya Takaful became fully opera7onal in January 2011.Weqaya Takaful is differen7ated in the Saudi Arabian insurance sector by itsadvanced use of technology, and by its Sharia-compliant, explicitly Takaful mode ofopera7on combined with its financial strength, knowledgeable underwri7ng, first-class claims handling and loss control exper7se which have define Weqaya as a cen-ter of excellence.

Weqaya’s main strategy is to create a dis7nct image and iden7ty as a specializedTakaful insurance company, by offering a wide range of Takaful insurance services and products aligned withprincipals and regula7ons of Shari’ah, and supported by leading interna7onal reinsurers.

Weqaya Takaful is dis7nguished by its unique and mature corporate governance framework that is derivedfrom its internal Shari’a compliance, quality control, actuarial, legal, and consultancy. External support is alsoderived from the company’s three sets of regulators, its two sets of external auditors, and from its regular useof a consul7ng actuary, in addi7on to its external separate Shari’a board. Since the incep7on of Weqaya Taka-ful Insurance and Reinsurance Company, Weqaya has witnessed significant improvements in its business com-pe77veness, there are number of key pillars driving Weqaya’s posi7ve outlook and making it as one of themost a8rac7ve Takaful companies in KSA, the first among these factors is introducing the new innova7veTakaful products and services supported by the adop7on the Shari’a, and coupled with the development ofadvanced technological pla6orms which provide the founda7on on which Weqaya growth is now beingachieved to become the leading, explicitly Takaful insurance company in Saudi Arabia, serving all sectors ofthe market with a full range of life, health and non-life products. Weqaya Takaful has, since incep7on, heldhigh standards for the adop7on, maintenance, and ongoing refinement of its opera7onal and risk manage-ment processes by inves7ng in the technology infrastructure, break-down communica7on barriers, increasefocus on the strategy and results, u7lize resources more effec7vely and enhance the mechanism of inter-ac7ng with the customers and an7cipa7ng their needs.

Weqaya Takaful is proud of its locally and regionally well-recognized professional team, who were able toachieve many significant achievements, such as:1. In 2011, Weqaya Takaful has been awarded the 3rd rank in “Best Saudi Company to Work for Award” across

the SME’s category.2. Standard & Poor’s Ratings Services assigned its ‘BBB’ long-term counterparty credit and financial strength

ratings to Weqaya Takaful Insurance and Reinsurance Company, with a stable outlook. The ratings reflectWeqaya Takaful’s strong capitalization and investments, and prospectively satisfactory competitive posi-tion and operating performance.

3. In 2012, Weqaya Takaful has been awarded the 1st rank in “Best Saudi Company to Work for Award” acrossall the financial industry.

4. In 2011, Weqaya’s CEO has been nominated as the best “CEO” in KSA for the insurance industry.5. In 2012, Weqaya Takaful has received the ISO 9001:2008 certificate which certifies the company’s quality

management system (QMS) that is compatible with the international standards set by the ISO organization.

Weqaya Takaful is offering a wide range of innova7ve products and non-tradi7onal services to permanentlyexpand customer access to compe77ve Takaful products and services through more efficient opera7onsenabled by technology, therefore; op7mizing the opera7ons, effec7vely manage risks, and provide Takafulproducts and services tailored to the unique needs of a wide variety of clients which will enable Weqaya tofoster long-term rela7onships with its clients, providers, shareholders and regulators; in order to dis7nguishWeqaya Takaful as a strong and dynamic Saudi Takaful company.

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About AonAon plc (NYSE:AON) is the leading global provider of risk management,insurance and reinsurance brokerage, and human resources solu7onsand outsourcing services. Through its more than 62,000 colleaguesworldwide, Aon unites to empower results for clients in over 120 coun-

tries via innova7ve and effec7ve risk and people solu7ons and through industry-leading global resources andtechnical exper7se. Aon has been named repeatedly as the world’s best broker, best insurance intermediary,reinsurance intermediary, cap7ves manager and best employee benefits consul7ng firm by mul7ple industrysources. Visit www.aon.com for more informa7on on Aon and www.aon.com/manchesterunited to learnabout Aon’s global partnership and shirt sponsorship with Manchester United.

About Aon BenfieldAon Benfield, a division of Aon plc, is the world’s leading reinsurance intermediary and full-service capitaladvisor. We empower our clients to be8er understand, manage and transfer risk through innova7ve solu7onsand personalized access to all forms of global reinsurance capital across treaty, faculta7ve and capital markets.As a trusted advocate, we deliver local reach to the world’s markets, an unparalleled investment in innova-7ve analy7cs, including catastrophe management, actuarial and ra7ng agency advisory. Through our profes-sionals’ exper7se and experience, we advise clients in making op7mal capital choices that will empowerresults and improve opera7onal effec7veness for their business. With more than 80 offices in 50 countries,our worldwide client base has access to the broadest por6olio of integrated capital solu7ons and services. Tolearn how Aon Benfield helps empower results, please visit aonbenfield.com.

Aon Benfield – easy to understand!Aon Benfield assists insurers and reinsurers to protect people, businesses and organisa7ons around the world.Our 3,100 global colleagues, which include specialist teams of brokers, researchers, actuaries and analysts,work 7relessly to help our clients be8er understand, manage and transfer risk. We invest more than USD100million a year in analy7cs and technology to help bring innova7ve solu7ons to our clients, including model-ling tools that allow them to assess the poten7al impact of a wide range of natural and man-made catastro-phes, and financial analysis packages that help them to make the best use of their capital.

Etiqa Takaful is the no. 1 Takaful player in Malaysia; with a market share of49.4% in General Takaful and 35.6% in Family Takaful. In 2010, Etiqa Takafulbecame the first company to surpass RM2 billion (USD664 million) in totalcontribution.

Etiqa Takaful’s strength is in its ability as a true multi-channel takaful opera-tor. Its 21,000 agents and 33 branches nationwide together with parent company Maybank’s 400 branchesaround Malaysia and other third-party banks plus its direct enterprise corporate businesses extend its abilityto reach out to the masses. Supported by the Etiqa Oneline call centre at 1300 13 8888 and www.motor-takaful.com, its online motor takaful channel, Etiqa continues to grow and expand its market reach and share.

At the core of the Etiqa brand is the essence of humanizing Insurance and Takaful. In an industry where agree-ments are typified by triplicate and fine print, Etiqa seeks to humanize the process by breaking down bound-aries through clarity, strength and good conscience. With rock solid foundation, Etiqa is able to provide aunique ability to work hand-in-hand with customers enabling them to live richer lives.

Since its launch in 2007, Etiqa Takaful continues to garner various international awards as proofs of its lead-

ership in the industry. Etiqa continues to garner various international awards as testimonies of its leadershipin the industry since 2007. Etiqa has won the ‘Best Takaful Marketing’ award at the International TakafulAwards 2008 in London, the ‘Most Outstanding Takaful Company’ award at the Kuala Lumpur Islamic FinanceForum in 2008, 2009, 2010, 2011 and again in 2012, the ‘Best Brand in Services – Insurance and Takaful’award at the Brand Laureate Awards Night 2009 in Kuala Lumpur, the ‘Best Bancatakaful’ award at the Inter-national Takaful Award 2008 and 2010 in London, the ‘Best Takaful Company’ and ‘Best Bancatakaful’ awardsat the Asia Middle East Takaful Summit Bahrain 2010, the ‘Best Group Business Operator’ and the ‘Best Ban-catakaful Operator’ awards at the Malaysia Takaful Association Annual Dinner and Awards Night 2011, the‘Best Takaful Operator in Asia’ award at the Islamic Business & Finance Awards 2011, Silver Award for the‘Best Contact Centre Manager’ and Bronze Award for the ‘Best In-House Contact Centre’ at the CCAM AnnualContact Centre Awards 2010 and Bronze Award for the ‘Best Social Media Programme in Contact Centre’ in 2011.

The Spirit of TrustTokio Marine Group is commi8ed to the development of Takaful and offers widerange of takaful products and retakaful capacity in a number of countries aroundthe world. With its commitment to Corporate Social Responsibility, it constantlystrives to deliver the best to its customers, fully aligned with local values and beliefs.

Tokio Marine Nichido is Japan’s oldest and largest non-life insurance company, anundisputed industry leader in commercial and personal underwri7ng and writes

most classes of business in takaful and conven7onal insurance.

Tokio Marine Middle East is the Takaful Centre of Excellence of the Group based in Dubai Interna7onal Finan-cial Centre. For more informa7on contact or visit [email protected] or visit www.tmmena.com

Group websites: www.tokiomarine.eu and www.tokiomarinehd.com/en

Nile Takaful Company

Nile Takaful Company was established in 2008 as a private joint venture en7ty, resul7ng in the crea7on of twoseparate companies known as Nile Family Takaful (NFT) and Nile General Takaful (NGT). Nile Takaful as a TokioMarine Group company is the first and only mul7na7onal Takaful operator in Egypt. Being the first Takafulcompany in Egypt to use the hybrid Takaful model of Wakalah and Mudharabah, both NFT and NGT providealterna7ve business & personal risk protec7on, savings products and other programs that conform to Islamicbusiness principles and which promote caring, coopera7on and mutual assistance. Today, Nile Takaful pridesitself with its remarkable growth since its pioneering incep7on four years ago and has established itself as aproven viable Takaful operator in the region.

Nile Takaful’s awareness and knowledge of the challenges of the Egyp7an market has led to the con7nueddevelopment and enhancement of very innova7ve products. Product offerings include a “basket” of family& general products.

Nile Takaful prides itself in pursuing “Value Beyond Profit” by first striving to sustain strong top & bo8om linegrowth while at the same 7me taking the bold step in pioneering robust CSR ac7vity in Egypt at a 7me whencompanies have limited non-essen7al investment. Nile Takaful has undertaken meaningful CSR ac7vi7es in2012 with more planned in 2013 and the years to come.

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Tokio Marine Group is committed to the development of Takaful and offers wide range of takaful products and retakaful capacity in a number of countries around the world. With its commitment to Corporate Social Responsibility, it constantly strives to deliver the best to its customers, fully aligned with local values and beliefs.

Tokio Marine Nichido is Japan’s oldest and largest non-life insurance company, an undisputed industry leader in commercial and personal underwriting and writes most classes of business in takaful and conventional insurance.

Tokio Marine Middle East is the Takaful Centre of Excellence of the Group based in Dubai International Financial Centre,P. O. Box 506616, Dubai, United Arab Emirates. For more information contact [email protected], Tel: +971 4 425 5678, Fax: +971 4 425 5600, www.tmmena.com

Group websites: www.tokiomarine.eu and www.tokiomarinehd.com/en

A Spirit of TrustSince 1879

The Spirit of Trust

Tokio Marine Group


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Licensing and RegistrationHannover ReTakaful B.S.C. (c) is licensed by the Central Bank ofBahrain to provide fully Sharia compliant Reinsurance (ReTaka-ful), and operate as a ReTakaful Company in Bahrain for bothFamily and General ReTakaful. The company provides Retakafulfor Takaful companies around the globe.

CapitalThe company was formally registered on 3 October 2006 in Bahrain. The company has an authorised capitalof BHD 50 million (US $ 135 million) and a fully paid up capital of BHD 20 million (US $ 54 million).

SecurityHannover ReTakaful is a 100% subsidiary of Hannover Re Germany and therefore an integral part of the Group.The Hannover Re Group has a gross premium of around EUR 10.2 billion and is one of the leading reinsurancecompanies in the world. The Group has a Standard and Poor’s financial strength ra7ng of AA- (Very Strong)and an A.M. Best ra7ng of A (Excellent). Hannover ReTakaful independently has been assigned a ra7ng byStandard & Poor’s of “A” with stable outlook.

The establishment of a fully owned subsidiary for ReTakaful business shows the commitment of Hannover ReGroup for this market and the importance it has given to Sharia based products.In recogni7on of its contribu7ons to the Industry, Hannover ReTakaful received the Innova7on Award 2007in the Interna7onal Re-Takaful category by Middle East Insurance Forum, the Best ReTakaful Company 2008,2009, 2011 and 2012 Awards from the Interna7onal Takaful Awards and the Best ReTakaful Operator 2008 and2009 from the Islamic Business & Finance Awards.

Sharia BoardThe Sharia Advisory Board of the company consists of eminent scholars from around the world namely, Dr.Mohammad Elgari, Mu'i Abdunabi Hamidi and Mu'i Hassan Kaleem. The Sharia Advisory Board supports andunderpins the development of the company and its products offerings.

ReTakaful BusinessHannover ReTakaful has already started providing General ReTakaful and Family ReTakaful business since itsincep7on with great success.

General TakafulHannover ReTakaful provides financially sound Retakaful solu7ons on all classes of Property and CasualtyBusiness, on a treaty and faculta7ve basis. The capacity is offered on both propor7onal and non-propor7onalbasis.

Family TakafulWe are providing Family Takaful Operators with Sharia Compliant Retakaful solu7ons for all their productsand supplementary benefits. This includes both Individual and Group Family Takaful.

TeamWe have a resident based dedicated team of professionals for both Family and General ReTakaful Opera7onsthat will provide clients with expert and efficient solu7ons for all their business needs.

The team at Hannover ReTakaful will also enjoy the full technical support from the parent company, Han-nover Re Germany.

Visit: www.hannover-re.com

THIS DOESN’T LOOK LIKE AN INVITATION TO

A FAIR PARTNERSHIP.

www.hannover-re.com


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Norton Rose is a leading international legal practice. We offera full business law service to many of the world’s pre-eminentfinancial institutions and corporations from offices in Europe,Asia, Australia, Canada, Africa, the Middle East, Latin Americaand Central Asia. Knowing how our clients’ businesses work

and understanding what drives their industries is fundamental to us. Our lawyers share industry knowledgeand sector expertise across borders, enabling us to support our clients anywhere in the world. We are strongin financial institutions; energy; infrastructure, mining and commodities; transport; technology and innova-tion; and pharmaceuticals and life sciences.

We have more than 2900 lawyers operating from offices in Abu Dhabi, Almaty, Amsterdam, Athens, Bahrain,Bangkok, Beijing, Bogotá, Brisbane, Brussels, Calgary, Canberra, Cape Town, Caracas, Casablanca, Dar esSalaam, Dubai, Durban, Frankfurt, Hamburg, Hong Kong, Johannesburg, London, Melbourne, Milan, Mon-tréal, Moscow, Munich, Ottawa, Paris, Perth, Piraeus, Prague, Québec, Rome, Shanghai, Singapore, Sydney,Tokyo, Toronto and Warsaw; and an associate office in Jakarta. From 1 June, 2013 we will also have offices inAustin, Dallas, Denver, Houston, Los Angeles, Minneapolis, New York, Pittsburgh-Southpointe, Riyadh, SanAntonio, St Louis and Washington, D.C.

On June 1, 2013 Norton Rose will join forces with leading U.S. law firm Fulbright & Jaworski L.L.P. to formNorton Rose Fulbright. With 3800 lawyers and 54 offices, including 11 in the USA, Norton Rose Fulbright willbe one of the largest global legal practices, with significant depth of expertise in the world’s leading businessand financial centres.

Norton Rose is the business name for the international law firm that comprises Norton Rose LLP, Norton RoseAustralia, Norton Rose Canada LLP and Norton Rose South Africa (incorporated as Deneys Reitz Inc) and theirrespective affiliates.

Visit: www.nortonrose.com

• Africa Retakaful has been Established in 2010 and commenced operations in 2011.• Africa Retakaful is 100% owned, supported and guaranteed by Africa Re.• Africa Retakaful has been established in response to increasing needs of AfricanTakaful industry for a specialized Regional Retakaful Operator.• Africa Retakaful provides all types of Retakaful products which are fully sharia’acomplaint.• Africa Retakaful adopts mix of Wakala & Mudaraba models.• The Retakaful operation of the company is based on Wakala model with manage-ment expenses as actual.

• Investment of participants’ funds is based on Mudaraba model.

Business PhilosophyAfrica Retakaful supports the Takaful products even if run by a conventional player to enhance the conceptof Takaful. The company’s Sharia’a Supervisory Board is continuously examining the products to ensure com-pliance with the Sharia’a principles.

BusinessOur Main Focus is African Takaful Business and extended to Middle East and Asia, providing Sharia’a compliantproducts. >> >> >>

nortonrose.comFINANCIAL INSTITUTIONS – ENERGY – INFRASTRUCTURE, MINING AND COMMODITIES – TRANSPORT – TECHNOLOGY AND INNOVATION – PHARMACEUTICALS AND LIFE SCIENCES

LOCAL KNOWLEDGE GLOBAL CAPABILTY

dedicated team which has the expertise and experience to advise takaful and re-takaful operators in this vibrant and growing sector.

We offer a comprehensive service, including advice on:

• Takaful and re-takaful structuring• Regulation• Policy and contract wordings• Authorisations and passporting• Investment management agreements• Distribution• Outsourcing• Dispute resolution

For further information on takaful and re-takaful at Norton Rose, please see our website nortonrose.com

Susan Dingwall Norton Rose LLP Tel +44 (0)20 7444 2349 [email protected]

Ffion FlockhartNorton Rose LLP Tel +44 (0)20 7444 [email protected]

Mohammed ParachaNorton Rose (Middle East) LLPTel +971 (0)4 369 [email protected]

Davide BarzilaiNorton Rose Hong KongTel +852 3405 [email protected]


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VisionTo establish a leadership position as a regional Retakaful operator committed to Africa and Asia, by provid-ing services in accordance with international standards.

MissionTo provide a complete range of Retakaful products in order to meet our clients’ business requirements.

Objectives• To establish a strong Retakaful provider in Africa and Asia• To meet the increasing need for Sharia’a compliance products• To increase the Takaful awareness in our target markets• To establish a strong Takaful industry with focus on Africa

A F R I C A R E TA K A F U L B U S I N E S S M O D E L

Wakala Model for OperationsAfrica Retakaful applies the Wakala Model for its operations with management expenses as actual.Thus the risk is shared among the participants, where the underwriting results belong only to participants assurplus or deficit.

Mudaraba Model For investmentsAfrica Retakaful applies the Mudaraba model for the investments of the participants’ funds.Thus the net investment income is shared between the participants and Africa Retakaful.

Products and ServicesAfrica Retakaful provides various Retakaful products, which are essential to meet the increased businessneeds of the takaful industry. All our Retakaful products are approved by the Sharia’a Supervisory Board.Africa Retakaful range of products are available by all means of Retakaful, facultative or treaties, proportionalor non-proportional for all classes such as:

• Engineering Retakaful• Marine Retakaful (Hull, Cargo and Liabilities)• Oil and Energy Retakaful• Property Retakaful• All classes of Miscellaneous Accidents• Aviation Retakaful• Family Takaful and all related products

All classes are written according to the underwriting policy and the guidelines of the company.

For further information contactAfrican Takaful Reinsurance Company, 7th ElKhalily St., Plot No.1149, Massaken Sheraton Heliopolis,Postal code 11361 Cairo, Egypt

Tel: 00202 22685668 Fax: 00202 22685667

[email protected] • [email protected] • [email protected] • [email protected]

www.theafricaretakaful.com www.africa-re.com


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Egyptian Life Takaful Company (ELTC), established in 2006, is part ofthe Gulf Insurance Group (GIG), and has become one of the first takafulcompanies to serve Egyptians with all their diversifications and differentdemands. In such a short time, ELTC’s team of experts in every field andspecialization were able to study and measure the importance of insur-ance with its various products to the Egyptian society, and hence create

custom products that suit most needs and demands. ELTC is regulated by the Egyptian Financial SupervisoryAuthority (EFSA) and the Shariah Supervisory Committee and it proudly partners with most of the prestigiousand well known banks in Egypt to extend its services to most of the Egyptian community.

Vision & MissionEgyptian Takaful Life Company is making every effort to be the company of choice in the Middle East to its cus-tomers, shareholders and employees.

We are introducing the finest Sharia compliant insurance products to the Egyptian market ensuring the peaceof mind for the customers from the risks that threatens the future of their families supported by highlyadmired customer service. We will also ensure that our shareholders are provided with profitable growth andsubstantial return on capital.

Egyptian Takaful Life will provide its employees with an environment where they will be challenged, appreci-ated and respected. Our promise is to be always with you whenever you need and wherever you are.“We put our customers, shareholders and employees at the heart of everything we do.”

ShareholdersGulf Insurance Company (59.5%)Faisal Islamic Bank (8.25%)Misr Iran Development Bank (8.25%)BANQUE MISR (8%)National Bank Of Egypt (8%)Social Fund for Development (8%)

ProductsEgyptian Life Takaful Comp[any serves the whole Egyptian community, whether that is a company, a factoryowner, a business man, or just a concerned parent, ETLC has the suitable product(s). Its wide range of clientsatisfying products enable the company to provide ultimate service to its clients. ELTC’s products are cus-tomised to match different needs and desires.

Individual ProductsELTC understands the worries of concerned parents and what goes through their minds every single minuteand how hard they work to provide their families with the best possible living. For the concerned parents, thecompany tailored the bellow products.

GuardianIs a Unit Linked Regular Premium Saving Plan which ensures that the required budgets to cover the children’seducation are in place should an unfortunate event happens to the breadwinner.

OmniaIs a Unit Linked Regular Premium Saving Plan designed to provide valuable insurance benefits with as little asEGP 250 whilst ensuring that there is an attractive maturity value that the plan supports in making an Omnia“wish” come true.

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Dollar PrimeIs a saving and protection plan, where the client pays one or more single premiums. The aim of this productis to help its clients save for the medium term hopes and dreams.

SukIs the first Islamic money market fund in Egypt, of a single premium in Egyptian Pound

Life FirstIs designed to provide a safety net to modern families. As protection against the drawbacks that might occurthat affect and prevent the families from fulfilling their commitments and obligations.

AmanIs designed to provide a more financial convenient protection plan that provides a lump sum of money forfamilies to deal with the unexpected loss of the policyholder as a result of the accident.

PrestigeIs the ideal choice for customers who are interested in the quality of living during their golden years but donot want to be burdened with never ending contributions.

Corporate ProductsELTC understands the concerns of business owners. The benefits provided to staff help them become moreproductive and of more value to the business. The company not only offers various programs to choose from,ELTC acts as the back bone insurance support system. ELTC team works with step by step to match the busi-ness needs with the right product. Egyptian Life Takaful Company has a range of corporate products designedto provide companies with a range of facilities for their employees.

Employee Group LifeEnables companies and employers to provide their employees with a lump sum of money in the event of anunfortunate event happening to an employee.

Employee Saving PlanEnables companies and employers to provide their employees with a lump sum of money upon their retire-ment or when employees leave the company prior to their retirement

Credit Shield PlanIs designed to provide security for lending corporations and institutions and their customers by preventingcredits’ debts from becoming a burden during unforeseen tragic events.

Medical ProgramEgyptian Life Takaful Company provides a Takaful Medical Program, that offers the employees medical bene-fits, therefore supporting companies to offer more benefits to their employees, since maintaining a goodhealth for employees, enhances their moral spirit, in addition it assures the employer and grants a state of con-fidence as the employees are protected.

FWU Group is a global leader in the fast expanding Takaful industry and has gen-erated significant produc7on in the various markets it has a presence in: Saudi Ara-bia, the UAE, Kuwait, Pakistan and Malaysia. Today, FWU Group is recognised as thelargest global producer of Bancatakaful in those five markets combined.

FWU Group specializes in white label Family Takaful unit-linked investments andoffers the Takaful Operator a customised innova7ve product family, which includessavings, educa7on, marriage and pension plans. A second genera7on of that prod-uct suite has recently been developed and approved by various Shari’ah Boards to

meet with customers’ broader financial planning needs. FWU Group offers the banks an open investmentarchitecture where they can incorporate their own Shari’ah-compliant funds into the investments universeas well as a dynamic principal-protected equity strategy, in conjunc7on with an interna7onal player.

FWU Group is at the forefront of the efforts to raise the performance bar by innova7ng to respond to mar-ket condi7ons and by working closely with prominent Shari’ah scholars, na7onal regulators, interna7onalactuaries, global reinsurers and interna7onal accoun7ng firms. FWU Group has also created a proprietaryweb portal, which facilitates the customer sales process, policy administra7on and provides automated under-wri7ng.

FWU Group is an observer member of IFSB and an ac7ve member of their Takaful working group. In recog-ni7on of its global exper7se in Takaful, FWU Group has won eight pres7gious awards including Euromoney,Islamic Finance News, Islamic Business and Finance and World Finance.

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S U M M I T

Dr. Manfred J. Dirrheimer,Chairman & CEO, FWU Group

Sohail Jaffer,

www.fwugroup.com

Regular and lump sum contributionsOpen investment architectureDynamic Protected Sharia compliant Equity StrategyRobust web-based sales and policy administration system designed for customer convenienceStructured Retakaful solution with a major global reinsurance companyAnnual Retakaful surplus distributed to the individual participants

Bank distribution partners in the Middle East, Far East and the Emerging markets

FWU Group isA leader in international Bancatakaful,product innovation and quality customer serviceAn Observer Member of the Islamic Financial Services Board (IFSB)

in TakafulExpertise

Why choose FWU Group for tailor-made “white label” Family Takaful Savings, Education, Marriage & Retirement plans?


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Fyshe Crestar is at the forefront of the investment industry in pro-viding bespoke investment solu7ons.

Our strategic emphasis is that Islamic Financial Services need toreach out and address the needs of the wider community if they

are to make a meaningful impact. To do this, it is vital that the wisdom of Shari’ah is paired with conven-7onal skills that drive results. Innova7on and a choice of products and services are vital in ensuring that theIslamic Financial Services succeed in posi7oning themselves as a viable alterna7ve.

Fyshe Crestar is a trading name of Fyshe Horton Finney Ltd, a firm that traces its history to 1896 and that isauthorised and regulated by the UK Financial Services Authority. Fyshe Crestar is a flagship brand establishedin 2003 to cater for those developing Shari’ah compliant investment products and seeking distribu7on chan-nels to retail clients.

We are ver7cally integrated and are a one stop for bespoke Shari’ah screening, execu7ng business on regu-lated global markets and distribu7on of regulated products in the UK and European Union. Our range of serv-ices are bespoke, designed to be compe77ve and meet the highest standards of quality.

Standard & Poor’s, a subsidiary of The McGraw-Hill Companies(NYSE:MHP), is the world’s foremost provider of independent credit rat-ings, indices, risk evalua7on, investment research and data. With officesin 23 countries and markets, Standard & Poor’s is an essen7al part ofthe world’s financial infrastructure and has played a leading role for 150

years in providing investors with the independent benchmarks they need to feel more confident about theirinvestment and financial decisions.

For more informa7on, visit www.standardandpoors.com

General Takaful was established in 2008 as a subsidiary of “Qatar Gen-eral Insurance & Reinsurance Co.” to transact insurance business in theState of Qatar as per Sharia’h principles and Takaful concept.

Since its incep7on ”General Takaful” has been commi8ed to main-taining the highest standards of service to its clients. The company has its principal asset a highly experiencedand professional management team who can offer expert advice based on their understanding of the uniqueneeds of each individual client. Our strong customer rela7on and competent claims se8lement program shallbe our brand name and our mo8o is to be consultants rather than an Insurer to our valued clients.

S&P Capital IQ combines two of our

strongest brands—S&P, with its long

history and experience in the financial

markets and Capital IQ, which is known

among professionals globally for its

accurate financial information and

powerful analytical tools.

S&P Capital IQ provides multi-asset class data,research and analytics to institutional investors, investment advisors and wealth managers around the world. We offer a broad suite of capabilities designed to help track performance, generate alpha, identify new trading and investment ideas, and perform risk analysis and mitigation strategies.

For more information, please visitwww.spcapitaliq.com.

The analyses, including ratings, of Standard & Poor’s and its affiliates are statements of opinion as of the date they are expressed and not statements of fact or recommendations to purchase, hold, or sell any securities or make any investment decisions. Users of ratings or other analyses should not rely on them in making any investment decision. Standard & Poor’s opinions and analyses do not address the suitability of any security. Standard & Poor’s does not act as a fiduciary or an investment advisor except where registered as such.

Copyright © 2012 by Standard & Poor’s Financial Services LLC (S&P), a subsidiary of The McGraw-Hill Companies, Inc. All rights reserved. STANDARD & POOR’S and S&P are registered trademarks of Standard & Poor’s Financial Services LLC. CAPITAL IQ is a registered trademark of Capital IQ.


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Saudi Reinsurance Company “Saudi Re” is a Saudi joint stock company,founded in Riyadh in 2008 as the first reinsurance company established inSaudi Arabia.

• Publicly Joint Stock Company Listed on the Saudi Exchange Market.• Coopera7ve full-fledged reinsurer.

• The first reinsurance company licensed by the Saudi Arabian Monetary Agency (SAMA).• Offer faculta7ve and treaty solu7ons both on a propor7onal and non-propor7onal basis.• Strong underwri7ng exper7se in Engineering, Property, Marine, Casualty, Motor, Health, Life, and Retro-

cession.• Paid up Capital SR 1 Billion (USD 267 Million).• BBB+ (Stable) ra7ng by Standard & Poor’s.

Vision• To build a reinsurance company for the middle East/North Africa region that is both innova7ve and supe-

rior technically and that will become a regional leader.• To leverage its strong regional pla6orm and influence to expand on a global scale in markets where prof-

itable opportuni7es are iden7fied.• To develop a financially strong company for the benefit of its shareholders and clients, achieving a superior

ra7ng.• To create a professional and constantly learning organiza7on that will provide a real regional alterna7ve to

the global players.

DE

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NM

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Thomson Reuters addresses the Islamic finance industry’s needsthrough innova7on

About Thomson ReutersThomson Reuters is the world’s leading source of intelligent

informa7on for businesses and professionals. We combine industry exper7se with innova7ve technology todeliver cri7cal informa7on to leading decision makers in the financial and risk, legal, tax and accoun7ng, intel-lectual property and science and media markets, powered by the world’s most trusted news organiza7on.With headquarters in New York and major opera7ons in London and Eagan, Minnesota, Thomson Reutersemploys approximately 60,000 people and operates in over 100 countries. Thomson Reuters shares are listedon the Toronto and New York Stock Exchanges. For more informa7on, go to h8p://thomsonreuters.com

Thomson Reuters Islamic Finance GatewayThomson Reuters Islamic Finance Gateway (IFG) covers all informa7on and transac7on requirements, fromtreasury and asset management to sharia advisory and legal counsel, all provided through dedicated com-munica7on, knowledge and transac7on systems. This allows the sharing of content and transac7ons withcounterpar7es in addi7on to displaying prices and covering recent trends, coverage and analysis.

The Islamic Finance Gateway offering contains three major components:

• Islamic Finance Gateway Community: Born out of market demand, IFG Community was recently launchedin October 2012. It provides two major spaces for industry professionals to gather, interact, and engage inmeaningful and collabora7ve development – 1) an online pla6orm connec7ng the global Islamic financecommunity to each other and to reliable and up to date mul7-sourced Islamic finance news, insider infor-ma7on and latest markets movements, and 2) face-to-face events such as forums and roundtable sessions.IFG Community aims to be ‘the forum’ for ac7onable outcomes that will advance the whole industry.

• Islamic Finance Gateway Research: Daily and Weekly IFG Briefings will be an indispensable part of theindustry professional’s prepara7on for the day and week ahead. IFG Briefings provide key news, marketmovements, coverage of all relevant Islamic asset classes, and much more. These are pulled together fromthe most relevant Islamic finance news and analyses, and presented in a diges7ble format.

• Islamic Finance Gateway Research Reports will give a 360° view of Islamic finance by country, region, assetclass and credit. ‘Credit Reports’ analyze the credit worthiness of unrated financial ins7tu7ons to provideusers with an up to date review of counterpar7es they intend to transact with. ‘Asset Class Reports’ reviewopportuni7es and issues with par7cular asset classes of interest to Islamic finance investors, and ‘CountryReports’ cover all aspects of Islamic finance in a given country, including: regulatory framework, marketfundamentals, legal issues and customer and corporate preferences collated through surveys.

• Islamic Finance Gateway Model: Accessible through Thomson Reuters Eikon pla6orm, IFG Model addressesthe complete Islamic finance workflow. It is the sole pla6orm market professionals need to access ‘trading-ready’, comprehensive, trusted mul7-asset class informa7on on a wide range of Islamic finance instru-ments such as sukuk, Islamic leveraged loans, funds, Islamic money market, Takaful and currencies,alongside embedded real-7me news stories from Reuters, and correla7on analy7cs for Islamic versus con-ven7onal market views. The IFG Model improves transparency through lower informa7on search costs andprovides greater global connec7vity and insight into the industry’s opportuni7es.


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AETINS Takaful and Insurance So'ware Solu7ons Provider.We provide an integrated end-to-end Takaful and Insurance Solu7on coveringall lines of business: TAKAFUL Family and General, Health, Individual and GroupLife, Investment Linked. It encompasses illustra7ons, quota7on, new business, con-tract/policy servicing, claims, agency management, commission, benefits,accoun7ng, case and network management, and re-takaful/re-insurance.

Our business is to help Takaful Operators to strategize and operate by leveraging on Informa7on Technology,a key enabler to achieve transforma7onal growth through Opera7onal Excellence and Innova7on. Our globalCustomers from the Asia, Middle East and Africa regions include leading companies SABB Takaful (memberof HSBC Group), Legal and General, Tokio Marine and others.

Our Quality AssuranceAETINS is cer7fied with Carnegie Melon USA, CMMI Level 5 for so'ware development and ISO/IEC 20000, themost recognized cer7fica7on for IT Service Management.

Our products include• PentaTAKAFUL Family for Family & Group Takaful• PentaTAKAFUL General for General Takaful (Property & Casualty)• PentaHEALTH for Health Takaful Solu7ons• PentaAGENT for Web Portal for Takaful Agents• PentaBANCA-Family for Selling Family Takaful through Bank• PentaILLUSTRATE for Offline illustra7on for Family Takaful• PentaGISA for Group Takaful Self Administra7on System for Employers• PentaBANCA-General for Selling General Takaful through Bank• PentaGENSURE for Web Portal for Selling & Servicing General Takaful• PentaFINANCIAL for Financial & Accoun7ng Solu7on• SOLON for Reports Genera7on Tool for Business Users• Pi8acus for Requests Management Tool• Spinoza for Por6olio Management System for Projects

AETINS Sdn BhdSuite 3A02, Menara PJ,AMCORP Trade Centre,No. 18, Jalan Persiaran Barat,46050 Petaling Jaya,Selangor Darul Ehsan,Malaysia

T: +603-79553043; 76203043

E: [email protected]

www.ae1ns.com

The Trusted Takaful Software Specialist

100% Success Rate

Proven SolutionsWHY USWHY US

Just as it is a great feat to combine different instruments in an orchestra to create a grand masterpiece that connects the audience, likewise AETINS orchestrates all functions and processes in your Takaful Operations.

Being a leading takaful software solution specialist, AETINS can support you in any of your strategic business approach through innovative use of Information Technology (IT) to differentiate the way you do business.

AetinSH e l p i n g t o I n s u r e

AETINS Sdn BhdSuite 3A02, Menara PJ,AMCORP Trade Centre, No. 18, Jalan Persiaran Barat, 46050 Petaling Jaya, Selangor Darul Ehsan, Malaysia.

Email: [email protected] http://www.aetins.com

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Darul Ehsan, Malaysia.aya, etaling Jaran Barat, 46050 P

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not all that you perceive is real!

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DESIGNMPIRE is not interested in winning Industry awards. Instead, we concentrate on creative solutions that will make you lead & turn your perception to reality

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O F F I C I A L A R A B I C B R O A D C A S T E R

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At Etiqa, we are about people not policies.

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Customer Relationship Management & Contact Centre Association Malaysia Brand LaureateKuala Lumpur Islamic Finance Forum

Most OutstandingTakaful Company

2008, 2009, 2010, 2011, 2012

Best Contact CentreManager 2010, 2012

(Below 100 seats)

Best In-houseContact Centre 2010, 2012

(Below 100 seats)

Best Brand inServices, Insurance

& Takaful 2009

Best Social Media Programin Contact Centre 2011

Best Takaful Company (Asia)International Takaful Summit

London, 2012

Best Bancatakaful (Asia)International Takaful Summit

London, 2012

Best Marketing (Asia)International Takaful Summit

London, 2012

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