Bahrain Insurance Report Q3 2011

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Bahrain Insurance Report Q3 2011 Published on July 2011

Report Summary - For all the success of the Central Bank of Bahrain (CBB) in promoting the development of financial services, the insurance sector is small by most standards. - The political unrest in Bahrain and the region has been bad news for most non-life insurers, which already faced a variety of problems. - Life insurance companies, takaful operators and reinsurance companies continue to grow. Political stability is an absolutely necessary condition for the development of a thriving offshore/regional financial services business. Regardless of the ultimate impact on Bahrain's economy from the political unrest so far in 2011 (we discuss three possible scenarios in this report), recent events have been disastrous for offshore banking and tourism. Early indications are that the unrest has made things even more difficult than it was previously for conventional (ie: non-takaful) non-life insurers in a small market that was not growing particularly quickly, which was fragmented and characterised (like several others in the Middle East) by intense price competition. Players were chasing business regardless of profitability in 2010 in their quest for large corporate clients, as well as in the pursuit of business in 'basic' lines such as motor insurance. As if this was not enough, the growth of insurance was constrained in 2010 by the downturn in the construction and real estate sectors. In other words, the excellent work by the CBB to develop a first-class regulatory environment, promote Islamic finance worldwide and nurture the growth of financial services in Bahrain over decades has not produced an insurance sector that is resilient in face of the latest unrest. Interestingly, Bahrain has become a far less important market for takaful and shari'a-compliant insurance than the UAE, let alone Saudi Arabia. Nevertheless, there are some reasons for optimism. Partly because of the growth in bancassurance and partly because of the development of new products by local and regional insurers, the small local life segment continues to expand. Takaful contributions are not growing at the explosive rates of 2-3 years ago but they are still rising at double-digit rates. Perhaps most importantly, the reinsurers that are active in Bahrain appear to be in expansion mode.

Table of Content Executive Summary 5 Table: Total Premiums, 2008-2015 5 Key Insights And Key Risks 5 SWOT Analysis 7 Bahrain Insurance Industry SWOT . 7 Bahrain Political SWOT . 8 Bahrain Economic SWOT . 8 Bahrain Business Environment SWOT 9 Life Sector 10 Middle East Life Sector Overview 10 Table: Middle East And Africa Life Premiums, 2008-2015 (US$mn) 10 Bahrain Life Sector Update . 12 Life Insurance Industry Forecast Scenario 13

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>> Get this Report Now by email! Table: Life Premiums, 2008-2015 . 13 Growth Drivers And Risk Management Projections 14 Population 14 Table: Insurance Sector Key Drivers ' Demographics, 2008-2015 . 14 Non-Life Sector 16 Middle East Non-Life Sector Overview 16 Table: Middle East And Africa Non-Life Premiums, 2008-2015 16 Bahrain Non-Life Sector Update 17 Non-Life Insurance Industry Forecast Scenario 20 Table: Non-Life Premiums, 2008-2015 . 20 Growth Drivers And Risk Management Projections 21 Macroeconomic Outlook . 21 Table: Bahrain Economic Activity, 2008-2015 . 24 Political Stability Outlook . 24 Healthcare 27 Health Insurance 28 Epidemiology 31 Table: Insurance Sector Key Drivers ' Disability-Adjusted Life Years, 2008-2015 31 Islamic Finance 34 Insurance Risk/Rewadr Ratings . 38 Table: Bahrain's Insurance Risk/Reward Ratings 38 Table: Middle East And Africa Insurance Risk/Reward Ratings 39 Competitive Landscape 40 Competitive Landscape Analysis 40 Major Players in Bahrain's Insurance Sector 41 Table: Breakdown Of Insurance Premiums, 2008-2009 (BHDmn) 42 Table: Breakdown Of Reinsurance Premiums, 2008-2009 (BHDmn) 43 Table: Ranking Of Non-Life Insurance Companies By Gross Written Premiums, 2008-2009 (BHD '000) 43 Table: Ranking Of Life Insurance Companies By Gross Written Premiums, 2008-2009 (BHD '000) 44 Company Profiles 45 Local Company Profiles 45 Bahrain National Holding Company 45 Regional Company Profiles . 47 Allianz . 47 Arab Insurance Group (ARIG) 49 Aviva . 50 AXA . 51 Chartis 52 Generali 54 HSBC Insurance . 55 MAPFRE. 56 MetLife ALICO . 57 RSA . 59 Zurich Financial Services . 61 BMI Methodology 63 Insurance Risk/Reward Ratings . 64 Table: Insurance Risk/Reward Indicators And Rationale . 65 Table: Weighting Of Indicators 66

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