SALAMA

Islamic Arab Insurance Co. (Salama)

SALAMAStocksDubai Financial MarketInsurance

Financials

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Assets
Cash & Equivalents	195.41M	158.92M	179.80M	136.13M	150.43M
Total Assets	3.24B	3.19B	3.22B	3.16B	3.31B
Investment Securities	31.31M	39.26M	27.00M	73.96M	28.46M
Reinsurance Recoverable	437.12M	396.90M	409.82M	414.83M	470.86M
Liabilities
Total Liabilities	2.88B	2.83B	2.87B	2.83B	2.97B
Insurance Liabilities	2.56B	2.09B	2.08B	2.10B	2.67B
Unearned Premiums	—	—	—	—	—
Unpaid Claims	—	457.73M	486.40M	445.82M	—
Equity & Ownership
Total Equity	360.02M	359.32M	351.84M	338.45M	334.38M
Shares Outstanding	483,021,000	483,023,543	483,023,543	483,023,543	483,023,543
Cash & Assets
Total Assets	3.24B	3.19B	3.22B	3.16B	3.31B
Cash & Equivalents	195.41M	158.92M	179.80M	136.13M	150.43M
Net Cash (Debt)	189.41M	153.77M	174.56M	130.03M	144.22M
Net Cash Per Share	0.39	0.32	0.36	0.27	0.30
Net Cash Growth	+31.3%	+36.2%	+29.7%	+11.8%	+2.2%
Other Receivables Insurance	25.83M	32.02M	27.74M	24.83M	34.83M
Restricted Cash	314.23M	292.50M	310.78M	305.96M	298.84M
Construction In Progress	1.58M	—	—	—	0.44M
Land	11.24M	—	—	—	10.74M
Buildings	33.59M	—	—	—	32.05M
Machinery	27.69M	—	—	—	26.16M
Property, Plant & Equipment	53.38M	52.37M	52.30M	52.62M	53.25M
Goodwill	65.63M	—	—	—	65.63M
Other Intangibles Insurance	1.05M	66.70M	66.78M	66.96M	1.56M
Other Current Assets Insurance	0.77M	0.79M	0.77M	0.75M	0.75M
Other Long Term Assets Insurance	208.30M	191.38M	162.01M	118.46M	169.96M
Long-Term Deferred Tax Assets	7.72M	5.46M	5.41M	5.27M	5.17M
Separate Account Assets	1.78B	1.82B	1.84B	1.85B	1.92B
Long-Term Leases	3.89M	5.15M	5.24M	6.10M	4.01M
Current Portion of Leases	2.12M	—	—	—	2.19M
Long-Term Deferred Charges	—	—	—	—	—
Loans & Investments
Investment Debt Securities	31.31M	39.26M	27.00M	73.96M	28.46M
Investment Equity Preferred	40.53M	38.01M	36.20M	37.69M	36.84M
Other Investments	15.22M	46.11M	49.20M	24.99M	20.99M
Reinsurance Recoverable	437.12M	396.90M	409.82M	414.83M	470.86M
Total Investments	0.15B	0.18B	0.17B	0.19B	0.14B
Liabilities & Obligations
Total Liabilities & Equity	3.24B	3.19B	3.22B	3.16B	3.31B
Accounts Payable Insurance	90.47M	—	—	—	68.77M
Accrued Expenses	32.19M	—	—	—	26.34M
Current Income Taxes Payable	23.47M	—	—	—	22.23M
Other Current Liabilities Insurance	57.98M	—	—	—	51.43M
Other Long Term Liabilities Insurance	—	172.72M	173.17M	150.50M	—
Reinsurance Payable	101.71M	108.65M	122.60M	122.23M	122.09M
Separate Account Liability	—	—	—	—	—
Unearned Premiums	—	—	—	—	—
Unpaid Claims	—	457.73M	486.40M	445.82M	—
Insurance Annuity Liabilities	2.56B	2.09B	2.08B	2.10B	2.67B
Deffered Tax Liabilities Insurance	0.24M	—	—	—	4.09M
Debt & Funding
Short-Term Debt	—	—	—	—	—
Total Debt	6.01M	5.15M	5.24M	6.10M	6.20M
Equity & Book Value
Shareholders' Equity	360.02M	359.32M	351.84M	338.45M	334.38M
Total Common Equity	300.04M	302.23M	298.01M	286.43M	284.05M
Common Stock	0.48B	0.94B	0.94B	0.94B	0.94B
Retained Earnings	-9.42M	-427.53M	-428.33M	-433.32M	-432.35M
Treasury Stock	—	-35.97M	-35.97M	-35.97M	-35.97M
Comprehensive Income & Other	-173.57M	-173.86M	-177.28M	-183.86M	-187.22M
Minority Interest	59.99M	57.08M	53.83M	52.02M	50.33M
Book Value Per Share	0.62	0.63	0.62	0.59	0.59
Tangible Book Value	233.35M	235.54M	231.23M	219.47M	216.86M
Tangible Book Value Per Share	0.48	0.49	0.48	0.45	0.45
Filing Date Shares Outstanding	483.02M	483.02M	483.02M	483.02M	483.02M
Total Common Shares Outstanding	483.02M	483.02M	483.02M	483.02M	483.02M
Supplemental
Total Liabilities Insurance	2.88B	2.83B	2.87B	2.83B	2.97B

Income Statement Balance Sheet Cash Flow Ratios

Annual Quarterly

Quarterly (AED)

1-5

	Q4 2025Dec 31, 2025	Q3 2025Sep 30, 2025	Q2 2025Jun 30, 2025	Q1 2025Mar 31, 2025	Q4 2024Dec 31, 2024
Assets
Cash & Equivalents	195.41M	158.92M	179.80M	136.13M	150.43M
Total Assets	3.24B	3.19B	3.22B	3.16B	3.31B
Investment Securities	31.31M	39.26M	27.00M	73.96M	28.46M
Reinsurance Recoverable	437.12M	396.90M	409.82M	414.83M	470.86M
Liabilities
Total Liabilities	2.88B	2.83B	2.87B	2.83B	2.97B
Insurance Liabilities	2.56B	2.09B	2.08B	2.10B	2.67B
Unearned Premiums	—	—	—	—	—
Unpaid Claims	—	457.73M	486.40M	445.82M	—
Equity & Ownership
Total Equity	360.02M	359.32M	351.84M	338.45M	334.38M
Shares Outstanding	483,021,000	483,023,543	483,023,543	483,023,543	483,023,543
Cash & Assets
Total Assets	3.24B	3.19B	3.22B	3.16B	3.31B
Cash & Equivalents	195.41M	158.92M	179.80M	136.13M	150.43M
Net Cash (Debt)	189.41M	153.77M	174.56M	130.03M	144.22M
Net Cash Per Share	0.39	0.32	0.36	0.27	0.30
Net Cash Growth	+31.3%	+36.2%	+29.7%	+11.8%	+2.2%
Other Receivables Insurance	25.83M	32.02M	27.74M	24.83M	34.83M
Restricted Cash	314.23M	292.50M	310.78M	305.96M	298.84M
Construction In Progress	1.58M	—	—	—	0.44M
Land	11.24M	—	—	—	10.74M
Buildings	33.59M	—	—	—	32.05M
Machinery	27.69M	—	—	—	26.16M
Property, Plant & Equipment	53.38M	52.37M	52.30M	52.62M	53.25M
Goodwill	65.63M	—	—	—	65.63M
Other Intangibles Insurance	1.05M	66.70M	66.78M	66.96M	1.56M
Other Current Assets Insurance	0.77M	0.79M	0.77M	0.75M	0.75M
Other Long Term Assets Insurance	208.30M	191.38M	162.01M	118.46M	169.96M
Long-Term Deferred Tax Assets	7.72M	5.46M	5.41M	5.27M	5.17M
Separate Account Assets	1.78B	1.82B	1.84B	1.85B	1.92B
Long-Term Leases	3.89M	5.15M	5.24M	6.10M	4.01M
Current Portion of Leases	2.12M	—	—	—	2.19M
Long-Term Deferred Charges	—	—	—	—	—
Loans & Investments
Investment Debt Securities	31.31M	39.26M	27.00M	73.96M	28.46M
Investment Equity Preferred	40.53M	38.01M	36.20M	37.69M	36.84M
Other Investments	15.22M	46.11M	49.20M	24.99M	20.99M
Reinsurance Recoverable	437.12M	396.90M	409.82M	414.83M	470.86M
Total Investments	0.15B	0.18B	0.17B	0.19B	0.14B
Liabilities & Obligations
Total Liabilities & Equity	3.24B	3.19B	3.22B	3.16B	3.31B
Accounts Payable Insurance	90.47M	—	—	—	68.77M
Accrued Expenses	32.19M	—	—	—	26.34M
Current Income Taxes Payable	23.47M	—	—	—	22.23M
Other Current Liabilities Insurance	57.98M	—	—	—	51.43M
Other Long Term Liabilities Insurance	—	172.72M	173.17M	150.50M	—
Reinsurance Payable	101.71M	108.65M	122.60M	122.23M	122.09M
Separate Account Liability	—	—	—	—	—
Unearned Premiums	—	—	—	—	—
Unpaid Claims	—	457.73M	486.40M	445.82M	—
Insurance Annuity Liabilities	2.56B	2.09B	2.08B	2.10B	2.67B
Deffered Tax Liabilities Insurance	0.24M	—	—	—	4.09M
Debt & Funding
Short-Term Debt	—	—	—	—	—
Total Debt	6.01M	5.15M	5.24M	6.10M	6.20M
Equity & Book Value
Shareholders' Equity	360.02M	359.32M	351.84M	338.45M	334.38M
Total Common Equity	300.04M	302.23M	298.01M	286.43M	284.05M
Common Stock	0.48B	0.94B	0.94B	0.94B	0.94B
Retained Earnings	-9.42M	-427.53M	-428.33M	-433.32M	-432.35M
Treasury Stock	—	-35.97M	-35.97M	-35.97M	-35.97M
Comprehensive Income & Other	-173.57M	-173.86M	-177.28M	-183.86M	-187.22M
Minority Interest	59.99M	57.08M	53.83M	52.02M	50.33M
Book Value Per Share	0.62	0.63	0.62	0.59	0.59
Tangible Book Value	233.35M	235.54M	231.23M	219.47M	216.86M
Tangible Book Value Per Share	0.48	0.49	0.48	0.45	0.45
Filing Date Shares Outstanding	483.02M	483.02M	483.02M	483.02M	483.02M
Total Common Shares Outstanding	483.02M	483.02M	483.02M	483.02M	483.02M
Supplemental
Total Liabilities Insurance	2.88B	2.83B	2.87B	2.83B	2.97B