UAECoverage: Q1 2023 to Q2 2026
UAE Listed Insurance Market Intelligence
Comparative financial and market analysis of listed UAE insurers based on publicly available disclosures.
Open UAE DashboardActuarial & Risk Insights
Technical perspectives, regulatory updates, quantitative analysis, and interactive market intelligence from the ERMS advisory team.
Market Dashboards
Interactive insurance market intelligence
Explore comparative financial performance and market trends using publicly available company disclosures.
OmanCoverage: FY 2023 to Q2 2026
Oman Listed Insurance Market Intelligence
Comparative financial and market analysis of selected listed Omani insurers based on publicly available disclosures.
Open Oman DashboardEnterprise Risk & RegulatoryOctober 14, 2026
Connecting Underwriting Decisions to Capital and Solvency
A profitable underwriting opportunity is not necessarily a capital-efficient one. This insight explores how insurers can assess the impact of business growth, claims experience, and reinsurance decisions on capital requirements and solvency, bringing risk management directly into commercial decision-making
Read Article →Enterprise Risk & RegulatoryAugust 4, 2026
When Does Stress Testing Become Strategic?
Stress testing becomes strategic when it moves beyond regulatory compliance and starts shaping capital, reinsurance, investment and underwriting decisions. The goal is not maximum protection, but the right balance between resilience, cost and competitiveness.
Read Article →Enterprise Risk & RegulatoryJuly 12, 2026
Climate Risk in Insurance: The Real Challenge Is Not Identifying the Risk
Climate risk becomes useful only when it moves beyond policies and disclosures and becomes embedded in underwriting, claims, reinsurance, investments, capital, solvency and Board decision-making.
Read Article →Financial Reporting & IFRSJuly 12, 2026
Has IFRS 17 Improved Comparability? Yes. But the Journey Is Not Over
IFRS 17 has improved comparability, particularly by creating a more consistent basis for insurance revenue. But differences in presentation, disclosure and professional judgement mean that meaningful comparison still requires careful interpretation
Read Article →Capital & Balance SheetJune 27, 2026
IBNR: The Science of Predicting the Past
IBNR is often described as a technical reserve calculation, but its underlying concept is far more interesting. This article explores why claims reserving is, in many ways, the science of predicting the past, and how historical development, actuarial judgement and back-testing help estimate liabilities arising from events that have already occurred
Read Article →Enterprise Risk & RegulatoryJune 18, 2026
Oman Listed Insurance Market Intelligence Dashboard
An interactive ERMS dashboard tracking selected listed Omani insurers using publicly available financial disclosures, with a focus on revenue scale, profitability, capital position, company movement, and basis-controlled market intelligence.
Read Article →Enterprise Risk & RegulatoryJune 16, 2026
AI Risk Management in Insurance: Controlled Adoption, Not Paralysis
Artificial intelligence creates risk both when insurers use it without control and when they avoid it completely. The winning position is controlled adoption: using AI where it creates value, governing it where it creates risk, and keeping accountability clear
Read Article →Quantitative InfrastructureJune 13, 2026
AI in Actuarial Work: Speed Is the Opportunity, Control Is the Condition
AI is making actuarial work faster, but speed alone is not the objective. The real opportunity is controlled acceleration: using AI to support investigation, documentation, review, and decision-making while preserving actuarial judgment, governance, and reliability. The strongest actuarial teams will not simply automate faster; they will build faster processes that remain explainable, controlled, and trusted
Read Article →Healthcare AdvisoryMay 30, 2026
When Medical Inflation Is Not the Whole Story
Medical inflation remains a major challenge, but it is rarely the entire story. Advanced analytical approaches can help insurers uncover the underlying drivers of portfolio performance and support better decision-making.
Read Article →Financial Reporting & IFRSMay 25, 2026
The PAA LRC issue is often a data issue, not a theory issue.
The PAA LRC issue is often less about theory and more about data, system design and close-process evidence. IFRS 4-style balances such as UPR, DAC and premium receivables may help reconcile the result, but they do not replace a controlled IFRS 17 PAA roll-forward by group and cohort
Read Article →Financial Reporting & IFRSMay 20, 2026
IAS 19 End-of-Service Benefits: Why the Accounting Liability Is Not the Same as Legal Gratuity
Many companies expect the IAS 19 liability to match their legal gratuity calculation. In practice, they often differ. This article explains why, and what finance teams should understand about salary growth, discounting, expected exits, and actuarial valuation under IAS 19
Read Article →Financial Reporting & IFRSMay 11, 2026
IAS 19 End-of-Service Benefits: The Quiet Impact of Discount Rate Movements
IAS 19 end-of-service benefit obligations can move materially when discount rates change. This article explains why discount rate governance matters across GCC and MENA markets, how the liability is affected, and what finance teams should review before year-end or interim reporting
Read Article →Financial Reporting & IFRSApril 12, 2026
What IFRS 17 Readiness Really Means
IFRS 17 readiness is not about producing numbers, but about whether those numbers are shaping how the business is managed
Read Article →Financial Reporting & IFRSMarch 27, 2026
Discount-Rate Risk in P&C Reserves
How IFRS 17 introduced a financial-market dimension to P&C reserving in MENA, making reserve movements increasingly sensitive to discount-rate changes rather than only underwriting or claims experience.
Read Article →Financial Reporting & IFRSDecember 13, 2025
تحديات الحوكمة في تطبيق المعيار المحاسبي الدولي رقم ١٧
Arabic article exploring how IFRS 17 implementation challenges increasingly stem not from producing numbers, but from governance weaknesses, limited transparency, and the erosion of institutional understanding behind reported results.
Read Article →Enterprise Risk & RegulatoryNovember 19, 2025
The Quiet Gap Between Technical Work and Strategic Impact in MENA
Why technically sound actuarial work in MENA often remains underused in management decisions, and what organizations can do to close the gap between compliance output and strategic impact.
Read Article →Financial Reporting & IFRSNovember 17, 2025
The Quiet Fragility Some PAA Environments Are Beginning to Show
As IFRS 17 environments mature, some PAA setups are revealing a quiet dependence on IFRS 4 operational logic, actuarial overlays, and external judgment rather than fully embedded measurement rationale.
Read Article →Financial Reporting & IFRSNovember 7, 2025
The Governance Blind Spot in IFRS 17 Implementation
Why IFRS 17 compliance can weaken when technology, outsourcing, or internal models are not supported by clear governance, reproducibility, and management ownership.
Read Article →