WHAT WE DO
Insurance Services
Employee Benefits
Financial Advisory
Banking & Financial
ESG & Sustainability
Financial Reporting
Capital, Solvency & Risk
Investment & Asset Management
Corporate Advisory
Data & Technology
Phone:
+971 4 876 8530Email:
[email protected]
Regulatory capital, economic capital modelling, ORSA, stress testing, and risk appetite frameworks for insurers and financial institutions.
Discuss your requirementsInsurance regulators across the GCC and Africa are raising solvency standards. Minimum capital requirements are tightening, ORSA requirements are expanding, and boards are under pressure to demonstrate that capital allocation reflects the risks the business actually faces.
We help insurers and financial institutions quantify their capital needs, test solvency under stress, and build risk frameworks that inform capital allocation, strategic planning, and regulatory submissions.
Regulatory capital requirements define the minimum capital an insurer or financial institution must hold. We calculate and report regulatory capital under local solvency regimes across the GCC and Africa, and support readiness for evolving risk-based capital frameworks.
Economic capital goes beyond regulatory minimums to quantify the capital an organisation actually needs to absorb losses at a chosen confidence level. We build internal capital models that capture insurance, market, credit, and operational risks.
The Own Risk and Solvency Assessment (ORSA) requires insurers to evaluate their overall solvency needs in relation to their risk profile. We produce ORSA reports that regulators accept and boards can use for decision-making.
Stress testing examines how adverse scenarios — natural catastrophes, market crashes, pandemic events, regulatory changes — affect solvency and profitability. We design and run stress and scenario tests that meet both regulatory requirements and board governance needs.
A risk appetite framework defines the level and types of risk an organisation is willing to accept in pursuit of its strategy. We help boards articulate risk appetite in quantitative terms and build monitoring dashboards that connect risk limits to operational decisions.
Regulatory capital is the minimum a regulator requires you to hold. Economic capital is the amount you actually need to absorb losses at a chosen confidence level. Economic capital usually exceeds regulatory capital because it captures risks the regulatory formula may underweight.
Own Risk and Solvency Assessment — a requirement for insurers to evaluate their overall solvency needs in relation to their specific risk profile, business strategy, and risk appetite. It goes beyond the regulatory minimum to assess actual capital adequacy.
Stress testing reveals vulnerabilities that normal conditions hide. It shows the board and regulator how the business performs under extreme but plausible scenarios, and whether the capital buffer is sufficient to absorb those shocks.
Reserving, pricing, product design, reinsurance, and appointed actuary services for life, general, health, and Takaful insurers across the Middle East & Africa.
IFRS S1 and S2 sustainability disclosures, climate risk modelling, carbon accounting, and ESG integration for insurers and corporates.
Asset-liability management, strategic asset allocation, liability-driven investment, manager selection, and insurance investment strategy.
Our actuaries build capital models, ORSA reports, and stress testing programmes that satisfy regulators and inform board decisions.
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