Damaan Islamic Insurance Company (beema) · QSE:BEMA
Damaan Islamic Insurance Company (beema) — Q2 2025 Earnings Presentation
13 slides from Damaan Islamic Insurance Company (beema)'s earnings presentation, July 2025
Slide 1: Year-to-Date Q2 2025 Financial Results Presentation
Damaan Islamic Insurance Company – Beema (Q.P.S.C.) Year-to-Date Q2 2025 Financial Results Presentation
Slide 2: Year-to-Date (YTD) Q2 2025 key financial performance highlights
Year-to-Date (YTD) Q2 2025 key financial performance highlights • New AAOIFI Standard FAS 43 in relation to Takaful & Re-takaful arrangements implemented w.e.f. 01Jan2025 • Significant increase in Recognised Takaful Contributions and Shareholders Net Profit Recognised Takaful Shareholders’ Total net
Slide 3: Beema at a glance
Beema at a glance One of Qatar’s largest and most innovative providers of Takaful insurance Who we are 1 Sector leader in Qatar 2 Shari’a-compliant business model 3 Listed on the QSE Main Market ▪ Islamic insurance company established in ▪ Wakala / Mudarib Takaful model 2009 with a share capital of
Slide 4: Beema's key investment highlights
Beema’s key investment highlights Strong operational and financial performance – well positioned to capitalize on the increasing demand in Islamic insurance solutions and growth opportunities in Qatar and the region Leading position within the Islamic insurance sector 1 Beema has been one of the lar
Slide 5: Comprehensive service offerings
Comprehensive service offerings Wide variety of insurance coverage distributed through multiple, innovative channels Takaful insurance key features Takaful & Health Motor, Marine & Aviation 27% Motor Aviation Pleasure Crafts Group Credit Life Group Medical Car Travel Marine Loan non-repayment Health
Slide 6: Overview of FAS 43 compliant Takaful Contributions & Gross Margin
Overview of FAS 43 compliant Takaful Contributions & Gross Margin 28.1% YoY growth in Recognised Takaful Contributions reaching QAR 257 Mill in YTD Q2 2025, coupled with strengthened net underwriting results Recognised Takaful Contributions (QAR Mill) YTD Q2 2025 – YoY changes: 300 257 300 +11% 8 25
Slide 7: Shareholders' income & net profit
Shareholders’ income & net profit 26% YoY increase in total shareholders’ income coupled with a net profit increase of 30% YoY to reach QAR 53 Mill Total income to shareholders (QAR Mill) 9% 1% 9% 10% 1% 11% Wakala fees +22% + 26% YoY Net income from YTD Q2 2024 YTD Q2 2025 shareholders’ +47% QAR 71
Slide 8: Investment performance
Investment performance 52% YoY increase in net investment income to QAR 23 Mill in YTD Q2 2025 Net investment income & investments held at fair value (QAR Mill) Investments at fair value Total Total Total Total 46% 46% 45% 44% QAR QAR QAR QAR 54% 54% 55% 56% 852 mm 788 mm 756 mm 892 mm Incl. leverag
Slide 9: Capital structure
Capital structure Beema maintained a strong capital structure, remaining debt-free as of YTD Q2 2025 Policyholders’ and Shareholder’s equity (QAR Mill) 720 Shareholders’ +12% 627 equity Policyholders’ +26% equity 574 512 20% 80% 115 146 YTD Q2 2024 YTD Q2 2025 Policyholders' equity Shareholders' equ
Slide 10: Key ratios and capital adequacy
Key ratios and capital adequacy Stable takaful costs to contribution, coupled with growing takaful gross margin and declining re-takaful cost to takaful contribution in YTD Q2 2025. Healthy solvency maintained Key performance ratios (as a proportion to recognized Takaful Capital requirements & solve
Slide 11: Beema historical financial performance details
Beema historical financial performance details Key financial information highlights Selected Income and Cash Flow Statement Items (QAR Mill) Selected Balance Sheet Items (QAR Mill) For the year 6 months ended 30 June As at 30 As at 31 2025 2024 June December Policyholder’s Income Statement 2025 2024
Slide 12: Beema listing and shareholding information
Beema listing and shareholding information Beema’s shares began trading on the Qatar Stock Exchange on 16 January 2023 General information Shareholding structure Damaan Islamic Insurance Company Barwa Real Estate Company Company name "Beema" 15% 25% Qatar Islamic Bank QSE Ticker BEMA Qatar Insurance
Slide 13: Important Information
Important Information This presentation has been prepared by Damaan Islamic Insurance Company “Beema” (Q.P.S.C.) (the “Company”) for informational purposes only. This presentation does not constitute an offer or invitation or solicitation of any offer to subscribe for or purchase any shares or other
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