Abu Dhabi National Insurance Company · ADX:ADNIC
Abu Dhabi National Insurance — Investor Presentation (March 2026)
14 slides from Abu Dhabi National Insurance's investor presentation, March 2026
Slide 1: Investor presentation March 2026
Your Reliable Insurer Investor presentation March 2026 PRESENTED BY ABU DHABI NATIONAL INSURANCE COMPANY P.J.S.C
Slide 2: A leading regional multi-line insurance provider for corporates, SME and individuals
A leading regional multi-line insurance provider for corporates, SME and individuals 2
Slide 3: Disclaimer and Forward-Looking Statements
D I S C L A I M E R A N D F O R WA R D - L O O K I N G S TAT E M E N T S Disclaimer: This presentation provides general background information on ADNIC's current activities but is not comprehensive and should not be relied upon as investment advice. The information may not be suitable for every inve
Slide 4: Looking back
QADNIC Looking back
Slide 5: ADNIC at a Glance
A D N I C AT A G L A N C E As a leading insurer in the UAE, we are committed to creating long term value for all our stakeholders while delivering sustainable shareholder returns. Comparison of ADNIC’s share MARKET LEADER TRUSTED PARTNER performance with the FTSE ADX Financials index (FADFSI) during
Slide 6: Sustained growth across core business lines in 2025
SUSTAINED GROWTH ACROSS CORE BUSINESS LINES IN 2025 EXCEPTIONAL TRANSFORMATIVE UAE OPERATIONAL Region PERFORMANCE EXPANSION EXCELLENCE Highest ever total insurance Expanded UAE Trade Credit Leveraging AI to enhance fraud revenue of AED 8.3 billion, up 15% Insurance solutions in detection, automate p
Slide 7: Industry Benchmarking
I N D U S T RY B E N C H M A R K I N G AED Million We continue to grow underwriting and investment income, maintaining a healthy split between the two. 8
Slide 8: FY 2025 Key Financial Highlights
FY 2025 KEY FINANCIAL HIGHLIGHTS Gross Written Premiums 8,619 +15.6% ADNIC Mutakamela General & Net investment Profit after tax AED Mn YoY underwriting underwriting administrative income expenses Net Written Premium 3,648 27.8% AED Mn YoY Net Insurance Service Result Income (loss) 495 10.2% AED Mn Y
Slide 9: Strong Investment Performance
STRONG INVESTMENT PERFORMANCE Investment Income through AED 6,411 Profit and Loss Account (AED million) million +8.9% • Increase in investment income driven by change in asset allocation and higher rates. • Strong trading gains in the investment book. • Occupancy in investment properties remains rob
Slide 10: A Strong Financial Track Record
A STRONG FINANCIAL TRACK RECORD Growth written premiums Net written premium (AED million) (AED million) CAGR CAGR 16.8% 15.4% Investment income Underwriting profit (AED million) (AED million) CAGR CAGR 17.5% 7.8% 2018 2019 2020 2021 2022 2023 2024 2025 CAGR NET PROFIT (AED million) 236 284 371 402 3
Slide 11: Capital Management and Dividend Policy
C A P I TA L M A N A G E M E N T A N D D I V I D E N D P O L I C Y Solvency ratio Dividend payout ratio 250% Maximum appetite * Subject to AGM approval 228% 200% DPS * Subject to Target level AGM approval 150% Minimum level Dividend policy subject to sustainable CB Dividend payout subject to maintai
Slide 12: Our Partnerships and Sustainable Impact
OUR PARTNERSHIPS AND SUSTAINABLE IMPACT Strategic global partnership ADNIC formed a long-term strategic partnership with Allianz Trade to expand Trade Credit Insurance solutions in the UAE, helping businesses mitigate risk, safeguard cash flow, and grow confidently in local and international markets
Slide 13: Our People, Awards and Initiatives
OUR PEOPLE, AWARDS AND INITIATIVES Emiratisation rate reached 44.9% in 2025, representing a 3.2% increase compared to 2024. Mawhoob and Emkanati programmes continue to attract and develop UAE national talent. First-Place and Gold Category Awards at the Nafis Awards; General Insurance Company of the
Slide 14: Thank you
Your Reliable Insurer Thank you investorrelations@adnic.ae
Abu Dhabi National Insurance Company — Investor Presentation (March 2026) on 6ix