Expanding growth horizon
2016A N N U A L R E P O R T
www.takaful.bhTa ka


.: 140


©

: 6444 4491 974+ : 6445 4491 974+
∑ICG
© No part of the document text or image - may be reproduced or transmitted in any form or by any means in part or whole without the written consent of Takaful International, Bahrain. Anyone carrying out any unauthorised act in relation to the document may be liable to prosecution and civil claims for damages
Takaful International Co.B.S.C.
Registered office Building No 680, Road No 2811 Seef District 428 Kingdom of Bahrain Postal address PO Box 3230 Manama Kingdom of Bahrain
Telephone number 17565656 Fax number 17582688 E-mail address takaful@takafulweb.com Web site www.takaful.bh
Takaful Centers
Seef District Tel.: +973 17 565 617 Fax.: +973 17 582 886
Muharraq Tel.: +973 17 565 400 Fax.: +973 17 677 321
Salmabad Tel.: +973 17 565 414 Fax.: +973 17 877 287
Hamala Tel.: +973 17 565 447 Fax.: +973 17 005 428
Jerdab Tel.: +973 17 565 444 Fax.: +973 17 484 390
Qatar Branch
P.O. Box: 31240 Doha, Qatar Tel.: +974 4491 6444 Fax.: +974 4491 6445
Primary Bankers Bahrain Islamic Bank Al Salam Bank Kuwait Finance House Bank of Bahrain and Kuwait Ahli United Bank
Auditors Ernst & Young 10th Floor East Tower, Bahrain World Trade Center PO Box 140 Manama Kingdom of Bahrain
Listing Bahrain Bourse Actuary Family Takaful ∑ICG Actuaries & Management Consultants Ltd. 70, Omirou, Nea Smyrni, 17121, Athens, Greece General Takaful Abdul Rahim Abdul Wahab, Pakistan Registrars Bahrain Bourse, PO Box 3203, Manama Kingdom of Bahrain

: 617 565 17 973+ : 886 582 17 973+ : 400 565 17 973+ : 321 677 17 973+ : 414 565 17 973+ : 287 877 17 973+ : 447 565 17 973+ : 428 005 17 973+ : 444 565 17 973+ : 390 484 17 973+

70 17121 -

.: 3203
His Royal Highness Prince Salman bin Hamad Al Khalifa Crown Prince, Deputy Supreme Commander and First Deputy Prime Minister
His Majesty King Hamad bin Isa Al Khalifa King of the Kingdom of Bahrain
His Royal Highness Prince Khalifa bin Salman Al Khalifa Prime Minister
T A K A F U L I N T E R N A T I O N A L C O M P A N Y B . S . C
4
Our Story 5
Chief Executive's Report 20
Corporate Governance Report 26
Independent Auditor's Report 36
Consolidated Financial Statements for the Year 2016 Consolidated Statement of Financial Position 38
Consolidated Statement of Profit or Loss 40
Consolidated Statement of Changes in Shareholders' Equity 41
Consolidated Statement of Changes in Participants’ Fund 42
Consolidated Statement of Cash Flows 43
Notes to the Consolidated Financial Statements 44
A N N U A L R E P O R T 2 0 1 6
www.takaful.bh 5
Our Story
One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain. Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products. Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry. The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and
One of the pioneering Islamic insurance companies in the Middle East and the first of
its kind in Bahrain, Takaful International Company was established in 1989,
offering quality Sharia’a compliant insurance solutions.
In 1998, Takaful was relaunched, reflecting the ambition to expand its business
operations within and beyond Bahrain.
Takaful provides a wide range of insurance solutions for personal and corporate
clients under Motor Takaful (Sayaratak), Family Takaful & Healthcare and General Takaful.
Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and
faster, Takaful introduced eTakaful to offer insurance services online and Takaful
Hotline. The Company is on a continuous endeavour to attain excellence in customer
satisfaction and the latest innovation towards it is Smart Takaful, the mobile
application that offers comprehensive insurance services for its valued customers. With these quality products and services, Takaful is always leading the
way fuelled by unparalleled excellence.
Leading the way with excellence
6
T A K A F U L I N T E R N A T I O N A L C O M P A N Y B . S . C
The land of infinite opportunities The Kingdom of Bahrain embodies the great and renowned Arabian culture. The nation absorbs the riches of this tradition to evolve into a distinctive identity and grow as the financial hub of the region that opens up opportunities like never before.
Takaful’s core vision reflects the long- established values of this land. The path towards responsible leadership is lit up by these guiding principles and it inspires Takaful to emerge as the foremost Sharia’a compliant insurance solutions provider. This nurturing relationship with the tradition drives Takaful forward in delivering comprehensive security to its valued customers.
A N N U A L R E P O R T 2 0 1 6
www.takaful.bh 7
Home of a million palm trees - Bahrain’s legendary traditions of pride
DEEP-ROOTED in a great tradition
8
T A K A F U L I N T E R N A T I O N A L C O M P A N Y B . S . C
1 2 3 4 5
1. Jamal Ali Al Hazeem Chairman
2. Khalil Ebrahim Nooruddin Vice Chairman
3. Khaled Soud Al Hasan Board Member
4. AbdulRahman Abdulla Mohammed Board Member
5. Ebrahim Mohamed Sharif Al Rayes Board Member
One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality ’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful. Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a
Board of Directors
A N N U A L R E P O R T 2 0 1 6
www.takaful.bh 9
8. Ahmed AbdulRahman Bucheeri Board Member
9. Khalid Jamal Al Muzaire Board Member
10. Abdulla Rabea Mohamed Rabea Board Member
6 7 8 9 10
One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand its business operations within and beyond Bahrain.Takaful got listed in the Bahrain Stock Exchange and became a member of the Bahrain Chamber of Commerce and Industry.The Sharia’a Supervisory Committee of Takaful International has approved the products of Takaful International as Sharia’a compliant. The products also follow the rulings of other Islamic Fiqh Councils that approve Islamic mutual and co-operative insurance products.Takaful provides a wide range of insurance solutions for personal and corporate clients under Motor Takaful (Sayartak), Family Takaful & Healthcare and General Takaful.Takaful fulfils its commitment to reaching out to more customers with a wide network of branches all over Bahrain. In order to make transactions easier and faster, Takaful introduced eTakaful to offer insurance services online and Takaful Hotline. The Company is on a continuous endeavour to attain excellence in customer satisfaction and the latest innovation towards it is Smart Takaful, the mobile application that offers comprehensive insurance services for its valued customers. One of the pioneering Islamic insurance companies in the Middle East and the first of its kind in Bahrain, Takaful International Company was established in 1989, offering quality Sharia’a compliant insurance solutions. In 1998, Takaful was relaunched, reflecting the ambition to expand it