SALAMA fundamentals.
▸ Extracted from the filings themselves — every figure links to the exact page it came from. Latest validated period: 2025-12-31.
Balance sheet
as of 2025-12-31| cash | AED 193,761,000 | p.14 |
| Goodwill and intangibles | AED 66,687,000 | p.14 |
| Property and equipment | AED 47,469,000 | p.14 |
| Investment properties | AED 53,656,000 | p.14 |
| Right-of-use assets | AED 5,915,000 | p.14 |
| Investment in associate | AED 39,231,000 | p.14 |
| Statutory deposits | AED 314,228,000 | p.14 |
| Investments | AED 263,479,000 | p.14 |
| Participants’ investments in unit-linked contracts | AED 1,780,279,000 | p.14 |
| Deposits with takaful and retakaful companies | AED 773,000 | p.14 |
| Retakaful contract assets | AED 437,121,000 | p.14 |
| Other assets and receivables | AED 33,543,000 | p.14 |
| total_assets | AED 3,236,142,000 | p.14 |
| Family takaful reserve | AED 80,986,000 | p.14 |
| Takaful contract liabilities | AED 2,478,886,000 | p.14 |
| Retakaful contract liabilities | AED 101,165,000 | p.14 |
| Other payables and accruals | AED 209,075,000 | p.14 |
| Lease liabilities | AED 6,006,000 | p.14 |
| total_liabilities | AED 2,876,118,000 | p.14 |
| Share capital | AED 483,021,000 | p.14 |
| Statutory reserve | AED 401,000 | p.14 |
| Other reserves | AED -164,569,000 | p.14 |
| Accumulated losses | AED -18,818,000 | p.14 |
| Equity attributable to Owners of the Company | AED 300,035,000 | p.14 |
| Non-controlling interest | AED 59,989,000 | p.14 |
| total_equity | AED 360,024,000 | p.14 |
| total_liabilities_and_equity | AED 3,236,142,000 | p.14 |
Cash flow
as of 2025-12-31| Net profit before tax | AED 16,780,000 | p.19 |
| Depreciation on property and equipment | AED 3,215,000 | p.19 |
| Depreciation on right of use assets | AED 1,840,000 | p.19 |
| Amortisation of intangible assets | AED 704,000 | p.19 |
| Finance Cost | AED 305,000 | p.19 |
| Share of profit from associate | AED -3,159,000 | p.19 |
| Unrealised (gain)/ loss on investment | AED -866,000 | p.19 |
| Unrealised gain on investment properties | AED -2,925,000 | p.19 |
| (Reversal of)/ charge for expected credit losses | AED -28,761,000 | p.19 |
| Impairment on takaful receivables | AED 3,551,000 | p.19 |
| Operating cash flows before changes in operating assets and liabilities | AED -9,316,000 | p.19 |
| Decrease in deposits with takaful and retakaful companies | AED -25,000 | p.19 |
| Change in retakaful contract assets | AED 33,739,000 | p.19 |
| Changes in takaful contract liabilities | AED -116,530,000 | p.19 |
| Change in retakaful contract liabilities | AED -20,379,000 | p.19 |
| Change in other assets and receivables | AED 6,453,000 | p.19 |
| Change in family reserves | AED 9,140,000 | p.19 |
| Change in other payables | AED 30,562,000 | p.19 |
| Income tax paid | AED -7,323,000 | p.19 |
| Net foreign exchange difference | AED 15,850,000 | p.19 |
| ocf | AED -57,829,000 | p.19 |
| capex | AED -1,817,000 | p.19 |
| Purchase of intangible assets - net | AED -197,000 | p.19 |
| Net movement in statutory deposits | AED -15,387,000 | p.19 |
| Repayment of principal and profit on lease liability | AED -1,487,000 | p.19 |
| Dividend income from associate | AED 1,693,000 | p.19 |
| Change in Investments - net | AED -17,427,000 | p.19 |
| Net movement in Participants' investments in unit-linked contracts | AED 139,558,000 | p.19 |
| Change in term deposits under lien | AED -17,503,000 | p.19 |
| Cash generated from investing activities | AED 87,433,000 | p.19 |
| Net movement in non-controlling interest | AED -443,000 | p.19 |
| Board of Director’s remuneration | AED -1,676,000 | p.19 |
| Cash used in financing activities | AED -2,119,000 | p.19 |
| NET INCREASE IN CASH AND CASH EQUIVALENTS | AED 27,485,000 | p.19 |
| Cash and cash equivalents at 1 January | AED 135,730,000 | p.19 |
| CASH AND CASH EQUIVALENTS AT THE END OF THE YEAR (NOTE 17) | AED 163,215,000 | p.19 |
Income statement
as of 2025-12-31| net_income | AED 11,197,000 | p.16 |
| net_income | AED 11,197,000 | p.15 |
| revenue | AED 1,004,990,000 | p.15 |
| Takaful service expenses | AED -917,834,000 | p.15 |
| Net expenses from retakaful contracts held | AED -86,786,000 | p.15 |
| TAKAFUL SERVICE RESULT | AED 370,000 | p.15 |
| Policyholders’ investment income | AED 144,277,000 | p.15 |
| Shareholders’ investment income | AED 51,301,000 | p.15 |
| NET INVESTMENT RESULT | AED 195,578,000 | p.15 |
| Takaful finance expense for takaful contracts issued | AED -163,744,000 | p.15 |
| Retakaful finance income for retakaful contracts held | AED 12,845,000 | p.15 |
| NET TAKAFUL FINANCE EXPENSE | AED -150,899,000 | p.15 |
| NET TAKAFUL AND INVESTMENT RESULT | AED 45,049,000 | p.15 |
| Other operating income | AED 11,732,000 | p.15 |
| Other operating expenses | AED -68,762,000 | p.15 |
| Reversal of / (provision for) expected credit losses | AED 28,761,000 | p.15 |
| PROFIT BEFORE TAX | AED 16,780,000 | p.15 |
| Income tax expense | AED -5,583,000 | p.15 |
| Shareholders | AED 4,014,000 | p.15 |
| Non-controlling interests | AED 7,183,000 | p.15 |
| Basic and diluted earnings per share (AED) | AED 5 | p.15 |
| Net change in foreign exchange translation reserve | AED 15,850,000 | p.16 |
| Share of other comprehensive income/ (loss) of associate | AED 1,880,000 | p.16 |
| Net changes in fair value of investments at FVOCI | AED -1,164,000 | p.16 |
| TOTAL OTHER COMPREHENSIVE INCOME/ (LOSS) | AED 16,566,000 | p.16 |
| TOTAL COMPREHENSIVE INCOME/ (LOSS) FOR THE YEAR | AED 27,763,000 | p.16 |
| Shareholders | AED 17,663,000 | p.16 |
| Non-controlling interest | AED 10,100,000 | p.16 |
| Total comprehensive income/ (loss) attributable to | AED 27,763,000 | p.16 |