With you from A to Z

Allianz Saudi Fransi Cooperative Insurance Company

Corporate Brochure

PROTECTION | PROVISION

Riyadh Head Office P.O.Box 3540 Riyadh 11481 Phone + 966 1 874 9700Fax + 966 1 874 9799

Jeddah Regional Branch P.O. Box 122901 Jeddah 21332Phone + 966 2 283 0229Fax + 966 2 283 2589

Jeddah Branch P.O. Box 12148 Jeddah 21473Phone + 966 2 667 8123 Fax + 966 2 663 2576

Al Dammam Regional BranchP.O.Box 661 Dammam 31432Phone + 966 3 831 5600 Fax + 966 3 831 5608

Al Khobar Branch P.O.Box 32311 Khobar 31952 Phone + 966 3 867 9454 Fax + 966 3 867 8441

Al Madinah Branch P.O.Box 12148 Jeddah 21473 Phone + 966 4 834 0627Fax + 966 4 834 3788 Al Hasa BranchP.O.Box 3996 Hasa 31982Phone + 966 3 582 4521Fax + 966 3 582 8118

www.allianzsf.com

VN30

1201

2

2 Chairman,s Word

3 CEO,s Statement

4 Vision & Mission

5 Allianz Saudi Fransi Cooperative Insurance Company

6 Allianz Group

7 Banque Saudi Fransi 8 Corporate Solutions

13 Protection & Savings Individual Solutions

16 Property, Casualty & Health Individual Solutions

18 Our Major Customers

19 Distribution Network

Contents

1

Ladies and Gentlemen,

Welcome to Allianz Saudi Fransi Cooperative Insurance Company, the result of a joint venture between Allianz Group, one of today’s leading global financial services providers and Banque Saudi Fransi, a prominent financial institution in Saudi Arabia affiliated with Credit Agricole Corporate and Investment Bank, a fully-fledged member of the Crédit Agricole Group, the second largest bank in France, and seventh amongst banks of the Euroland by total equity.

As a member of the worldwide Allianz Group, Allianz Saudi Fransi brings with it a wealth of experience in the provision of advanced insurance solutions from A to Z.

The ability to leverage our global knowledge, complemented by the local insight of BSF, is a unique strength, which we are able to translate locally for the benefit of our customers.

Allianz Saudi Fransi is a dynamic driver of the market, creating and refining products and distribution vehicles in line with the growing market sophistication now evident in the Kingdom of Saudi Arabia.

Our Corporate Brochure offers you an overview of our partners, activities, products and solutions. We provide customers with high quality products and solutions to meet their evolving needs, by offering value for money proposition backed with first class security.

We are fully committed to ensuring customer satisfaction and sustainable development within the Saudi Insurance market. Hence, we invest strongly in our new recruits, who receive on-going training from our in-house team of professionals with a strong focus on Customer Service and Customer Satisfaction.

Chariman,s Word

As a member of the worldwide Allianz Group, Allianz Saudi Fransi brings with it a wealth of experience in the provision of advanced insurance solutions from A to Z.

Dr. Abdullah Al Abdil Kadir Chairman

2

Ladies and Gentlemen,

At Allianz Saudi Fransi Cooperative Insurance Company, our guiding principles are integrity and customer focus. All our efforts are directed towards understanding local culture, social and economic environments, to better assess insurance needs for corporations as well as individuals. This enables us to translate our efforts into customized solutions that deliver premium products.

Our partnership based on synergy successfully combines Banque Saudi Fransi’s in-depth understanding of the local market and extensive distribution network with the worldwide experience and knowledge of Allianz Group.

Allianz Group has been in operation for over 118 years. It is one of the largest global composite insurers with operations in over 70 countries, insuring the majority of the Fortune 500 companies.

We aspire to be amongst top insurers in the Kingdom of Saudi Arabia by combining strong local insights of Banque Saudi Fransi with the global expertise of the Allianz Group.

We, at Allianz Saudi Fransi, strive to create trust by delivering excellence in all lines of business namely, Health, Motor, Property & Casualty, Protection & Savings and Employee Benefits.

We shall keep our focus on our customers; corporate and individual, locals and expatriates. We intend to establish nationwide reach using diverse channels of distribution including brokers, bancassurance, financial consultants and new avenues of distribution. We plan to achieve this through our highly trained and motivated dynamic team.

CEO,s Statement

We aspire to be amongst top insurers in the Kingdom of Saudi Arabia by combining strong local insights of Banque Saudi Fransi with the global expertise of the Allianz Group.

Antoine Issa CEO

3

To be amongst top Saudi insurers with global expertise and local insight,Providing world class products and services in all lines of business,

With nationwide reach using diverse channels of distribution,Through highly trained and motivated employees.

Create Trust - Deliver Excellence from A to Z

Vision

Mission

4

5

Allianz Saudi Fransi

Allianz Saudi Fransi offers solutions, which embrace the entire spectrum of risk management supported by a diversified range of insurance products.

Allianz Saudi Fransi Cooperative Insurance Company was established in 2007 as a joint venture between Banque Saudi Fransi and Allianz Group.

Allianz Saudi Fransi provides comprehensive insurance services to corporate and individual customers with the best local know-how coupled with extensive international expertise and experience.

We are committed to developing and providing the best quality insurance services in the Kingdom, whilst leveraging on the global resources, strength and security of our leading financial group.

For our customers, our philosophy is clear: “The Right Solutions for Your Insurance Needs.”

We live in a changing world and our requirements change over time. That is why we provide an extensive range of tailor-made products that will

Provision

Life and Health Insurance

Protection

Property and Casualty Insurance

allow you to plan ahead for your future. We want you to be satisfied therefore we have selected together the solutions that meet your needs.

The two core business areas of Allianz Saudi Fransi are Protection (Property & Casualty Insurance) and Provision (Life & Health Insurance).

6

Allianz Group

In addition, employees and distributors each received double-digit billions of Euros. This has resulted in a solid performance for all he group

,s

stakeholders such as customers, employees, sales partners, third parties and shareholders. Beyond the quality of the group

,s financial performance,

a number of other activities and factors are important for the sustainable growth of competitive strength and company value. These include; global diversification, the reduction of complexity, value-based management approach and the crucially important employees.

Founded in Germany in 1890, Allianz Group is today one of the leading global financial services providers and offers insurance and asset management solutions to more than 76 million customers in more than 70 countries, with over 151,000 employees worldwide.

In 2010, Allianz has secured superior benefits for its various stakeholders. Altogether, Allianz insurance customers were credited 91.4 billion Euros in benefits. Add to that, more than 77 billion Euros in market value growth for Allianz Asset Management clients, two billion Euros went to shareholders, and society received a total of 4 billion Euros, for example in the form of taxes.

Banque Saudi Fransi (BSF), is a Saudi Arabian Joint Stock company established in 1977. BSF is affiliated affiliated with Credit Agricole Corporate and Investment Bank, a fully-fledged member of the Crédit Agricole Group, the second largest bank in France, and seventh amongst banks of the Euroland by total equity.

Banque Saudi Fransi provides all types of commercial banking services to both domestic and international customers. It aims at creating a long term and personalized partnership with all its customers, gaining loyalty through recognized financial solutions.

Over the years, BSF has demonstrated a sustainable pattern of growth that has established its current financial strength and leadership in the Saudi market, positioning the Bank as a modern and dynamic institution fully geared to meet the challenges of the future.

At a glanceBanque Saudi Fransi provides all types of commercial banking services to both domestic and international customers.

Banque Saudi Fransi

7

8

Corporate Solutions

To be successful in your business, you need financial stability and risk protection. Allianz Saudi Fransi Cooperative Insurance Company offers insurance for all businesses and industries – With you from A to z.

Allianz Saudi Fransi helps corporations better understand risks, and protects them from the unexpected. Our comprehensive insurance solutions help minimize exposure to risks and our speciality operations provide extensive cover for areas like Construction, Petrochemicals, Energy, Aviation, Marine and more.

Allianz Global Corporate & Speciality offers services including; claims management, risk consulting and alternative risk transfer. Insurance cover includes facilities and buildings, loss of earnings, accidents, liability and workers’ compensation. We use worldwide network of Allianz across over 70 countries to provide the global knowledge coupled with local expertise to insure many of the world’s most complex projects.

Allianz has provided covers for many global giants including Rolls-Royce plc, Air France and the Sea Launch Company among them projects such as power systems, cargo liability and launching services for commercial communications satellites.

We also have a dedicated team of consultants who help understand your risks so you can achieve your business vision. Allianz pioneers research into high risk areas and this knowledge is reflected in our corporate insurance strategy.

Allianz Saudi Fransi provides a comprehensive range of products and services to meet corporate customers’ needs.

9

Employee Benefits

• Group Protection: covers death or disablement of employees due to accident or sickness.

• Group Health: health insurance in KSA is compulsory and regulated by CCHI – Cover includes in-patient medical expenses, and

out-patient medical expenses, including optical and dental treatments.

• Group Personal Accident: covers accidental death, Permanent Total Disablement (PTD), Permanent Partial Disablement (PPD) and weekly indemnity following accident.

• Workmen Compensation: covers legal liability of employers to compensate their employees for death, disablement or injury due to an accident at work during the period of the employment contract.

For Corporations all the business cycles must be protected.

10

• Property All Risks: covers against accidental physical loss or damage to the property due to any cause including fire and allied perils and consequential losses associated with the perils insured.

• Fire: covers against accidental physical loss or damage to property caused by fire, lightning, explosion, impact damage, natural catastrophes, and other named perils that may be added as extension.

• Theft (burglary): covers against loss or damage due to

theft by forcible entry into the premises.

• Money & Fidelity: covers against loss of money in safe as well as while in transit during business hours. Also covers loss due to specific dishonest acts of employees.

• Motor Fleet: covers physical loss or damage to the private and commercial motor vehicles of the company as well as legal liability towards third party due to road accidents.

Property & Casualty

• Contractor’s All Risks (CAR): provides comprehensive cover against physical loss or damage to the property/contract works during its construction, including contractor’s plant & equipment as well as liability towards third party arising during the construction period.

• Erection All Risks (EAR): provides comprehensive cover against physical loss or damage to the machinery/plant/project during its erection, including liability towards third party during the erection period.

• Machinery Breakdown (MB): covers against electrical or mechanical breakdown or damage to machinery and mechanical equipment at work, at rest or during maintenance operation.

• Electronic Equipment (EE): covers against losses which

arise suddenly and unforeseeably and physically affects computer hardware, communication equipment, medical equipment and other electronic equipment, including damage to data media.

Engineering

11

Liability

• Third Party Liability: covers the insured’s legal liability towards third party for loss or damage to their life and property due to the professional negligence of the insured or his employees. Could be extended to cover food poisoning.

• Employer’s Liability: covers employer’s legal liability towards his employees for death or injury happening during the period of employment as a result of negligence or an act of tort from the employer.

• Products Liability: covers manufacturer’s or suppliers’ legal liability towards third party for loss or damage to their life and property caused by the product to end-users.

Marine, Aviation

• Cargo: covers loss or damage to all sorts of cargo in bulk, on pallets or in containers by sea or by airfreight from suppliers worldwide to customer warehouse in the Kingdom of Saudi Arabia or vice versa.

• Hull: covers the ship or yacht and its components such as body of the ship and machinery of the ship from different surrounding risks, such as sinking, fire, etc... including liability towards third party.

• Inland Transit: covers loss or damage to cargo during inland transportation from or to the insured’s warehouse within the Kingdom of Saudi Arabia.

• Aviation: covers the plane and its components from surrounding risks, including liability to third party.

Credit

Covers the risk of not being paid by insured’s trade debtor. Additional covers offered are trade debt collection, protection against fraud, providing bonding and guarantees, including export guarantees.

12

Co-operation is the very essence of risk sharing. It’s the absolute opposite of self-interest because when you co-operate, you give up a little to gain collective strength, which brings greater reward for the co-operating group and society.

Protection & Savings Individual Solutions

We foster partnership with our individual customers through a comprehensive financial needs analysis in order to work closely together to develop relevant, flexible and long-term financial planning solutions. Our range of co-operative products includes

Waa

d Go

ld S

erie

s

13

Waad Gold Series

Allianz Saudi Fransi understands the importance of those close to you. As your family situation and your life change, our flexible Sharia Compliant protection solutions will allow you to continue looking after your loved ones.

Waad Al Ousra Gold (Protection)

• Is a pure protection plan without investmentcomponent.• Provides the most convenient security for your family at an affordable price.• Provides a lump sum amount to the family members in the event of the death of the insured.

Additional optional benefit • Permanent Total Disablement (PTD).

Waad Al Ajyal Gold (Education)

A solid financial base helps you fulfill your children’s potential and is an investment for their future. At Allianz Saudi Fransi we provide Sharia Compliant education saving plans to give your children the very best start in life.

Waad Al Ajyal• Provides the perfect combination: security and investment, taking care of convenient tuition fees for your children at university age.• Provides access to a variety of Portfolios/Funds depending on your risk preference.

Additional optional benefit • Schooling allowance in case of a covered event. • Permanent Total Disablement (PTD).

14

Waad Al Isteqrar Gold (Retirement)

At Allianz Saudi Fransi, we can give you the financial freedom and confidence to continue living life on your terms. We offer dependable Sharia Compliant saving solutions so that you fully enjoy your retirement.

Waad Al Isteqrar• Is a financial plan that provides the choice of diversified investment and personal protection,• Provides access to a variety of Portfolios/Funds depending on your risk preference,• Portfolios/Funds’ allocation can be changed at your discretion.

Additional optional benefit • An annual income payable to your spouse in case of a covered event;• An annual income payable to each of your children as a schooling allowance up to reaching the university age in case of a covered event;• Permanent Total Disablement (PTD).• Critical Illness benefit. • Additional accident benefits.

Have you ever considered

How are you going to spend your golden years?

How to provide your family with golden protection?

How to offer your childrena golden chance for a bettereducation?

It’s time to consider our Gold Solutions

15

Property & Casualty & Health Individual Solutions

In order to safeguard your life’s achievements, it is essential to protect your belongings and ensure your personal safety. Allianz Saudi Fransi offers a wide range of individual insurance solutions that can provide you with security and peace of mind. Here is an overview of what we can do for you!

16

ASF Motor

Offers a wide range of covers, thus allowing the individual to have complete peace of mind on the roads & highways.

• Comprehensive cover: loss or damage to insured vehicle itself.

• Third Party Liability cover: liability to third parties for bodily injury or damage to property caused by the insured vehicle.

ASF Personal Accidents

As your family situation and your life changes, our flexible worldwide accident protection solution will allow you to continue looking after your loved ones.

ASF P.A. is a worldwide accident insurance plan especially designed for families; it can help relieve the financial burden caused by a sudden unforeseen accidental event.

ASF Travel

With ASF Travel, and in collaboration with Mondial Assistance, worldwide leader in travel insurance, Allianz Saudi Fransi offers you a comprehensive Assistance and Travel Insurance package including:

• Emergency medical fees or hospitalization incurred abroad.

• Emergency dental care expenses.• Repatriation in case of serious illness or accident.• Medical advise abroad.• Useful travel information.• Urgent dispatch of medicines.• As well as other benefits.

ASF Health

ASF Health is a basic Health Insurance plan with a variety of optional covers to suit your requirements. It includes:

• In-Hospital Cover: this cover shall apply in the event of health conditions requiring hospitalization, and/or emergency services and/or in-hospital surgery/procedures.

• Out of Hospital Cover: Out of hospital benefits are services such as physician consultation, pharmaceuticals, diagnostic tests which do not require hospitalization or in-hospital treatment/observation.

• Additional Benefits: maternity, optical and dental benefits.

• Network of Hospitals: we offer a wide network of hospitals/clinics in the Kingdom of Saudi Arabia.

16 17

Our Major Customers

Our guiding principles are integrity and customer focus. This approach has resulted in the building of customer loyalty and in the growing number of our satisfied customers. Here is a short list of some of our major customers.

1. Banque Saudi Fransi2. Etihad Etisalat Company (Mobily)3. Omar Kassem Al Esayi Marketing Co.4. Saudi Ethylene & Polyethylene Co (Tasnee)5. Aircraft Accessories And Components Co (Aacc)6. Saco (Saudi Company For Hardware)7. Saudi Chevron Philips Petrochemical Co.8. ABB Saudi Arabia9. Al Waha Petrochemical Company10. Saudi Catering & Contracting Co.11. Arabian Bemco Contracting Company

12. ArcelorMittal Tubular Products Co.13. Mapa Construction & Trade Co. Inc.14. Arabian Pipeline Projects Co.15. Al Jazirah Vehicles Agency Co. (Ford)16. Al Sorayai Trading & Industrial Group17. Abul Jadayel Beverages Inc.18. Arabian Castles General Contracting Co.19. Arabian Geophysical Surveying Co. (Argas)20. Al Kifah Holding Co.21. Abdulali Al Ajmi Co. Ltd22. Saudi Paper Manufacturing Co.

18

For Allianz Saudi Fransi, a close relationship with our customers is one of our first priorities. In the Kingdom of Saudi Arabia, accessibility and convenience are critical.

With this in mind, our objective at Allianz Saudi Fransi is to serve our customers on their terms – by providing multiple avenues of distribution and service outlets, which allow choice and flexibility, no matter what your needs are.Allianz Saudi Fransi headquarters are located at a prime location in Riyadh. We are also present in a large number of branches including Riyadh, Jeddah, Madinah, Al Khobar, Al Dammam and Al Hasa.

Our Distribution Network

19