Interactive

Solvency calculator

Enter admissible assets and liabilities, and the calculator returns the available margin, the required margin, the solvency ratio and the Article 68 band. All figures are in SAR millions.

Unofficial reconstruction

The official solvency calculation templates used by the Insurance Authority are not available to the public. This calculator and the Excel workbook recreate the calculation from the author's reading of the Implementing Regulations (Articles 66–68) and the published financial statements. They are educational tools, not regulatory calculations, and their results may differ from any figure filed by the company or computed by the regulator.

This calculator runs in the browser and needs JavaScript. The Excel version on the tools page does the same thing offline.

Admissible assets

Build up from lines Enter one total

Asset lines and admissibility percentages
Asset line	Amount (SAR m)	Admissible %	Admissible (SAR m)
Cash in banks			0.0
Saudi government bonds			0.0
Reinsurance balances			0.0
Premiums receivable — due within 90 days			0.0
Premiums receivable — due after 90 days			0.0
Listed shares			0.0
Unlisted shares			0.0
Furniture, equipment and prepaid expenses			0.0
Goodwill and intangibles			0.0
Total admissible assets			0.0

Premiums receivable count in full when due within 90 days and not at all after that. Every percentage here is editable.

Liabilities and minimum capital

Total liabilities (SAR m)

Minimum capital (SAR m)

The floor on the required margin. Editable.

Premium and claims margins

Net premium and net claims each count at no less than 50% of gross, so enter the gross figures too and the floor is applied for you.

Premiums and claims by class of business
Class	Gross written premium	Net written premium	Premium factor %	Gross claims, 3-yr avg	Net claims, 3-yr avg	Claims factor %
Motor
Health
Engineering & Energy *
Other *

* The book states factors for Motor, Health and Engineering & Energy premiums, and for Motor and Health claims. The others start from an editable placeholder.