1、Adapting for growth in a changing worldNovember 2025Africa Insurance Outlook 2025/26Introduction01Results matter02Regional insurance view03Regulation04ESG05Transforming the business06Deloitte Africa Insurance Outlook 2025/26|Adapting for growth in a changing world2010203040506IntroductionResults mat

2、terRegional insurance viewRegulationESGTransforming the businessForewordGlobal outlookOverview of the 2024 financial and embedded value results of the largest insurance groups in South Africa East Africa:resilience,innovation and steady growthWest Africa:operationalising the new normal under IFRS 17

3、 in the Ghanaian insurance industryWest Africa:regulatory reforms and modernisation in Nigeria Increasing insurance company shareholder value through the treasury functionMastering reporting:navigating solvency and published reportingIndirect tax developmentsInsuring the climate transitionOverview o

4、f M&A activity Optimising the relationship between cloud computing and AI is critical to unlocking real valueThe role technology innovation is playing in the convergence in African insurance landscapeActuarial modernisation:navigating change and unlocking potentialContentsDeloitte Africa Insurance O

5、utlook 2025/26|Adapting for growth in a changing world3Introduction01Results matter02Regional insurance view03Regulation04ESG05Transforming the business06Deloitte Africa Insurance Outlook 2025/26|Adapting for growth in a changing worldForeword To set the scene,we open with a global industry perspect

6、ive tailored for our African audience,authored by our global insurance sector leader.This is followed by an in-depth analysis of the financial results of South Africas largest insurance groups.As is customary,we offer commentary on new business generation,claims trends,and the capital positions of i