Actuarial studies are considered one of the most complex and important scientific tools in the contemporary business world. They contribute directly to analyzing and evaluating future risks using highly advanced mathematical and statistical models. At ABHZ Consulting, we provide specialized actuarial and advisory services aimed at protecting our clients’ financial positions and providing an accurate proactive vision, whether they operate in the insurance sector, human resources, or major pension and investment funds. The primary goal of these studies is to transform future uncertainty into numbers and data upon which management can act.
Among the most prominent services we offer in this track is the calculation of employee benefits and long-term financial liabilities, such as End-of-Service Benefits (EOSB) and pension plans, according to strict International Accounting Standards like (IAS 19) or approved local standards. An inaccurate estimation of these liabilities can lead to massive financial gaps that appear suddenly in budgets, affecting the organization’s profitability and financial reputation. Therefore, our experts at ABHZ rely on precise employee data and expectations of turnover rates and annual salary increases to provide robust actuarial reports that support financial management decisions and ensure the adequacy of the allocated provisions.
Furthermore, ABHZ plays a vital role in supporting Mergers and Acquisitions (M&A) by conducting actuarial due diligence. We evaluate financial portfolios and hidden liabilities that may not appear in traditional balance sheets, ensuring the buyer or investor gets a fair valuation and avoids unpleasant surprises after the deal is closed. Our team possesses extensive experience in complying with the requirements of the Insurance Authority and the Saudi Central Bank (SAMA), giving our clients absolute confidence in our outputs. The added value we provide at ABHZ lies in our ability to simplify complex actuarial results and transform them into clear “Strategic Insights” that help leadership with sound financial planning, securing the entity’s future against market fluctuations and fulfilling obligations toward employees and shareholders with total “Transparency and Precision.”
