Shma

SHMA is a leading advisory firm with offices in the UAE, Saudi Arabia, and Pakistan, serving clients across MENA and beyond. Our work spans three core areas: Actuarial & Insurance Advisory – Supporting insurers with strategy and business plan development, actuarial reserving, product pricing, financial reporting (including IFRS implementation), reinsurance optimization, and solvency and capital modeling. Risk Management & Risk Advisory – Helping businesses strengthen resilience through enterprise risk management (ERM), ORSA, risk management policies, stress testing and scenario analysis, risk appetite frameworks, and asset liability management analysis. End-of-Service Benefits (EOSB) – Our largest practice area, serving over 450 clients worldwide. We provide actuarial valuations, EOSB strategy and design, and accounting and reporting support for private companies, public entities, and governments. Every project is led by specialists with the right expertise to deliver practical, tailored solutions. We also operate through our wholly owned subsidiary in Pakistan. At SHMA, we are committed to simplifying complexity, enabling informed decisions, and creating long-term value for our clients.