Who Owns Abu Dhabi National Takaful Company PJSC? ADNTC Ownership & Takaful Explained (2026)

Abu Dhabi National Takaful Company PJSC (ADNTC) is one of the UAE’s leading Islamic insurance providers — offering Sharia-compliant takaful products across motor, medical, property, marine, and life segments. Listed on the Abu Dhabi Securities Exchange (ADX), it operates under the principles of mutual risk-sharing rather than conventional insurance.

Who Owns Abu Dhabi National Takaful Company?

Abu Dhabi National Takaful Company (ADNTC) is a publicly listed company on the Abu Dhabi Securities Exchange (ADX), with its shares distributed among institutional investors, UAE nationals, and public shareholders. A significant portion of its founding shareholding involved Abu Dhabi government-linked institutions and prominent Emirati business families. As a PJSC (Public Joint Stock Company), no single private entity holds full ownership — it is governed by a board of directors elected by shareholders, operating under UAE Central Bank and Insurance Authority regulations. The company follows a Wakala model of takaful (agency-based Islamic insurance) where participants contribute to a pooled risk fund managed by the company as wakeel (agent).

What Is Takaful Insurance?

Takaful is the Islamic equivalent of conventional insurance, based on the principle of mutual cooperation (ta’awun). Participants contribute premiums into a collective pool; if a member suffers a loss, they are compensated from this pool. Any surplus — after claims and management fees — is returned to participants, not retained as profit by shareholders. This structure avoids the elements of riba (interest), gharar (excessive uncertainty), and maisir (gambling) that conventional insurance contains under Islamic jurisprudence. ADNTC’s operations are overseen by an independent Sharia Supervisory Board that certifies compliance.