Saham Finances is a Moroccan financial services company, specializing in insurance and assistance services. It was founded in 1995 by Moulay Hafid Elalamy and has its headquarters in Casablanca, Morocco. Initially, Saham Finances started as an insurance brokerage firm.

Over the years, the company expanded its operations and gradually transformed into a leading player in the African insurance market. Today, it is a multinational company with a strong presence in Africa, the Middle East, and Southeast Asia. Saham Finances offers a range of insurance products and related services.

Its portfolio includes traditional insurance lines such as life insurance, health insurance, property and casualty insurance, as well as specialized solutions for businesses. The company also provides assistance services including medical services, road assistance, home assistance, travel assistance, and third-party administration. Saham Finances has grown rapidly through strategic acquisitions and partnerships.

Notable subsidiaries and joint ventures include Colina Holdings in the Africa region, and Sanad in the Middle East. These partnerships have allowed the company to expand its operations and strengthen its market position. In terms of market position, Saham Finances has become one of the leading insurance groups in Africa.

With a presence in more than 25 countries, the company has achieved a significant market share in the regions it operates. It is constantly striving to enhance its capabilities and remains competitive within the insurance industry. In recent years, Saham Finances has undergone a rebranding exercise.

In 2016, the company changed its name to Sanlam Emerging Markets following the acquisition by Sanlam, a South African financial services group. This acquisition has provided Saham Finances with the resources and expertise to continue its expansion and deliver greater value to its clients. As of the latest available information, Saham Finances continues to thrive in the insurance industry.

It remains committed to its goal of being a leading player in emerging markets and delivering innovative insurance solutions to its customers. The company's strong presence in Africa, the Middle East, and Southeast Asia positions it well for future growth and success