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U.A.E.-based actuarial consultancy Badri Management Consultancy said the combined ratio of 28-listed insurers in the U.A.E. reached 94% in the first nine months of the year, up from 90% in the year-ago comparable period, Middle East Insurance Review reported. As inflation and high claims costs affected insurers’ profitability the insurers’ aggregate net profit dropped 29% year-on-year to 1.6 billion United Arab Emirates dirhams ($436 million).