The data is provided in collaboration with GRI's DataPartners Download PDF Please confirm you are human. �V��)g�B�0�i�W��8#�8wթ��8_�٥ʨQ����Q�j@�&�A)/��g�>'K�� �t�;\�� ӥ$պF�ZUn����(4T�%)뫔�0C&�����Z��i���8��bx��E���B�;�����P���ӓ̹�A�om?�W= 19.5% Return on average equity (2016: 22.9%) INTEGRATED ANNUAL REPORT 2017 3 1084 0 obj <>/Filter/FlateDecode/ID[<15B9403B74FE45FA8AFAAA24444BFF7D><6A4025F9B5020043AA2381A15F90BACD>]/Index[1045 65]/Info 1044 0 R/Length 167/Prev 4107117/Root 1046 0 R/Size 1110/Type/XRef/W[1 3 1]>>stream h�bbd```b`�����@$�N��D2�� ��L> ���ٿ��/`�^��P�z L6I�Og@l�)�D���H�t�?�TY�+ Download PDF. Excluding the new initiatives, SPF’s contribution was 1% down on 2017 due to the major impact that the weak equity market performance in South Africa had on fund-based fee income. Sanlam Personal Finance (SPF) net result from financial services declined by 5%, largely due to the impact of new growth initiatives and dampened market conditions. Large, Financial Services. At Sanlam, the essence of our purpose has not changed: to build a world of Wealthsmiths™, Sanlam Namibia Holdings (Pty) Ltd (Sanlam Namibia) and Santam Namibia Ltd (Santam Namibia). %PDF-1.7 v@���ba�� /Filter /FlateDecode << • Capricorn Group has a strong governance culture, entrepreneurial spirit and commitment to transparency. %PDF-1.7 %���� ��w�G� xR^���[�oƜch�g�`>b���$���*~� �:����E���b��~���,m,�-��ݖ,�Y��¬�*�6X�[ݱF�=�3�뭷Y��~dó ���t���i�z�f�6�~`{�v���.�Ng����#{�}�}��������j������c1X6���fm���;'_9 �r�:�8�q�:��˜�O:ϸ8������u��Jq���nv=���M����m����R 4 �
/N 3 >> &g�]2�=̞&�Hu��心�j�@�]7�4�f��e��qxb�) �+�2012�,� M���/ �� � � $v�FR6hMHH���a�Q$���j�Z3jy#�4P�ƀ ��P>4��������n�e��'��'5a��K�r��c�e�x�lݡ#s�� d��S�O�� ��*��^�r���7Pi�pL�}R?�L�[1{�(y�̢FHs 2y�.-;!���K�Z� ���^�i�"L��0���-�� @8(��r�;q��7�L��y��&�Q��q�4�j���|�9�� This integrated report (the report or this report) reviews the financial year for the 12 months ended 31 December 2017. �ꇆ��n���Q�t�}MA�0�al������S�x ��k�&�^���>�0|>_�'��,�G! Integrated Report 2016 Sanlam. 1045 0 obj <> endobj h��W}PS�?/��b^ ĨE taV�j�R�_S[0*.�c;/A ꚢ"�'�]��Ⲯk#*��v;�+��j����lZu����}������f&��������s�� � � DP�� Gloria Tapon Njamo Head: Investor Relations Tel: 021 915 8228 E-mail: Gloria.TaponNjamo@santam.co.za E-mail: investor.relations@santam.co.za Company secretary ��ƁN�{[t��C9=����W����]���b�FEX̒P�N1o���@`>��'���՟4x��h8] ]I ���K.Q6���Y+/�+n2�@��zd �ɀ�VV�Vᑑ|������E��&�z�o��>,������ ƒ�Q�5����ɣ��u�b'��`r�� �BE���F�6�^�-�Ls�)��¤��LJ���u�3o�{7}�����4���G�%�";�#�W�O���,�$��/�vn��� INTEGRATED REPORT 2017 1 A snapshot of Sanlam 12 Our world has changed beyond recognition over this time. The report is available in printed and electronic formats and is presented in two volumes: • Volume 1: Integrated Report is a narrative and statistical description of major developments during the year and value generated in various ways. stream INTEGRATED REPORT 2018 9 A SNAPSHOT OF SANLAM ABOUT US Sanlam was established as a life insurance "F$H:R��!z��F�Qd?r9�\A&�G���rQ��h������E��]�a�4z�Bg�����E#H �*B=��0H�I��p�p�0MxJ$�D1��D, V���ĭ����KĻ�Y�dE�"E��I2���E�B�G��t�4MzN�����r!YK� ���?%_&�#���(��0J:EAi��Q�(�()ӔWT6U@���P+���!�~��m���D�e�Դ�!��h�Ӧh/��']B/����ҏӿ�?a0n�hF!��X���8����܌k�c&5S�����6�l��Ia�2c�K�M�A�!�E�#��ƒ�d�V��(�k��e���l ����}�}�C�q�9 Report details provided by GRI's Data Partner: R&A STRATEGIC COMMUNICATIONS (PTY) LTD. Access the report. �x������- �����[��� 0����}��y)7ta�����>j���T�7���@���tܛ�`q�2��ʀ��&���6�Z�L�Ą?�_��yxg)˔z���çL�U���*�u�Sk�Se�O4?�c����.� � �� R� ߁��-��2�5������ ��S�>ӣV����d�`r��n~��Y�&�+`��;�A4�� ���A9� =�-�t��l�`;��~p���� �Gp| ��[`L��`� "A�YA�+��Cb(��R�,� *�T�2B-� The pace of development is increasing exponentially, creating opportunities, presenting challenges and opening ways to improve future prospects for all. Publication year: 2017; Investor relations Hennie Nel Chief Financial Officer Tel: 021 915 7599. endstream endobj startxref %%EOF N'��)�].�u�J�r� The report is available in printed and electronic formats and is presented in two volumes: It covers general insurance and investment operations in South Africa and Namibia, as well as investments in emerging market insurance companies through Sanlam Emerging Markets in the rest of Africa, India, Asia,