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Sanlam 2020 About Us 0202 Sanlam Integrated Report 2020 A snapshot of Sanlam // A snapshot of Sanlam About us Sanlam was established as a life insurance company in South Africa but has since transformed into a diversified financial services group operating across Africa, India and selected emerging and developed markets, with listings on the Johannesburg, A2X and Namibian stock exchanges. The Group has been operating for more than 100 years, most of which as a mutual insurer. Sanlam demutualised and listed on the Johannesburg and Namibian stock exchanges in 1998. e offer our clients a large and diversified Our purpose is to empower generations range of solutions. Omni-channel distribution ensures that clients are reached and serviced to be financially confident, secure and through their preferred channel, with prosperous. Our vision is to distinguish increased focus on developing our digital ourselves as the most admired financial capability. Read more on page 10. services group in Africa. Our purpose W and vision is enabled through our Our main sources of earnings are the net operating profit strategy, which we discuss in more (net result from financial services) we earn from our different lines of business and the net income we earn from investing detail on page 30. our capital in the financial markets (net investment return). Current and expected future growth in these sources of Our strategy guides our long-term earnings is the main driver behind shareholder value creation as measured by Return on Group Equity Value (RoGEV), our thinking. main financial performance indicator. Read more about the drivers behind our main sources of earnings and RoGEV from page 67. Becoming an African champion Building a fortress position in South Africa Accelerating growth outside of South Africa Strengthening our position where we operate outside of Africa Our values underpin what we do Winning with Lead with Serve with pride Caring that Creating value integrity to be the courage to earn our as we are client comes from respect in everything that unrivalled industry clients’ trust focused for each other we do leader in Africa 03 03 Sanlam Integrated Report 2020 04About us continued Sanlam has transformed from a small Cape-based insurance company into a leading, diversified financial services group with the biggest non-banking financial services footprint on the African continent. Highlights of the last century reflect our innovative and transformational mindset: Sanlam launched the first disability cover Demutualisation and listing turned two 1924 and income protection product, with the 1998 million policyholders into shareholders first pay-out made to a railway worker who who became co-owners of Sanlam, thereby lost his eyesight in an accident. sharing in our success and profits. Many policyholders also became first-time equity investors, thereby contributing to Sanlam became an independent mutual life financial education. 1954 insurer and the largest single shareholder in Santam. We introduced the first computer-backed 1977 financial planning analysis for clients. We concluded the first major black economic 1993 empowerment deal in South Africa by selling control of Metropolitan Life to a black consortium. Sanlam Life’s advisers became the first Sanlam became the first South African 2003 to receive accreditation from the 1997 financial institution to enable offshore client internationally recognised Financial Planning investments, enhancing value creation for Institute (FPI). our clients by diversifying their investment portfolios. The offshore exposure in client portfolios added significant value over time, in particular the last 10 years, through relative outperformance of international markets and a weakening in the rand exchange rate. // A snapshot of Sanlam Sanlam established one of the most Following the conclusion of the last phase 2004 successful broad-based black economic 2018 of the Saham Finances acquisition, Sanlam empowerment (B-BBEE) partnerships when became the largest non-banking financial we sold a stake in the Company to Ubuntu- services group on the African continent. Botho (UB), a group of black investors led by We initiated B-BBEE transactions valued Dr Patrice Motsepe. The partnership between at more than R10 billion that will bring Sanlam and UB has been one of the most further impetus to transformation in South successful empowerment partnerships Africa. This B-BBEE transaction includes in South Africa. It created value of over broad-based groups consisting of trade R14 billion for broad-based black shareholders union companies, religious organisations, when the first 10-year transaction matured. women and youth groups. Sanlam enters the Indian market through 2005 a partnership with Shriram Capital. Sanlam acquires African Life which increases its presence in the South African entry level market and other African markets. Despite the challenging operating 2020 environment, Sanlam, together with our partners, UB, pledged R1 billion in relief aid in response to COVID-19. In line with the Group’s transformation agenda, further agreements were concluded with African Rainbow Capital (ARC) Financial Services, establishing the largest black-owned asset management company in South Africa. Sanlam also announced the acquisition of a 25% non-controlling minority shareholding in a wholly owned subsidiary of ARC Financial Services, which is expected Sanlam was the first major South African to conclude in 2021. 2013 insurer to offer standard life cover for people living with HIV/Aids, enhancing inclusive access to insurance products. 05 05 Sanlam Integrated Report 2020 06About us continued We remained resilient despite the challenges of 2020 and continued contributing to the resilience of all our stakeholders Sanlam is an emerging market participant with a unique footprint that spans countries with high economic growth potential and low financial services penetration outside of South Africa (our largest in Sanlam market). This provides us with a leveraged future growth opportunity as we are well positioned to meet Why invest invest Why the demand for financial solutions that arises when African and Indian demographic profiles change and aspirational lifestyles develop due to economic growth, urbanisation and young people entering the formal economy. We have a well-diversified business across product set, market segment and geography. We offer our clients a range of financial solutions that can fully meet the needs of individuals and organisations across 44 countries. We have strong market positions in all segments. Our large, stable South African base, which contributes 68% to net result from financial services, and mature book allows us to invest in other high-growth territories through a partnership model. We have a first-mover advantage in Africa and an unmatched Pan-African presence in 32 countries (ex- South Africa) on the continent. Our distribution approach creates seamless interaction and comprehensive support to enhance the personal intermediary model – encompassing more than 3 000 supporting brokers and 6 000 advisers. We have adopted increased digitisation, data analytics and direct distribution to support digital transformation as a key enabler in meeting strategic goals. We have a dynamic new Executive committee (Exco) with diverse skills and experience. They have appropriate accountabilities and incentives linked to financial and non-financial indicators to drive high performance and embed a competitive culture. We continually assess our strategy to ensure it remains relevant and that we can continue to create value over the short, medium and long term – enabling consistent cumulative outperformance of our RoGEV target since listing. We have a stable dividend policy which maintains a cash dividend cover ratio of between 1,0 and 1,2 times. We aim to manage smooth real dividend growth of 2% to 4% per annum over a three-year rolling period. R187,7 billion of wealth distributed in 2020 R149,8 billion R7,3 billion to clients to shareholders R4,0 billion R13,7 billion to government to employees and the balance to suppliers Sanlam Integrated Report 2020 // A snapshot of Sanlam There’s never been a better time to partner with us Over 20 years since we started helping children become smarter and kinder through 20 years Takalani Sesame R630 million invested in communities over the past 10 years of South Africa retirement industry research via Sanlam Benchmark Symposium – one of the most referenced research papers in the retirement fund industry that provides 39 years insights to help effect positive financial retirement outcomes for South Africans More than 41 678 South Africans empowered by our consumer financial education 41 678 (CFE) programme 99% of death claims paid out in SA Retail Affluent, maintaining a five-year record Sanlam Investment Group manages more than R900 billion in assets under R900 billion management and offers a wide range of investment capabilities Sanlam, in conjunction African Rainbow Capital and others, and through the Motsepe Foundation, contributed R1 billion towards the fight against COVID-19. R255 million R463 million to intermediaries in structured payment relief programmes for clients R15 million R246 million to assist beneficiaries of the Sanlam Enterprise to support various initiatives in response to the and Supplier Development programme pandemic across Africa R531 million in excess claims paid by Sanlam Life and Savings in 2020, after allowing for annuity and disability offsets 07 Sanlam Integrated Report
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