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+6.4%
Conventional insurance GWP growth
Dec 2024: 10.5%
+ 48.7%
Net underwriting margin
Dec 2024: 7.6%
-8.5%
Return on shareholder funds
Dec 2024: 31.9%
+10.7%
Final dividend
Dec 2024: 985 cps
Santam will release its 2025 annual results on Monday, 9 March 2026 at 9:00 (SAST). The 2025 annual results presentation will be hosted at 09:00 (SAST). Click on the link below to add the event in your calendar.
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Santam delivers a strong full year performance, exceeding the long-term targets for all key performance indicators.
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Annual financial results for the year ended 31 December 2025 presented by the Group CEO Tavaziva Madzinga.
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Santam, South Africa’s largest short-term insurer, has been granted in principle approval by Lloyd’s to launch a syndicate based in London, which will accelerate the international growth.
DownloadSantam has been South Africa’s leading general insurer for 107 years – through global societal, economic and climate-related changes and rapid technological advances. The group has achieved an enviable market share over this time by innovating and adapting to disruptive circumstances and new risks.
Maintained a market share of more than 22% over the last 10 years.
Settled claims of R234.4 billion over the past 10 years, supporting financial resilience.
Consistently achieved real GWP growth in line with our target of exceeding SA gross domestic product (GDP) + consumer price index (CPI) growth.
Stable dividend policy with ordinary dividend per share at 7% compound annual growth rate.
Average net underwriting margin of 6.4%.
We are a diversified short-term insurer; we provide our clients with appropriate insurance solutions through a multi-product and multi-channel distribution portfolio.
2025 AGM Notice and Form of Proxy: 13 March 2026 (publication date) 2025 AGM Notice and Form of Proxy: 20 March 2026 (distribution date)
9 March 2026: Annual Results for the 12 months ended 31 December 2025
7 September 2026: Interim report for the six months ended 30 June 2026
09 March 2026: Declaration of dividend for 2025
24 March 2026: Last date to trade cum dividend
25 March 2026: Shares to trade ex-dividend
27 March 2026: Record date for 2025 dividend
30 March 2026: Payment date of dividend for 2025
Currently eleven executives make up the senior management team, with Tavaziva (‘Tava’) Madzinga as Chief Executive Officer, appointed in July 2022. Santam has twelve directors, serving on its board. The board is headed by Ms Moholi who is currently serving as Chairperson.
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Santam is a leading general insurer in South Africa with a market share less than 24%. We provide a diverse range of general insurance products and services in southern Africa and internationally through a network of 2 700 intermediaries and direct channels. We serve more than 1 million policyholders who range from individuals to commercial and specialist business owners and institutions.
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At Santam, we are intentional about building an empowered, purpose-led, value-driven and inclusive culture, all while ensuring we embody ethical leadership as a responsible company.
Learn moreAt Santam, we are committed to being a good corporate citizen and contributing to a sustainable and transformed South African economy.
Level 1 BBBEE
Top employer 2025
Founding signatory United Nations Environmental Programme's Principles for Sustainabie Insurance
Constituent of the FTSE4Good Index Series and Top 30 FTSE/JSE Responsible Investment Index
Signatory Task Force on Climate-related Financial Disclosures (TCFD)
View our past and present reports and financial results.
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