CEO's report

CEO's report Full integrated report

Santam has shown strong underwriting performance in 2018, following a challenging 2017. The group remains in good shape, but shares the collective concern about the global and South African economy, and the challenging conditions under which our current and potential policyholders want to safeguard their assets and businesses.


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The Santam business portfolio: Our performance

 Santam Commercial and Personal

Santam Commercial and Personal achieved significantly improved underwriting margins compared to the previous year. 2018 has been a relatively benign year in terms of claims severity. This is partly a result of the absence of major catastrophe losses.

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Real-life stories

These real-life stories highlight how the six capitals of value creation, combined with the group’s strategy and risk management efforts, created value for various stakeholders. These stories underscore our brand promise of Insurance good and proper.