INTEGRATED REPORT 2016 - Santam

INTEGRATEDREPORT2016 OUR STORY IN 2016 Our promise to deliver Insurance good and proper was tested by the worsening claims environment this year, compounded by financial market volatility, low domestic growth, limited consumer disposable income, growing competition, soft premium rates, higher auto repair and related costs, and increasing claims associated with systemic emerged, was the confirmation that what matters most to you, our stakeholders, matters most to us. This was endorsed by business conversations about the future, wide engagement through partnerships and feedback from our clients. We share some of these real experiences with you in this REPORT . Seven stories highlight what mattered most to you:1. Subsistence farmers struggle to become financially astute commercial farmers, who can manage their risks and access markets and funding. We have found ways to help. 2. A 10-year old has her first experience of theft, the insurance claims process and the relief of being able to replace her phone.

SANTAM INTEGRATED REPORT 2016 4 ABOUT THIS REPORT TARGET AUDIENCE AND CONTENT Santam Ltd (Santam or the group) is a South African company listed on the JSE since 1964 under the insurance (non-life) sector.

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