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Morning 11:00-14:00

Afternoon 14:00-17:00

Evening 17:00-19:00

Santam in figures


Interim dividend

2022: No final dividend

R35.4 billion

Conventional insurance GWP growth

June 2022: 6.7%


Return of capital

June 2021: 863cps


Economic capital coverage ratio

Target range 145% to 165%

Latest results & reports

Santam Group: 2023 Interim Results

Santam recorded an overall solid financial performance for the six months to 30 June 2023, with the group’s conventional insurance business achieving Gross Written Premium (GWP) growth of 7% and a net underwriting margin of 3.8% (June 2022: 3.0%).

Interim report 2023 2022 Annual Financial Statements
2022 Integrated Report

The world, our business, and people’s lives are constantly changing, and as the leading general insurer, we continually adapt as we face new risks.

Analyst Presentation 2023

Interim financial results for the six months ended 30 June 2023 presented by Tavaziva Madzinga and Wikus Olivier.

2022 Annual Financial Statements

Santam delivers strong and resilient operating results for financial year ended 31 December 2022


Santam – delivering profitable growth and resilience in a disruptive world

Santam has been South Africa’s leading general insurer for 105 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.

Why invest in Santam?

Santam is a proudly South African general insurance group with a growing international premium contribution.

The group provides appropriate insurance solutions that suit the changing needs of clients through a multi-product and multi-channel distribution portfolio that covers various classes of general insurance.

We help ensure financial resilience for the South African economy during challenging times, by paying claims.

Santam has skilled and experienced leadership, collectively holding more than a century of insurance industry experience.

As a proudly South African company, we are purpose-led and committed to positive societal and environmental impact.

Board and Executives

A winning team

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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Our business portfolio

Santam's presence

Santam is the leading general insurer in South Africa with a market share of more than 22%. 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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Life at Santam

Growth and opportunities

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.

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Our approach to sustainability

At 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 2023

Founding signatory United Nations Environmental Programme's Principles for Sustainabie Insurance

Constituent of the FTSE4Good Index Series and FTSE?JES Responsible Investment Top 30 Index

Signatory Task Force on Climate-related Financial Disclosures (TCFD)

View our past and present reports and financial results.

Shareholder diary

31 May: Annual general meeting


31 August: Interim report for 30 June 2023

2 March: Announcement of the results for the year ended 31 December 2022

20 March: Integrated report for the year ended 31 December 2022


2 March: Dividend for 2022 declared

20 March: Last date to trade cum dividend

22 March: Shares trade ex-dividend

24 March: Record date for 2022 dividend

27 March: Payment date of dividend for 2022

Help and FAQ's

General enquiries


Tel: 021 915 8228

Wikus Olivier

Group CFO and Finance Director


Thabiso Rulashe

Head Investor Relations and Strategy


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