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PRESENTATION TO ANALYSTS 2013 Non-executive directors Company secretary GG Gelink (Chairman), Masood Allie B Campbell, MD Dunn, MP Fandeso, BTPKM Gamedze, ML Marole, Santam head offjce and registered address JP Mller, MJ Reyneke, J van Zyl


  1. PRESENTATION TO ANALYSTS 2013

  2. Non-executive directors Company secretary GG Gelink (Chairman), Masood Allie B Campbell, MD Dunn, MP Fandeso, BTPKM Gamedze, ML Marole, Santam head offjce and registered address JP Möller, MJ Reyneke, J van Zyl 1 Sportica Crescent Tyger Valley Executive directors Bellville 7530 IM Kirk (Chief Executive Offjcer), PO Box 3881, Tyger Valley 7536 HD Nel (Chief Financial Offjcer), Tel: 021 915 7000 Y Ramiah Fax: 021 914 0700 www.santam.co.za Sponsor Investec Bank Ltd Registration number 1918/001680/06 ISIN ZAE000093779 Transfer secretaries JSE share code: SNT Computershare Investor Services (Pty) Ltd NSX share code: SNM 70 Marshall Street, Johannesburg 2001 PO Box 61051, Marshalltown 2107 Tel: 011 370 5000 Fax: 011 688 7721 www.computershare.com

  3. TABLE OF CONTENTS 4 Industry conditions 10 Financial results 36 Dividend 38 Risk pool 2013 50 Strategy and focus 59 Summary audited financial results for Santam Ltd and its subsidiaries for the year ended 31 December 2013 P R E S E N TAT I O N T O A N A LY S T S S A N TA M LT D A N D I T S S U B S I D I A R I E S Summary audited fjnancial results for the year ended 31 December 2013 1

  4.   •  •  •  •  • 2

  5. 3

  6. 2/26/2014   •  •  •  •   • GENE  •  •  •  •    •  • 4

  7. 5

  8.                            GENE                  •  •  •  •   6

  9. 7

  10.  USDZAR PPP USDZAR actual 14 12 10 USDZAR 8 6 GENE GENE 4 2 0 Jan- 80 Jan- 82 Jan-84 Jan-86 Jan-88 Jan- 90 Jan- 92 Jan-94 Jan-96 Jan-98 Jan- 00 Jan- 02 Jan-04 Jan-06 Jan-08 Jan-10 Jan-12 Jan-14     •   •  •  •  •  •  •  •  • 8

  11. 9

  12. 2/26/2014             GENE                         10

  13. 11

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