Sanlam

**ISanlam** yiqembu lezinsizakalo zezezimali zaseNingizimu Afrika elikomkhulu eBellville, Western Cape, eNingizimu Afrika.I-Sanlam yinkampani yomshwalense enkulu kunazo zonke e-Afrika.Isohlwini lweJohannesburg Stock Exchange, iNamibian Stock Exchange kanye ne - A2X .Yasungulwa ngo-1918 njengenkampani yomshwalense wempilo,Sanlam Group isithuthuke yaba yibhizinisi lezinsizakalo zezezimali ezihlukene. Amabhizinisi ayo amahlanu ahlanganisa iSanlam Personal Finance, Sanlam Emerging Markets, Sanlam Investments, Sanlam Corporate kanye neSanlam.

Imikhakha yaleli qembu yobungcweti ihlanganisa umshwalense (wempilo nowejwayelekile), ukuhlela izimali, impesheni yomhlalaphansi, ama-trust, izincwadi zefa, umshwalense wesikhashana, ukuphathwa kwempahla, ukulawula ubungozi kanye nemisebenzi yezimakethe ezinkulu, ukutshalwa kwezimali kanye nengcebo. Iqembu lisebenzela eNingizimu Afrika, Namibia, Botswana, Swaziland, Zimbabwe, Mauritius, Malawi, Zambia, Tanzania, Rwanda, Uganda, Kenya, Ghana, Nigeria, Mozambique, India, Malaysia nase-UK, futhi inentshisekelo yebhizinisi i-US, Australia, Burundi, Lesotho kanye nePhilippines.Inesandla kochwepheshe bomshwalense omncane, iMicro-Ensure Holdings Limited ese-UK, enomlando e-Afrika yonkana kanye ne-India ehlinzeka ngamaklayenti abhalisile angaphezu kwezigidi eziyi-10.

Ukuthola kwayo i-SAHAM Finances ngo-2018 kuyenze yaba ngumdlali wezezimali omkhulu kunawo wonke e-Afrika okungewona amabhange futhi kuyinikeze ithuba lokuchayeka eMorocco, Angola, Algeria, Tunisia, Niger, Mali, Senegal, Guinea, Burkina Faso, Cote D'Ivoire, ITogo, Benin, Cameroon, Gabon, Republic of the Congo, Madagascar, Lebanon kanye neSaudi Arabia.

NgoZibandlela wezi-2021, i-Sanlam Group yangena ezingxoxweni no-Allianz ukuze kutholwe iqembu lonke e-Afrika ngaphandle kweNingizimu Afrika. Izingxoxo zenziwa phakathi kwekomkhulu laleli qembu eKapa naseMunich.

## Umlando
I- **S** uid- **A** frikaanse **N** asionale **T** rust en **A** ssuransie **M** aatskappij Beperk (South African National Trust and Assurance Company Limited), i- Santam, yabhaliswa mhla zingama-28 kuNdasa 1918.Kwabe sekuthathwa isinqumo sokuguqula umnyango wokuqinisekisa impilo ube inkampani ehlukile, kwathi i- **S** **uid- A** frikaanse **N** asionale **L** ewens **A** ssuransie **M** aatskappij Beperk (South African National Life Assurance Company Limited), i-Sanlam, yabhaliswa mhla ziyisi-8 kuNhlangulana 1918.I-Sanlam, inkampani engaphansi kwayo, kamuva yaba inhloko yalo msebenzi, kuyilapho u-Sanlam elokhu egxile kumshwalense wesikhashana.

I-Sanlam ikhombise inzuzo encane ekupheleni konyaka wayo wokuqala, yamemezela ibhonasi, futhi yaqhubeka ikhula ngokuqhubekayo ukusuka lapho.

U-Santam wahlala engumnikazi wamasheya olawulayo kwaze kwaba ngu-1954 lapho i-Sanlam iba inkampani ezimele yokuqinisekisa impilo yomunye nomunye, kanye nomninimasheya omkhulu oyedwa e-Santam.

Ngokuhamba kweminyaka, ukugxila kwe-Sanlam kancane kancane kwasuka kumshwalense wempilo evamile kwaba ukuhlinzeka ngemikhiqizo namasevisi ezezimali anhlobonhlobo.Ngo-1998 i-Sanlam demutualised, ifaka ohlwini lwe- Johannesburg Stock Exchange (JSE) Ltd kanye ne- Namibian Stock Exchange .Lokhu kwashintsha i-Sanlam yasuka enkampanini ehlangene yaba inkampani yomphakathi enemali enkulu yamasheya, okuyiSanlam Life Insurance Ltd.Ngesikhathi esifanayo inkampani ehlukile, iSanlam Ltd, yafakwa njengenkampani engumzali weqembu lamabhizinisi akwaSanlam.Leli qembu laphinde lahlelwa kabusha laba amabhizinisi amaningana azimele ngaphakathi kwesakhiwo sebhizinisi likahulumeni.

Namuhla, iSanlam ingumnikezeli wezinsizakalo zezezimali ezihlukene onomkhiqizo obanzi ohlinzeka ngokuphakela zonke izingxenye zemakethe.Leli qembu likhule ngokuqhubekayo endaweni yalo kanye nasemhlabeni jikelele - manje selitholakala emazweni angama-33 ase-Afrika nase-India, Malaysia, UK kanye ne-Ireland, i-USA, Australia kanye ne-Philippines.

Ngo-2018, iSanlam yaphetha ngokuthola kwayo i-SAHAM Finances engu-$1.1 billion.Ukwengeza, leli qembu limemezele imininingwane yesivumelwano salo se-BEE sika-R11 billion, esizokwenza ukuthi inyuse ubunikazi bamasheya abansundu bufinyelele ku-18% kanye nobunikazi bomnotho abamnyama bufinyelele ku-35%. 

## Ukuhlonyiswa kwezomnotho
I-Sanlam kusukela ngo-1993 ibe nesandla ekufukulweni kwabantu abamnyama kwezomnotho okubanzi (B-BBEE) ngokusebenzisana kweqembu no-Ubuntu-Botho Investments. 

Ubambiswano lwe-Ubuntu-Botho B-BBEE luholele ekutheni i-consortium ebanzi yokuhlomisa abantu abamnyama ithenge amasheya angu-10% kwaSanlam kulokho okwakuzoba enye yemisebenzi yokufukula abantu abamnyama efinyelela kude eNingizimu Afrika kuze kube manje.

### U-Santam
I-Sanlam inenzalo ephumelelayo engu-60% ku-Santam, yona esebenza ngala mabhizinisi alandelayo:

* I-Santam Insurance - imigqa yendabuko kanye nebhizinisi eliphakathi nendawo
* I-MiWay kanye ne-Centriq  – umshwalense wesikhathi esifushane oya kumakhasimende ngokusebenzisa isiteshi sokusabalalisa esiqondile
* I-Santam Re – i-reinsurance ezimakethe ezisafufusa