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A summary of our financial year’s performance.

2025 first quarter operational update

The first quarter of 2025 was characterized by escalating global geopolitical tensions and evolving economic policies. The group achieved solid growth, driven by its diverse operations across products, market segments, and geographies. Additionally, excellent cash generation and a strong capital foundation have continued to position the group favourably.

Earnings

+15% Net result from financial services
+22% Net operational earnings

Life insurance new business volumes (present value of new business premiums)

-3% on 2024
+4% on a normalised basis

Net value of new covered business (VNB)

-20% on 2024
+4% on a normalised basis


Net VNB margin

2,22%

Group net client cash inflows

R20 billion
+>100% on 2024


Press release SENS announcement Investor call recording

2024 Annual results

Return on Group Equity Value per share

+20,3%

Net results from financial services per share

+14%
(25% including reinsurance recapture fee)

Group new business volumes

+6%


Life insurance new business volumes (PVNBP)

R103,2 billion
+3%

Net value of new covered business (VNB)

R2 902 million
+2%

Net VNB margin

2,81%
(2023: 2,85%)

View results summary

Nine-month operational update

Earnings

+15% Net result from financial services
+17% Net operational earnings

Life insurance new business volumes (present value of new business premiums)

+12%

Net value of new covered business (VNB)

+13%


Net VNB margin

2,81%

Group net client cash inflows

R40 billion
+>100%


Press release SENS announcement Investor call recording

2024 Interim results

Return on Group Equity Value per share

9,3% for the six-month period
Adjusted RoGEV of 10,7% for the six-month period

Earnings

+14% Net result from financial services (+19% per share)

+15% Cash net result from financial services (+20% per share)

+8% Net operational earnings (+12% per share)

Life insurance new business volumes (present value of new business premiums)

R51 billion
+14%


Net value of new covered business (VNB)

R1 394 million
+10%

Net VNB margin

2,73%


View results summary