Sanlam’s long-term success is inseparable from the resilience of the societies in which we operate. In markets where social and economic vulnerability remains pronounced, our approach to sustainability is anchored in the belief that inclusive growth, social development and responsible governance are essential to creating enduring value. The group is taking deliberate steps to strengthen how social development is governed, co-ordinated and measured. Under the oversight of the Social Impact and Advisory Council (SIAC), this work is focusing on improving coherence and accountability across social development initiatives delivered by Sanlam businesses, markets and partners. In our future reporting, we will present a consolidated group-wide view of social development that provides strategic context and establishes a reference point for future comparisons. This view will enhance leadership’s ability to understand the scale and alignment of Sanlam’s social development footprint within the group’s broader ESG framework. This year’s report reflects a conscious response to feedback from previous reporting cycles. Stakeholders have consistently indicated that impact is best understood through depth, evidence and learning at programme level. Accordingly, while the group-wide view provides context, the report deliberately emphasises detailed programme-level reporting, recognising that this is where outcomes, effectiveness and accountability are most clearly demonstrated. In this regard, the Sanlam Foundation plays a central role – not only as the group’s primary social investment vehicle, but also as a steward of impact practice, measurement discipline and continuous improvement. The sections that follow provide insight into how the Foundation translates strategy into action through targeted interventions that support resilience, inclusion and opportunity. This approach strengthens the integrity of our ESG reporting and reinforces our commitment to transparency, credible measurement and long-term value creation. The message that follows from the Head of the Sanlam Foundation provides a deeper account of the pathways, programmes and learning that form the core of this report. I want to acknowledge the Sanlam Foundation team for the quality and depth of work reflected in this report. In particular, I thank Ray-ann Sedres for her leadership in strengthening social impact governance, measurement and reporting across the group. Shadi Chauke Group Executive: Corporate Affairs and Sustainability Message from the Group Executive: Corporate Affairs and Sustainability Sanlam Foundation Annual Report 2025 4 About this report Sanlam Foundation social impact 2025 Message from the Group Executive: Corporate Affairs and Sustainability Message from the Head of the Sanlam Foundation Strategic aspirations Our theory of change Programmatic performance Monitoring and evaluation Income and expense report Group-wide social impact intent Our partners
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