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Gross written premium

    ZAR       USD    
  2015 2016 2017 2018 2015 2016 2017 2018
Total  1,366,633,464 1,543,064,207 1,722,382,318 1,878,524,908 101,684,038  114,811,325  128,153,446  139,771,199
SA 765,450,735  793,305,126 709,569,539 593,595,932 56,953,180 59,025,679 52,795,353  44,166,364
Int 601,182,729 749,759,081 1,012,812,779 1,284,928,976 44,730,858 55,785,646 75,358,094 95,604,835

 

Gross underwriting result before management expense

    ZAR       USD    
  2015 2016 2017 2018 2015 2016 2017 2018
Total 111,230,751 122,809,330 -3,167,754 -28,464,947 8,276,098 9,137,599 -235,696 -2,117,928
SA 98,636,362 34,437,719 -115,071,745 44,422,142 7,339,015 2,562,330 -8,561,886 3,305,219
Int 12,594,389 88,371,611 111,903,991 -72,887,089 937,083 6,575,269 8,326,190 -5,423,147

Combined ratio

    ZAR       USD    
  2015 2016 2017 2018 2015 2016 2017 2018
Total 91.9% 92.0% 100.2% 101.5% 91.9% 92.0% 100.2% 101.5%
SA 87.1% 95.7% 116.2% 92.5% 87.1% 95.7% 116.2% 92.5%
Int 97.9% 88.2% 89.0% 105.7% 97.9% 88.2% 89.0% 105.7%

 

Margin

    ZAR       USD    
  2015 2016 2017 2018 2015 2016 2017 2018
Total 8.1% 8.0% -0.2% -1.5% 8.1% 8.0% -0.2% -1.5%
SA 12.9% 4.3% -16.2% 7.5% 12.9% 4.3% -16.2% 7.5%
Int 2.1% 11.8% 11.0% -5.7% 2.1% 11.8% 11.0% -5.7%

*Santam Re results were reported in Rands.
**Used average rate (R/US of 13.32) for twelve months ended 31 December 2017 to convert numbers from ZAR to USD.