Sanlam Value Chain Analysis
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This Sanlam Value Chain Analysis gives you a clear, structured view of how Sanlam creates value through its support activities and primary activities. This page already includes a real preview of the actual analysis, so you can review the format and content before buying. Purchase the full version to get the complete ready-to-use report.
Support Activities
Firm Infrastructure
Sanlam's firm infrastructure links governance, capital allocation, risk oversight, and regulatory control across insurance, investments, wealth, and capital markets. That matters because Sanlam is a multi-line group, so one control layer helps keep products aligned and solvency protected across markets.
In 2025, this support layer sat behind a group that managed assets and liabilities across many businesses, so tight board oversight and capital discipline were key to preserving brand trust. Strong central coordination also helps Sanlam apply the same risk rules and reporting standards across all operating units.
Human Resource Management
In Sanlam's 2025 fiscal year, Human Resource Management supports a wide base of actuaries, underwriters, investment professionals, advisers, and client-service teams, which helps keep pricing discipline and claims decisions tight. Training and hiring also lift advice quality and portfolio control, so Sanlam can keep service standards more consistent across Africa, India, and other selected markets. That people engine matters because Sanlam's 2025 normalised headline earnings rose 14% to R18.0 billion, showing how skilled teams feed operating performance.
Technology Development
Sanlam's 2025 technology layer supports digital onboarding, policy administration, claims handling, analytics, and advisor tools, so manual work drops and turnaround times improve. It also helps Sanlam coordinate clients and products across its multi-country insurance and investment setup. In practice, this makes service faster, cleaner, and easier to scale.
Procurement
Sanlam procures technology services, data, reinsurance, professional services, and outsourced support. In 2025, this helps Sanlam keep costs flexible, meet tight regulation, and reduce delays when demand shifts across markets. Strong sourcing also lets Sanlam add capability fast without building every function in-house.
- Low friction in a regulated model
- Better resilience through outside partners
- Scales faster across markets
Sanlam's support engine powered 14% earnings growth in 2025
In Sanlam's 2025 fiscal year, support activities kept a large, multi-market group aligned across governance, people, tech, and sourcing. Central control mattered more because normalised headline earnings rose 14% to R18.0 billion, so tighter oversight helped protect scale and service quality. Digital tools, trained staff, and external suppliers also cut friction across insurance and investment operations.
| Support activity | 2025 signal |
|---|---|
| HR | 14% earnings growth |
| Tech | Faster onboarding, claims |
| Procurement | Flexible, scalable support |
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Primary Activities
Inbound Logistics
Sanlam's inbound logistics is the intake of applications, client data, premium instructions, mandates, and market feeds. Clean intake supports underwriting, investment processing, and account setup, while cutting rework and lowering error risk. In 2025, this front-end flow matters even more because faster, cleaner data shortens the path from application to revenue.
Operations
In 2025, Sanlam served more than 19 million clients across Africa and India, so scale matters in underwriting, claims, and advice. Its operations turn client premiums and savings into protection, returns, and capital market execution, which supports margin control and retention. Strong claims handling and investment management help keep service costs tight and client trust high.
Outbound Logistics
Sanlam's outbound logistics is the fast, accurate delivery of policy documents, account statements, portfolio reports, claim settlements, and digital client messages. In financial services, this is information flow, not physical shipping, so timing and precision matter more than trucks or warehouses. When Sanlam sends updates quickly and correctly, it builds trust and cuts service follow-up costs.
Marketing and Sales
Sanlam sells through advisers, brokers, direct channels, partnerships, and institutional links, so it can reach individuals, businesses, and institutions across fragmented markets. This broad route-to-market supports scale and local reach.
Cross-selling insurance, investment, and wealth products can lift revenue per client and improve retention. In FY2025, that mix matters because it spreads acquisition cost across more products and deepens the client relationship.
Service
Sanlam's service covers policy administration, claims support, portfolio reviews, and relationship management. In a long-duration business, fast claims handling and regular reviews help keep policies in force, protect assets under management, and lift referral rates. Strong service also supports pricing power and client loyalty when markets turn volatile, which matters for a group with millions of clients across Africa and its international businesses.
Sanlam's FY2025 engine: 19M+ clients, faster service, stronger retention
Sanlam's primary activities in FY2025 centre on selling, underwriting, investing, and servicing insurance, savings, and wealth products. It served more than 19 million clients across Africa and India, so speed and accuracy in claims, portfolio handling, and advice shape revenue and retention.
Its channel mix of advisers, brokers, direct sales, and partnerships broadens reach and spreads acquisition cost across more products. Strong service keeps policies in force and supports cross-sell into insurance, investments, and wealth.
| FY2025 metric | Value |
|---|---|
| Clients served | 19+ million |
| Primary activity focus | Underwriting, investing, servicing |
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Frequently Asked Questions
Firm infrastructure and technology support the model most. Sanlam operates across Africa, India, and selected other markets, so governance, capital allocation, and risk controls matter at scale. Sanlam also spans 4 solution areas: life insurance, general insurance, investment management, and wealth management, which increases coordination needs and raises the value of standardized systems and oversight.
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