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Liberty Holdings

Investment Proposition

Why invest in Liberty

Our proud history

Liberty is a well-known South African brand with a growing presence across Africa. For nearly 60 years, Liberty has created value for investors by meeting customers’ financial needs through developing and delivering appropriate insurance and investment products and services..

Our core competencies

Strong distribution capacity with over 3 600 advisers, being enhanced by investment in digital and direct channels

Our relationship and bancassurance partnership with Standard Bank provides a competitive advantage on the African continent

Innovative product development capability, enabling the launch of products such as Bold, Evolve, Agile, Term Life, STANLIB unit trust tax free savings account, the STANLIB Kenya I-REIT and the Liberty Two Degrees REIT
We serve customers in multiple geographies, currently 24 African countries
LibFin provides world-class balance sheet management and facilitates differentiating features in product offerings
Strong investment management capability in STANLIB, particularly in fixed income and property asset classes

Our strategy

Our strategic intent to 2020 remains on track, with renewed focus on:

Expansion initiatives to drive value by increasing our exposure to growth markets by:

  • Investing in markets with higher growth than traditional markets
  • Investing in additional business lines that increase penetration of existing markets
  • Launching new products that are more capital efficient

Ensuring that the business is responsive to changing environments and consumer behaviours through:

  • Providing broader omni-channel customer engagement platforms
  • Providing relevant customer propositions
  • Protecting current value and maximising the opportunities arising from regulatory change

A sustainable and attractive return on investment, realised over time through dividends and share price growthWe are resolute in developing competitive value propositions for our customers, driving efficiency through simplifying our operations, managing risk appropriately, deploying capital effectively and pursuing profitable growth opportunities over the long term.

Our targets

Sustainable return on group equity value of long bond rate plus a margin within a range of 5% Sustainable dividend growth of between 8 – 10% Return on IFRS equity of 19%

Liberty today

Largest provider of insurance solutions in the retail affluent market in SA One of the largest in the retail unit trust market including money market Liberty has a unique bancassurance partnership with Standard Bank Group who owns 54% of the issued share capital 4th largest provider of insurance solutions in SA employee benefits market

We have unique capabilities to unlock identified opportunities

INDIVIDUAL ARRANGEMENTS

GROUP ARRANGEMENTS

ASSET MANAGEMENT

  • Strong relevant brand to the affluent market
  • Strong distribution capability in our chosen market segment
  • Attractive product set and product development capability (e.g. Evolve and Agile)
  • Strong track record in the SME market in South Africa
  • Extensive African footprint with presence in 18 countries
  • Capability to serve companies in multiple geographies (e.g. healthcare)
  • Insurance model easily replicated in new geographies
  • Unique and strong investment propositions (property and fixed interest capabilities)
  • Shared services platform leveraged across 10 geographies
  • Strong offshore partner (e.g. Columbia Threadneedle)

GROUP WIDE

Relationship with Standard Bank

Balance sheet management

Group enablement functions facilitate efficient operations

Investor

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