Financial Mail Survey 18 October 2002 Santam CONTENTS

Overview - Dynamic history

Profit margins - Flourishing in a tough industry

Customer relations - The cost of rising crime

Corporate responsibility - Meeting new challenges

Shareholder wealth - Looking after the punters

Specialist niche insurance - The new giant yellow umbrella

Restructuring - Changing with the times

Moving offshore - UK market is the first step

Technology - A computer-aided business

Fraud - Catching up with the cheats

Branding - A well-loved logo

Writer: Stafford Thomas

Copyright: Financial Mail 2002