When Sanlam reported its 2019 financial results a year ago it was one of the last of the old-style physical results presentations - and already the shadow of the Covid pandemic loomed.

Members of the audience were handed hand-sanitisers as they went into the Sanlam auditorium in Sandton. And the finance director revealed that the group just so happened to have a pandemic reserve in place, which it had set aside over a period of several years...

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