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SENS - SFN Implementation of Disposal ABL - 1 November 2024 |
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SENS Distribution Of Circular And Notice Of GM |
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Circular To Sasfin Holdings Shareholders |
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SENS SHL - IAR - Notice of AGM - BBBEE Certificate - 31 October 2024 |
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SENS Dispensation Received On 60 Day Rule To Dispatch Circular |
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SENS Intra Group Repurchase Of Treasury Shares |
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SENS Audited Consolidated Annual Financial Statements for the year ended 30 June 2024 - Short Form Announcement |
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SENS Appointment of Chair of the Board of Sasfin Wealth Proprietary Limited |
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SENS Update Relating To Publication Of Financial Results |
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SENS Trading Statement for the Year Ended 30 June 2024 |
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SENS Notice of Delay in Publication of Financial Results |
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SENS Update Regarding The Subscriptions For Shares In Sasfin Wealth By Unitas And Wipfin, The Offer, Proposed Delisting And Withdrawal Of Cautionary Announcement |
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SENS Appointment Of Independent Non Executive Director |
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SENS ABL Sanction Strategic Update 6 August 2024 |
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SFN Appointment of Acting Company Secretary 5 August 2024 |
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SFN Cautionary And Terms Announcement - 15 July 2024 |
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SENS: Extension Of Suspensive Conditions SHL - ABL |
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SENS: Basel Pillar 3 Report for the quarter ending 31 March 2024 |
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SENS: Appointment of Alternate Executive Director and Resignation of Company Secretary – 10 May 2024 |
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SENS: Results of general meeting to approve the disposal of the capital equipment finance business and the commercial property finance business of Sasfin Bank to African Bank Limited |
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SENS: Redemption of SASP Series 2 Notes |
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SENS Pillar III Risk Management Report 31 December 2023 |
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SENS: Unaudited condensed consolidated interim results for the six months ended 31 December 2023 - short form announcement |
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SENS: Distribution of Circular and notice of general meeting |
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Sasfin Holdings Limited Circular and notice of general meeting (disposal of the CEF and CPF Businesses to African Bank Limited (category 1 transaction in terms of the Listings Requirements of the JSE Limited) |
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SENS: SFN Change in Chair and functions of directors – 20 March 2024 |
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SENS: Trading statement for the six months ended 31 December 2023 |
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SENS SARS Summons On Sasfin Bank |
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SENS SFN Cat 1 Disposal Of CEF And CPF Businesses To African Bank - 23 February 2024 |
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SENS - SFN Changes to the Board Chair - 12 February 2024 |
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SENS Results of the AGM 30 January 2024 |
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SENS Global Credit Rating Co (“GCR”) Affirms Sasfin Bank Limited’s national scale issuer credit ratings with a rating watch evolving outlook |
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SENS short form Basel Pillar III Disclosure report 30 September 2023 |
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Dispensation received on 60 day rule to dispatch circular regarding the African Bank transaction |
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SENS short form Basel Pillar III Disclosure report 30 June 2023 |
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SENS - IAR distribution - Notice of AGM - BBBEE certificate - Chair resuming duties_2023 |
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SENS AUDITED CONSOLIDATED ANNUAL RESULTS FOR THE YEAR ENDED 30 JUNE 2023 |
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Sasfin Holdings Annual Financial Statements for the year ended 30 June 2023 |
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SENS: Trading Statement for the financial year ended 30 June 2023. |
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SENS Announcement: CATEGORY 1 DISPOSAL BY SASFIN BANK LIMITED OF ITS CAPITAL EQUIPMENT FINANCE AND COMMERCIAL PROPERTY FINANCE BUSINESSES TO AFRICAN BANK LIMITED |
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SENS Announcement: STRATEGIC UPDATE AND NOTICE OF FURTHER DELAY IN PUBLICATION OF FINANCIAL RESULTS |
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SENS Notice of Delay in Publication of Financial Results and Voluntary Trading Update |
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SENS Sasfin Bank GCR credit rating |
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SENS Short Form Basel Pillar III Risk Management report 31 March 2023 |
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SENS Notification of Change in Beneficial Interest |
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SENS Short Form Basel Pillar III Risk Management report 31 December 2022 |
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SENS Acquisition of Securities By An Associate Of Directors |
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SENS Unaudited condensed consolidated interim results for the six months ended 31 December 2022 (short form). |
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SENS Trading Statement for The Six Months Ended 31 December 2022 |
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SENS Availability Of 2022 Integrated Report, Distribution of Notice of Annual General Meeting and Availability Of B-BBEE Certificate |
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SENS Sasfin summarised results announcement and Dividend Declaration for the year ended 30 June 2022 |
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SENS Notification of financial assistance provided to a subsidiary company in terms of sections 45(5) of the Companies Act, 71 of 2008 |
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SENS Trading Statement For The Year Ended 30 June 2022 |
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SENS Sasfin Bank GCR rating confirmation |
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SENS Basel Pillar III Disclosure Report for the year ended 30 June 2022 |
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SENS Dealing In Securities By A Prescribed Officer Of The Company: 2 June 2022 |
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SENS Change To The Board Of Directors: Appointment Of Group Financial Director: 04 April 2022 |
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SENS Basel Pillar III Risk Management report 31 March 2022 |
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SENS Basel Pillar III Risk Management report 31 December 2021 |
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SENS Dealing in securities by an associate of directors: 11 March 2022 |
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SENS Notification of change in beneficial interest of shareholder: 15 March 2022 |
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SENS Summarised unaudited condensed consolidated interim results for the six months ended 31 December 2021 and cash dividend |
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SENS Trading Statement For The Six Months Ended 31 December 2021 |
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SENS Resignation of Group Financial Director - Angela Pillay |
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SENS Basel Pillar III Disclosure Report for the quarter ended 30 September 2021 |
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SENS Changes to the Board and functions of Directors |
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SENS Results of the AGM 25 November 2021 |
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SENS Basel Pillar III Disclosure Report for the year ended 30 June 2021 |
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SENS Voluntary announcement: Sasfin Executive Management update: 28 October 2021 |
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SENS Shareholder Administrative Information and Notice of 34th Annual General Meeting to be held on 25 November 2021 |
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SENS Availability of 2021 Integrated Report, No Change Statement, Notice of AGM and Availability of B-BBEE Certificate: 27 October 2021 |
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SENS Summarised annual results for the year ended 30 June 2021, dividend declaration and changes to the Board: 31 August 2021 |
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SENS Sasfin Holdings Limited Trading Statement for the year ended 30 June 2021: 16 August 2021 |
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SENS Change of Directors: 30 June 2021 |
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SENS Finalisation Announcement In Respect Of Scheme Of Arrangement 18 June 2021 |
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SENS Circular and notices of shareholders’ for the repurchase offer to Sasfin preference shareholders: 5 May 2021 |
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SENS Circular and notices of shareholders’ for the repurchase offer to Sasfin preference shareholders: 5 May 2021 |
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SENS Sasfin Holdings Limited Trading Statement for the half year ended 31 December 2020: 18 February 2021 |
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SENS Further Cautionary Announcement- Preference Share Repurchase: 3 February 2021 |
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SENS Consolidated Interim Results for the half year ended 31 December 2020 (Unaudited) |
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SENS Further Cautionary Announcement- Preference Share Repurchase: 29 December 2020 |
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SENS Global Credit Rating confirmation to Sasfin Bank Limited: 9 December 2020 |
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SENS Implementation of disposal of interest in Efficient Group: 3 December 2020 |
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SENS Change of RemCo Chair: 1 December 2020 |
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SENS Sasfin Holdings Limited Trading Statement for the quarter ended 30 September 2020: 26 November 2020 |
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SENS Sasfin Holdings Limited Results of AGM: 27 November 2019 |
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SENS Further Cautionary Announcement for non-redeemable, noncumulative, non-participating, variable rate Preference Share Repurchase: 13 November 2020 |
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SENS Withdrawal of Cautionary announcements- Disposal of interest in Efficient group: 5 October 2020 |
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SENS Renewal of Cautionary Announcement Efficient Group Offer: 30 September 2020 |
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SENS Sasfin Holdings Limited Annual Results for the year ended 30 June 2020: 30 September 2020 |
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SENS Cautionary Announcement for non-redeemable, noncumulative, non-participating, variable rate Preference Share Repurchase: 30 September 2020 |
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SENS Sasfin Holdings Limited Trading Statement for the year ended 30 June 2020: 11 September 2020 |
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SENS Change of Directors: 20 August 2020 |
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SENS Renewal of Cautionary Announcement Efficient Group Offer: 7 July 2020 |
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SENS Sasfin Holdings Limited Trading Update and Statement for the year ended 30 June 2020: 8 June 2020 |
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SENS Withdrawal of Cautionary Announcements- Strategic Investment Arise: 1 June 2020 |
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SENS Cautionary Announcement- Efficient Group Offer: 26 May 2020 |
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SENS Cautionary Announcement- Strategic Investment Arise: 13 May 2020 |
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SENS Cautionary Announcement Strategic Investment Arise: 12 May 2020 |
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SENS Cautionary Announcement- Strategic Investment Arise: 25 March 2020 |
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SENS Further Cautionary Announcement Dealings in securities: 12 February 2020 |
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SENS Further Cautionary Announcement Dealings in securities: 02 January 2020 |
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SENS Change of Directors and Company Secretary: 20 December 2019 |
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SENS Sasfin Holdings Limited Results of AGM: 27 November 2019 |
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SENS Cautionary Announcement- Dealings in securities: 14 November 2019 |
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SENS Further Cautionary Announcement Dealings in securities:19 November 2019 |
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SENS No Change Statement,Notice of Annual General Meeting and Availability of B-BBEE Certificate: 28 October 2019 |
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SENS Sasfin Holdings Limited Annual Results for the year ended 30 June 2019: 17 September 2019 |
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SENS Sasfin Holdings Limited Trading Statement for the year ended 30 June 2019: 4 September 2019 |
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SENS Change of Directors: 6 August 2019 |
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SENS Change of Directors: 24 June 2019 |
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SENS Dislcosure of dealing in securities: 5 June 2019 |
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SENS Change of Directors: 16 April 2019 |
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SENS Availability of BEE Compliance Report: 3 April 2019 |
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SENS Change of Directors: 16 April 2019 |
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SENS Sasfin Holdings Limited Trading Statement for the half year ended 31 December 2017: 6 March 2018 |
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South African Securitisation Programme (RF) Limited Annual Financial Statements for the year ended 30 June 2024 |
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Sasfin Holdings Limited - Shareholders Booklet - 2024 |
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Sasfin Integrated Annual Report 2024 |
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Sasfin Annual Results Presentation for the year ended 30 June 2024 |
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Sasfin Holdings Annual Financial Statements for the year ended 30 June 2024 |
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Basel Pillar 3 Report for the quarter ending 31 March 2024 |
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Pillar III Risk Management Report For The Period Ending 31 December 2023 |
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Sasfin Holdings Limited interim results for the six months ended 31 December 2023 |
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Credit Rating Announcement |
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Sasfin Pillar III Risk Management report 30 September 2023 |
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Sasfin Bank Annual Financial Statement for the year 30 June 2023 |
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Sasfin Pillar III Risk Management Report June 2023 |
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Sasfin Integrated Annual Report 2023 |
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Sasfin Holdings - Shareholders Booklet - 2023 |
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South African Securitisation Programme (RF) Limited Annual Financial Statements for the year ended 30 June 2023 |
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Sasfin Holdings Limited Presentation of Annual Results for the year ended 30 June 2023 |
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Sasfin Holdings Annual Financial Statements for the year ended 30 June 2023 |
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Sasfin Bank Limited GCR Credit Rating announcement 31 August 2023 |
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Sasfin Pillar III Risk Management Report 31 March 2023 |
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Sasfin Pillar III Risk Management Report December 2022 |
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Sasfin Holdings Limited unaudited condensed consolidated interim results for the six months ended 31 December 2022 |
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Sasfin Holdings Limited Interim Results Presentation 31 December 2022 |
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Sasfin Integrated Annual report 2022 |
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Sasfin Pillar III Risk Management Report 30 September 2022 |
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Sasfin Bank Annual Financial Statement for the year ended 30 June 2022 |
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Sasfin Holdings Limited Presentation of Annual Results for the year ended 30 June 2022 |
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Sasfin Holdings Limited Summarised Consolidated Group Results and Dividend Declaration for the year ended 30 June 2022 |
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Sasfin Holdings Limited Annual Financial Statements for the year ended 30 June 2022 |
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Sasfin Bank Limited GCR rating annexure |
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South African Securitisation Programme (RF) Limited Annual Financial Statements for the year ended 30 June 2022 |
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Notice of Annual General Meeting and Shareholder Administrative Information for the year ended 30 June 2022 |
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Pillar III Risk Management Report for the year ended 30 June 2022 |
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Basil Pillar III Risk Management Report for the period ended 31 December 2021 |
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Sasfin Interim Results Presentation for the six months ended 31 December 2021 |
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Interim results for the six months ended 31 December 2021 (unaudited and condensed) |
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SENS Basel Pillar III Disclosure Report for the year ended 30 June 2021 |
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Sasfin Holdings Limited Intergrated Report For The Year Ended 30 June 2021 |
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South African Securitisation Programme (RF) Limited Annual Financial Statements for the year ended 30 June 2021 |
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Sasfin Holdings Limited Annual Financial Statements for the year ended 30 June 2021 |
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Summarised Consolidated Group Results, Dividend Declaration and Changes to the Board for the year ended 30 June 2021 |
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Sasfin Holdings Limited Presentation of Annual Results for the year ended 30 June 2021 |
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Sasfin Bank Limited Annual Financial Statements for the year ended 30 June 2021 |
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Notice of Annual General Meeting for the year ended 30 June 2021 |
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Sasfin Bank Limited Annual Financial Statements for the year ended 30 June 2020 |
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Sasfin Holdings Limited Annual Financial Statements for the year ended 30 June 2020 |
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Sasfin Holdings Summarised Audited Consolidated Group Results and Dividend Announcement for the year ended 30 June 2020 |
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Sasfin Holdings Consolidated Interim Results for the half year ended 31 December 2020 (Unaudited) |
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Sasfin Holdings Limited Annual Results Presentation for the year ended 30 June 2020 |
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Sasfin Holdings Limited Consolidated Interim Results Presentation for the half year ended 31 December 2019 |
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Sasfin Holdings Limited Consolidated Interim Results Presentation for the half year ended 31 December 2019 (Unaudited) |
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Sasfin Holdings Limited Shareholder Administrative Information and Notice of Annual General Meeting 29 November 2018 |
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Sasfin Holdings Limited Shareholder Administrative Information and Notice of Annual General Meeting 26 November 2019 |
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Sasfin Bank Limited Annual Financial Statements for the year ended 30 June 2019 |
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Sasfin Holdings Limited Annual Financial Statements for the year ended 30 June 2019 |
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Sasfin Holdings Limited Consolidated Results for the year ended 30 June 2019 |
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Sasfin Holdings Limited Annual Results Presentation for the year ended 30 June 2019 |
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South African Securitisation Programme (RF) Limited Annual Financial Statements for the year ended 30 June 2019 |
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Sasfin Holdings Limited Consolidated Interim Results Presentation for the half year ended 31 December 2018 |
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Sasfin Holdings Limited Interim Results for the half year ended 31 December 2018 |
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South African Securitisation Programme (RF) Limited Annual Financial Statements for the year ended 30 June 2018 |
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Sasfin Holdings Limited Annual Financial Statements for the year ended 30 June 2018 |
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Sasfin Holdings Limited Intergrated Report for the year ended 30 June 2018 |
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Sasfin Holdings Limited Annual Results Presentation for the year ended 30 June 2019 |
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Sasfin Holdings Limited Consolidated Interim Results Presentation for the year ended 30 June 2018 |
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South African Securitisation Programme (RF) Limited Annual Financial Statements for the year ended 30 June 2020 |
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Sasfin Holdings Limited Shareholder Administrative Information and Notice of Annual General Meeting 26 November 2020 |
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Sasfin Holdings Limited Intergrated Report for the year ended 30 June 2020 |
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Sasfin Holdings Limited Integrated Report for the year ended 30 June 2019 |
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Basel Pillar III Risk Management Report for the period ended 31 March 2022 |
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Basil Pillar III Risk Management Report for the period ended 31 December 2021 |
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Basel Pillar III Disclosure Report for the quarter ended 30 September 2021 |
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Basel Pillar III Disclosure Report for the quarter ended 31 March 2021 |
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Basel Pillar III Disclosure Report for the quarter ended 30 September 2020 |
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Basel Pillar III Disclosure Report for the six months ended 31 December 2019 |
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Basel Pillar III Disclosure Report for the quarter ended 30 September 2020 |
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Basel Pillar III Disclosure Report for the year ended 30 June 2019 |
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Basel Pillar III Disclosure Report for the quarter ended 31 March 2019 |
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Basel Pillar III Disclosure Report for the six months ended 31 December 2018 |
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SASP S2 Investor Report 30 September 2024 |
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SASP S3 Investor Report 30 September 2024 |
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SASP S1 Investor Report 30 September 2024 |
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SASP S1 Investor Report 31 August 2024 |
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SASP S2 Investor Report 31 August 2024 |
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SASP S3 Investor Report 31 August 2024 |
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SASP S3 Investor Report - July 2024 |
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SASP S1 Investor Report - July 2024 |
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SASP S2 Investor Report 31 July 2024 |
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SASP S3 Investor Report 30 June 2024 |
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SASP S2 Investor Report 30 June 2024 |
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SASP S1 Investor Report 30 June 2024 |
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SASP S3 Investor Report 31 May 2024 |
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SASP S1 Investor Report 31 May 2024 |
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SASP S2 Investor Report 31 May 2024 |
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SASP S1 Investor report 30 April 2024 |
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SASP S2 Investor Report 30 April 2024 |
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SASP S3 Investor Report 30 April 2024 |
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SASP S1 Investor report 31 March 2024 |
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SASP S2 Investor Report 31 March 2024 |
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SASP S3 Investor Report 31 March 2024 |
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SASP S1 Investor report 29 February 2024 |
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SASP S2 Investor report 29 February 2024 |
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SASP S3 Investor Report 29 February 2024 |
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SASP S1 Investor Report 31 January 2024 |
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SASP S2 Investor Report 31 Janaury 2024 |
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SASP S3 Investor Report 31 January 2024 |
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SASP S1 Investor Report 31 December 2023 |
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SASP S2 Investor Report 31 December 2023 |
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SASP S3 Investor Report 31 December 2023 |
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SASP S3 Investor Report 30 November 2023 |
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SASP S2 Investor Report 30 November 2023 |
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SASP S1 Investor Report 30 November 2023 |
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SASP S1 Investor report 30 September 2023 |
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SASP S2 Investor report 30 September 2023 |
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SASP S3 Investor report 30 September 2023 |
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SASP S1 Investor report 31 October 2023 |
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SASP S2 Investor Report 31 October 2023 |
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SASP S3 Investor Report 30 October 2023 |
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SASP S1 Investor report 31 August 2023 |
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SASP S2 Investor Report 31 August 2023 |
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SASP S3 Investor Report 31 August 2023 |
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SASP S1 Investor Report 31 July 2023 |
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SASP S2 Investor Report 31 July 2023 |
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SASP S3 Investor Report 31 July 2023 |
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SASP S1 Investor Report 30 June 2023 |
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SASP S2 Investor Report 30 June 2023 |
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SASP S3 Investor Report 30 June 2023 |
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SASP S1 Investor Report 31 May 2023 |
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SASP S2 Investor Report 31 May 2023 |
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SASP S3 Investor Report 31 May 2023 |
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SASP S1 Investor report 30 April 2023 |
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SASP S2 Investor report 30 April 2023 |
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SASP S3 Investor report 30 April 2023 |
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SASP S1 Investor report 31 March 2023 |
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SASP S2 Investor report 31 March 2023 |
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SASP S3 Investor report 31 March 2023 |
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SASP S1 Investor report 28 February 2023 |
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SASP S2 Investor Report 28 February 2023 |
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SASP S3 Investor Report February 2023 |
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SASP S1 Investor Report 31 January 2023 |
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SASP S2 Investor Report 31 January 2023 |
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SASP S3 Investor Report 31 January 2023 |
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SASP S1 Investor report 31 December 2022 |
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SASP S2 Investor Report 31 December 2022 |
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SASP S3 Investor Report December 2022 |
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SASP S1 Investor report 30 November 2022 |
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SASP S2 Investor Report 30 November 2022 |
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SASP S3 Investor Report November 2022 |
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SASP S1 Investor report 31 October 2022 |
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SASP S2 Investor Report 31 October 2022 |
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SASP S3 Investor Report 31 October 2022 |
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SASP S1 Investor report 30 September 2022 |
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SASP S2 Investor Report 30 September 2022 |
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SASP S3 Investor Report September 2022 |
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SASP S1 Investor report 31 August 2022 |
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SASP S2 Investor Report 31 August 2022 |
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SASP S3 Investor Report August 2022 |
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SASP S1 Investor report 30 June 2022 |
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SASP S2 Investor Report 30 June 2022 |
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SASP S3 Investor Report June 2022 |
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SASP S1 Investor report 31 July 2022 |
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SASP S2 Investor Report 31 July 2022 |
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SASP S3 Investor Report 31 July 2022 |
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SASP S1 Investor report 31 May 2022 |
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SASP S2 Investor Report 31 May 2022 |
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SASP S3 Investor Report 31 May 2022 |
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SASP S1 Investor report 31 March 2022 |
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SASP S2 Investor Report 31 March 2022 |
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SASP S3 Investor Report March 2022 |
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SASP S1 Investor report 30 April 2022 |
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SASP S2 Investor Report 30 April 2022 |
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SASP S3 Investor Report 30 April 2022 |
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SASP S1 Investor report 28 February 2022 |
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SASP S2 Investor Report 28 February 2022 |
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SASP S3 Investor Report February 2022 |
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SASP S1 Investor Report 31 January 2022 |
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SASP S2 Investor Report 31 January 2022 |
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SASP S3 Investor Report 31 January 2022 |
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SASP S1 Investor report 31 December 2021 |
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SASP S2 Investor report 31 December 2021 |
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SASP S3 Investor report 31 December 2021 |
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SASP S1 Investor Report 30 November 2021 |
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SASP S3 Investor Report 30 November 2021 |
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SASP S1 Investor Report 31 October 2021 |
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SASP S2 Investor Report 31 October 2021 |
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SASP S3 Investor Report 31 October 2021 |
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SASP S1 Investor Report 30 September 2021 |
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SASP S2 Investor Report 30 September 2021 |
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SASP S3 Investor Report 30 September 2021 |
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SASP S1 Investor Report 31 August 2021 |
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SASP S2 Investor Report 31 August 2021 |
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SASP S3 Investor Report 31 August 2021 |
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SASP S1 Investor Report 31 July 2021 |
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SASP S2 Investor Report 31 July 2021 |
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SASP S3 Investor Report 31 July 2021 |
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SASP S3 Investor Report 30 June 2021 |
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SASP S2 Investor Report 30 June 2021 |
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SASP S1 Investor report 30 June 2021 |
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SASP S1 Investor report 30 April 2021 |
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SASP S2 Investor Report 30 April 2021 |
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SASP S3 Investor Report 30 April 2021 |
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SASP S2 Investor Report 30 September 2020 |
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SASP S3 Investor Report 30 September 2020 |
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SASP S1 Investor Report 30 September 2020 |
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SASP S1 Investor Report 30 June 2020 |
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SASP S2 Investor Report 30 June 2020 |
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SASP S3 Investor Report 30 June 2020 |
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SASP S1 Investor Report 29 February 2020 |
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SASP S2 Investor Report 29 February 2020 |
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SASP S3 Investor Report 29 February 2020 |
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SASP 1 Investor Report 31 December 2019 |
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SASP 2 Investor Report 31 December 2019 |
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SASP 3 Investor Report 31 December 2019 |
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SASP 1 Investor Report 30 September 2019 |
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SASP 2 Investor Report 30 September 2019 |
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SASP 3 Investor Report 30 September 2019 |
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SASP S3 Investor Report 31 May 2019 |
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SASP S2 Investor Report 31 May 2019 |
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SASP S1 Investor Report 31 May 2019 |
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SASP S3 Investor Report 28 February 2019 |
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SASP S2 Investor Report 28 February 2019 |
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SASP S1 Investor Report 28 February 2019 |
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SENS Investor Report September 2022 |
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SENS Investor Report December 2020 |
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SENS Investor Report December 2021 |
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SENS Investor Report June 2021 |
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SENS Investor Report June 2022 |
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SENS Investor Report March 2021 |
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SENS Investor Report March 2022 |
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SENS Investor Report September 2021 |
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INTRODUCTION
The Board of Directors (the Board) of Sasfin Holdings Limited, “SHL”, or where the context requires, “the Group” subscribes to good corporate governance. It has developed a Board Charter in accordance with the recommendations of the King IV Report on Corporate Governance (King IV).
Whilst embracing the King IV principles of good governance, summarised in Annexure 1 attached, and the Basel Committee on Banking Supervision (Basel Committee) corporate governance principles for banks, summarised in Annexure 2 attached, the Board and SHL are required to be compliant with South African legislation (including the South African Constitution) and, in particular, the Banks Act, 1990, as amended, the Companies Act, 2008, as amended, and the JSE Listings Requirements.
This Board Charter is complementary to SHL’s Memorandum of Incorporation (“MoI”). It is not intended to amend or replace the MoI in any way whatsoever.
PURPOSE OF THE CHARTER
This Charter sets out:
Click here to access the Sasfin Holdings Limited Charter
Credit and Large Exposures Committee
It is the responsibility of the Credit and Large Exposures Committee to ensure that:
Directors’ Affairs and Nominations Committee
The Committee has monitoring, and decision-making responsibilities. The functions listed below shall be the common recurring activities of the Committee in discharging its mandate and responsibilities and serves as a guideline. The Committee may carry out additional functions and adopt other practices as may be appropriate.
The Committee is required to consider, monitor and report to the Boards on the key risks arising from and associated with the corporate governance requirements of King IV, Sections 60A (Compliance Function), 60B (Corporate Governance), 64B (Directors’ Affairs Committee) and Regulations 39 and 49 of the Banks Act and any corporate governance requirements of the Sasfin Group.
The Committee will assist the Boards to:
The Committee will report to the Board on the above.
Group Audit Committee
7.1 Duties in terms of section 64 of the Banks Act
Duties in terms of Section 94(7) of the Companies Act, 71 of 2008
Duties in terms of the JSE Listings Requirements
Compliance Duties
Internal Audit Duties
The Boards, through the Committee, assumes responsibility for Group Internal Audit (GIA) by setting the direction for the internal audit arrangements needed to provide objective and relevant assurance that contributes to the effectiveness of governance, risk management and control processes. It further:
Other Responsibilities
The Committee shall:
Committee members must be fully prepared for Committee meetings, to provide appropriate and constructive input on matters discussed.
Group Risk and Capital Management Committee
Human Resources and Remuneration Committee
It is the responsibility of the Human Resources and Remuneration Committee to ensure that
Information Technology Committee
It is the responsibility of the Information Technology Committee to ensure that:
Social and Ethics Committee
It is the responsibility of the Social and Ethics Committee to ensure that:
Other Responsibilities
Our view on corporate governance and meeting the four governance outcomes in King IV, namely an ethical culture, good performance, effective control and legitimacy, have been addressed in the 2019 Integrated Report. The key applications by Sasfin of the principles contained in King IV, with reference to the practices to demonstrate the application of the individual principles are explained in the table below. It includes page references to the Integrated Report (available at www.sasfin.com > Investor Relations > Results, Reports and Presentations) where further information is available.
Principle | Sasfin application | |
---|---|---|
PRINCIPLE 1 |
The governing body should lead ethically and effectively. |
The Board adheres to its fiduciary duties by providing leadership and strategic guidance aimed at protecting stakeholder interests and shareholder value within a governance framework which is reviewed for effectiveness on a regular basis. The Board evaluates its own performance and sets corporate governance objectives for itself annually. |
PRINCIPLE 2 |
The governing body should govern the ethics of the organisation in a way that supports the establishment of an ethical culture. |
The Board sets the Group's ethical tone and operates with a strong culture of integrity and ethical competence. Sasfin's values and ethical standards are integral to our stakeholder relationships and are implicit in how we do business. Our policies aim to mitigate market abuse, conflicts of interest, bribery and other unethical conduct. Other policies promoting positive ethics are also disseminated to employees and the SEC oversees the effectiveness, implementation, and suitability thereof with the assistance of the Group Ethics officer. |
PRINCIPLE 3 |
The governing body should ensure the organisation is and is seen to be a responsible corporate citizen. |
The Board, together with the SEC, assesses our business activities and CSR policies and strategy as well as the implementation thereof to ensure we contribute to society as a responsible and ethical corporate citizen. In particular, that our lending and investment activities are consistent with this approach and as explained elsewhere in this report, we are in the process of finalising our Sustainability Management Framework and strategy. |
PRINCIPLE 4 |
The governing body should appreciate that the organisation's core purpose, its risks and opportunities, strategy, business model, performance and sustainable development are all inseparable elements of the value-creation process. |
The Board delegates to management, via Group Exco, the formulation of strategy, which is considered and approved by the Board, including financial and non-financial key performance measures and targets over the short, medium and long term. The Board oversees the implementation thereof within Sasfin's overall operating context and evaluates management's performance against the set targets, purpose and strategic focus areas. |
PRINCIPLE 5 |
The governing body should ensure reports issued by the organisation enable stakeholders to make informed assessments of the organisation's performance and its short-, medium- and long-term prospects. |
The Board is responsible for the Integrated Report and approves interim and year-end communications, including all SENS announcements, disclosures made in terms of Regulation 43 of the Banks Act and other media statements. Governance and assurance processes are in place to review the completeness and accuracy of reports and information. |
PRINCIPLE 6 |
The governing body should serve as the focal point and custodian of corporate governance in the organisation. |
The Board, supported by the DANC, ensures applicable governance practices and principles are adhered to, and acknowledges it is responsible for the performance and strategic direction of the Group. The Board has adopted a charter setting out its responsibilities, duties and accountability towards Sasfin. The charter is reviewed annually. The Board has agreed on its governance objectives for 2022. Sasfin's governance practices are disclosed in this report. |
PRINCIPLE 7 |
The governing body should comprise the appropriate balance of knowledge, skills, experience, diversity and independence for it to discharge its governance role and responsibilities objectively and effectively. |
The Board comprises a balance of executive and non-executive members, with the majority being non-executive and independent. The Board is led by an independent Chair supported by a Lead independent director. The mix of skills, diversity, contribution and tenure of directors are assessed regularly by the DANC and annually by the Board as part of the Board effectiveness and performance review. A policy on the appointment of directors is in place to give effect to the PA Directive 4/2018, issued in terms of section 6(6) of the Banks Act and promotes sound corporate governance in relation to the appointment of directors and the independence of non-executive directors. This includes independence assessments, tenure, skills (fit and proper) requirements and the principles relating to the appointment of directors. |
PRINCIPLE 8 |
The governing body should ensure its arrangements for delegation within its own structures promote independent judgement, and assist with balance of power and the effective discharge of its duties. |
The Board delegated specific responsibilities to its committees in terms of approved charters and appoints the members of all the committees. Committee members are selected according to their suitability in terms of their qualifications, skills and experience, and are assessed through the annual Board effectiveness and performance review. All Board committees are chaired by independent Non-executive directors. The DANC makes certain the membership of committees is managed effectively to ensure an appropriate spread of responsibility and independence. The Exco and management operate under a defined delegation of authority framework, which aims to ensure effective collaboration and accountability. Details of membership and responsibilities of each committee are outlined in this report. |
PRINCIPLE 9 |
The governing body should ensure the evaluation of its own performance and that of its committees, its Chair and its individual members, support continued improvement in its performance and effectiveness. |
The Board conducted a self-assessment of its effectiveness and performance in 2022, including that individual directors and the Chair. during the year under review. The results indicated the Board operates effectively with the necessary leadership, skills and expertise, underpinned by a culture of transparency. The outcomes of the review, as well as focus areas for 2023, are summarised in this report. |
PRINCIPLE 10 |
The governing body should ensure the appointment of, and delegation to management contribute to role clarity and the effective exercise of authority and responsibilities. |
The Board oversees key executive appointments and is satisfied the delegation of authority framework and governance structures contribute to role clarity, oversight and the effective exercise of authority and responsibility. |
PRINCIPLE 11 |
The governing body should govern risk in a way that supports the organisation in setting and achieving its strategic objectives. |
The Board defines the Group's risk appetite and risk tolerance, which are formalised in risk appetite statements and relevant metrics based on input from the GRCMC. These are further broken down into measurable tolerance levels. Executive management oversight of the risk function is delegated to the Chief Risk officer who reports to the CEO. |
PRINCIPLE 12 |
The governing body should govern technology and information in a way that supports the organisation in setting and achieving its strategic objectives. |
The ITC oversees IT governance and monitors the development and execution of the IT strategy through an IT governance framework, policies and procedures. It provides oversight, monitors and evaluates significant IT risks, opportunities, investments and expenditure, and oversees the governance of IT risk. |
PRINCIPLE 13 |
The governing body should govern compliance with applicable laws and adopted, non-binding rules, codes and standards in a way that supports the organisation being ethical and a good corporate citizen. |
The Group's independent compliance function focuses on areas such as banking regulation, anti-money laundering, market conduct, statutory compliance, exchange control and regulatory interaction responsible for mitigating compliance risk. The Board acknowledges its accountability and provides the necessary guidance regarding managing compliance risk and ensures it obtains sufficient assurance in this regard and delegates specific oversight responsibility to the DANC. (GAC with effect from November 2022) Where relevant, other Board committees assist and support the DANC to perform specific compliance oversight, e.g. the GAC oversees compliance with the provisions of the Bank's Act and Regulations, to enable the preparation of returns and Annual Financial Statements that are free from material misstatement. |
PRINCIPLE 14 |
The governing body should ensure the organisation remunerates fairly, responsibly and transparently so as to promote the achievement of strategic objectives and positive outcomes in the short, medium and long term. |
REMCO reviews and approves the Group's remuneration policies in terms of its Board-approved mandate. It considers whether remuneration is fair and consistent and encourages behaviour that is aligned with the strategic direction, values and risk appetite of the Group through a combination of fixed and variable pay. The Group's remuneration policy and implementation report, included in this report, are subject to non-binding votes by shareholders. REMCO considers feedback received from shareholders in formulating remuneration policies. Refer to the SEC report for detail regarding a fairness review conducted by Group Risk. |
PRINCIPLE 15 |
The governing body should ensure assurance services and functions enable an effective control environment, and that these support the integrity of information for internal decision-making and of the organisation's external reports. |
The GACC has oversight responsibility for ensuring internal assurance functions and external assurance services facilitate an effective control environment. It does so by using the combined assurance provided by the Group's Risk, Compliance and Internal Audit departments as well as external audit reports to arrive at a holistic risk-based assessment of the Group's governance, risk management and control processes. The Group Exco and combined assurance forum support the GAC in its role and specifically oversee implementation of controls and review of processes. |
PRINCIPLE 16 |
In the execution of its governance role and responsibilities, the governing body should adopt a stakeholder-inclusive approach that balances the needs, interests and expectations of material stakeholders in the best interests of the organisation over time. |
The Board has identified all its key stakeholders and recognises the importance of maintaining good relationships with them. It manages stakeholder risk as an integral part of its overall risk management framework and business model, through routine engagement with key stakeholders and seeks to address stakeholder concerns in guiding the Group's future strategy and operating model. |
PRINCIPLE 17 |
The governing body of an institutional investor organisation should ensure responsible investment is practised by the organisation to promote good governance and the creation of value by the companies in which it invests. |
The Group has a social and environmental management system policy framework, which guides the Group's lending, client practices and investment activities and ensures the Group's activities do not breach international, social and environmental norms. The framework is integrated into operational processes, and the Group reports annually to the European Development Finance Institutions on its adherence to the framework. A responsible investment standard is also applied to investments made by the Wealth and BCB Pillars and is overseen by the SEC and GRCMC. |
Sasfin is committed to the highest standards of ethical, moral and legal business conduct. Ethical business behaviour is the responsibility of every person in Sasfin and forms an integral part of our relationship with our customers, suppliers, shareholders and other stakeholders.
We have a ‘zero tolerance’ approach towards fraud and will investigate every incident thoroughly.
Please report suspected fraud or any unethical behaviour to the dedicated lines below:
Sasfin has chosen to outsource the management of the Whistleblowing Line to an independent external service provider.
Anonymous tip-offs can be made as follows:
Fraud Risk Department
Tel: +27 11 531 9215 or +27 11 809 7500 (office hours)
Email address: reportfraud@sasfin.com
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