Glossary

Acronyms
AIDS	Acquired Immune Deficiency Syndrome		JSE SRI	JSE Limited Socially Responsible Investment Index
AML	Anti-money laundering		Kl	Kilolitre
ASISA	Association for Savings and Investment in South  Africa		KPI	Key Performance Indicator
BBBEE	Broad-based Black Economic Empowerment		KPMG	A global company providing Audit, Tax and Advisory services
BEE	Black Economic Empowerment
BMI	Body Mass Index		kWh	Kilowatt hours
BUSA	Business Unity South Africa		LSM	Living Standards Measure
CCC	Client Contact Centre		NBI	National Business Initiative
CCMA	Commission for Conciliation, Mediation and Arbitration		NGO	Non-governmental Organisation
CDP	Carbon Disclosure Project		NHI	National Health Insurance
CE	Chief Executive		NSSS	National Social Security System
CEO	Chief Executive Officer		PHI	Policyholders' Interest committee
COP	Communication on Progress (Global Compact)		POPI	Protection of Personal Information Bill (proposed)
CRISA	Code for Responsible Investing		PPP	Public Private Partnership
CSI	Corporate Social Investment		PRI	Principles for Responsible Investment
dti	Department of Trade and Industry		RSA	Republic of South Africa
EAP	Employee Assistance Programme		SEB	Sanlam Employee Benefits
EBITDA	Earnings Before Interest, Taxes, Depreciation and Amortisation		SEM	Sanlam Emerging Markets
			SIIP	Sanlam International Investment Partners
EE	Employment Equity		SIM	Sanlam Investment Management
ESG	Environmental, social, governance		SME	Small to medium enterprises
Exco	Executive Committee		SMF	Sustainability Management Framework
FAIS	Financial Advisory and Intermediary Association		SPE	Sanlam Private Equity
FARF	Financial Task Force		SPF	Sanlam Personal Finance
FS Code	Financial Sector Code		SPI	Sanlam Private Investments
FSB	Financial Services Board		SPAB	Sanlam Provincial Advisory Board
FSC	Financial Sector Charter		SRI	Socially Responsible Investment
FTE	Full Time Employee		TCF	Treating Customers Fairly legislation
GHG	Greenhouse gas		UB	Ubuntu-Botho (empowerment partner)
GLP	Graduate Leadership Programme		UK	United Kingdom
GRI	Global Reporting Initiative		UN PRI	United Nations Principles for Responsible Investment
HCT	Human Capital Transformation		UNGC	United Nations Global Compact
HIV	Human Immunodeficiency Virus		USA	United States of America
HR	Human Resources		USB	University of Stellenbosch Business School
IMN	Information Management Network		VoC	Voice of the Customer
ISO	International Organization for Standardization		WBCSD	World Business Council for Sustainable Development
IT	Information Technology		WRI	World Resources Institute
ITISS	Information Technology Infrastructure Shared Services		WWF	World Wide Fund for Nature