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Every step adds up to a mutual story.

Every choice we make adds up to create something
greater than the sum of its parts.

See how it could
add up for your
Profit-Share.

What sets PPS apart is how
Mutuality adds up to
Profit-Share* being allocated
to our members.

With a few details, we can
calculate your illustrative
Profit-Share estimate if you
move your portfolio to PPS.

Calculate how it adds up
for you.

Value creation for members has always
been the measure of PPS’s success.
In 2025, every decision was guided by
one question: how does this strengthen
the benefits we deliver to graduate
professionals? These efforts are not just
about performance today – they are
about building confidence and security
for generations to come.

Izak Smit
PPS Group Chief Executive Officer

PPS 2025 Integrated Report highlights

R6.88 billion

Total Profit-Share allocated to members

14572

Profit-Share millionaires

▲Up 22.5% from 2024

R13.55 billion

Value shared with members

The PPS Profit-Share Account™ reflects the accumulated value of annual allocations to members holding qualifying life-risk products, based on operating
experience and investment performance. Amounts may be positive or negative and are invested until vesting at retirement from age 60, on death or limited
policy terms. Past performance does not guarantee future results. The PPS Profit-Share Account™ balance is at 31 December 2025.

As global and local economies
navigate uncertainty, the need
for organisations that prioritise
shared benefit and resilience has
never been greater. PPS stands
ready to meet this need. Our
purpose remains clear: to help
members live the lives they want
to live in a world worth living in.

Dr Sybil Seoka
Chairman: PPS Holdings Trust Board

Our efforts add up
to record-breaking results.

Together, PPS and our members made 2025 a year to be proud of.

Our Profit-Share allocations added up to R6.88 billion – the highest
it’s ever been. In 2025, we saw more impact, more mutuality and more
delivered promises than ever before.

This success comes down to our unique model of mutuality,
where every choice is made with the collective in mind, and every
win is shared with our members.

ACCESS FULL REPORT

Record-breaking results
that add up to a year
of mutual success

PPS 2025 INTEGRATED REPORT

Every step adds up to a mutual story.

Every choice we make adds up to create something
greater than the sum of its parts.

See how it could
add up for your
Profit-Share.

What sets PPS apart is how
Mutuality adds up to
Profit-Share* being allocated
to our members.

With a few details, we can
calculate your illustrative
Profit-Share estimate if you
move your portfolio to PPS.

Calculate how it adds up
for you.

R6.88 billion

14572

▲Up 22.5% from 2024

R13.55 billion

As global and local economies
navigate uncertainty, the need
for organisations that prioritise
shared benefit and resilience has
never been greater. PPS stands
ready to meet this need. Our
purpose remains clear: to help
members live the lives they want
to live in a world worth living in.

Our efforts add up
to record-breaking results.

Interview with PPS Group CEO and PPS CFO

Get in touch.
The next step is to call us on 0860 123 777 or we will call you.

Record-breaking resultsthat add up to a yearof mutual success

PPS 2025 INTEGRATED REPORT

Every step adds up to a mutual story.

Every choice we make adds up to create somethinggreater than the sum of its parts.

See how it could add up for your Profit-Share.

What sets PPS apart is how Mutuality adds up to Profit-Share* being allocated to our members. With a few details, we can calculate your illustrative Profit-Share estimate if you move your portfolio to PPS. Calculate how it adds up for you.

R6.88 billion

14572

▲Up 22.5% from 2024

R13.55 billion

As global and local economies navigate uncertainty, the need for organisations that prioritise shared benefit and resilience has never been greater. PPS stands ready to meet this need. Our purpose remains clear: to help members live the lives they want to live in a world worth living in.

Our efforts add up to record-breaking results.

Interview with PPS Group CEO and PPS CFO

Get in touch.The next step is to call us on 0860 123 777 or we will call you.

Record-breaking results
that add up to a year
of mutual success

Every choice we make adds up to create something
greater than the sum of its parts.

See how it could
add up for your
Profit-Share.

What sets PPS apart is how
Mutuality adds up to
Profit-Share* being allocated
to our members.

With a few details, we can
calculate your illustrative
Profit-Share estimate if you
move your portfolio to PPS.

Calculate how it adds up
for you.

As global and local economies
navigate uncertainty, the need
for organisations that prioritise
shared benefit and resilience has
never been greater. PPS stands
ready to meet this need. Our
purpose remains clear: to help
members live the lives they want
to live in a world worth living in.

Our efforts add up
to record-breaking results.

Get in touch.
The next step is to call us on 0860 123 777 or we will call you.