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DISCLAIMER








                The IRMSA Risk Report South Africa Risks      with new risks continually emerging. The
                2022 (8  Edition) is published by the Institute   report should therefore be read and used in
                       th
                of Risk Management South Africa (IRMSA        this context.
                or ‘the Institute’) under the guidance of the
                IRMSA Risk Intelligence Committee. The        The opinions expressed in this report are
                information in this report has been obtained   valid only for the purpose stated herein and
                from sources that the Institute believes to be   >à œv ̅i `>Ìi œv «ÕLˆV>̈œ˜°  œ œLˆ}>̈œ˜
                reliable and to have been provided in good    ˆÃ  >ÃÃՓi`  ̜  ÀiۈÃi  ̅ˆÃ  Ài«œÀÌ  ̜  ÀiyiVÌ
                faith. The content of this report has not been   changes, events or conditions that occur
                ˆ˜`i«i˜`i˜ÌÞ  ÛiÀˆwi`°   œ  Ài«ÀiÃi˜Ì>̈œ˜   subsequent to the date hereof. The vendor
                or warranty, express or implied, is made      names mentioned in this document do not
                as to the accuracy or completeness of any     represent all possible vendors. They are the
                information obtained from third parties. In   trademarks of their respective owners and
                addition, the comments, deductions and        >Ài  “i˜Ìˆœ˜i`  vœÀ  ˆ`i˜ÌˆwV>̈œ˜  «ÕÀ«œÃiÃ
                opinions in this report may provide current   only. IRMSA is not, by means of including
                and future expectations of future events      such vendor names herein, advocating for or
                – all based on individual and/or collective   >}>ˆ˜ÃÌ >˜Þ ëiVˆwV Ûi˜`œÀ œÀ «Àœ`ÕVÌ°
                experiences, as well as a wide range of       All decisions in connection with the
                assumptions. These may include statements     implementation or use of advice or
                that do not directly relate to a historical fact   recommendations  contained    in   this
                or a current fact.                            document are the sole responsibility of the
                This report highlights risks and other factors,   user. This document does not represent
                which are not to be considered exhaustive.    investment advice, nor does it provide
                Participants contributing to this report      an opinion regarding the fairness of any
                operate in an ever-changing environment,      transaction to any and all parties.









                INSTITUTE OF RISK MANAGEMENT SOUTH AFRICA

                The report and e-book are available on the IRMSA website
                Institute of Risk Management South Africa
                +27 11 555 1800
                www.irmsa.org.za









           IRMSA RISK REPORT • SOUTH AFRICA RISKS • EIGHTH EDITION  2
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