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DISCLAIMER

The IRMSA Risk Report ‘South Africa Risks 2021 (7th Edition) is published by the Institute of Risk Management South Africa under
the guidance of the IRMSA Risk Intelligence Committee. The information in this report has been obtained from sources that the
Institute believes to be reliable and to have been provided in good faith. The content of this report has not been independently
verified and no representation or warranty, express or implied, is made as to the accuracy or completeness of any information
obtained from third parties. In addition, the comments, deductions, and opinions in this report may provide current and future
expectations of future events all based on individual and/or collective experiences, plus a wide range of assumptions. These
may include statements that do not directly relate to a historical fact or a current fact. This report highlights risks and other
factors which are not to be considered exhaustive. Participants contributing to this report operate in a continually changing
environment with new risks emerging continually, and the report should therefore be read and used in this context.
The opinions expressed in this report are valid only for the purpose stated herein and as of the date of publication. No obligation
is assumed to revise this report to reflect changes, events, or conditions, which occur subsequent to the date hereof. The
vendor names mentioned in this document do not represent all possible vendors, are the trademarks of their respective
owners, and are mentioned for identification purposes only. IRMSA is not, by means of including such vendor names herein,
advocating for or against any specific vendor or product. All decisions in connection with the implementation or use of advice
or recommendations contained in this document are the sole responsibility of the user. This document does not represent
investment advice, nor does it provide an opinion regarding the fairness of any transaction to any and all parties.

INSTITUTE OF RISK MANAGEMENT SOUTH AFRICA

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

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