Member description: We are committed to finding tailored solutions to uniquely local challenges, and everything we do focuses on creating value for our stakeholders. To this end we offer a universal set of products and services across retail, business, corporate, investment and wealth banking as well as investment management and insurance solutions. Listed on the JSE, the Absa Group is one of Africa’s largest diversified financial services groups with a presence in 15 countries. We own Banks1 in Botswana, Ghana, Kenya, Mauritius, Mozambique, Seychelles, South Africa, Tanzania (Absa Bank Tanzania and National Bank of Commerce), Uganda and Zambia as well as insurance operations in Botswana, Kenya, Mozambique, South Africa and Zambia. We also have representative offices in Namibia, Nigeria and securities entities in the United Kingdom and the United States as well as an IT specialist office in the Czech Republic. 1 Banks are wholly owned apart from the following where we hold majority stakes: Botswana 67.8%, Kenya 68.5%, Mozambique 98.7%, National Bank of Commerce, Tanzania 55% and Seychelles 99.8%. Through our Absa Cyber Security Academy we are building skills across the African Continent.