al Baraka Islamic Bank (AIB) has the honour of being the pioneer of Islamic banking in South Africa and has been operating South Africa for 20 years.

Nedbank - Group Limited is a bank holding company, with its principal banking subsidiary being Nedbank - Limited. The group provides a wide range of wholesale and retail banking services and a growing insurance, asset management and wealth management offering through five main business clusters, namely Nedbank - Capital, Nedbank - Corporate, Nedbank - Business Banking, Nedbank - Retail and Nedbank - Wealth. Focused on southern Africa, but with an aspiration to grow its business reach across the whole of the African continent, Nedbank - Group is positioned as a bank for all - from both a retail and a wholesale banking perspective. Acknowledged for its sustainability leadership, Nedbank - Group is the first and only carbon-neutral financial services organisation in Africa. Nedbank - Group's headquarters are in Sandton, Johannesburg, while it has large operational centres in Durban and Cape Town, complemented by a regional branch network throughout South Africa and facilities in

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