FirstRand, through its portfolio of integrated financial services businesses, operates in South Africa, certain markets in sub-Saharan Africa, the United Kingdom and India. The group has achieved its track record of delivering returns to shareholders through organic growth, acquisitions, innovation and creating new businesses. Listed on the Johannesburg Stock Exchange (JSE) and the Namibian Stock Exchange (NSX), FirstRand is among the largest financial institutions by market capitalization in Africa. The group executes its strategy through its portfolio of financial services franchises: First National Bank (FNB), a retail and commercial bank; Rand Merchant Bank (RMB), a corporate and investment bank; WesBank, an instalment finance provider.