FirstRand Limited, together with its subsidiaries, provides transactional, lending, investment and insurance products and solutions in South Africa, rest of Africa, the United Kingdom, rest of Europe, Asia, the Americas, and Australia. It operates in Retail and Commercial, Corporate and Institutional, and Centre segments. The company offers savings and investment products; mortgage loans and commercial property finance; credit and debit cards; personal loans; debtor and leveraged finance; securities-based lending; foreign exchange; funeral, credit life, life, and short term insurance policies; and various services, including transactional and deposit taking, card-acquiring, credit facilities, insurance, trust and fiduciary services, rewards programme, FNB Connect, merchant services, and cash management solutions. It also provides vehicle finance and fleet management; and value-added products and services related to vehicle ownership comprising maintenance and service plans, warranties, and credit life and shortfall cover. In addition, the company offers corporate finance, leveraged finance, resource sector solutions, infrastructure sector solutions, real estate finance, debt capital markets, debt trade solutions, sponsor services, corporate broking, loan syndications, coverage, advisory, corporate transactional banking, and principal investments, as well as market-making and financial risk management solutions. It serves retail, small and medium-sized enterprises, business, agriculture, medium corporate, and public sector entities. The company was incorporated in 1966 and is based in Sandton, South Africa.