FirstRand Limited is a South African-based financial services group with a portfolio of leading, integrated financial services businesses. The company was formed in its current structure in 1998. Its main operations comprise FNB (First National Bank), a retail and commercial bank; RMB (Rand Merchant Bank), a corporate and investment bank; WesBank, a prominent provider of instalment finance; and Aldermore, a specialist bank in the United Kingdom. FirstRand's business model is founded on a principle of owner-management, which empowers its people to innovate and deliver superior outcomes for customers and shareholders across its operations in South Africa, the broader sub-Saharan Africa region, and the UK.