Question: Julian Victor Frow Roberts was the chief executive of an international investment, savings, insurance, and banking group established in which country ?
Context: Fabrizio Cerina is an investment banker and chairman of international investment banking group Crédit des Alpes. Lloyds Banking Group plc is a major British financial institution formed through the acquisition of HBOS by Lloyds TSB in 2009.  The Group's history stems from the founding in 1695 by the Parliament of Scotland of the Bank of Scotland, which is the second oldest bank in the United Kingdom.  The Group's headquarters is located at 25 Gresham Street in the City of London and its registered office is on The Mound in Edinburgh.  Lloyds Banking Group's activities are organised into: Retail Banking (including Mortgages and Sole Traders); Commercial; Life, Pensions & Insurance; and Wealth & International.  Lloyds' has extensive overseas operations in the US, Europe, the Middle East and Asia. The Insular Life Assurance Company, Ltd. (commonly known by its trade name, Insular Life) is a mutual life insurance company in the Philippines.  Established on November 25, 1910 in Manila, it is the first Filipino life insurance company.  The company offers individual and group life, health, and retirement insurance plans.  It provides allied financial services such as general insurance, banking, healthcare, lending and investment through subsidiaries and affiliate companies in its eponymous corporate group.  Insular Life was once a member of the Ayala Corporation until 1987, when it became a mutual company owned by its policyholders.  Its current Chairman of the Board is Luis C. la Ó and its Chief Executive Officer is Nina Aguas.  As of 2015, it is the seventh largest life insurer in the Philippines in terms of premium income. Siddharth N. "Bobby" Mehta was former CEO and vice chairman of HSBC North America.  Mehta served as an Advisor of TransUnion since December 31, 2012.  Mehta serves as consultant of TransUnion.  He served the chief executive officer and president of TransUnion from August 2007 to December 31, 2012, and Transunion Financing Corp. until December 31, 2012.  From May 2007 to July 2007, he served as a consultant to the board of directors at TransUnion.  He served as the chief executive officer and president of TransUnion until December 31, 2012.  He served as the chief executive officer of TransUnion LLC.  He served as chairman of the board and chief executive officer of HSBC Finance Corporation from April 2005 to February 2007.  He served as chief executive officer and president of TransUnion LLC from 2007 to 2012.  From 1998 to 2007, he held a variety of positions with HSBC Finance Corporation and HSBC North America Holdings, Inc.  Mehta served as chief executive officer of HSBC North America until February 2007.  Mehta served as consultant of TransUnion since May 2007 until July 2007.  Mehta served as group managing director of HSBC Holdings PLC of HSBC Finance Corp. since April 30, 2005, and its unit chief executive officer since March 2005.  He served as the chief executive of HS BC North America Holdings Inc., of HSBC Finance Corp., from March 2005 to February 15, 2007.  He served as an executive chairman of HSBC Financial Corporation Limited since April 2005 and served as its chief executive officer from April 2005 to February 15, 2007.  He served as the chief executive officer of HSBC Bank USA, N.A. until February 2007.  He served as the chief executive officer of HSBC North America Holdings Inc. since March 2005.  He served as chairman and chief executive officer of HSBC Financial Corp., Ltd.  He oversaw HSBC's global credit card services, its North American consumer lending and mortgage services businesses and its first mortgage operation.  He was also responsible for corporate marketing, strategic planning and corporate development for HSBC North America Holdings Inc. and had responsibility for the strategic management of credit cards throughout the HSBC Group.  Mehta served as group executive of Credit Card Services, Auto Finance and Canada of Household International Inc., since July 2002.  He worked at MasterCard’s U.S. region board since March 2000.  Mehta joined Household International Inc., in 1998.  He served as senior vice president of The Boston Consulting Group in Los Angeles and co-leader of Boston Consulting Group Financial Services Practice in the United States.  Mehta served as a director of Global Board of MasterCard Incorporated since March 17, 2005.  He served as unit chairman of HSBC Holdings PLC and served as its board member since March 2005.  He served as vice chairman and director of HSBC Financial Corporation Limited., (Formerly Household International Inc.).  He has been a director of Avant Credit Corporation since December 18, 2014.  He has been an independent director of The Allstate Corporation since February 19, 2014.  He serves as a member of the advisory board at Core2 Group, Inc.  He has been non-executive independent director at Piramal Enterprises Ltd since April 1, 2013.  He serves on the boards of Datacard, Chicago Public Education Fund, University of Chicago Laboratory Schools, The Economic Club of Chicago, The Field Museum and Myelin Repair Foundation.  He serves as a director of TransUnion Corp. and TransUnion LLC.  He served as a director of MasterCard International Inc. (also known as MasterCard Worldwide) (formerly, MasterCard Inc.), since March 17, 2005.  He served as a director of HSBC Financial Corp.  Ltd.  He has been a director of TransUnion since April 2012.  Mehta serves on the board of international advisors for the Monterey, California, Institute of International Studies and is a member of the Financial Services Roundtable.  He also serves on the board of advisors for the Myelin Repair Foundation.  Mehta holds a Bachelor of Arts in economics from the London School of Economics and Masters of Business Administration from the University of Chicago.  He stepped down as head of the North American unit after the lender raised its forecast for bad loans in the U.S.  He is of Indian descent. HBOS plc is a banking and insurance company in the United Kingdom, a wholly owned subsidiary of the Lloyds Banking Group, having been taken over in January 2009.  It is the holding company for Bank of Scotland plc, which operates the Bank of Scotland and Halifax brands in the UK, as well as HBOS Australia and HBOS Insurance & Investment Group Limited, the group's insurance division. Kennebunk Savings is a mutual savings organization that was founded in 1871 in Kennebunk, Maine.  Kennebunk Savings serves York County and Seacoast New Hampshire with 15 branch locations.  Kennebunk Savings is a full service financial institution that offers personal and business banking products including deposit accounts, mortgages, home equity loans and credit lines; personal and business insurance through Kennebunk Savings Insurance; and financial planning and investment advisory services through Kennebunk Investment Services. Old Mutual plc is an international investment, savings, insurance, and banking group.  Established in 1845 in South Africa, it had more than 19 million customers and £394.9 billion assets under management as of 31 December 2016.  It is listed on the London Stock Exchange and Johannesburg Stock Exchange and is a constituent of the FTSE 100 Index. Julian Victor Frow Roberts (born 7 June 1957) is a British businessman.  He was the chief executive of Old Mutual plc, an international long-term savings group until October 2015. A non-bank financial institution (NBFI) is a financial institution that does not have a full banking license or is not supervised by a national or international banking regulatory agency.  NBFIs facilitate bank-related financial services, such as investment, risk pooling, contractual savings, and market brokering.  Examples of these include insurance firms, pawn shops, cashier's check issuers, check cashing locations, payday lending, currency exchanges, and microloan organizations.  Alan Greenspan has identified the role of NBFIs in strengthening an economy, as they provide "multiple alternatives to transform an economy's savings into capital investment [which] act as backup facilities should the primary form of intermediation fail." Scottish Widows is a life, pensions and investment company located in Edinburgh, Scotland, and is a subsidiary of Lloyds Banking Group.  Its product range includes life assurance, pensions, investments and savings.  The company has been providing financial services to the UK market since 1815 and is the most trusted life, pensions and investment provider in the UK according to a 2010 Ipsos study.  The company sells products through independent financial advisers, direct to customers and through Lloyds Banking Group bank branches.
Answer: South Africa