FirstRand

**FirstRand Limited**, wanda kuma ake kira FirstRand Group shine kamfanin riƙe **Bankin** FirstRand, kuma mai ba da sabis na kuɗi ne a Afirka ta Kudu. Yana daya daga cikin masu ba da sabis na kuɗi da Bankin Tsaro na Afirka ta Kudu, mai kula da banki na ƙasa ya ba da lasisi.

## Bayani na gaba ɗaya
An lissafa shi a kan JSE da Kasuwancin Kasuwancin Namibian, FirstRand Limited yana ɗaya daga cikin manyan cibiyoyin kuɗi a Afirka ta Kudu, kuma yana ba da banki, inshora da samfuran saka hannun jari da sabis ga masu siyarwa, kasuwanci, kamfanoni da abokan ciniki na jama'a.

Baya ga Afirka ta Kudu, kungiyar tana aiki a manyan kasashe takwas na Afirka, wato, Botswana, Namibia, Swaziland, Lesotho, Zambia, Mozambique, Tanzania, Ghana da Najeriya. Bankin FirstRand yana da rassa a London, Guernsey da Indiya.

FirstRand yana aiwatar da dabarun ta ta hanyar fayil na manyan kamfanonin sabis na kuɗi; Rand Merchant Bank (RMB), bankin kamfanoni da saka hannun jari; First National Bank (FNB), bankin tallace-tallace da kasuwanci; WesBank, mai ba da kuɗi; da Ashburton Investments, kasuwancin kula da kadarorin kungiyar.

Kungiyar tana da hedikwatar ta a Johannesburg, Afirka ta Kudu. FirstRand na ɗaya daga cikin manyan rukunin banki guda biyar a Afirka ta Kudu da Afirka ta Kudu.

## Tarihi
Tarihin kungiyar FirstRand ya koma shekarun 1970s a matsayin bankin saka hannun jari. Kungiyar kamar yadda aka kafa a halin yanzu a ranar 1 ga Afrilu 1998, ta hanyar haɗuwa da ayyukan kuɗi na Anglo American Corporation of South Africa Limited (yanzu Anglo American plc) da RMB Holdings (RMBH) don cimma burin haɗin gwiwar sabis na kuɗi.

Wadannan ayyukan kudi sun kasance Bankin Kasa na Farko, Momentum Life Assurers Limited ("Momentum" yanzu wani ɓangare na MMI Holdings) da Southern Life Association Limited ("Southern Life") dukansu an jera su a kan JSE. An kafa FNB da Southern Life a matsayin cikakkun rassa na Momentum wanda shine abin hawa don shafar haɗuwa. Momentum ya canza sunansa zuwa FirstRand Limited kuma an jera shi a kan Kasuwancin Kasuwancin Johannesburg a ranar 25 ga Mayu 1998 tare da Anglo American da RMB Holdings da ke riƙe da 20.43% da 25.03% na babban birnin da aka ba da izini na FirstRand bi da bi. Anglo American tun daga lokacin ya zubar da dukkan hannun jarinsa.

Bayan abubuwan da suka faru sun ga haɗuwa da Bankin Rand Merchant da FNB don samar da Bankin FirstRand Limited, tare da raka'a biyu da suka rage don kasuwanci a matsayin bangarori na Bankin FirstLand Limited da kuma canja wurin kasuwancin inshora na Momentum zuwa na Southern Life, don samar da FirstRand Insurance Limited.

FirstRand an jera shi a matsayin "banki mai sarrafawa" ta Bankin Tsaro na Afirka ta Kudu, mai kula da banki na kasa. Kungiyar tana da rassa a Afirka ta Kudu da kuma kasashen Botswana, Mozambique, Namibia, Lesotho, Tanzania, Ghana, Zambia, Najeriya da Burtaniya.

A watan Nuwamba na shekara ta 2012, Babban Bankin Najeriya ya ba da lasisin banki na farko a cikin sama da shekaru goma ga RMB Najeriya da wani kamfani na gida.

## Kamfanoni membobin
Kungiyar FirstRand tana riƙe da saka hannun jari ta hanyar manyan rassa biyar. Wadannan rassa da rassa don haka mambobi ne na FirstRand Group sun hada da, amma ba a iyakance su ga masu zuwa ba:

* **FirstRand Bank Limited** - Afirka ta Kudu - yana ba da cikakken kewayon dillalai, kasuwanci, kamfanoni da ayyukan banki na saka hannun jari a Afirka ta Kudu kuma yana ba da samfuran ƙima a wasu kasuwannin duniya. :  FirstRand Bank yana da manyan sassa guda uku waɗanda aka yi musu alama daban, watau:
** Bankin Kasa na Farko - FNB shine sashin dillali da bankin kasuwanci na FirstRand Bank.
** Rand Merchant Bank - RMB shine sashin kamfanoni da saka hannun jari na Bankin FirstRand.
** **WesBank** - Shine sashin kuɗin kuɗi na FirstRand Bank. WesBank shi ne babban mai ba da lamuni na motoci a Afirka ta Kudu.
** Baya ga sassan uku, FirstRand Bank yana da rassa a London, Indiya da Guernsey, da ofisoshin wakilai a Kenya, Angola, Dubai da Shanghai.
* **FirstRand Investment Holdings Proprietary Limited (FREMA)** - 100% Shareholding - Afirka ta Kudu - Kamfanin riko da kamfanonin sabis na kudi na FirstRand Group a sauran Afirka da sauran kasuwanni masu tasowa. Ƙungiyoyin da aka gudanar ta hanyar FREMA sun haɗa da:
** FirstRand International (Mauritius) - Raba hannun jari 100% - Mauritius - Kamfani mai riƙe da hannun jari na Afirka.
** First National Bank Botswana Limited - 69% Raba hannun jari - Botswana - Bankin kasuwanci wanda ke samar da dillalai da banki na kamfanoni. An jera bankin a kan musayar hannun jarin Botswana . 
** First National Bank of Ghana Limited - 100% Shareholding - Ghana - Bankin kasuwanci wanda ke ba da tallace-tallace da banki na kamfanoni.
** First National Bank Lesotho Limited - 100% Raba hannun jari - Lesotho - Bankin kasuwanci wanda ke ba da dillali da banki na kamfani.
** First National Bank Mozambique Limited - 90% Raba hannun jari - Mozambique - Bankin kasuwanci wanda ke ba da dillali da banki na kamfanoni.
** First National Bank Namibia Limited - 58% Shareholding - Namibia - Bankin kasuwanci wanda ke samar da dillalai da banki na kamfanoni. An jera bankin a kan Namibia Stock Exchange .
*** OUTsurance Namibia - 51% Shareholding - Namibia - Kamfanin inshora a Namibia. An gudanar da shi ta hannun bankin First National Bank Namibiya yana bawa ƙungiyar gabaɗayan iko da kashi 30%. OUTsurance Holdings yana riƙe da 49% na kamfani.
** First National Bank Swaziland Limited - 100% Shareholding - Swaziland - Bankin kasuwanci wanda ke samar da dillalai da banki na kamfanoni.
** First National Bank Tanzaniya Limited - 100% Raba hannun jari - Tanzaniya - Bankin kasuwanci wanda ke ba da dillali da banki na kamfani.
** First National Bank Zambia Limited - 100% Shareholding - Zambia - Bankin kasuwanci wanda ke ba da dillalai da banki na kamfanoni.
** Rand Merchant Bank Nigeria - 100% - Shareholding - Nigeria - Bankin kamfanoni da zuba jari a Najeriya.
* **FirstRand International Limited (Guernsey)** - 100% Raba hannun jari - kamfani mai riƙe don kasuwancin banki na Burtaniya:
** Aldermore Bank Plc - 100% Raba hannun jari - Bankin ƙwararrun Burtaniya 
* **FirstRand Investment Holdings Proprietary Limited (FRIHL)** - 100% Shareholding - Afirka ta Kudu - Kamfanin mallakar FirstRand Group na sauran ayyukan da ba na banki ba. Ƙungiyoyin da aka gudanar ta hanyar FRIHL sun haɗa da:
** Direct Axis SA (Pty) Ltd - 100% Raba hannun jari - Afirka ta Kudu - ƙwararrun sabis na kuɗi 
** RMB Private Equity Holdings (Pty) Ltd - Kashi 96% Raba hannun jari - Afirka ta Kudu
** RMB Private Equity (Pty) Ltd - Kashi 93% Raba hannun jari - Afirka ta Kudu
** RMB Securities (Pty) Ltd - Raba hannun jari 100% - Afirka ta Kudu
** RMB Morgan Stanley (Pty) Ltd - 50% Raba hannun jari - Afirka ta Kudu - Haɗin gwiwa tare da Morgan Stanley .
** RMB Australia Holdings Limited - 100% Raba hannun jari - Ostiraliya - Bankin saka hannun jari a Ostiraliya.
* **FirstRand Investment Management Holdings Limited** - 100% Raba hannun jari - Afirka ta Kudu - Wannan shine kamfani mai riƙe da ayyukan sarrafa kadarorin ƙungiyar.
** Ashburton Fund Managers (Pty) Limited - Raba hannun jari 100% - Afirka ta Kudu
** Ashburton Investor Services (Pty) Limited - Raba hannun jari 100% - Afirka ta Kudu
** Kamfanin Gudanarwa na Ashburton (Pty) Limited - Raba hannun jari 100% - Afirka ta Kudu
** Ashburton Investments International Holdings Limited - 100% hannun jari - Afirka ta Kudu
** Kamfanin Gudanarwa na RMB CIS (Pty) Limited - 100% Raba hannun jari - Afirka ta Kudu
* **FirstRand Insurance Holdings (Pty) Ltd** - 100% Raba hannun jari - Afirka ta Kudu - Wannan shine kamfani mai riƙe da kasuwancin inshora na FirstRand. Ƙungiyoyin da aka gudanar ta hannun FirstRand Insurance Holdings sun haɗa da:
** Tabbacin Rayuwa na FirstRand - Raba 100% - Afirka ta Kudu
** FirstRand Short-Term Insurance Limited - 100% Raba hannun jari - Afirka ta Kudu
** Kamfanin Sabis na Assurance na FirstRand (FRISCOL) - Raba hannun jari 100% - Afirka ta Kudu

## Mallaka
An jera FirstRand a kan Kasuwancin Kasuwancin Johannesburg da Kasuwancin Namibian. Manyan masu hannun jari sun hada da:

1→ RMB Holdings manyan masu hannun jari sun hada da Daraktoci da gudanarwa na RMBH tare da 10.4%, Remgro tare da 28.2% hannun jari a RMBH da Royal Bafokeng Holdings tare da 15% hannun jari a cikin RMBH.

2→ Dangane da hannun jari kai tsaye da kai tsaye a cikin FirstRand, tasirin Remgro na kungiyar shine 13.36%

## Kyaututtuka

* Mafi kyawun Mai Yin Bankin, Afirka ta Kudu a cikin 2016 ta Global Brands Magazine Award.

## Bayanan da aka yi amfani da su

## Haɗin waje

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