FirstRand Limited provides banking, insurance and investment products and services to retail, commercial, corporate and public sector customers in South Africa and various African countries. The Company consists of a portfolio of financial services franchises, including First National Bank (FNB), a retail and commercial bank; Rand Merchant Bank (RMB), a corporate and investment bank; WesBank, its installment finance business, and Ashburton Investments, its investment management business. The Company's segments include FNB, FNB Africa, RMB, WesBank and FCC. FNB includes activities in the retail and commercial segments in South Africa. RMB includes activities in the corporate and investment banking segments in South Africa. WesBank includes activities in asset-based finance and related products in the retail, commercial and corporate segments of South Africa and rest of Africa, and asset-based motor finance through MotoNovo Finance in the United Kingdom.