FirstRand Ltd. engages in the provision of banking, insurance, and investment products and services to retail, commercial, corporate, and public sector customers through its subsidiaries. It operates through the following segments: FNB, RMB, WesBank, and FCC and Other. The FNB segment represents the company's activities in the retail and commercial segments. The RMB segment covers the group's activities in the corporate and investment banking segments. The WesBank segment composes of the group's activities in the vehicle and asset finance in the retail, commercial and corporate segments operating primarily through alliances and joint ventures with leading motor manufacturers, suppliers, and dealer groups. The FCC and Other segment consists of key group-wide functions, including group treasury, finance, tax, enterprise risk management, regulatory risk management and group internal audit. Its products include mortgage loans, credit and debit cards, personal loans and investment products, and services comprise transactional and deposit taking, card acquiring, credit facilities and FNB distribution channels. The company was founded in February 1998 and is headquartered in Johannesburg, South Africa.