Reward Current Account
The everyday banking account with no monthly fee for maintaining the account and other free services.
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Travel insurance, mobile phone insurance, car breakdown cover and more.
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An account packed with everything you need to help make the most of your studies and lots more.
Read moreInvestment Banking
We are a leading solutions-driven Corporate and Investment Bank that offers our clients innovative advisory and financing solutions.
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Technology that keeps getting better.
We never stop looking for ways to make banking simpler, smarter and better. And as our customer, you should always expect to see new developments from us. Try chatting with Leo on FB messenger or WhatsApp, use our Mobile App or simply dial our USSD codes. Its that easy.
- Mobile Banking
- Online Banking
- Deposit With ATM
- Online Account Opening
Hamza Shatela
Founder ofISB Bank
Our Client Coverage team offers a single point of contact by navigating, co-ordinating, using and enriching the services of RMB and the rest of the FirstRand Group.
The team members have strong backgrounds in corporate banking, global markets and investment banking and approach the market in specialised industry teams. The sector teams gather and provide insight into each environment, including the needs, nuances, policies, market drivers and role-players in each. By leveraging deep banking knowledge with specialist insight and a thorough understanding of our clients businesses, we offer a true banking partnership to clients and stakeholders in the following sectors:
- Financial Institutions
- Manufacturing
- Public Sector
- Real Estate
- Construction
- Technology
- Logistics
- Media
- Retail services
- Oil and Gas
- Telecommunications
- Retail
Our multidisciplinary Debt Capital Markets (DCM) team gives clients in sub-Saharan Africa access to capital markets in Africa and internationally in the Eurobond markets, to meet their debt capital raising requirements.
We focus on debt issuance in markets where we have a full banking presence. We are the leading player in the advisory, arrangement and facilitation of bond issuances in sub-Saharan DCM. We deliver innovative and optimised solutions to clients across a broad spectrum of industries through:
- Corporate bonds
- Sovereign bonds
- Convertible bonds
- Infrastructure Bonds
- Securitisations
- Inflation linked notes
- Interest loan notes
- Bond issuance
- Commercial Paper and others
Our unique Principal Investments (PI) funding solution enables us to structure, advise and fund bespoke transactions in the mezzanine or shareholder layers of the capital structure.
We deploy this solution in all major asset classes, typically by providing quasi-debt or preferred equity funding at either company or shareholder levels. We are not limited by asset classes and over the past decade have implemented it in a range of assets, including the corporate, real estate, renewable energy, BEE, mining and telecoms sectors. One of the main features of our PI solution is the flexibility that it provides to companies and investors. It is also attractive for BEE transactions where parties require flexibility (given the limited amount of cash flows available).
Our partnership approach enables:
- Funding that is covenant-light, typically limited-recourse and roll-up in nature (five to seven years). This gives management and shareholders the breathing room to focus on core business activities and aligns the repayment of the facility with corporate action or an exit.
- A long-term view on the performance of the business or asset.
We would consider the PI solution where there is a need to fund:
- Liquidity for distributions to shareholders.
- Equity bridges with a view to an IPO or other liquidity event.
- Monetising of stakes without having to sell.
- Following of rights issues or capital calls.
- MediaGrowth initiatives where senior debt capacity has been depleted
Our Bank has one of the largest advisory teams in Africa. The team has been ranked as the leading Corporate Finance team in South Africa for the past five years.
Our Bank Corporate Finance team forms an integral part of the global corporate finance advisory team and has been involved in several leading advisory transactions, including:
- Mergers and Acquisitions
- Valuations
- Listings
- Corporate restructurings
- Equity-linked funding
- Capital raisings
- Share buy-back solutions
- LBO transactions
- Principal investments
Our Leveraged Finance team advises, develops and structures innovative, multi-disciplinary and integrated financial solutions across the entire debt financing spectrum.
The team has led and concluded several high-profile leveraged finance and preference share deals for clients:
- Corporate acquisitions
- Balance sheet optimisation
- Recapitalisations
- Management buy-outss
- Leveraged buy-outs
- BEE transactions
The team covers all aspects of debt financing, including:
- Debt and capital structure advisory
- Debt arranging and structuring.
- Term debt funding (senior and mezzanine).
- Hybrid capital funding solutions including quasi equity and equity-linked options.
- Corporate bonds issuances (convertible bond issuances)
- Syndication through an extensive distribution network into the banking and investment markets
As the worlds emerging economies continue to expand, energy consumption is expected to increase substantially. Our Resource Finance team offers innovative and optimised solutions to enable clients in the mining, oil and gas industries to deliver resources to fuel the energy needs in sub-Saharan Africa.
The Resource Finance team collaborates with a number of business units within RMB to provide holistic solutions to clients through:
- Project finance and limited recourse offerings
- Acquisition finance for mergers and acquisitions through a range of products including normal loans, preference shares and bridging loans.
- Oil and gas finance with a specific focus on the upstream (development finance, receivables finance and reserve based lending), midstream (oil and gas pipelines and storage facilities) and oil services industries
- Corporate debt solutions and balance sheet optimisation to optimise the capital structures and tax position of companies
- Commodity linked financing for non-traditional commodity loans such as gold and copper loans
