Business Directory

Our aim is to help you achieve your financial goals, whether investing towards your first house, your children’s education, or making sure that you have enough funds to retire comfortably.

We work closely with experts across M&G plc’s worldwide operations to bring you access to the latest technology, investment ideas and research. We incorporate sustainable thinking in everything we do, from the way we run our business to the impact we have on the planet and our communities.

Our business is built on the core values of care and integrity, and we pride ourselves on being able to provide exceptional service to you and all of our clients.

We help our clients achieve their financial goals, consistently applying our prudent valuation-based investment approach with the aim of protecting and growing their savings over time.

Our investment team, with over 400 years of collective experience, is dedicated to actively managing our clients’ funds, and we draw on our global affiliates for international expertise and best practice.

Liberty was founded in 1957 by Sir Donald Gordon who watched his father work hard all his life yet reap little financial reward for his efforts. This struggle ignited in him the overwhelming belief that all people should have the opportunity to grow their wealth and leave a proud legacy for their family. This belief is captured in our name and our flame, taken from the Statue of Liberty and imbued with the same meaning of freedom and opportunity.
Nearly 60 years later, and with a presence in 18 African countries, we have grown from being a South African life insurer to a pan-African financial services company, offering asset management, investment, insurance and health products to 3.2 million people across Africa.

We are an organization that understands the value of knowledge and its power to change realities, when set into action. This is why we have invested over R480 million in supporting various educational initiatives and projects within our communities.

Knowledge is a continuous pursuit. You have to constantly seek it, chase it and build on it. Knowledge is our currency and our wealth. It's our future as well as our past. It is where we come from and what we stand for. However, the more we learn, the more we know that knowledge alone isn't enough. You can have knowledge and still understand very little. So, until knowledge becomes action, there is no freedom, no progress and no advantage.

People don't follow knowledgeable thinkers; they follow those who act, those who have experience, with the dust on their shoes to prove it. We at Liberty know the path to financial freedom because we walk it every day. Our mission remains to transform Liberty to the trusted leader in South Africa and chosen markets by delivering superior value through exceptional client and adviser experiences.
Our purpose is to improve people's lives by making their financial freedom possible. We know this path because we walk it every day. We understand the power of knowledge to change realities, when set into action.
Knowledge is our currency and our wealth. The advantage of knowing is entrenched in our organisational DNA and is demonstrated in the way we engage with our customers, business partners and stakeholders. It is our continuous pursuit to pioneer new ways to guide people towards their financial freedom.

Your personal financial freedom
At Liberty, we offer investment and insurance solutions that can help you and your family reach your financial goals and protect you from the financial impact of life's unexpected events such as death, disability and critical illness.

Investing in your employees is to invest in your business
Liberty Corporate has a range of investment portfolios suitable as retirement funds and for businesses, varying from specialist asset class investments to balanced mandates. Our group risk solutions for business owners are as flexible as your employee's income needs.

First Capital Bank is wholly owned by FMBcapital Group. It is a full-service commercial bank offering financial products and services to the corporate, retail and personal markets.

With its diverse product offering, First Capital Bank caters to the needs of all segments of the Malawi market and has one of the most extensive branch and agency distribution networks in the country.
A BRIEF HISTORY
First Capital Bank opened for business in 1995 with one branch in Blantyre. From its humble beginnings the bank now operates 32 branches and agencies across Malawi employing 850 staff and serving a customer base of 500 000.
OUR SERVICES
We operate in all sectors of the Malawian market servicing the needs of the following market segments:

Retail
Small to medium business
Corporate
Institutional

We offer a comprehensive range of financial products ensuring that our services are always relevant and of value to our diverse market segments.
OUR STRENGTHS
Financial Security
Liquidity Ratios consistently above 50%
Consistent Long Term Credit Rating of A+ and Short Term
Credit Rating of A1 by Global Credit Rating Co., South Africa.
Regional Footprint
With a regional presence in 5 SADC countries First Capital Bank is ideally positioned to facilitate seamless cross border trade and offer customers unique trade finance solutions across the region
Customer Focus
We focus on the needs of our customers ensuring the highest levels of customer service, maintaining strong delivery channels and responding to market demand through product development and innovation.
Innovation
First Capital Bank has taken the lead by leveraging on its partnerships and technology to introduce a host of product & services designed to make banking more convenient, affordable and inclusive.
People & Training
We are a blend of technical and functional professionals who can deliver on strategic objectives. First Capital Bank operates defined talent management, retention and training strategy to ensure the organisation is equipped with the best skills.
Experience & Expertise
From turnaround strategies to IT project management First Capital Bank offers a wealth of experience in all areas of its business enabling the group deliver on business strategy effectively and efficiently.
360̊ Service Portfolio
We offer a comprehensive range of financial products to the corporate and personal banking markets.
Strong Governance
FIRST CAPITAL BANK subscribes to a strict code of corporate governance administered by strong and robust governance structure.

BRANCH LOCATIONS

BLANTYRE BRANCH

First Capital Bank, Glyn Jones Road, P/Bag 122, Blantyre

BRANCH MANAGER - Dalitso Mabviko

TELEPHONE: +265 1 820169; 0886279606

EMAIL: Dalitso.Mabviko@firstcapitalbank.co.mw

CAPITAL CITY BRANCH

P.O Box 30890, Capital City, Lilongwe 3

BRANCH MANAGER – Richard Chipanda

TELEPHONE: +265 1 775 081; 0999550292

EMAIL: Richard.Chipanda@firstcapitalbank.co.mw

LIMBE BRANCH

P.O Box 51938, Limbe

BRANCH MANAGER – McNeil Njikho

TELEPHONE: +265 1 842 365/ +265 888 752 275; 999 468 915

EMAIL: Mneil.Njikho@firstcapitalbank.co.mw

LILONGWE BRANCH

First Capital Bank, Lilongwe Branch, Private Bag 85, Lilongwe, Malawi.

BRANCH MANAGER – Louis Chamoto

TELEPHONE: 01 753 470/570/668 and 01 755 222; 991 557 749

EMAIL: Louis.Chamoto@firstcapitalbank.co.mw

FIRST CORPORATE SERVICES

First Corporate Services Branch, Glyn Jones Road Private Bag 122 Blantyre

BRANCH MANAGER – Antonnete Assani

TELEPHONE: + 265 991 497 116/+265 1 822 218

EMAIL: Antonnete.Assani@firstcapitalbank.co.mw

MZUZU BRANCH

Along Orton Chirwa Avenue, Mzuzu, Private Bag 158, Mzuzu, Malawi

BRANCH MANAGER – Emmanuel Konzaufe

TELEPHONE: +265 1 312 218/818; 998  941 913

EMAIL: Emmanuel.Konzaufe@firstcapitalbank.co.mw

ZOMBA BRANCH

Kamuzu Highway, Main Road, Zomba, P.O. Box 314 Zomba, Malawi

BRANCH MANAGER - Thokozile Zilambalala

TELEPHONE: +265 1 527 253/261; 881 888 008

EMAIL: Thokozile.Zilambalala@firstcapitalbank.co.mw

Agency Locations

AREA 25

Private Bag 85, Lilongwe

BRANCH MANAGER - Richard Foster Chinduta

TELEPHONE: +265 1 715 118

EMAIL: Richard.Chinduta@firstcapitalbank.co.mw

KANENGO AGENCY

Private Bag 85, Lilongwe

BRANCH MANAGER – Bazaly December

TELEPHONE: +265 1 710 340

EMAIL: Bazaly.December@firstcapitalbank.co.mw

CITY MALL AGENCY

Private Bag 85, Lilongwe

BRANCH MANAGER - Nellie Nene Magreta

TELEPHONE: +265 1 756 411/413

EMAIL: Nellie.Magreta@firstcapitalbank.co.mw

AREA 2 AGENCY

Private Bag 85, Lilongwe

BRANCH MANAGER – Blessings Mtawali

TELEPHONE: +265 1 724 188

EMAIL: Blessings.mtawali@firstcapitalbank.co.mw

LIKUNI AGENCY

Private Bag 85, Lilongwe

BRANCH MANAGER -Madalitso Nthemwe

TELEPHONE: +265 1 766 244

EMAIL: Madalitso.Nthemwe@firstcapitalbank.co.mw

MZIMBA AGENCY

P.O Box 413, Mzimba

BRANCH MANAGER - Ndamyo Mwakalenga

TELEPHONET: +265 1 342 285/461

EMAIL: Ndamyo.Mwakalenga@firstcapitalbank.co.mw

KARONGA AGENCY

P.O Box 314, Karonga

BRANCH MANAGER - Thom Mtika

TELEPHONE: +265 1 362 699

EMAIL: Thom.Mtika@firstcapitalbank.co.mw

NKHATABAY AGENCY

P.O Box 19, Nkhatabay

BRANCH MANAGER - Dines Mapondo

TELEPHONE: +265 1 352 250

EMAIL: Dines.Mapondo@firstcapitalbank.co.mw

RUMPHI AGENCY

P.O Box 138, Rumphi

BRANCH MANAGER - Clement Mkandawire

TELEPHONE: +265 1 372 577/538

EMAIL: Clement.Mkandawire@firstcapitalbank.co.mw

MULANJE AGENCY

P.O Box 44, Mulanje

BRANCH MANAGER - Richard Mbewe

TELEPHONE: +265 1 466 706

EMAIL: Richard.Mbewe@firstcapitalbank.co.mw

CHICHIRI AGENCY

P.O Box 51938, Limbe

BRANCH MANAGER – Akim Chihana

TELEPHONE: +265 1 873 916

EMAIL: Akim.Chihana@firstcapitalbank.co.mw

LIWONDE AGENCY

P.O. Box 195, Liwonde

BRANCH MANAGER – Kestern Mleme

TELEPHONE: +265 1 542 599/211

EMAIL: Kestern.Mleme@firstcapitalbank.co.mw

MANGOCHI AGENCY

P.O Box 41, Mangochi

BRANCH MANAGER - Boyce Njunga

TELEPHONE: +265 1 594 926

EMAIL: Boyce.Njunga@firstcapitalbank.co.mw

SALIMA AGENCY

BRANCH MANAGER - Chancy Gombwa

TELEPHONE: +265 1 262 899/900

EMAIL: : Chancy.Gombwa@firstcapitalbank.co.mw

MCHINJI AGENCY

BRANCH MANAGER - Angelline Chisale

TELEPHONE: +265 1 242 468

EMAIL: Angelline.Chisale@firstcapitalbank.co.mw

DWANGWA AGENCY

P.O Box 19, Dwangwa

BRANCH MANAGER – Canaan Nyirenda

TELEPHONE: +265 1 295 307

EMAIL: Canaan.Nyirenda@firstcapitalbank.co.mw

MPONELA AGENCY

P.O Box 255, Mponela

BRANCH MANAGER - John Vincent Chipeta

TELEPHONE: +265 1 286 475/411

EMAIL: John.Chipeta@firstcapitalbank.co.mw

KASUNGU AGENCY

P.o Box 342, Kasungu

BRANCH MANAGER - Jonathan Katimbe

TELEPHONE: +265 1 253 066

FAX: +265 1 254 162

EMAIL: Jonathan.Katimbe@firstcapitalbank.co.mw

DEDZA AGENCY

P.O Box 331, Dedza

BRANCH MANAGER – Hellena Musa

TELEPHONE: +265 1 223 070

EMAIL: Hellena.Musa@firstcapitalbank.co.mw

NDIRANDE AGENCY

Private Bag 122, Blantyre

BRANCH MANAGER - Kondwani Lunda

TELEPHONE: +265 999 641 023

EMAIL: Kondwani.Lunda@firstcapitalbank.co.mw

GATEWAY MALL AGENCY

Private Bag 85, Lilongwe

BRANCH MANAGER - Chance Mkandawire

TELEPHONE: +265 1 761 692/694

EMAIL: Chance.Mkandawire@firstcapitalbank.co.mw

Cimas has been Zimbabwe’s leading medical aid society for over 75 years now, preferred by corporates and families since 1945. As a medical aid that has stood the test of time, all our members are reassured through the trust and security of being looked after by a society that is professional, approachable and above all, a society whose primary care and concern is for its members.

Prior to the Second World War in 1939, discussions were held in the then Salisbury Chambers of Commerce and Industry on the need for some form of medical aid insurance for employees in the private sector.

The municipalities of the two major towns of Salisbury (Harare) and Bulawayo had also introduced medical aid benefit funds. The Chambers of Commerce and Industry felt there was a need for a medical aid society, or mutual benefit fund, that catered for the employees in the private sector as well. The advent of the Second World War delayed the start of the operations of the proposed society until the 1st of October 1945, when the Commercial and Industrial Medical Aid Society opened its doors for business, and has been going and growing stronger every year since.

The Cimas Board is made up of eminent individuals across a wide range of expertise in the country. These bring with them a wealth of experience and knowledge from their respective fields. They are a significant indicator of who we are, aside from our operations, and the ethos we stand for.

Through our leadership, we are trusted for careful and considered management of the healthcare, lifestyle and wellness of our community. We perform at the highest level and lead by example.

We are first and foremost a team. Together, we are empowered as a team to perform and be held responsible for our service delivery.

To be creative is to invent and innovate. It is to be on the leading edge in the delivery of products that always exceed our customer expectations and pioneer our delivery of solutions.

Being proactive in our approach is to think look and act ahead. Action is the ingredient that fuels our ideas and keeps us leading the way.

We treat each other and all our members with the utmost compassion, caring and understanding, in every aspect of our relationships and at every personal touchpoint. Above all, we are human.

We are people of consequence. Our opinions, ideas and actions matter, where we always consider and respect those of other people, and are cognizant, accountable, and responsible for our role within our company, and our community.

We are passionate about what we do here. Every effort and every task we undertake creates a real, positive and tangible difference in our community. For us, that makes all the difference.

As we perform to the greatest of our abilities, we reach and surpass all goals and objectives. We achieve more than satisfaction, more than happiness – We achieve more than it all put together.

We achieve ‘Happy-ness’.

CIMAS BRANCH LIST:

HARARE:

CIMAS HEAD QUARTERS

EAST BLOCK, BORROWDALE OFFICE PARK BORROWDALE ROAD HARARE

Tel: 080 80001-3/ 086 774 00500 / 086 770 08306

EMAIL: cimasmedicalaidsociety@cimas.co.zw

BULAWAYO

1st AVENUE JASON MOYO STREET BULAWAYO

TEL: 029 28864876 / 2886438 / 2886468

EMAIL: deliveriesbulawayo@cimas.co.zw

GWERU

NO 23 - 6TH STREET GWERU

TEL: 054 222 6178

EMAIL: deliveriesgweru@cimas.co.zw

MUTARE

98 SECOND STREET

TEL: 020 60282 / 69195 / 69196

EMAIL: deliveriesmutare@cimas.co.zw

MASVINGO

39 ROBERT MUGABE, ZB BANK MASVINGO

CALL US: + 263 39 264131

MASVINGO

19 HOFMEYER STREET MASVINGO

TEL: 039 2264800-2

EMAIL: deliveriesmasvingo@cimas.co.zw

Senwes is one of the leading agri-businesses in South Africa, with clients symbolizing the heart of the company. The company is deeply rooted in agriculture and has a rich and proud history which extends over a period of 113 years.
SENWES SERVES FROM THE FARMGATE TO THE MILLDOOR
Senwes serves the Agri and food sector from farmgate to milldoor with a strategic focus which rests on six pillars - agricultural services, resources, investments, logistical services, financial services and corporate support services. The Senwes group has business units in Northwest, Free State, Gauteng, Mpumalanga, KwaZulu-Natal, Eastern Cape, Northern Cape and Western Cape and has a personnel complement of 2 997 people.
Senwes is known for its integrity, loyalty and professionalism which are reflected in all its business activities. Its strategic approach is aimed at growth and diversification by bringing about a larger extent of integrity within the agricultural and food value chain.

The Senwes group has an integrated business model and is responsible for making a meaningful contribution and creating sustainable value for all stakeholders, thereby contributing towards food security in South Africa. Senwes focuses on supplying innovative and integrated solutions to food producers and role players in the food value chain and is the preferred investment partner, employer, supplier, distribution channel and corporate citizen.