A BRIEF HISTORY
First Capital Bank first opened for business in Zimbabwe as Barclays Bank in 1912. In 2017, following a 104 year presence Barclays Bank plc, sold its majority shareholding in Barclays Bank of Zimbabwe to FMBcapital Holdings plc (FMBCH) The Bank now trades as First Capital Bank.
ABOUT THE BANK
First Capital Bank operates one of the biggest and oldest commercial banking networks in Zimbabwe with 32 branches and service centres in major cities and towns. The Bank offers a wide range of personal products including transactional accounts, internet banking, local and international debit cards as well as insurance products among others. Commercial products include treasury related services, lending products, foreign exchange and transactional products. In addition the bank has a wide ATM network spread across the country.
First Capital Bank’s major shareholder, Mauritius based FMBcapital Holdings plc has regional operations in Botswana, Malawi, Mozambique, Zambia and Zimbabwe. FMBcapital Holdings plc is listed on the Malawi Stock Exchange while First Capital Bank is listed on the Zimbabwe Stock Exchange.
OUR SERVICES
We operate in all sectors of the Zimbabwean 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
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 as part of the FMBCH Group, the 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 products & 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 objective. First Capital Bank operates defined talent management, retention and training strategies 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 to 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 structures.
BRANCH LOCATIONS:
AVONDALE BRANCH
GT BAINES CENTRE KING GEORGE RD
PO BOX A199, AVONDALE
VOIP: +8677007335
TELEPHONE: +263 242 303 708/303743
FAX: +263 242 336302
BEITBRIDGE BRANCH
348 JUSTITIA RD
P O BOX 27 BEITBRIDGE
TELEPHONE: +263 86 2262/2751
FAX: +263 81 2622
BINDURA BRANCH
25 MAIN STREET
PO BOX 52 BINDURA
TELEPHONE: +263 716255/66210
FAX: +263 71 6048
BORROWDALE BRANCH
SHOP NUMBER 3 THE VILLAGE WALK BORROWDALE
PO BOX BW140, BORROWDALE
VOIP-
TELEPHONE: +263 242 851131/882280/851860
FAX: +263 242 882778
BULAWAYO AFFLUENT CENTRE
97A ROBERT MUGABE WAY, BULAWAYO
P O BOX FM 625 FAMONA, BULAWAYO
TELEPHONE: +263 292 887963/ 883004/ 883006
FAX: +263 292 883007
CHINHOYI BRANCH
STAND NO 5308, MAGAMBA WAY
PO BOX 200 CHINHOYI
TELEPHONE: +263 67 22701/24438
FAX: +263 67 23242
CHIREDZI BRANCH
59 CHILONGA DRIVE
P O BOX 29 CHIREDZI
TELEPHONE: +263 31 2313188/ 2312347/2312541
CORPORATE BANKING CENTRE
CNR BIRMINGHAM & PAISLEY RD
PO BOX ST 20, SOUTHERTON
VOIP- 08677007335
TELEPHONE: +263 242 754473/9
FAX: +263 242 757071
CRIPPS ROAD BRANCH
31 A CRIPPS RD, KELVIN CORNER
PO BOX 890 HARARE
TELEPHONE: +263 242 758960/ 758968-9
FAX: +263 242 753 651
FIRST STREET BRANCH
CNR FIRST STREET/JASON MOYO AVE
P.O. BOX 1279 HARARE
VOIP-08677007335
TELEPHONE: +263 242 758280-99
FAX: 750972
GOKWE BRANCH
STAND 972 GOKWE GROWTH POINT, GOKWE
TELEPHONE: +263 59 2330
FAX: +263 59 2528
GWERU BRANCH
CNR MAIN ST/MUGABE WAY GWERU
TELEPHONE: +263 54 22134
FAX: +263 54 25220
HARARE STREET BRANCH
118 CORNER ALBION AND HARARE STREET, HARARE
TELEPHONE: +263 242 749038/749609/ 749291-2/ 749018
FAX: +263 242 758976
HIGHLANDS BRANCH
MON REPOS BUILDING NEWLANDS SHOPPING CENTRE, ENTERPRISE ROAD, HIGHLANDS
PO BOX HG 99 HIGHLANDS
TELEPHONE: +263 242 746630/1
FAX: +263 242 746623
JMN NKOMO STREET BRANCH
100 JMN NKOMO STREET
PO BOX 702 BULAWAYO
TELEPHONE: +263 9 881121/7
FAX: +263 9 76928
KADOMA BRANCH
STAND 156, HERBERT CHITEPO, KADOMA
TELEPHONE: +263 68 26822-4
KWEKWE BRANCH
32 N MANDELA WAY
PO BOX 386 KWEKWE
TELEPHONE: +263 55 22897-8
FAX: +263 55 68241
MARONDERA BRANCH
CNR HOTEL ST/ THE GREEN PINE ST, MARONDERA
PO BOX 37 MARONDERA
VOIP- 0652324290
TELEPHONE: +263 79 23596/7
FAX: +263 7924707
MASVINGO BRANCH
CNR R MUGABE ST/L. TAKAWIRA AVE
PO BOX 115, MASVINGO
TELEPHONE: +263 39 62667/9
FAX: +263 65052
MSASA BRANCH
120/121 MUTARE RD MSASA, HARARE
TELEPHONE: +263 242 447844-6
FAX: +263 242 447 848
MUTARE BRANCH
90 HERBERT CHITEPO ST
PO BOX 386 MUTARE
TELEPHONE: +263 20 63911
FAX: +263 20 60166
NGO CENTRE
2 PREMIUM CLOSE MT PLEASANT, HARARE
P O BOX, CY 881
TELEPHONE: +263 242 369570-80
FAX: +263 242 369589
PREMIER BANKING CENTRE
FIRST MUTUAL OFFICE PARK, 100 BORROWDALE ROAD
P.O BOX BW 865 BORROWDALE FIRST MUTUAL OFFICE PARK, BORROWDALE RD, HARARE
VOIP: 08677007335
TELEPHONE: +263 242 852720-9
VICTORIA FALLS
254 LIVINGSTONE WAY
PO BOX 26 VIC FALLS
TELEPHONE: +263 13 3375/ 43288-9
FAX: +263 13 3385
ZVISHAVANE BRANCH
21-22 ROBERT. MUGABE WAY ZVISHAVANE
TELEPHONE: +263 51 4039/3559/3400/3342
ATM LOCATIONS:
HARARE
FIRST STREET BRANCH
BORROWDALE BRANCH
AVONDALE BRANCH
BULAWAYO
JMN NKOMO BRANCH
OTHER
VICTORIA FALLS BRANCH
P O BOX 1279 HARARE, ZIMBABWE
NORED, Incorporated in 2001, the northern Namibia’s regional Electricity Distributor, NORED, has put itself on the world map as a reliable energy supplier. NORED was the first ever regional electricity distributor to be established. It started with less than a hundred employees, but NORED immediately became a business with significant technological, industrial, financial and commercial presence. It draws its strength from the volume of regional and local authorities it represents, as well as from the skills of over two hundreds employees and the stable shareholder base.
Customer Service Charter
OUR CUSTOMERS HAVE THE RIGHT TO:
Respect:
Be treated with respect
Have his/her property treated with respect
Prompt service:
Be dealt with promptly
Information:
Be supplied with relevant information on demand
Confidentially:
Have his/her personal matters be treated in confidence
Claim:
Claim and be paid for damages if NORED Electricity was found
to be negligent; and settle within three months of the claim
Safety:
Due to the nature of our business, customer and personnel safety will always be of highest priority
Customer Rights:
Talk to us at customercare@nored.com.na or 0800 000 100
Limited power outages:
Restore power outages in the town within three hours
Restore power outages in rural areas within five hours
Allow no customers to suffer more than five power outages per month
Inform customers:
Inform customers about planned power outages 14 days in advance
Speed up new connections:
Respond, in writing, to an application for electricity within seven days
Connect a new customer within 21 days from his/her acceptance of the offer
Safety:
Educate the community about the danger associated with electricity
Environment:
Take the necessary precaution to minimise harm to nature
For normal connection within 80 metres from existing points of supply
PO BOX 639, ONDANGWA
Steward Bank was launched in July 2013 following Econet Wireless Zimbabwe’s acquisition of TN Bank, a subsidiary of TN Holdings Limited (now known as Lifestyle Holdings). Following its launch, the Bank has since positioned itself as a mass-bank, focused on providing banking solutions through the use of technology.
Steward Bank is the first bank in the country to have convergence with telecommunications and together with its technology focus the bank is set to change the way Zimbabweans view banking.
Our Relationship with Econet Wireless Zimbabwe Ltd
Econet Wireless Zimbabwe Ltd, (EWZL) is a public listed company, on the Zimbabwe Stock Exchange, it is a subsidiary of a privately held international group called Econet Wireless Global, which is registered in Mauritius. Econet Wireless Global has operations, and business interests, in more than 17 countries around the world, including Zimbabwe. More information about EWG may be obtained on its website (www.econetwireless.com), or its South African head office. Econet Wireless Zimbabwe Ltd, operates only in Zimbabwe, and has no businesses, operations or investments, outside Zimbabwe.
BRANCH LOCATOR:
AVONDALE
ADDRESS: 7 King George Road, Cnr Lanark, Avondale Harare
TEL: +263 8677004085
EMAIL: avondale@stewardbank.co.zw
BULAWAYO BRANCH
ADDRESS: Bambanani Centre , Corner 9th Avenue and Jason Moyo Bulawayo
TEL: 0292 881904-7
EASTGATE
ADDRESS: Corner Robert Mugabe &3rd Street Harare, Zimbabwe
TEL: +263 772197645/ +263 8677020267
EMAIL: eastgatebranch@stewardbank.co.zw
GWERU
ADDRESS: Shop 5 First Mutual Building, 5th Street Gweru
EMAIL: gweru@stewardbank.co.zw
JOINA CITY
ADDRESS: Joina City Upper-Ground Floor Harare, Zimbabwe, 60204
TEL: +263 778 086 599
EMAIL: joinacity@stewardbank.co.zw
MASVINGO
ADDRESS: 22 Robert Mugabe Way Masvingo
TEL: +263 3 9262115/ +263 3 9264310/ +263 8677004084
EMAIL: masvingo@stewardbank.co.zw
MUTARE
ADDRESS: 49-51 Second Street Mutare
TEL: 263 8677004803
EMAIL: mutare@stewardbank.co.zw
ATM LOCATOR:
Harare
Econet Shop Graniteside, 2 Kelvin Close, Granite Side, Harare
Econet Shop First Street, Philadelphia Hse, Gerge Silundika Avenue / 1st Street, Harare
Eastgate Branch 4, Eastgate, Harare
Eastgate Branch 3, Eastgate, Harare
Eastgate Branch 2, Eastgate, Harare
Eastgate Branch 1, Eastgate, Harare
Spar Anthenitis, Harare
Chicken Slice, Mbare, 20096 Chaminuka Street, Mbare, Harare
Joina City ATM Centre
Avondale Branch
Bulawayo
Engen Service Station, Mzilikazi Engen Service Station , Cnr 7002 Luveve Road, Bulawayo
Byo Centre Choppies, Bulwayo Centre, Main St/10th Ave. Bulawayo
Bulawayo Branch, Cnr 11th Street and Fife Avenue
Masvingo
Econet Shop Masvingo
Mutare
Old Econet Shop, Shop 61 First Street, Mutare
P.O.BOX 5220, HARARE, ZIMBABWE
First Capital Bank Botswana Limited began commercial operations in Botswana in June 2008, and now has branches in Gaborone, Francistown, Mogoditshane, and Broadhurst. The Bank provides a full range of services in all major currencies and aims to achieve the highest standards of customer service.
First Capital Bank is affiliated to FMBcapital Holdings plc, which has a 38.6% shareholding in First Capital Bank, with the remaining shares being held by local and international investors. The FMBCH Group also has banking operations in Malawi, Zambia, Mozambique, and Zimbabwe. First Capital Bank is a member of the Electronic Clearing House (ECH), Real Time Gross Settlement (RTGS) system and Society for Worldwide Interbank Financial Telecommunication (SWIFT).
BRANCH LOCATIONS
MAIN BRANCH
LOCATION: Capital House, Plot 17954, Old Lobatse Road P.O Box 5548 Gaborone, Botswana
BRANCH MANAGER: Thato Thamage
TELEPHONE: Tel.: +267 390 7801 / +2673907803
FAX: Fax: +267 392 2818
EMAIL: thato.thamage@firstcapitalbank.co.bw
MOGODITSHANE
LOCATION: Plot 4216, Unit 1 (Supa Save Complex), Along Molepolole Road P.O Box 550071 Mogoditshane,
BRANCH MANAGER: Sekgabo Tlhabiwe
TELEPHONE: +267 393 1324 / Direct: +267 393 1327
FAX: +267 393 1342
EMAIL: sekgabo.thabiwe@firstcapitalbank.co.bw
BROADHURST BRANCH
LOCATION: First Capital House, Plot 74768, 2nd Commercial Road, New CBD, Gaborone P.O Box 5548 Gaborone, Botswana
BRANCH MANAGER: Koziba Balule
TELEPHONE: +267 315 8659/69
FAX: +267 318 5947
EMAIL: koziba.balule@firstcapitalbank.co.bw
FRANCISTOWN
LOCATION: Plot 448, Francistown, Blue Jacket Street P.O Box 659, Francistown, Botswana
BRANCH MANAGER: Kabelo Moilatshimo
TELEPHONE: +267 2417689 /90 ext 101 / Direct: +267 2417688
FAX: +267 2417687
EMAIL: kabelo.moilatshimo @firstcapitalbank.co.bw
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
P/BAG 122 BT, MALAWI
FNB Botswana is the largest commercial bank in the country. We provide a full range of banking services to individuals, businesses, large and small through our array of technologically driven services.
Our corporate finance division, RMB, provides corporate and investment banking bespoke solutions.
Through an extensive nationwide branch and automated teller machine (ATM and ADT) network, as well as self-service channels such as Cash Plus and digital platforms: Online Banking, the FNB App and Cellphone Banking we provide our customers with convenient access to banking solutions around the clock.
We pride ourselves in being a helping hand in our communities. The FNBB Foundation, is a vehicle through which we support in social and community development throughout Botswana.
PO BOX 1552 GABORONE
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.
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
P.O BOX 1243, HARARE, ZIMBABWE
Harmony, a world-class gold mining and exploration company with a copper footprint, operates in South Africa and Papua New Guinea, one of the world’s premier new gold-copper regions.
With more than 70 years in the industry, Harmony is an experienced emerging-market gold miner. Value-accretive acquisitions have revitalised our company as the largest gold producer by volume in South Africa where the company is also a significant operator of gold tailings retreatment facilities. With a significant portion of the group’s Mineral Resources and Mineral Reserves in Papua New Guinea, Harmony is also an acknowledged emerging-market specialist. Assets in Papua New Guinea include the Hidden Valley gold mine and our joint-venture stake in the Wafi-Golpu copper-gold project.
WHAT WE DO
Exploration and acquisitions
Exploring for and evaluating economically viable gold-bearing orebodies and/or value-accretive acquisitions
Mining and processing
Establishing, developing and operating mines and related processing infrastructure. Ore mined is milled and processed by our gold plants to produce gold doré bars
Sales and financial management
Generating revenue through the sale of gold produced and optimising efficiencies to maximise financial returns
Stewardship and mine closure
Restoring mining impacted land for alternative economic use post-mining, having in place approved mine closure commitments and empowering communities and employees
WHERE WE OPERATE
In South Africa, our nine underground operations are located within the world-renowned Witwatersrand Basin – one in the Klerksdorp goldfield, three in the West Rand and five in the Free State, in the southern portion of the Witwatersrand Basin. In addition, we have an open-pit mine on the Kraaipan Greenstone Belt as well as several surface treatment operations. At 30 June 2021, our South African operations accounted or 71% of group Mineral Resources (gold and gold equivalent ounces) and 58% of group Mineral Reserves.
In Papua New Guinea, our assets include Hidden Valley, an open-pit gold and silver mine, and a significant gold-copper portfolio that includes a 50% stake in the Wafi-Golpu project, a 50:50 joint venture with Newcrest Mining Limited, in Morobe Province. At 30 June 2021, these assets, which are located on the New Guinea Mobile Belt, accounted for 29% of group Mineral Resources (gold and gold equivalent ounces) and 42% of group Mineral Reserves.
The Tshepong operations constitute an integrated mining complex in the Free State, near the town of Welkom, some 250km from Johannesburg. The deep-level workings include the Tshepong and Phakisa underground sections. The proximity of these two mines has allowed for the integration of operations, facilitating the use of excess hoisting capacity and underused infrastructure at Tshepong section and debottlenecking Phakisa’s constrained infrastructure. Harmony plans to mine the orebody at the Tshepong Operations for the next 20 years.
Conventional undercut mining methods are used at the mature Tshepong section; Phakisa uses the newer conventional undercut and opencut mining method. From Phakisa the rock is transported to the Nyala shaft, where it is hoisted to surface. The principal gold-bearing orebody exploited by both sections is the Basal Reef, with the B Reef mined as a high-grade secondary reef. Mining takes place between 1 500m to 2 300m below surface. Ore mined is processed at the Harmony One plant, where the gold cyanide leaching process is used to recover the gold.
OPERATING PERFORMANCE FY21
Three fatalities during the year prompted a focus on fall-of-ground golden controls, installing additional permanent steel netting and finding a solution to secure these nets close to the to eliminate further fall-of-ground injuries. The lost-time injury frequency rate deteriorated by 8% to 5.44 per million hours worked (FY20: 5.05).
Once again Tshepong operations made the largest contribution, at 16%, to group production; in the absence of lockdowns, operational results improved markedly, which reflected in the financial performance. Capex was 20% higher at R1.1 billion, mainly to provide for development work underground and plant optimisation on surface.
Doornkop is a mature, deep-level single-shaft operation some 30km west of Johannesburg, on the northern rim of the Witwatersrand Basin. Its remaining life of mine is currently 14 years.
The operation focuses on narrow-reef conventional mining of the South Reef gold-bearing conglomerate reef. Mining reaches depths of 2 219m. Ore is processed at the Doornkop plant, which uses the carbon-in-pulp process.
OPERATING PERFORMANCE FY21
Sadly, the Doornkop plant recorded one fatality, and the LTIFR deteriorated by 13% to 6.9 per million hours worked.
Operating efficiencies contributed to higher gold production at 3 670kg, reflecting a 25% increase in mill tonnes which helped to offset the marginal drop in grade. This is a ten-year record for Doornkop.
Plant optimisation and ongoing development boosted capex by 51%, thereby directly benefitting production levels.
The 36% increase in revenues reflected the substantially higher production and the 14% improvement in the gold price over the period. Cash operating costs were 29% higher at R2 186 million, attributable mainly to wage increases, higher electricity tariffs and additional labour.