Mr. Viljoen is an accomplished banker with more than 27 years of senior management experience working in various African countries for Standard Bank and Barclays. He holds an MBA from Oxford Brookes University in the UK, as well as degrees from the University of Stellenbosch and the University of Orange Free State. He joined the group as Chief Executive Officer of our bank in Botswana. Prior to his appointment, Jaco was the Chief Executive Officer for First Capital Bank Malawi.