123 Functional Specifications jobs in South Africa

As an experienced .NET developer, you will maintain, extend, and continuously improve our back-end code base. Together with the team lead, you will ensure that our clients (front-end developers and other API clients) have a seamless experience. You will work on/within a microservices platform architecture with challenges such as multi-tenancy, caching, persistence, long-running jobs, messaging, and multi-threading.

If this excites you and you meet the requirements and profile below, we would love to hear from you!

You will work both from home and at our office in Cape Town, alongside a lead developer and a back-end developer. From our NL office, you will be supported by a Product Owner and an Azure deployment engineer.

• Maintain, extend, and refactor our legacy code base.
• Ensure our code base is future-proof by exploring new areas (.NET 6, Nullability, Mediator, Swagger, OpenAPI, etc.).
• Work efficiently and deliver results.
• Implement a test-driven approach, validating and testing your code via unit tests.
• Ensure that the C# core code adheres to SOLID principles and refactor legacy code when needed to increase extendability, testability, readability, and reusability.
• Stay updated on the latest development practices and discuss with the team lead on how to keep our code base current and future-proof.
• Collaborate closely with our Azure engineer on topics like routing, caching, messaging, containerization, authentication, etc.

• Proven experience building high-performing microservices in .NET (ASP) or .NET 6 minimal APIs.
• Experience in unit testing code and services.
• Proficiency with Visual Studio or JetBrains Rider, Git, NuGet, Postman, or other backend development tools.
• Experience with Agile development methodologies (using Jira, GitLab, or Azure DevOps).
• Excellent knowledge of C# and .NET Core, .NET 5/6.
• Strong analytical thinking and abstraction skills to simplify complex tasks.
• Nice to have: Experience with Azure AD integration and deployment.
• Fluent in English, both written and verbal.
• Bachelor's or master's degree in software engineering or related field.

• Demonstrates tenacity and a willingness to see tasks through to completion.
• Adapts quickly to changing priorities and conditions; copes effectively with complexity.
• Passionate about technology with a positive, can-do attitude.
• Self-starter who acts proactively and brings new ideas.
• Honest, ethical, trustworthy, and transparent in communication.

At Lanza, we develop digital solutions supporting businesses in spare parts management and inventory control. You will help shape and develop the look and feel of the Lanza web applications used by renowned companies across various industries such as defense, aerospace, rail, and manufacturing.

We are establishing a new development operation in South Africa to expand our efforts. Lanza seeks skilled candidates ready for a challenge.

As an experienced .NET developer, you will maintain, extend, and continuously improve our back-end code base. Together with the team lead, you will ensure that our clients (front-end developers and other API clients) have a seamless experience. You will work on/within a microservices platform architecture with challenges such as multi-tenancy, caching, persistence, long-running jobs, messaging, and multi-threading.

If this excites you and you meet the requirements and profile below, we would love to hear from you!

You will work both from home and at our office in Cape Town, alongside a lead developer and a back-end developer. From our NL office, you will be supported by a Product Owner and an Azure deployment engineer.

• Maintain, extend, and refactor our legacy code base.
• Ensure our code base is future-proof by exploring new areas (.NET 6, Nullability, Mediator, Swagger, OpenAPI, etc.).
• Work efficiently and deliver results.
• Implement a test-driven approach, validating and testing your code via unit tests.
• Ensure that the C# core code adheres to SOLID principles and refactor legacy code when needed to increase extendability, testability, readability, and reusability.
• Stay updated on the latest development practices and discuss with the team lead on how to keep our code base current and future-proof.
• Collaborate closely with our Azure engineer on topics like routing, caching, messaging, containerization, authentication, etc.

• Proven experience building high-performing microservices in .NET (ASP) or .NET 6 minimal APIs.
• Experience in unit testing code and services.
• Proficiency with Visual Studio or JetBrains Rider, Git, NuGet, Postman, or other backend development tools.
• Experience with Agile development methodologies (using Jira, GitLab, or Azure DevOps).
• Excellent knowledge of C# and .NET Core, .NET 5/6.
• Strong analytical thinking and abstraction skills to simplify complex tasks.
• Nice to have: Experience with Azure AD integration and deployment.
• Fluent in English, both written and verbal.
• Bachelor's or master's degree in software engineering or related field.

• Demonstrates tenacity and a willingness to see tasks through to completion.
• Adapts quickly to changing priorities and conditions; copes effectively with complexity.
• Passionate about technology with a positive, can-do attitude.
• Self-starter who acts proactively and brings new ideas.
• Honest, ethical, trustworthy, and transparent in communication.

At Lanza, we develop digital solutions supporting businesses in spare parts management and inventory control. You will help shape and develop the look and feel of the Lanza web applications used by renowned companies across various industries such as defense, aerospace, rail, and manufacturing.

We are establishing a new development operation in South Africa to expand our efforts. Lanza seeks skilled candidates ready for a challenge.

We’re looking for an experienced Software Development Manager (SDM) to lead and manage multiple technical teams responsible for delivering high-impact software products and systems across the full product lifecycle. In this key leadership role, you’ll drive technical strategy, oversee execution, and ensure delivery excellence across mission-critical platforms.

You’ll play a pivotal role in enabling innovation, enhancing system performance, managing technical talent, and aligning development delivery with business goals. If you’re passionate about leading agile teams and delivering scalable, secure, and performant solutions, this opportunity is for you.

Key Responsibilities :

Technical & Product Delivery

• Oversee the full lifecycle of software systems-from strategy to development, enhancements, and maintenance
• Drive timely delivery of high-quality software solutions aligned with business goals and SLAs
• Collaborate with Product Heads, Engineering CoE, and stakeholders to define and implement product-specific technical strategies
• Ensure system availability, performance, and security meet pre-defined standards
• Utilize modern DevOps practices, CI / CD pipelines, and AWS cloud infrastructure

Risk, Compliance & Governance

• Ensure development practices align with internal standards, regulatory requirements, and audit findings
• Drive adherence to secure development principles and maintain risk and control compliance throughout the SDLC

Vendor & Third-Party Management

• Manage the full relationship lifecycle with third-party software providers-from sourcing and contracting to service delivery and SLA compliance
• Drive cost-effective supplier engagements and performance improvements through regular reviews and negotiations
• Lead, mentor, and grow a diverse team of software professionals and team leads
• Manage resourcing, recruitment, and retention to ensure delivery capacity
• Foster a collaborative, innovative, and knowledge-sharing environment
• Support individual development through coaching, mentorship, performance reviews, and career planning

Budgeting & Financial Oversight

• Lead the software development budgeting process in collaboration with the Product Head
• Manage and monitor OPEX and CAPEX budgets, approve expenditures, and report financial performance
• Deliver monthly reporting on progress, budget usage, and performance against plans

Experience Required :

• 10+ years in software development management, preferably in financial services or high-complexity environments
• Proven experience in : Leading agile development teams Roadmap planning and execution Budget management Technical leadership and mentoring Stakeholder engagement and relationship management

Education & Qualifications :

• Minimum : Bachelor’s Degree in Commerce or IT (Computer Science or similar)
• Preferred : Honours Degree in Commerce or IT

Key Knowledge Areas :

• Functional knowledge related to the product domain (e.g., Credit, App, Collections)
• Agile development principles and SDLC
• People development and performance management practices
• Business analysis and systems design
• Budgeting, financial reporting, and project management
• Experience with Capitec Bank systems and business model is a plus

Core Skills :

• Leadership and team empowerment
• Communication and interpersonal effectiveness
• Strategic decision-making
• Negotiation and influencing skills
• Stakeholder and vendor relationship management
• Drive innovation and simplification
• Inspire trust, optimism, and persistence
• Attract and develop top technical talent
• Lead with clarity, empathy, and purpose
• Make smart, fast decisions that align with business goals

Join a forward-thinking team where your technical leadership and strategic insight will make a lasting impact. If you’re passionate about people, delivery excellence, and enabling scalable innovation, we’d love to hear from you.

Apply now to help shape the future of banking through technology.

Development Manager • Johannesburg, South Africa

Job title : Software Development Manager

Job Location : Gauteng, Johannesburg Deadline : September 26, 2025 Quick Recommended Links

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Responsibilities

What You’ll Do :

Strategy, objectives and execution

• Create, agree and execute software development road maps and operational strategy for projects coming into the business in collaboration with respective team members through proper documentation, communication and execution.
• Build effective customer centric relationships through measurements of performance and usage and engagement and involvement with customers by creating clear visibility through strategies and roadmaps.
• Sets and achieves efficient delivery objectives of their teams by ensuring individual and team strategy with clear and measurable objectives that align with organisational goals.
• Hold team accountable through road maps and individual performance contracts through consistent communication of delivery milestones.
• Accountable for articulating, monitoring, reporting and achieving realisation.
• Development of long-term strategic thinking incorporating demand forecasting for product or future projects.
• Utilisation of data metrics in order to make data driven decisions.

Knowledge management

• Identifies and responds to situation / organisational / market requirements by creating a culture of innovation and opportunity identification by team.
• Facilitates change management due to changing situational requirements e.g., restructure changes or adoption of new technologies.
• Supports and aligns standards across BET by allocating agreed commitments to strategy / roadmap communication and implementation.
• Maintains product(s) knowledge as well as general product knowledge by being able to represent your product strategy in detail.
• Ensure the established procedures and processes are accurately documented, communicated, implemented, and agreed with product and / or project teams.
• Acts as escalation point for issues and ensures effective communication and resolution activities are in place.
• Effectively liaise and communicate with both internal and external key stakeholders at senior level to manage day to day issues, escalations, and expectations.
• Ensure all operational communication with customers / partners are documented and effectively circulated to stakeholders making use of collaborative tools.
• Engage with executive members or equivalent at customers / partners to ensure collaboration at all levels.
• Engage with the wider business and if needed hold strategic knowledge sharing sessions.
• Maintain and facilitate strategic stakeholder and communication analysis.

Behavioral Outputs : Talent Management

• Ensure that the team members are equipped with the requisite skills for both current and future projects facilitating a career and training development plan for each team member.
• Provide and facilitate mentoring and coaching by driving knowledge sharing.
• Creates a culture that is aligned to the platform ‘’Be a good citizen’’ mantra, where respect, openness, and integrity are the foundation for a culture that cultivates, creates and executes our vision.
• Succession planning and key man reliance – ensuring the right people are in the right roles and being developed accordingly, ensuring business continuity through minimising key man reliance.
• Talent acquisition, ensuring that we are committed to hiring the best quality people for optimal achievement of results.
• Ensure business continuity through minimizing key man reliance.

Adaptably Resilient

• Adapts to change and is open to new ideas and willing to take on new responsibilities.
• Able to handle pressure and can effectively adjust plans to meet changing needs / demands.
• Changes his / her interpersonal style and approach based on the circumstances.
• Adapts behaviour to maintain cooperative relationships with others.
• Accepts changes to task, plans and procedures in order to align with strategic direction of the organization and appropriately adjusts behaviour and activities to changing conditions.
• Maintains a positive attitude in the face of change.

Decision Making Quality

• Makes confident, timely, fact-based decisions drawing on a broad range of resources through collaboration with others.
• Ensures others understand the decision before moving forward.
• Considers short- and long-term implications of the decision.
• Able to logically defend and explain judgements and decisions.
• Takes steps to accurately define the problem before seeking a solution.
• Bases decisions and evaluations on a careful and systematic review of relevant facts and information.

Develops Talent

• Collaboratively works with the leads to set performance goals and measures.
• Ensures performance measures are clear, measurable, and achievable.
• Ensures consistency of expectations across teams.
• Gives regular structured feedback to teams and seconded members.
• Ensure that the team members are equipped with the requisite skill-sets required for both current and future projects by developing a training and career development plan.
• Maintain a current and future skill matrix.
• Have training and development plans in place and ensure execution of the plan.
• Encourage and build a culture of innovation and collaboration.
• Create a culture for teams that are aligned to the platforms and BET values.

Resourceful and improving

• Generates new ideas and challenges the status quo, takes risk, supports change and encourages innovation.
• Searches for opportunity to create new ideas and innovate or improve efficiencies wherever possible.
• Solves problems through questioning the status quo.

Qualifications

You Bring :

• At least 3-5 years’ experience managing software development teams and leads.
• At least 6 years in a technical role within the IT software development industry.
• Prior experience ensuring timely project delivery.
• Provide technical and architectural guidance to development team.
• Ensure development standards and development SDLC is adhered to by the development team.
• Ability to work under pressure and in a fast-paced growing environment.
• Strong planning and organisational skills.
• Reporting skills at Senior Management level.
• Prior stakeholder and team lead management

Apply now »

Date: 9 Jul 2025

Location: Stellenbosch, GT, ZA

Company: Capitec Bank Ltd

Apply By

We're on the lookout for energetic, self-motivated individuals who share our passion for service in the banking industry. To be part of the journey, follow the steps below:

• To see what life at Capitec is all about and complete a short assessment, please click here!
• Once you have completed the above finalize your application by clicking apply below.
  
  

• To provide strategic technical direction and manage multiple technical teams responsible for the technical delivery of the full product lifecycle; all product features and support and maintenance related tasks in respect of the product
• Oversee the ongoing drive to increase efficiency, optimisation, innovation and people development in these environments.
  
  

• At least 5 years’ experience in software development management
• Experience of:
• leading and working in an agile development environment
• Experience in either back-end or front-end development
• crafting roadmaps
• managing a budget
• using technical skills to support and guide a technical team
• to establish priorities and successfully manage deliverables
• utilizing communication and relationship management skills to engage with stakeholders
• using leadership to influence in other areas.
  

• Bachelor's Degree in Commerce or Information Technology - Computer Science
  
  

• Honours Degree in Commerce or Information Technology - Computer Science
  
  

• Functional knowledge particular to the product (e.g. Credit or App)
• People management and development practices and principles
• Stakeholder management
• Budgeting and accounting principles
• Business analysis and design
• Project Management principles and methodologies
  
  

• Banking industry
• Central Collections environment
• Capitec Bank Systems Environment
• Capitec Bank Business Model
• Agile development principles
• Systems Development Life Cycle (SDLC)
  
  

• Communications Skills
• Decision making skills
• Influencing Skills
• Interpersonal & Relationship management Skills
• Negotiation skills
  
  

• Clear criminal and credit record
  
  

• Lead and manage the software development team to achieve strategic and operational business goals.
• Ensure consistency and stability across all systems using standardised development protocols.
• Improve user experience, reduce support needs, and enhance system performance.
• Foster team productivity year-on-year, skills development, and alignment with company values.
• Creating a unified approach to development across the business.
• Ensure integration with all software systems
• Design, development and internal testing of existing and new products according to the company’s prescribed standards
• Take responsibility for team performance as measured against KPIs and development targets.
• Facilitate regular one-on-ones, performance reviews, and team goal setting.
• Mentor and guide less experienced team members
• Contribute to the overall product and technology strategy in alignment with company'sbusiness goals.
• Manage key vendor relationships, ensuring service quality and alignment with internal tech standards.

• Relevant tertiary qualification in Information Technology or Computer Science
• 5+ years in a senior software development or technical leadership role
• Proven experience leading or managing development teams.
• At least 3 - 5 years of relevant experience as a full stack software developer using technologies such as Net Core / ASP.Net MVC / C# / SQL / RESTful Web API / React / C++
• Must be able to handle evolving business needs and technical challenges.
• Excellent communication and teamwork skills
• Great attention to detail
• Capable of problem-solving independently
• Delivering on requirements on-time and to specification with a high level of quality
• Proficiency in software architecture and design patterns.
• Ability to work calmly and methodically when under pressure
• Must be a keen knowledge seeker who shares acquired knowledge across teams
• Understanding of system stability, security best practices, and performance optimisation.
• Strong interpersonal and conflict resolution skills, with the ability to engage and align cross-functional teams.

• Email your comprehensive CV to .
• If you are already registered, please forward your CV and the relevant reference number to the consultant with whom you are currently registered in order to avoid duplicity on our system.
• We reserve the right to only conduct interviews with candidates of choice.
• Applicants who have not received feedback within 30 days from the closing date must please accept their application as unsuccessful.

Join to apply for the Software Development Engineer role at Amazon Web Services (AWS)

Join to apply for the Software Development Engineer role at Amazon Web Services (AWS)

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Description

Join our team of innovative Software Engineers and build the next generation service platforms for AWS, EC2 and our customers. These services are key components of the Amazon Elastic Compute Cloud (EC2) web service.

Description

Join our team of innovative Software Engineers and build the next generation service platforms for AWS, EC2 and our customers. These services are key components of the Amazon Elastic Compute Cloud (EC2) web service.

Our platform handles a significant load of Internet traffic generated by internal and external customers that build their solutions on EC2. On any given day we use Java, Kotlin, Typescript, Python, Ruby and Go as well as various Native AWS services and Amazon-internal tools. We don't expect you to be an expert in, or know all these technologies, but we do expect you to have strong programming fundamentals and be excited to learn about these technologies.

Our team invents, designs and builds software that is stable, scalable and performant. We write and support code that is easy to understand with solutions that are pragmatic. We keep a high bar in code reviews to ensure high quality code.

Engineers in our teams have great ownership, a drive to innovate and aim to have resounding impact in whatever we build.

As a member of this team, you will own and contribute to the development of quality designs & solutions, solving complex problems. You are able to operate with limited guidance and take a long term view of your team’s services and how they fit into the broader architecture. The services that your team own are used by many teams and you will have opportunities to work and influence engineers and teams outside of your own team to build out EC2 architecture that supports Amazon scale business needs.

We follow a DevOps model and we assign projects and tasks based on what will help each team member develop into a more well rounded engineer that will enable them to take on more complex tasks in the future. This position includes on-call duties which is on rotation with the rest of the team. Our team values work-life balance.

As an Amazonian, you will enjoy interacting with some of the most talented engineers in our industry through breakfast talks and demos, internal communities and extensive training material that spans all aspects of our business.

We are looking for a new teammate who is enthusiastic, curious, empathic, motivated and reliable. The development opportunities are plentiful and we're only just starting to scratch the surface. If this sounds intriguing to you, then come build with us.

Utility Computing (UC)

AWS Utility Computing (UC) provides product innovations — from foundational services such as Amazon’s Simple Storage Service (S3) and Amazon Elastic Compute Cloud (EC2), to consistently released new product innovations that continue to set AWS’s services and features apart in the industry. As a member of the UC organization, you’ll support the development and management of Compute, Database, Storage, Internet of Things (Iot), Platform, and Productivity Apps services in AWS. Within AWS UC, Amazon Dedicated Cloud (ADC) roles engage with AWS customers who require specialized security solutions for their cloud services.

About The Team

About AWS

Diverse Experiences

AWS values diverse experiences. Even if you do not meet all of the qualifications and skills listed in the job description, we encourage candidates to apply. If your career is just starting, hasn’t followed a traditional path, or includes alternative experiences, don’t let it stop you from applying.

Why AWS?

Amazon Web Services (AWS) is the world’s most comprehensive and broadly adopted cloud platform. We pioneered cloud computing and never stopped innovating — that’s why customers from the most successful startups to Global 500 companies trust our robust suite of products and services to power their businesses.

Inclusive Team Culture

Here at AWS, it’s in our nature to learn and be curious. Our employee-led affinity groups foster a culture of inclusion that empower us to be proud of our differences. Ongoing events and learning experiences, including our Conversations on Race and Ethnicity (CORE) and AmazeCon (gender diversity) conferences, inspire us to never stop embracing our uniqueness.

Mentorship & Career Growth

We’re continuously raising our performance bar as we strive to become Earth’s Best Employer. That’s why you’ll find endless knowledge-sharing, mentorship and other career-advancing resources here to help you develop into a better-rounded professional.

Work/Life Balance

We value work-life harmony. Achieving success at work should never come at the expense of sacrifices at home, which is why flexible work hours and arrangements are part of our culture. When we feel supported in the workplace and at home, there’s nothing we can’t achieve in the cloud.

Basic Qualifications

• 3+ years of non-internship professional software development experience
• Experience designing or architecting (design patterns, reliability and scaling) of new and existing systems
• Experience programming with at least one modern language such as Java, C++, or C# including object-oriented design
  
  

• Bachelor's degree in computer science or equivalent
  
  

• Seniority level Mid-Senior level

• Employment type Full-time

• Job function Information Technology, Consulting, and Engineering
• Industries IT Services and IT Consulting

Referrals increase your chances of interviewing at Amazon Web Services (AWS) by 2x

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We’re unlocking community knowledge in a new way. Experts add insights directly into each article, started with the help of AI.

Join a company that is pushing the boundaries of what is possible. We are renowned for our technical excellence and leading innovations, and for making a difference to our clients and society. Our workplace embraces diversity and inclusion – it’s a place where you can grow, belong and thrive.

The Software Development Engineer is a seasoned subject matter expert, tasked with participating in designing, developing, and testing software systems, modules, or applications for software enhancements and new products including cloud-based or internet-related tools.

This role is accountable for participating in detailed design for certain modules / sub-systems, doing prototype for multi-vendor infrastructure, and showcasing it internally or externally to clients.

This role designs and develops functionality in a micro-services environment working with APIs, telemetry data, and running ML / AI algorithms on it, working with both structured and unstructured data.

• Designs and develops solutions and functionality that drives the growth of business.
• Accountable for writing and testing code.
• Accountable for execution of automated testing.
• Contributes to software deployment.
• Works across multiple teams to deliver software components while collaborating with the product team.
• Contributes to the integration and building of solutions through automation and coding, using 3rd party software.
• Creates, crafts and debugs large scale distributed systems.
• Contributes to writing, updating and maintaining the technical program, end-user documentation, and operational procedures.
• Accountable for refactoring code.
• Works across multiple teams to review code written by other developers.
• Performs any other related task as required.

• Excellent understanding of cloud architecture and services in multiple public clouds like AWS, GCP, Microsoft Azure, and Microsoft Office 365.
• Seasoned expertise of data structures, algorithms, and software design with strong analytical and debugging skills.
• Seasoned knowledge of micro services-based software architecture and experience with API product development.
• Seasoned expertise in SQL and no-SQL data stores including Elasticsearch, MongoDB, Cassandra.
• Seasoned understanding of container run time (Kubernetes, Docker, LXC / LXD).
• Seasoned proficiency with agile, lean practices and believes in test-driven development.
• Possess a can-do attitude and one that takes initiative.
• Excellent ability to work well in a diverse team with different backgrounds and experience levels.
• Excellent ability to thrive in a dynamic, fast-paced environment.
• Seasoned proficiency with CI / CD concepts and tools.
• Seasoned proficiency with cloud-based infrastructure and deployments.
• Excellent attention to detail.

• Bachelor's degree or equivalent in Computer Science, Engineering or a related field.

• Seasoned experience working with geo-distributed teams through innovation, bootstrapping, pilot, and production phases with multiple stakeholders to the highest levels of quality and performance.
• Seasoned experience with tools across full software delivery lifecycle, for example, IDE, source control, CI, test, mocking, work tracking, defect management.
• Seasoned experience in Agile and Lean methodologies, Continuous Delivery / DevOps, Analytics / data-driven processes.
• Seasoned proficiency in working with large data sets and ability to apply proper ML / AI algorithms.
• Seasoned experience in developing micro-services and RESTful APIs.
• Seasoned experience in software development.

Workplace type : Hybrid Working

NTT DATA is a $30+ billion trusted global innovator of business and technology services. We serve 75% of the Fortune Global 100 and are committed to helping clients innovate, optimize and transform for long-term success. We invest over $3.6 billion each year in R&D to help organizations and society move confidently and sustainably into the digital future. As a Global Top Employer, we have diverse experts in more than 50 countries and a robust partner ecosystem of established and start-up companies. Our services include business and technology consulting, data and artificial intelligence, industry solutions, as well as the development, implementation and management of applications, infrastructure, and connectivity. We are also one of the leading providers of digital and AI infrastructure in the world. NTT DATA is part of NTT Group and headquartered in Tokyo.

NTT DATA is proud to be an Equal Opportunity Employer with a global culture that embraces diversity. We are committed to providing an environment free of unfair discrimination and harassment. We do not discriminate based on age, race, colour, gender, sexual orientation, religion, nationality, disability, pregnancy, marital status, veteran status, or any other protected category. Join our growing global team and accelerate your career with us. Apply today.

• To provide strategic technical direction and manage multiple technical teams responsible for the technical delivery of the full product lifecycle; all product features and support and maintenance related tasks in respect of the product.
• Oversee the ongoing drive to increase efficiency, optimisation, innovation and people development in these environments.

Minimum:

• At least 5 years’ experience in software development management.
• Experience of:
  • leading and working in an agile development environment.
  • crafting roadmaps.
  • managing a budget.
  • using technical skills to support and guide a technical team.
  • establishing priorities and successfully managing deliverables.
  • utilizing communication and relationship management skills to engage with stakeholders.
  • using leadership to influence in other areas.

• Bachelor's Degree in Commerce or Information Technology - Computer Science.

Capitec Bank is a South African retail bank.