Find a branch

FNB offers a network of branches for all your face to face banking requirements

Head Office

Postal Address
First National Bank Zambia Limited
PO Box 36187
Lusaka, Zambia

Physical address
Stand number 22768
Acacia Office Park
Cnr Thabo Mbeki and Great East Roads
Lusaka, Zambia

Telephone Numbers: +260 211 366 800
Fax Number: +260 211 253 057 / 250 602

Swift Code : FIRNZMLX

Commercial Branch

Stand number 22768
Acacia Office Park
Cnr Thabo Mbeki and Great East Roads
Lusaka, Zambia

Telephone Numbers: +260 211 366 800
Fax Number: +260 211 250 090
Branch Code: 260001

Cairo Branch

Society House
First floor, Shop Number G040
Plot 3 & 3a Cairo Road,
Central Business District
Lusaka, Zambia

Telephone Numbers: +260 211 366 800
Branch Code: 260050

Industrial Branch

Shakes Investment Limited Building
Plot Number 16808
Lumumba Road
Lusaka, Zambia

Telephone Numbers: +(260) 211 366 900
Fax Number: +(260) 211 845 453
Branch Code: 260002

Chingola Branch

Shop No. 13,
Park Mall,
Cnr Kabundi/Freedom Ave,
P. O. Box 11262
Chingola, Zambia

Telephone Numbers: +260 211 366 800
Branch Code: 260322

Solwezi Branch

Kapiji Mall
Shop No. 21

Telephone Numbers: +260 211 366 800
Branch Code: 262823

Kitwe Branch

City Gate Mall
Plot No. 8721, Town Centre
Kitwe, Zambia

Telephone Numbers: +260 211 366 800
Fax Number: +260 212 657 145
Branch Code: 260212

Centro Mall Premier Banking

Unit 63 Corner Bishop & Kabulonga roads
Centro Mall, Kabulonga
Lusaka, Zambia

Telephone Numbers: +260 211 366 800
Fax Number: +260 211 250602

Ndola Branch

Stand No. 2711
President Avenue
Ndola, Zambia

Telephone Numbers: +260 211 366 800
Fax Number: +260 212 610009
Branch Code: 260103

Mazabuka Branch

Plot 7A Livingstone Road
PO Box 670159
Mazabuka, Zambia

Telephone Numbers: +260 211 366 800
Fax Number: +260 213 239 023
Branch Code: 263613

Mkushi Branch

Plot 414 Independence Road
Mkushi, Zambia

Telephone Numbers: +260 211 366 800
Branch Code: 262319

Makeni Branch

Cosmopolitan Mall Shop No. 050C
Kafue Road
Lusaka, Zambia

Telephone Numbers: +260 211 366 800
Fax Number: +260 211 369 398
Branch Code: 260016

Jacaranda Mall

Stand No.3539 Jacaranda Mall
Corner of Mushili & Kabwe Road
PO Box 73642
Ndola, Zambia

Telephone Numbers: +260 211 366 800
Branch Code: 260049

Manda Hill Branch

Plot 19222, Zone 3 Building, Manda Hill Mall
Corner Great East & Manchichi Road, Lusaka
PO Box 36187,
Lusaka, Zambia

Telephone Numbers: +260 211 366 800
Fax Number: +260 211 366 875
Branch Code: 260014

Kabwe Branch

Plot No.87A Shop No.2
Buntungwa Street
Kabwe, Zambia

Telephone Numbers: +260 211 366 800
Branch Code: 260937

Choma Branch

Plot No.ME 46
Along Livingstone
PO. Box 630819
Choma, Zambia

Telephone Numbers: +260 211 366 800
Branch Code: 261238

Chipata Branch

Plot No. 646
Corner of Pererinyatwa Road
& Umodzi Highway
PO. Box 510080
Chipata, Zambia

Telephone Numbers: +260 211 366 800
Branch Code: 261121

Luanshya Branch

Plot No.4 Wada Chovu Building
Zaone Avenue, PO Box 90953
Luanshya, Zambia

Telephone Numbers: +260 211 366 800
Branch Code: 260741

Mukuba Mall Premier Branch

Shop No. 43, Mukuba Mall, 6939
Cnr Freedom Way & Chiwala Ave
Parklands, Kitwe

Telephone Numbers: +260 211 366 800
Branch Code: 260243

Kitwe Industrial Branch

Plot No: 2503 Turnpan Zambia Building
Heavy Industrial Area
Off Independence Avenue

Telephone Numbers: +260 211 366 800
Branch Code: 260247

Chilenje Branch

Plot 150/27/4586
Chilumbulu Road

Telephone Numbers: +260 211 366 800
Branch Code: 260046

Livingstone Agency

Plot 112 Mosi-oa-Tunya Road,
Livingstone, Zambia

Telephone Numbers: +260 211 366 800
Branch Code: 260046

Kalumbila Branch

Stand No. 795
Kalumbila High Street
Kalumbila Town

Telephone Numbers: +260 211 366 800

Find an ATM

Our ATMs (automated teller machines) are situated within the FNB Zambia Branches

Branch ATM's

Commercial Branch ATM

Stand number 22768
Acacia Office Park
Thabo Mbeki and Great East Roads
Telephone Number: +260 211 366 800

Kitwe Branch ATM

Union House
Plot 493/494
Zambia Way & Oxford Street
Telephone Number: 260 212 657 100

Industrial Branch ATM

Shakes Investment Limited Building
Plot Number 16808
Lumumba Road
Telephone Number: +260 211 366 900

Mazabuka Branch ATM

Plot 7A
Livingstone Road
Telephone Number: +260 213 239 000

Ndola Branch ATM

Neighbours City Estate
Plot Number 50
Telephone Numbers: +260 212 610 006/ 610 007

Makeni Branch ATM

Makeni Mall
Plot 9471/2/3
Kafue Road
Telephone Number: +260 211 369379

Mkushi Branch ATM

Plot 414 Independence Road
Telephone Numbers: +260 971254871
Mobile Number: +260 977 995 476

Jacaranda Mall ATM

Jacaranda Mall
Stand No.3539
Corner of Mushili & Kabwe Road
Telephone Number: +260 212 626 000

Manda Hill Branch ATM

Plot 19222, Zone 3 Building, Manda Hill Mall
Corner Great East & Manchichi Road,
Telephone Number: +260 211 366 863

Chingola Branch ATM

Musenga House
Plot No. 617, Shop Number 4
Kwacha Road
Telephone Number: +260 212657130

Choma Branch ATM

Plot No. ME 46
Along Livingstone Road.
Mobile Number: +260 969417613

Chipata Branch

Plot No. 646
Corner of Pererinyatwa Road
& Umodzi Highway
Telephone Number: +260 216222003

Solwezi Branch ATM

Plot No. 921
Kaonde House
Independence Avenue
Telephone Number: +260 212626013

PHI Branch ATM

PHI Shopping Mall
Stand 38147
Bennie Mwiinga Road,
Telephone Number: +260 211366919

Kabwe Branch

Plot No. 87A Shop No. 2
Buntungwa Street
Mobile Number: (+260) 965 085 195

Luanshya Branch

Wada Chovu Building
Shop No. 4
Along Zaone Avenue
Mobile Number: +260 965 841097


Kabulonga ATM

Kabulonga Shopping Mall,

Arcades ATM

Phase V ATM Lobby,
Stand number 2374
Arcades Shopping Centre,
Great East Road.

Down Town ATM

Down Town Shopping Mall,
Kafue Road,

Crossroads ATM

Stand No. 22845, Shop No. 28A,
Crossroads Shopping Mall
Leopards Hill Road

Olympic Milling ATM

Plot Number 3, Independence Avenue
City Centre

Kalulushi ATM

Stand No. 272
Buteko Drive

Oxford Way ATM

House No. 33 Ndola Road

Kwacha East ATM

Stand No. KWE/71
Kwacha East

Nkana East ATM

Stand No. 3680

Edinburg Hotel ATM,

Buteko Avenue

Parklands Centre ATM

Plot 643 Parklands Shopping Centre
Corner Kuomboka/Freedom Way

Z-Mart ATM

Inos Holding 93
President Avenue
Town Centre

Nelkanth ATM

Plot No. F/31096
Chilengwa Road
Masaiti Area


Plot No. 10709
Kabwe road

Kafubu Mall ATM

Plot 012
Corner President Avenue & T3 Highway
Kafubu Mall

Lubuto ATM

Plot Lub/3276/1
Chibesa Kunda Road

Masala ATM

Stand No. 437
Cairo Road

34. SGC - Broadway ATM

SGC Filling Station

Chifubu ATM

Stand No. CH/108 Hard K Shopping Complex
Chifubu Market

Sam Fuel ATM

Plot No. 1320,
Along Great North Road

Farm Centre ATM

Farm No. 3168
Farm Centre
Mkushi Farm Block

SGC Solwezi ATM

SGC Filling Station
Independence Avenue
Mitech Area

Kalumbila ATM

Industrial Park
Kalumbila Mineral Areas

Luanshya ATM

Plot No. 53, 14th Street
Luanshya Town Centre

Woodlands Centre ATM

Plot No. 2057
Corner of Gizenda Road and Chindo Road

Chilenje Centre ATM

Plot No. 9/65/4586
Muramba Road
Chilenje South

Showgrounds ATM

At the Real Meat Stand

Waterfall ATM

Oryx Filling Station

Kobil Filling Station ATM

Corner of Ben Bella & Lumumba Road,

Butlers Chilenje ATM

Plot No. 12/70 - 45/86
Kasama Road
Chilenje South

SGC Filling Station ATM

Plot No.5065
Mungwi Road

Manda Hill ATM

Shop No. 18B
Manda Hill Shopping Mall
Manchinchi Road

Odys Filling Station ATM

Plot No. 298
Lumumba Road

Radian Stores ATM

Radian Stores
Along Chinika Road

Kabwata Market ATM

Shop No. 465
Maunda Road
Kabwata Main Market

Vuma Filling Station ATM

Plot No. 6076
Kafue Road

Engen Filling Station ATM

Engen Filling Station
Los Angeles Road
Long Acres


University of Zambia Main Campus

Club Z ATM

Along Alick Nkhata Road

Foxdale Court ATM

Plot No. 609
Foxdale court
Zambezi Road

Riverside ATM

Plot No. 8674, Shop No.1A
Corner Jambo/Almalik Drive

Chisokone ATM

36 Kabengele Avenue

Chimwemwe ATM

Stand No. 100
Katilungu Road, Chimwemwe

Starbucks ATM

Plot No. 396A
Starbuck Food Centre
Midway Road, Kamenza

Spar Mazabuka ATM

Konkola Hypermarket Limited,

Mazabuka Sugar Farms ATM

Edwina Ceri Coventry, 52690

SGC Filling Station,

Stand No. 7821

East Park Mall,

Near Hungry Lion

Puma Filling Station,

Intercity Bus Terminus

Mukuba Branch

Shop No. 43, Mukuba Mall, 6939
Cnr Freedom Way & Chiwala Ave
Parklands, Kitwe

Kitwe Industrial Branch

Plot No: 2503 Turnpan Zambia Building
Heavy Industrial Area
Off Independence Avenue

Chilenje Branch

Plot 150/27/4586
Chilumbulu Road
Mobile: 0964-619518

Balance of Payments

Forms that will assist you to complete the new SI 55 forms

For your convenience we have provided you with example forms that will assist you to complete the new SI 55 forms. Below is a list of example and actual forms which you can download.

Example forms

Export/Receipt Monitoring Form

Import/Remittance Monitoring Form

Private External Borrowing/Lending Registration Form

Actual forms for completion

Export/Receipt Monitoring Form

Export/Receipt Monitoring Form (Continued)

Import/Remittance Monitoring Form

Import/Remittance Monitoring Form (Continued)

Private External Borrowing/Lending Registration Form

Cash Plus Agents

Deposit and withdraw cash conveniently at any FNB Cash Plus agent listed below instead of queuing at branches or ATMs. All you need is an FNB account and be registered for Cellphone Banking.


BEM Agro Suppliers & Distributors

Stand No. 05, Mine Market
Mr Besa Z Mwila
260 977 524 723


Comforts and Cleaners

Plot No. 16A, Church Road
Mr Charles Sampule
260 969 800 909

Double Double General Dealers

Shop 49, Tambalukuta Lubengele Market
Mr Kiboko
260 965 502 050


A.M.M.K. General Dea

Plot No. 22, Mimosa Street, Kabundi North
Mr Chisala Nganga
260 966 312 401

Chongs Services

House No. 42, Chiwempala Road, Chabanyama
Mr Henry Chongola
260 967 551 422

Discovery Education

Shop No. 3, Behind Zanaco Town Centre
Ms Precious Bobo
260 953 400 444

MerryTime Investments

Plot 6505 Chingola
Ms Alice Phiri
260 966 591 944

Same Team Investment Limited

Plot No. 70, Kalonga Street, Nchanga North
Mr Katula Sinkamba
260 969 765 286

WFM Prime Solutions

Plot No.69, Mukombe Street, Kabundi South
Mr Wigan Mumba
260 966 259 424


Clement Mwila General Dealers

Plot L143, Location Area
Mr Clement Mwila
260 977 456 519

Mukwasu Enterprise

Shop No. 1, Chinsali Market, Town Centre
Mr Joseph Sakala
260 974 481 830


Foxcon Enterprise

Plot No. 2, Temwani Mwiza Complex, Cargill Turn, Great East Road
Mr Chisanga Mukosa
260 962 564 045

Kuyeretsa Investment & General Dealers

Plot No. 44, Lunkwakwa Road
Mrs Esther Mwanza
260 977 313 863

Othata General Dealers

Plot No. 52176, Church Road, Town Centre
Mr Maambo Nkazi
260 966 462 643


FEM FM General Dealers

Plot 634A/1, Mwanyasunka, Great North Road Chisamba
Mrs Florence Kashilole
260 977 485 075


Grandees Food Restaurant

Shop No. 4, Arupee Filing Station, Along Livingstone Road
Mr Mohamad Hamadi

260 969 922 747

Mashana General Dealers

Shop No. 8, Batoka MarketBatoka
Choma Kennedy Kamfulwe
260 955 886 005

Pulda General Dealers

Plot No. 44, Along Wingstone Road
Mr Pule Sakala


Luli General Dealers

Plot No. 1, Tusunkane Market
Mr Lubasi Lilanda
260 968 807 692


Equilibrium Enterprises

Shop No. 24, Kafue River Mall
Mr Hamalala
260 977 669060

M & F Logistics Limited

Plot No. 1304, Hillview Park, Kafue Kafue Town
Mrs Phiri
260 977 789105

Kafue Gorge

Kaengo Enterprises

Shop No. 03, Camp 2 Centre, Namalundu Kafue Gorge
Kafue Gorge
Mrs Siame
260 966 843 984


Makai Agro Dealers

Plot No. 01, Siachitema, Kalomo Road, Kalomo Town Centre
Mr Alexander Makai
260 979 303 219
260 971 998 343


Phronesis Technologies

Plot 43, Chambishi Market, Chambishi
Mr Ronald Chipanzya
260 955 535 955

Proscope Projects Limited

Shop 273, Buteko Drive
MrsVivian Bobo
260 978784556

Third-Day Enterprise

Plot 3370, Kalengwa Road Industrial Area
Mr Nkasha Isaac
260 967 304 824

Yamij Investments

Plot 266, Nsengu Complex President Avenue
Mr Jackson Sikamo
260 966 780 887

Kapiri Mposhi

Mshambo Vet Agro

Shop No 1, Next to Necor, Town Centre
Kapiri Mposhi
Mr Mshambo
260 977 742 500


Basari Supermarket

Plot No. 3572, Mubanga Chipoya Road
Mr Enock Simute
260 978 399 204

Chisha George Enterprise

Shop No. 41217, Mukulumpe
Mr George Chisha
260 979 722 096

Chrispa Enterprise and General Dealer

Shop No. 26, Tazara Market
Mr Christopher Musukwa
260 978 397 996

Clemal General Deal

Plot No.339B, Mubanga Chipoya Road
Mr Clement Chuulabantu
260 977 758 585

Edma Enterprise

Shop No. 2485, Luwingu Road
Mr Edwin Simuyemba
260 966 455 139

Joysam Enterprise

Plot 15, Mukulumpe
Mr Cosam Mugala
260 977 439 802

Star Builders Palace Limited

Shop No. Cha 05, Old Mungwi Road
Mrs Patricia Kangwa
260 979 397 291

Wealth Hub Business Solutions

Plot 60, Mukulumpe Road
Mr Mactano Sashi
260 967 620 007


Five Tallie Enterprise

Plot 51231, Katete Boma
Mr Naphtallie Banda
260 963 304 672

Gidec General Dealers

Katete Market, Katete Boma
Mr Derrick Chilala
260 965 826 924


Forty-Six Fifteen General Dealers

Plot No. 21, Kazungula Market
Mr Kafula Kapapa
26097 7336049

Guaranteed Logistics Limited

Plot No. 2724
Mr MaClean Mwewa
260 977 190 846


Bites and More
Plot No. 1277, Chibuluma Road, Industrial Area

Mrs Nancy Kalikeka Phiri
260 976 424 148

Drivelink Auto Spares

Plot No. 1117, Eshowe Road
Mr Aldrin Sinkala
260 965 686 848

Emmos General Dealers

Plot No. L68, Mbamba Road, D63 Mindolo
Ms Mercy Sashi
260 955 573 319

ENZI Limited

Hotel Ediburgh, Obote Avenue, Town Centre
Joseph Ngaira
260 977 194 586

Fountain Agencies Limited

Shop No. 1, Allied Workers Union Building, Copperbelt University, Riverside
Mr Earnest Mwewa
260 963 680 835

Front Seat General Dealers

25 A Changanamai Trading Area, Kwacha East
Mr Saviour Chama
260 967294340

Hecsia Investment Limited

Shop 222B, Old Market Chimwemwe
Mr Siame
260 966 785 328

JABCA Investments

Shop No. 1049, Chisokone Market
Mr Bubenshi
260 977 893 667

Kumbuka Investments Limited

Plot No. 6897A, Langasha Road Second Class Trading Area
Ms Tegha
260 955 756 113

MKC General Dealers

39 Chimwemwe Market
Mr Kelvin Mwila
260 966 567 455

Star Rock Breaking

Plot No. 5, Central Street Nkana East
Mr Kibonje
260 954 578 907

Wankundi Limited

Shop No. 06, Chebwa House, Free Town Road
Mr Mwananshiku
260 966 898 990


Aurelio Suppliers A

Stand No. 61373, Maramba
Mr John Tembo
260 977 865 368

Authelux Stores

Stand No. 1951196, Chimwemwe Street
Ms Jean Malwa
260 977 336 049

Son Enterprise

Plot No. 2021, Kazungula Market
Mr Sonkhani Phiri
260 977 997 089

Teluchi General Dealers

Shop No. 04, Ellaine Brittel Market
Ms Grace Nkosha
260 976 074 461


Affluence General Dealers

House No. 2977
Mr Goodson Chungu
260 955 102 466

Chisinsi Enterprises

Plot No. 01, Ibenga Trading Area
Mr Emmanuel Phiri
260 979 501 452

Dorason General Dealers

Plot No. 234, Section 3 Roan township,
Mr Lwason Pungwa
260 964 117 577

Ibenga General Dealers

Plot No. 12, Ibenga, Mpongwe
Mr Mathews Mwamba
26097 6750071

Njelela Gen dealers

House No. 46M, Newtown
Joyce Ngambi

Vakechi General Dealers

Shop No. 02, Fisenge Market
Ms Nyembezi Banda
260 977 774 505


Amaris Investments Limited

Chawama Mall, Along Chifundo Road, Next to Embassy Mall, Chawama
Mr Chiti Chris Katongo
260 977 856 614

Answers Enterprises

Shop No. 1, Chilumbulu Road, Kamwala Market
Mr Mubanga
260 966 128 295

Betternow Family Limited

Stand No. 11360/7428, Kaunda Square Stage 2
Ms Nkoma
260 977 301 925

Braaibites T/A MoniHuB

Plot No. 3034, Mosi-Otunya Road, Woodlands Stadium
Ms Mubanga Chilufya
260 966 993 399

Cactus Financial Services Limited

Shop No. 1, Nkwazi House, Cairo Road
Mr Jasper Phiri
260 978 191 871

Chaangu Investments Limited

Office No. 204 & 216, Woodgate House, Cairo Road
Mrs Angela Chisanga
260 977 430 483

Chek Ma Fut Works

Plot No. 257, Burma Road, Libala Stage 1
Ms Mampi Siame
260 950 231 923

Chikosa Procurements

Plot No. 8985, Kafue Road
Mrs Mailesi gondwe
260 977 775 001

CKK The Great General

Stand No. 13, Mikango Market, Mikango Barracks
Mr Kelvin Chinwamufuba
260 968 257 056

Cubo Analytics Limited

Plot 17122, Chila Road, Sunningdale, Next to Petroda Filling Station,
Mrs Annie
260 950 003 031

Damum Enterprises

Plot No. 40, Kubu Road
Mr Darius Mwaba
260 977 504 501

Davonia Food Vend

Plot No. 6955, Haile Selassie Avenue, Longacres
Mr David Mwale
260 978 101 619

EKXA Investments

Shop No. 232, Soweto Market
Mr Mandandi
260 966 894 987

Extreme-Track Zambia

Plot No. 28, Omelo Mumba Road
Mr Jack Mwansa
260 977 743 698

Fabecky Suppliers

Plot No. 6093, Manchinchi, Northmead
Ms Rabecca Besa
260 964 347 469

Fine Transaction Multi Services

Shop No. 1225, New Kanyama
Mr Aaron Silavwe
260 976 626 012

Glaz Lux General Dealers

Plot No. 5564, Jack Compound Round About
Ms Gladys Mwansa
260 978 254 000

Icomos Consolidated

Plot No. 8, Enock Kavu Road Off Addis Ababa, Rhodespark
Mr Paul Kaluba
260 972 228 456

Icon Technologies Limited

Plot No. 6734, Nasser Road Shakes Pear
Mrs Shupe Ngulube Zimba
260 976 935 909

IzyPay Transact System

Shop 105, Freedom Way Northend
Mr Jester Kakoma
260 978 159 227

Jumweka Enterprises

Stand 7432, Cha Cha Cha Road
Ms Judith Mwenya
260 976 205 473

Kaozya Investment Limited

Plot No. 12681/M, Hillview Park, Chalala, Lusaka Apex MU, Kasama Road
Mr Twavula Simutowe
260 978 056 018

Kayachi Enterprise

Shop No. 2, SWT Complex, Kasama Road
Mr Chimfwembe Chisashi
260 973 922 222

KBL Enterprises

Plot 41/01 B Market, Kaunda Square Stage 1
Lucky Bwalya
260 979 882 986

Lakela Business Solutions

Shop No. 01, Kamwala South Shops, ASAFAM Complex Area Shops
Mr Lasty Mwiinga
260 977 801 395

Lawsongwe General Dealers

Plot No. 528/27, Mungwi Road
Mr John Songwe

Linked Focus Enterprises

Plot No. 17919, Along Kasangula Road near bombay drainage
Mr Alfred Phiri

Lubanji Luwi Investments Ltd

Plot No. 10942/55, Kuomboka Road, Makeni east
Mr Evans Kabwita

Lusaka Maputo Transporters

Plot No. 1969, Lusaka West
Mr Godfrey Sakala
260 977527210

Mawi Djay General Dealers

Katungu Building, Libala
Ms Fatoumata
260 977 582 346

Mcdonovan Multifari

Plot No. A470, Mtendere
Ms Bwalya Ngoma
260 976 162 712

Moonlight Electronics

Plot No. 459, Salama Park
Mr Youlden Jau Banda
260 971 431 111

Muukantha Business Solutions

Plot No. 26327, Off Kasama Road, Nyumba Yanga Market
Mr Munsaka
260 976 277 271

Normgan Enterprise

Plot No. 231, Chawama
Mr Morgan Mwape
260 977 862 759

Nyenyezi Investments Limited

Plot No. 475, Los Angeles Road, Kanyama
Mr Nkhoma

Ordinary People Enterprise

Plot No. 1010, Libala South Off Ring Road
Mr Godfrey K Chinunda
260 979 725 153

PerfectLink Bureau De Change Limited

Shop No. 57, Woodlands Stadium Mall
Mr George Chingwe
260 955 766 787

Sales Link Agency Limited

Plot No. 24786, Off Kasama Road
Lusaka Mr Kelvin Sukuni
26096 6750071

Spar Supermarket

Chawama, Chifundo Market Area
Mr Vipoor
260 971 775 443

Springfield Express

Shop No. 2, Phernsway Complex, Chilenje
Mr Boaz Phiri
260 972 161 444

Stenkha General Dealers

Shop 310, Mtendere Main Market
Mr Steven Nkhata
260 977 888 572

Stevmule Investment

Plot F/32A/E/2/E5, Off Kalimba Road, Obama
Mr Stephen Mbewe
260 961 931 498

Swipespot Solutions

Plot No. 43504, Kasama Road, Chalala
Mr Whitson Wamundila
260 967 819 836

Tama Investments Ltd

Plot No. 6068, Chitemene Road, Northmead
Mr Keeba
260 977 774 715

Taonga Butchery

Plot No. 224, Hellen Kaunda
Mr William Daka
260 964 804 365

Tilumbege Enterprises

Shop No. 149, Northmead Market
Ms Ireen Phiri
260 971 086 276

U Fuel Zambia Limited

Plot No. 34437, 15 Miles, Great North Road, U-Fuel Filling Station
Ms Mwenya
260 962 190 674

Ubushiku Bumo General Dealers

Plot No. 11306, Zingalume
Mr Daniel Mwewa
260 950 770 020

Verge Zambia Limited

Office Suite No. 139, First Floor, South Wing Building, Central Park
Mr Nkole Ntalasha
260 977 668 062

Yes Capital Limited

Shop No. 38, Off Mosi-aoTunya, Woodlands Stadium
Mr Joseph Bnada
260 977 684 444

Ze Mpunduz General Dealers

Flat No. 6, Villa Elizabeth
Mr Chinyata Kasongo
260 977 707 787

ZOZO Twenty Four Resturant & Take Away

Plot 25, 7th Street (Maunda), Kabwata Estates
Mrs Mirriam Mwanza
260 955 824 455


Reeba General Dealers

Shop B24
Mr J Chileshe
260 973 848 479


C & C World Trade

Plot No. 157, President Avenue
Mr Frank Chola
260 967 867 408


Annimwa General Dealers

1 Nakambala Market
Ms Annie Mwanza
260 978 088 645

I am Grafix and Advertising Solutions Ltd

1246 Westvilla
Mr John Divunda
260 977 828 907

Kanyanta Shopping Centre

Stand No. 116, Main Market, Monze
Mr Authur M Malimwipi
260 977 542 439

Laztech General Dealers

Plot 510, Town Cetre
Mr Lazarous Singogo
260 963 156 523

Mukatatech General Dealers

Plot No. MH58, Mulonga Extension
Mr Mwangala Mukata
260 976 496 328

Nzalewi General Dealers

Plot No. 90, Nakambala
Mr Lewis Phiri
260 955 277 552

Patriy General Dealers

Plot 61, Nakambala Market
Mr Clement Chileshe
260 979 835 964

Rahnard Agro Suppliers

Plot No. 873A/48
Mr Bernard Mulenga
260 977 195 987

Three Girls Enterprises

Plot No. MC 62, Changa Changa
Mr Mulubwa Ngosa
260 963 553 302

Twalibanji Agro Dealers

Plot 3 Malabo, Chikankata
Mr Obrian Hang'andu
260 977 824 741


Bavika General Dealers

Shop No. 186B, President Avenue
Mrs Virginia Kamwi
260 977 351 146
260 968 634 886


Global Cedar Investments Limited

Plot No. 34, Chengelo
Mr Nelson Phiri
260 977 225 422

Kabs Enterprise Plot No. 602, Independence Avenue

Ms Priscilla Kapalu
260 968 265 774

Melekel Enterprise

Plot 51, New Masansa Market
Mr Meleki
260 969 681 516


Willie Internet Café

Plot No. 611, Independence Avenue
Mr Willie Mashewani
260 967 404 265


Exodus Business Centre

Plot No. 1235, Independence Avenue
Mr Jean M V Mulindahabi
260 964 141 081

Katunjila Enterprises

1 Truckers Building, Livingstone Road Town Centre
Dr Muchiso
260 962 480 620

Sustainable Rural Development

Plot No. 06 Livingstone Road Maunungu
Mr Philip Nsakilwa
260 978 300 556


Alaam General Dealer

Plot No. 3457, Mpika Boma, Musakanya Kombe Drive
Mr Augustine Chimpali
260 966 804 002

G.M. Trading and Construction

Plot No. 5728, Great North Road
Mr George Mwape
260 966 804 002


Rongo Rongo

Plot No. KM 12 A Kamirenda, Mpongwe Market
Mr Ngowani
260 966 273 260


Db Cash And Carry

Plot No. 254, Buntungwa Street, Town Area
Dominic Bunda
260 967 183 991

Pieri Trucking

Plot No. 1267/68
Andrew Pieri
260 966 997 100


Ndakeni General Dealers

Plot 1891, Mbabbe Shopping Mall Complex, Central Business Town
Mr Francis Ndakeni
260 971 096 247
260 977 975 053


Nakonde Progress Grocery & General Dealers

Shop No. 10, Mukoma Extension
Mr Collins Mwamba
260 979 435 223

Zawadi Cargo and Logistics Limited

Town Centre, PO BOX 430102
Mr Gift Munthali
260 979 678 079


Freetime Phiri And Sons

Plot No. 3, Off Namwala Main Road, Town Centre
Mr Thomas Phiri
260 977 861 327
260 966 134 343


Capmalu Agro General Dealers

Plot No. 5173/4 Mushili, Ndola Skyway
Martha Msidi
260 977 707 166

Kamiza Fashions Limited

Plot 227, Buteko Avenue
Mr Aaron Nkhata
260 977 199 264

Variety Procuments Services

1201/25204 Chishikubili Cresent, Mushili
Mr Harry Mazunda
260 966 949 606


Rijay Trading Limte

Plot No. 668, Alick Maponda Road, Old Hospital Road, Behind Main Market
Mr Jacob Mwale
260 977 771 825


Judo General Dealers Limited

Stand No. B/C 251, New Market, Town Centre
Mr Justin Tembo
260 966 362 898

Khulani Agencies Co
Plot 078, Behind Indian Shops

Mr Zilekeni Mbazima
260 979 487 111

Tapokela Enterprise

Plot 2659, Opposite Boma Lodge, Town Centre
Brian Moyo
260 972 435 334

Timing Pub Twenty Four

1 Ukwimi B, Off Sonja Road
Mr Barrick Miti
260 976 643 139
260 955 430 938


Abkema Technology

Ibobelo Road, Nganswa, Serenje Town Centre
Abraham Kenneth Malilo
260 977 206 344


Fedaku Enterprise

Shop No. 2, Governmemt Road, Siavonga Main Market
Mr Festo Mwanza
260 978 386 672

Lake Safari Lodge

Plot 230 Simamba Road
Mr Maurice John Diamond
260 968 400 543
260 966 176 015


Quick and Pick Super Market

Plot No 04, Great East Road, Nyati
Mrs Alloo
260 965 975 190


Awesome Executive Lodge

Plot No. 02, Shileda Road
Mr Rapheal Mukanshi
260 968 624 949

Tepaka Enterprises

SRD2 No. 21, Lumwana Township
Ms Ann Kalwazhi
260 963 701 763


C & A Fish Centre

Main Bus Station
Mr Fred Chibulu
260 977 476 646

Kanjess Enterprises

2 Old Market Area, Hospital Road
Mr Kanchaha Shampaya
260 955 567 518

Mwata Agro Solution

Shop 16, Coppers Corner Business Park
Mr John Nswanamuni
260 967 039 620


Penga Ubone Enterpr

Plot No. 19, Lusaka Road
Mr Fred Kasungu
260 977 745 405


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The FirstRand Banking Group and all its subsidiaries and associates globally, referred to as the Group, are committed to a policy of fair dealing and integrity in the conduct of its business.

This comment rests on the fundamental belief that business should be conducted honestly, fairly and within the framework of applicable laws.

The Group expects employees to share its commitment to high moral, ethical and legal standards, and be committed to contribute to the commercial success of the Group, achieved against this ethical background.

Adherence to this Code is a strategic business imperative and a source of competitive advantage.

Purpose and scope of this code

The purpose of the Code is to promote and enforce ethical business practices and standards within the Group and to provide a benchmark for all behaviour. All employees are requested to take careful note of the contents of this Code and ensure that they comply with both the written word and the spirit of the Code.

Application and general obligations

This Code of Ethics applies to:

  • The managers and directors of the Group, including non-executive directors; and
  • Employees;
  • Other representatives (i.e. contract employees, fulltime consultants, etc. of the Group).

All persons listed above are individually and/or collectively referred to as 'employees' in this Code.

In practicing this Code, all employees are expected to:

  • Respect their terms and conditions of employment
  • Defend and maintain the reputation of the Group
  • Practice sound labour relations
  • Develop their personal capabilities

If employees are in doubt about how to apply the Code, they should discuss the matter with the person to whom they report.

The Group may, from time to time, and after consultation with staff representative bodies, amend the Code and these changes will be communicated to all employees.

If employees become aware of, or suspect a contravention of the Code, they must promptly and confidentially advise the Group as set out in the section 'Contravention of the Code'.

Compliance with laws and regulations

Employees must comply with the applicable laws, rules and regulations which relate to their activities for and on behalf of the Group.

Employees may not break the law or enter into unethical business practices, including taking money for, or taking part in, any unlawful act/s including but not limited to bribery, fraud, theft or money laundering.

Employees must ensure that their behavior cannot be interpreted in any way as contravening any laws and rules that govern the operations of the Group. Employees should ensure that they are not involved in any form of dishonesty, deceit or misrepresentation, during or after working hours, that may affect the Group or the employment relationship.

The Group will not condone any violation of the law or unethical business practices by any employee.

An employee who has to appear in a court of law, on a matter which may affect the Group, either on his/her own behalf or as a representative of the Group, should inform his/her immediate senior with immediate effect.

The Group supports:

  • The King Report on Corporate Governance;
  • The Code of Banking Practice of the Banking Council of South Africa;
  • The Register of Employees Dismissed;
  • The Code of Ethics and Standards of Professional Conduct of the Institute of Financial Markets;
  • The rules and directives of the Johannesburg Stock Exchange; the rules of the South African Futures Exchange; and the Rules of the Bond Exchange of South Africa.
  • Bank of Zambia Corporate Governance Guidelines

Copies of these documents and all applicable acts are kept in the Compliance/Internal Audit Departments and are available for reference to all employees.

Compliance/internal audit departments

Employees should, at all times, ensure that the Group's assets, including copyright and intellectual property, are used for lawful business purposes only, and remain the sole property of the Group.

When using material in substantially the same form as prepared by other persons, employees should acknowledge the author or publisher of that material.

Obligation of managers

Managers shall:

  • be responsible for communicating this Code to all employees and ensuring that they understand it;
  • be responsible for the observance of the ethical obligations of their areas of control;
  • make sure employees comply to the Code when relating to customers;
  • respect the confidentiality of sensitive customer information;
  • act honestly and in good faith;
  • not allow Group services to be used for private purposes, unless special prior approval has been obtained from a senior;
  • act within his/her powers, in the interest of, and for the benefit of, the Group;
  • not place themselves in a position where their personal interests could conflict with their duties to the Group;
  • ensure good buying practices with suppliers to the Group;
  • report honestly on the financial position of the Group to its creditors, when necessary.

Conflict of interest

A conflict of interest exists when employees in association with immediate family members have direct or indirect personal interests in, or derive benefits from, transactions to which the Group is also a party. Such situations must be avoided and prevented at all times, in the interest of honest and bona fide busi ness practices. Employees are expected to perform their duties conscientiously, honestly and in accordance with the best interests of the Group.

Employees will, therefore, not carry on business on their own account or have other conflicting interests, without full disclosure to the Group.

If employees are of the opinion that the conduct, behavior or activity in which they are involved may constitute a conflict of interest with the Group, it should immediately be brought to the attention of that employee's immediate senior.

1. Personal account trading

The Group acknowledges and respects the right of all employees to make personal investment decisions as they see fit, as long as these decisions do not contravene the provisions of the Code, any applicable legislation, or any policies or procedures established by the various operating areas of the Group.

This includes the provision that these decisions are not made on the basis of material confidential information obtained by reason of their employment.

Employees may enter into personal account joint trading, provided that the trading:

  • Is not insider trading (using confidential information that may affect the share price);
  • Does not conflict with the interests of the Group or its client;

2. Gifts, hospitality and favours

Financial services officials have a specialized position in the business world which places them in situations where efforts will surely be made to influence their discretion.

Conflicts of interest can arise when employees are offered gifts, hospitality or other favours that may, or could be perceived to influence their judgment in relation to business transactions such as placing orders and contracts or procuring clients and accounts.

Employees may under no circumstances accept gifts that can be regarded as bribes e.g. valuable and expensive gifts, airline tickets, etc.

Any gift that has the potential to affect that employee's future objectivity or places that employee under any obligation, is not acceptable, unless fully approved by the employees senior. Cash gifts may not be accepted under any circumstances.

Any offer of this kind must be declined politely or returned to the sender immediately, if it is delivered without prior notice. The onus is on the employee to seek clarification from his senior in the event of uncertainty.

Accepting small gifts such as promotional items, company pens, or items of limited value, would not be regarded as breaking this Code.

Occasional personal hospitality, such as tickets to local sporting events or theatres may be accepted, provided that the person receiving the favour pays for any travel or accommodation him/herself.

If an employee receives an invitation to out-of-town events, trips or promotions involving travel and accommodation arrangements that the employee does not pay for him/herself, he/she should obtain approval from the head of the business unit. Employees should follow the same guidelines when handing out gifts to clients.

3. Outside activities, employment and directorships

We all share a very real responsibility to contribute to our local communities, and the Group encourages employees to take part in religious, charitable, educational and civic activities.

Employees should, however, avoid taking part in any activity outside the Group which would constitute an unreasonable demand upon their time, attention and energy and which would hinder their job performance/best efforts on the job.

Valid participation in the activities of the recognized trade union would not constitute a conflict of interest. A conflict of interest is a duty, interest or distraction that would interfere with his/her independent judgment in the Groups best interest.

Employees should obtain prior written permission from the Group to hold any employment and/or interest in any business undertaking, outside the Group, including any temporary employment. Employees must therefore obtain prior approval from their immediate senior before accepting any appointments as a director of public or private company is outside the Group (See Appendix I).

Relationships with customers and suppliers

Employees should ensure that they are independent, and are perceived to be independent, from any business organization having a contract with the Group or providing goods or services to the Group.

Employees may not invest in, or obtain a financial interest, directly or indirectly, in such a business organization, other than shareholdings in public companies.


No employee may accept commissions or other payment related to the sale of any product or service belonging to the Group, except as specified in the employee's terms of employment. Employees may only sell authorized products and services.

No employee may accept payment or commission of any kind from a customer, supplier, etc.

Confidentiality and Protection of Information

The employee acknowledges that he/she will accumulate, during the course of his/her employment with the Group, a considerable amount of information, which he/she acknowledges to be of a confidential nature, the employee acknowledges responsibility for ensuring the protection of such information and will not divulge it in any unauthorized manner.

No information, financial or otherwise, regarding any clients of the Group may be provided to outsiders, without the prior written permission of the client.

Media relations

Only executive management or the designated spokesperson may, as a general rule, communicate publicly regarding the Groups position on public policy or industry issues.

Personal behaviour

Employees should conduct themselves in accordance with the highest personal and moral standards and should not behave in any manner that may bring the Group into disrepute.

Employees should maintain their personal financial affairs in a proper and responsible manner, within their financial means, and immediately report any sensitive situation that may have a negative impact on the employee's position or performance or that of the Group.

The Group accepts that employees participate in the political process and respects their right to privacy, freedom of association, etc. with regard to personal political activity.

Group funds, goods or services, however, may not be used as contributions to political parties or their candidates.

Employees should separate their personal roles from the Groups position when communicating on matters not involving Group business.

Environmental responsibility

The Group is committed to providing a safe work environment for all employees in terms of the law, and supports environmental management where it is applicable.

Employment equity

The Groups Employment Equity Policy ensures compliance with the Employment Equity Act and the Group is committed to achieving the purposes of the Act, namely:-

  • Eliminating all forms of unfair discrimination
  • Promoting diversity and a culture of equality

The Group therefore promotes a system of equal opportunity and equal treatment for all and rejects any form of tokenism, window dressing, 'jobs for loyalty' employment.

The Group commits itself to creation of an environment within which an employee can assure his/her own employability, inside or outside the organization.

Contravention of the Code

Non-compliance with the Code is a serious and disciplinary offence. Any investigation into suspected or possible breaking of the rules must be kept confidential.

If an employee is of the belief that his/her conduct may have contravened the Code, this should be immediately reported to his/her senior, who will take the necessary action.

If an employee becomes aware or suspects that someone else within the Group has or may have contravened the Code, this information should also be reported immediately to his/her senior, preferably in writing and in a confidential manner. The employee should not confront the individual concerned to ensure confidentiality and for the matter to be investigated objectively.

All information received even anonymously should be reported to the Group.

Non-compliance with the Code may lead to disciplinary action being taken against an employee, which may lead to dismissal. Certain breaches of the Code could also culminate in civil or criminal proceedings.

This Code and its Principles as set out above are to be implemented throughout the Group.

Procedure in declaring outside interests (Appendix I)

1. Definition of outside interests to be disclosed:

The onus rests on employees and directors to disclose all potentially conflicting interests.

  • These interests should be declared on the following basis:
  • Any position or beneficial interests that an employee or his/her immediate family may hold in any company (public or private), partnerships, close corporations, bodies corporate, or business venture of any nature, must be disclosed.
  • This situation does not apply to the acceptance of office on club committees, welfare organizations or bodies of a similar nonprofit making nature.
  • All existing outside interests which were established before the issue of this Code document, must be disclosed and declared.
  • All existing and new appointments will be required to declare any outside business interests in accordance with the above Code and provide details of any changes in future.

2. Procedure for Disclosure

This information should be disclosed to the employee's immediate senior or any higher authority, who will be responsible for recording the interests concerned in a confidential register and submitting it to the CEO.

Details of the interest are required in order to decide whether the interest conflicts with group business.