Transaction Capital is an independent group of industry leading companies, participating in non deposit taking banking segments of the southern African financial services sector.

What are our objectives?

Enhancement of competitive position

Transaction Capital regards its primary objective as the enhancement of the competitive position of its subsidiaries, which provide credit, credit services and payment services to nichéd segments of southern African consumer markets, small micro and medium enterprises (SMMEs), and to the retailers, banks and other institutions who supply these segments with goods and services.

This role extends beyond the conventional operational and portfolio responsibilities of a holding company, to the active creation of stakeholder value through entrepreneurship, restructuring, transferring of skills and expertise, and the sharing of resources.

Investor in companies and assets

Transaction Capital regards its secondary role as an investor both in companies that expand its penetration into its chosen markets, and in underperforming assets or alternative debt positions from which its expertise will extract value. Transaction Capital has the highest regard for the expectations, standards and reputation of its clients and counterparties, many of whom rank among southern Africa’s most respected companies. Transaction Capital is therefore dedicated to upholding the highest standards of risk management, compliance, governance, transparency and ethics.

While recognising that cost control and efficiency of resource utilisation provide the foundation for any competitive value proposition, Transaction Capital will invest aggressively in the assets, systems and human capital necessary to provide measurable, innovative solutions and benefits to customers and clients.

How do we measure our success?

• unquestioned integrity in all our dealings;
• total compliance with the letter and spirit of all laws, codes and professional and institutional practices;
• proactive relationships with all relevant arms of government;
• mutually respectful relationships with bona fide organisations established to represent the collective interests of Group or subsidiary stakeholders;
• highly competent management and staff, whose relationships with clients and other stakeholders are founded on expertise, predictability and respect.