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Mercantile Bank Holdings Limited is a registered bank controlling company and an investment holding company. Its holding company is Caixa Geral de Depósitos S.A. (CGD), a company registered in Portugal. Mercantile Bank Limited provides a full range of international and domestic banking services. It operates in selected retail, commercial, corporate and alliance banking niches to which it offers banking, financial and investment services. It is a wholly-owned subsidiary of Mercantile Bank Holdings Limited.

An established history has also enabled the Bank to maintain a mature and diversified portfolio of clients which includes local, Africa, Europe and multinational corporations as well as local institutions and government agencies. The Bank provides working capital and international commercial banking support to these clients, including services such as treasury management. Mercantile Bank invested in world-class systems and use innovative technology to provide unique banking services.

Mercantile Bank is a clearing bank, which offers a full range of banking products including cheque accounts and a full range of VISA credit cards, ATM cards, home loans, personal finance, as well as a variety of investment products. Personal and business-related needs can be financed through one of any number of the financial facilities that we offer our customers.

Mercantile Bank has a total of 15 branches countrywide and its head office is based in Sandton, Johannesburg. Besides commercial banking, which includes deposit taking, the provision of cheque services and lending, Mercantile Bank may also carry on any other business which is regulated or authorized by Reserve Bank, including financial advisory services, trade finance, short term investing and short-term foreign exchange.

The Reserve Bank is responsible for bank regulation and supervision in South Africa. The purpose is to achieve a sound, efficient banking system in the interest of the depositors of banks and the economy as a whole. This function is performed by issuing banking licenses to banking institutions and monitoring their activities as regulated by the Banks Act (No. 94 of 1990) and the regulations relating thereto.