NBS Bank
Bernard Sande, CFA, has a diverse work experience in the finance industry. Bernard currently serves as the Head of Investment Banking at NBS Bank since September 2023. Prior to this, they worked at Old Mutual Investment Group Malawi where they held various roles, including Head of Origination from September 2020 to September 2023, Project Manager, Credit Origination from January 2020 to September 2020, and Portfolio Manager for Equity Investments from February 2015 to January 2020. Before joining Old Mutual, Bernard worked at National Bank of Malawi as a Corporate Dealer in Treasury & Investment Banking from November 2010 to February 2015.
Bernard Sande, CFA has a Bachelor of Business Studies (BBS) degree from the University of Zimbabwe. Bernard pursued this degree from 2003 to 2007, specializing in Investments, Banking, and Financial Analysis.
In 2012, Bernard obtained an ACI Dealing Certificate from ACI The Financial Markets Association. This certificate focused on Treasury Front Office and was completed within the same year.
Bernard also holds a designation as a Chartered Financial Analyst (CFA) from the CFA Institute, although the specific details of this education are not provided.
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NBS Bank
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NBS Bank is a fully fledged commercial bank providing a wide range of financial services to individuals, small and medium businesses, large corporations and public institutions. The Bank was incorporated as a limited company on 14th March 2003 and was registered under the Banking Act 1989 on 1st March 2004. It started its commercial banking operations on 1st July 2004. The Bank’s predecessor institution, the New Building Society, was formed following the amalgamation of the Central African Building Society, Commonwealth Century Building Society and First Building Society. It was incorporated under the Building Societies Act on 7th February 1964. NBS Bank is listed on the Malawi Stock Exchange and currently its shareholding is as follows: Nico Holdings Limited 50%, Continental Holdings Limited 27%, General Public 15%, IFC 5%, Continental Asset Managers Ltd 2%, NITL 1%. In line with our philosophy of “taking banking to the people,” the bank boasts of having one of the widest and probably the best service network in Malawi. NBS Bank has 32 real-time Service Centres strategically located across the country. In addition, the Bank offers the highest number of ATM’s, very innovative Mobile, Agency and SMS banking services to give our customers additional service delivery platforms.