Predominantly sourced from Southern Africa, RMBH's well-diversified income stream is drawn from the full spectrum of financial services. The significant shifts in relative contributions between years can be ascribed to a reversal of the negative factors that suppressed the Banking group's performance in the prior year result, namely retail lending bad debts which started to unwind during the current year and losses in the international trading portfolios of the Investment bank that did not re-occur in the current year.