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      Cover for Death, Permanent Disability, Serious Illness & Income Booster.

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      Cover for certain Critical Illness -Heart attack, stroke, cancer.

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      Cover for Income Protection following death.

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Investor Relations

The RCS Group is an independent financial services company, operating in South Africa, Namibia and Botswana. Since its inception in 1999, RCS has provided credit and financial services to more than 2 million customers.

About /   Investor Relations

  • Financial Results and Policies

  • Domestic Medium-Term Note (DMTN) Programme with BNP Guarantee - Investor Communication

  • Domestic Medium-Term Note (DMTN) Programme with BNP Guarantee - Placing Documents

  • Domestic Medium-Term Note (DMTN) Programme without BNP Guarantee - Investor Communication

  • Domestic Medium-Term Note (DMTN) Programme without BNP Guarantee - Placing Documents

  • Credit Ratings - S&P Programme Rating

Financial Results and Policies

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December 2024 Annual Financial Statements

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December 2023 Addendum to Annual Financial Statements

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December 2023 Annual Financial Statements

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December 2022 Annual Financial Statements

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December 2021 Annual Financial Statements

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December 2020 Annual Financial Statements

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December 2019 Annual Financial Statements

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Corporate Governance Policy

Domestic Medium-Term Note (DMTN) Programme with BNP Guarantee - Investor Communication

download-document

July 2024 Investor Roadshow presentation

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September 2023 Investor Update presentation

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July 2021 Investor Roadshow presentation

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August 2020 Investor Roadshow presentation

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RCS response to Covid-19 & Edcon business rescue

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June 2025 Investor Dashboard

Domestic Medium-Term Note (DMTN) Programme with BNP Guarantee - Placing Documents

download-document

RCS Programme Memorandum (BNP Paribas Guaranteed)

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BNP Paribas Guarantee

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RCS Cards Guarantee

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Applicable Pricing Supplement (BPPF53)

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Applicable Pricing Supplement (BPPF52)

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Applicable Pricing Supplement (BPPF51)

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Applicable Pricing Supplement (BPPF50)

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Applicable Pricing Supplement (BPPF48)

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Applicable Pricing Supplement BPPF44

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Applicable Pricing Supplement BPPF43

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Applicable Pricing Supplement BPPF42

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Applicable Pricing Supplement BPPF40

Domestic Medium-Term Note (DMTN) Programme without BNP Guarantee - Investor Communication

download-document

RCS Roadshow Presentation October 2024

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RCS Group Financial Dashboard – 31 December 2024

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RCS Roadshow Presentation April 2025

Domestic Medium-Term Note (DMTN) Programme without BNP Guarantee - Placing Documents

download-document

RCS Programme Memorandum (without BNP Guarantee)

download-document

RCS Cards Guarantee

 download-document

Information Statement

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Applicable Pricing Supplement (RCS01)

 download-document

Applicable Pricing Supplement (RCS02)

Credit Ratings - S&P Programme Rating

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S&P Issuer Rating - August 2024

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S&P Issuer Rating - July 2023

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S&P Issuer and Programme Rating - March 2023

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S&P Issuer and Rating - April 2021

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S&P Issuer and Rating - November 2019

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S&P Issuer and Rating - July 2018

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S&P Issuer and Programme Rating - November 2017

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S&P Issuer and Programme Rating - September 2016

Investor Relations Sections

  1. Financial Results and Policies
  2. Domestic Medium-Term Note (DMTN) Programme with BNP Guarantee - Investor Communication
  3. Domestic Medium-Term Note (DMTN) Programme with BNP Guarantee - Placing Documents
  4. Domestic Medium-Term Note (DMTN) Programme without BNP Guarantee - Investor Communication
  5. Domestic Medium-Term Note (DMTN) Programme without BNP Guarantee - Placing Documents
  6. Credit Ratings - S&P Programme Rating

*As at 31 December 2024 RCS has no conflicts of interest to report

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If you suspect any fraud on your account, or that you might be a victim of a scam involving RCS, please email investigations@rcsgroup.co.za

Whistleblowing:
Report employee misconduct: EthicsPoint - BNP Paribas Group Alternatively Email: whistleblower@rcsgroup.co.za

National Financial Ombud Scheme

Phone 0860-800-900 Whatsapp +27 (0) 66 473 0157 Email info@nfosa.co.za

2025 - RCS Group. RCS is a registered Credit and authorised Financial Services Provider. NCRCP 38. FSP 44481

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If you suspect any fraud on your account, or that you might be a victim of a scam involving RCS, please email investigations@rcsgroup.co.za

Whistleblowing:
Report employee misconduct: EthicsPoint - BNP Paribas Group Alternatively Email: whistleblower@rcsgroup.co.za

National Financial Ombud Scheme

Phone 0860-800-900 Whatsapp +27 (0) 66 473 0157 Email info@nfosa.co.za

2025 - RCS Group. RCS is a registered Credit and authorised Financial Services Provider. NCRCP 38. FSP 44481

  • Privacy Policy
  • Cookie Policy
  • Terms and Conditions
  • Report Fraud