Standard Bank has a 150-year history in South Africa and started building a franchise in the rest of Africa in the early 1990s. There are now banks in 18 countries just on the African continent. This bank offers personal and business banking as well as other financial services to its customers. It strives to maintain high standards of service to all customers, whether their banking needs are basic or more sophisticated, and to do so in a cost-effective manner. The bank aims to grow its presence in emerging markets on a continuous basis. Products and services at the bank include mortgage lending, vehicle financing, credit and debit card facilities to individuals and businesses, electronic banking, personal and business loans, the provision of insurance products and financial planning services.