Service: 11 years

Qualifications: BSc (University of Cape Town), MBA (University of the Witwatersrand), AMP (Harvard, USA)

Ciko joined the group in January 2010 as Group Executive of Group Marketing, Communications and Corporate Affairs and in November 2010 he was appointed as Managing Executive of Consumer Banking in the Retail and Business Banking Cluster. Ciko has wide-ranging marketing and business experience in financial services, the consumer goods and motor industries. He started his professional career at Unilever in Durban in January 1992. He joined Nedbank from Barloworld, where he was the Group Marketing Director of the automotive division. Ciko was previously General Manager of Retail Banking Marketing at Absa Group. He has also held various management positions at South African Breweries, Unilever and M-Net. Ciko was appointed Group Managing Executive of Nedbank Retail and Business Banking on 1 April 2016.