paul clifton

Decem has been established by Paul Clifton to provide legal, structuring and operational advice to users of derivatives. Paul had done this for investment banks as an in-house lawyer for over ten years (five years in London and five years in Johannesburg).Decem provides legal and regulatory, structuring and operational advice in relation to all types of over-the-counter derivatives and exchange traded products.

Nedbank Group Limited is a bank holding company that operates as one of the four largest banking groups in South Africa. The company's shares have been listed on the JSE Limited since 1969. The group offers a wide range of wholesale and retail banking services through four main business clusters, namely Nedbank Capital, Nedbank Corporate, Business Banking and Nedbank Retail. Nedbank Group focuses on southern Africa, with the group positioned to be a bank for all – both from a retail and wholesale banking perspective. The principal services offered by the group comprise business, corporate and retail banking, property finance, investment banking, private banking, foreign exchange and securities trading. Nedbank Group also generates income from private equity, credit card issuing and processing services, custodial services, unit trust administration, asset management services and bancassurance.