2. O
U
R
L
I
N
E
A
G
E
Risk Benefit Solutions (RBS) originated from a small proprietorship in 1988 to become one
of the largest fully fledged financial services advisory firms in Southern Africa in little over
twenty years. The company covers a broad spectrum of services including Insurance
Broking, Risk Management, Corporate Risk Advisory, Employee Benefit Administration
and Consulting and Health and Wealth management.
Through a combination of targeted strategic acquisitions and a focus on driving organic
growth, RBS has grown its market position by understanding that its success can only
be achieved through the success of its clients.
As a result, RBS seeks to form strategic partnerships with all of its clients by tailoring its
specialised service offering to be fully aligned with their unique requirements.
Following a merger in 2011, with Katz Breskal Insurance Brokers, RBS has since rebranded and is now known as RBS KATZ BRESKAL. Katz Breskal was founded in 1983
by Stanley Katz and David Breskal. The two entrepreneurs grew the business though
careful market selection and providing superior customer service. This year it celebrated
28 years of successful broking in the Western Cape. Through a mutual investment of
the Hollard Insurance company in both Katz Breskal and RBS, it was discovered that
formidable synergies existed between the two companies. The meger was finalised on
July 1st 2011.
While the profile of RBS KATZ BRESKAL has changed significantly over the years, its core
principles remain constant with a strong emphasis on service excellence and a desire
to build and maintain the strongest possible relationships with its clients by providing
innovative solutions to meet their needs.

3. G O
I
N
G
F
O
R
W A
R
RBS KATZ BRESKAL’s vision is to be the financial services company most
admired for its people, values, performance and customer service. This
vision is pursued through well-developed strategies, underpinned by strong,
commonly-shared values.
The core strategies that RBS KATZ BRESKAL will develop and implement
include:
• Expansion of the business through organic growth, improved productivity
and appropriate acquisitions;
• Continued recruitment and investment in, and retention of, the best people;
• Innovative use of technology to deliver superior service and performance;
• Continual development and building of organisational capabilities to optimise
operational excellence, cost management, service levels and profitability.
D
The reasonable man adapts himself to the world, the unreasonable one persists in trying to
adapt the world to himself. Therefore, all progress depends on the unreasonable man.
George Bernard Shaw : Irish dramatist & socialist (1856 - 1950)

4. G
R
O
U
P
S
T
R
U
C
T
The shareholding and structure of RBS Katz
Breskal is shown in the diagram below:
RBS Katz Breskal Management
Hollard Insurance Group
Investment Holdings
Corporate
Insurance and Risk services
Marine
Insurance Admin Services
Administration
Employee Benefits
Consultancy
Wealth and Health
U
R
E
The team with the best players wins.
Jack Welch: Former chairman and CEO of General Electric

5. D
I
V
I
S
I
O
N
S
Give your customers what they need, not what you want.
insurance and risk services
RBS KATZ BRESKAL Insurance and Risk Services is the group’s shortterm insurance brokerage covering both personal and commercial
insurance, servicing small to medium businesses, corporate clients
and private individuals. This division includes specialised and unique
products.
The commercial area of Insurance & Risk Services comprises:
Corporate and Risk Management - This specialised division is operated
by highly experienced professionals, providing a wide range of
strategic and operational risk management services across a number
of industries. Specialised Corporate offerings include, among others,
Bankers Blanket Bond, Broad Form Liability, Product Recall and Trade
Credit insurance, in addition to the more common forms of cover.
Marine - RBS KATZ BRESKAL Marine is a well-established, trusted and
comprehensive provider of marine insurance products. Cover includes
luxury yachts to fishing vessels, goods in transit to marine import and
export, and marinas to ship repairers. These solutions often include
unique, exclusive and specialist marine facilities, tailored to individual
requirements.
Insurance Administration Solutions - RBS KATZ BRESKAL insurance
administration partner - manages all of the business placed within the
Hollard Select Broker Facility, from underwriting to management of
claims. This facility provides a flexible and superior service, unsurpassed
in the industry. All broker partners are carefully selected and provided
with a portfolio management capability.

6. D
I
V
I
S
I
O
employee benefits
N
S
RBS Employee Benefits specialises in providing benefit consultation for
both pension and provident retirement funds, with a particular emphasis
on Umbrella Funds. They have formed strategic partnerships with each
of the major suppliers which allows them to offer a comprehensive
collection of products and services. In addition to this, they provide
complimentary products to employee benefits such as medical aids,
gap cover, free-standing group life, disability funds and funeral benefits.
This division sits alongside and works in tandem with their risk and
retirement divisions.
In 2015, it is the government’s intention to implement sweeping changes
to the benefit and tax structure of pension and provident funds, as
contained in the Retirement Reform Paper. It is therefore imperative
that both commercial and corporate clients are made aware and
assisted in ensuring that their employee benefits are both innovative
and compliant. RBS Employee Benefits offers free consultation to not
only existing but also potential clients.
One moment of patience may ward off great disaster. One moment of impatience may ruin a whole life.
Chinese Proverb

7. D
I
V
I
S
I
O
N
wealth management
S
RBS KATZ BRESKAL Wealth Management provides solutions for the
financial needs of institutional investors and private clients.
The company takes a holistic approach to financial planning, beginning
with a comprehensive financial needs analysis to understand the
client’s financial circumstances and objectives. Based on that, RBS
KATZ BRESKAL finds informed solutions to the most urgent insurance
needs, i.e. life cover and disability, as well as devising and implementing
a plan for retirement, encompassing pension funds, retirement policies,
equity, property and other investments.
The Wealth Management division will also help structure wealth
and maximise benefits through detailed estate planning and trusts.
Additionally, RBS KATZ BRESKAL’s business assurance expertise can
help plan for how the death or disability of a business owner may affect
the business, its partners and their families.
Whether RBS KATZ BRESKAL provides its own products or access to
those of reputable partners, it ensures that its clients enjoy the solution
that is most cost-effective and most suitable for their needs.
RBS Katz Breskal. Wealth Exponentially.
The Emperor and the Inventor
An inventor carved a game of strategy that used wooden avatars, manoeuvred on a checker board.
It was presented as a gift to the emperor who in return offered to remunerate the inventor accordingly.
Instead of money, the inventor requested that for every block on the board, the emperor give him a
grain of rice and that it should doubled at the advancement of each block. The emperor quickly agreed
to this seemingly low price. Although little did he know that the kingdom itself did not own enough rice
to fulfil the inventor’s request.

8. D
I
V
I
S
I
O
N
health management
S
RBS KATZ BRESKAL has assembled an experienced team to manage the
Healthcare division, providing much needed expertise in the increasingly
expensive and complicated healthcare sector in South Africa.
Higher costs have meant many businesses are unable to offer staff health
cover benefits. At the same time, medical care is more complex than ever;
new legislation and product innovation means there are hundreds of medical
aid plans available, varying greatly in terms of accessibility, cost, structure,
cover and benefits.
By understanding the intricacies of the industry and by offering a wide range
of medical aid options, RBS KATZ BRESKAL is able to design and implement
a healthcare solution that looks after the client’s specific needs, whether as
an employer or as an individual.
Physical fitness is not only one of the most important keys to a healthy body,
it is the basis of dynamic and creative intellectual activity.
John F. Kennedy: 35th President of the United States

9. G
O
V
E R N
A
N
C
E
,
R
governance
Good governance underpins all solid businesses by ensuring that core
values are consistently applied. In essence, governance is a high level
approach taken by executives regarding the direction of the business,
enabling them to make accurate and timely decisions when necessary and
ensuring the smooth roll-out of those managerial decisions.
risk management
Risk Management is a structured approach that equips a company to deal
with the daily risks of managing a business. While some risks can be planned
for, it is the unforeseen events that have the ability to change the course of a
business by causing costly and time consuming disruption.
RBS KATZ BRESKAL’s strategic approach to risk management enables
companies to deal with the unexpected in a calm manner so that any event
causes minimal disruption to their business.
An effective risk management strategy is essential for all business types.
Listed organisations are required not only to report all Material Business Risks
(MBRs), but also the effectiveness of established policies to manage such
risks. In addition, unlisted and private companies are also facing increased
requirements due to industry wide changes with regards to risk disclosure
and management, and need to address their risk positions with more rigour
than ever before if they expect to compete effectively in the future.
compliance
With the ever-evolving legislative landscape in South Africa, compliance has
become a key component for all businesses. Failing to comply with regulations,
laws and policies that affect a business can result in heavy fines. Through
its solid experience in the auditing of specific industries and compliance
regulations, RBS KATZ BRESKAL enables organisations to navigate their way
through the regulatory landscape in order to meet all necessary requirements.
I
S
K
A
N
D
C
O
M P
L
I A
N
C
E

10. T
H
E
P
E
O
P
L
E
O
F
R
B S
K
A T
Z
Michael Petersen
(Chief Executive Officer)
Michael founded RBS in 1998, while still
board of directors
in his twenties. Gaining insight through
attending
Stanley Katz (Non-Executive Chairman)
Stan has been in the Insurance & Broking Industry
for 44 years starting his career with The Northern
Insurance Company which later became Commercial
Union. In 1965 he joined Barney Breskal & Sons
and was appointed as Director and Shareholder. In
1978 this company was sold to Bowring Barclays
various
business
schools
courses and marketing and sales at the
Cape Technikon, he has since overseen
sales, operations, finance, management,
strategy,
marketing
and
HR.
Under
Michael’s entrepreneurial guidance and
leadership, the company has grown
to over 210 people, making several
acquisitions, selling equity to The Hollard
Insurance
Company
and
expanding
& Associates. Stan started Katz Breskal Insurance
its product and service offering, whilst
Brokers with Dave Breskal in 1983 and recently retired
continuing to attract the best talent in the
from the Company in 2007.
country.
B R
E
S
K
A
L

11. David Zetner
(Managing Director, AIISA)
Lesley Richardson (AIISA, CIP)
David has 33 years experience in Short-Term
A 30-year veteran of the industry, Lesley’s illustrious
career includes four years as MD of a major bank’s
insurance broking division as well as running her own
successful brokerage, during which time she was
nominated Businesswoman of the year.
Broking and took over the mantle of MD of
Katz Breskal in August 2004. His career
started with Mutual & Federal before joining
Minet Insurance Brokers (which became
Glenrand MIB), and was Managing Director
of a subsidiary Company of Glenrand, called
Indemnity Insurance Broker, where he stayed
for 18 years. David joined Katz Breskal on 1
October 2001 and has vast experience in
the placement of the larger Commercial and
Corporate Type Risks.
Jeffrey Singer (AIISA)
Jeffrey started his career in 1981 with Unsbic
Insurance Company. He left them to join
Louis Volks & Associates which then became
AON Insurance Brokers. Jeffrey joined Katz
Breskal from AON in May 2001. He has 25
Singeon Green (Marine)
Singeon’s career began in the United
Kingdom and continued in France prior to
his return to South Africa. He has 20 years
experience in brokering, risk assessment
and
underwriting,
providing
specialist
years’ experience in the industry and is highly
expertise and overseeing niche product
specialised in both Commercial Insurance and
development for RBS KATZ BRESKAL.
the handling of large Motor-Fleets.

12. David Breskal (Non-executive director)
Alan Moulster
David started his career in 1964 with the Northern Insurance
(Health & Wealth)
Company in Johannesburg and has been in the Insurance
Industry ever since. David has experience on both the ShortTerm & Pension side of the business and started Katz Breskal
with Stan in 1983. Overall David has 40 years experience in the
placement of all types of Insurance. David retired from full time
employment in 2009.
John Kerby (B Comm, AIISA, FIISA, ARM)
John began his insurance career in 1987 at Minet (Pty) Ltd in various positions ranging from
Corporate Claims handler to working in the Domestic Lines. In 1989 he was appointed Manager
at Wooltru Insurance Brokers involved in the daily broking at Woolworths, Truworths, Topics and
Makro, with 10 staff members reporting to him. From 1990 to 1996 he gained a vast amount
of experience from being Director at MIB, as well as working as a Senior Accounts Executive
handling 20 accounts. Before joining Katz Breskal, John was a Servicing Director looking after 20
commercial accounts and headed up the new business acquisitions for Cape Town.
Alan has spent the last 35 years working for top assurers,
brokerages and banks, in areas that include sales,
finance, business development and management. After
5 years as MD at a major brokerage, he joined RBS to
grow the Wealth division.

13. staff
RBS KATZ BRESKAL is committed not only to attracting the very best staff
but also in retaining and developing their skills to ensure they are able to
deliver their full potential. Going beyond employing only the top candidates
for each position, RBS KATZ BRESKAL also focuses on employing those who
share the same values. The company is known for the investment in and
development of all staff. It is the people of RBS KATZ BRESKAL who will help
the company realise its vision to become the most admired financial services
company in South Africa.
To achieve this, RBS KATZ BRESKAL’s staff management strategy includes:
• A thorough screening and interview process to assess all potential
employees;
• Highly competitive remuneration packages;
• An effective performance management system linked to earnings;
• Participation in industry benchmark surveys to assess how RBS KATZ
BRESKAL is performing as an employer;
• An open communication policy for staff.
PAS S IO N ATE
ABO UT
P EOPLE

14. corporate social responsibility
Business is not just about products and services. The management and staff
at RBS KATZ BRESKAL take seriously the company’s role in broader society.
As part of the company’s social responsibility practices, RBS KATZ BRESKAL:
• Provides financial aid and donates equipment, while staff also volunteer
support to the Saartjie Baartman Centre for Women & Children.
• Contributes to the Johannesburg Child Welfare by sponsoring their
program for needy children
RBS KATZ BRESKAL is aware that it is no longer sufficient for organisations
to consider the future only in business terms. As active members of society,
organisations also have a responsibility to nurture a thriving planet and
contribute towards a healthy, productive community.
RBS KATZ BRESKAL contributes to safeguarding the environment by
minimising its impact through efforts to operate as eco-efficiently as possible.
Environmentally-friendly actions undertaken by RBS KATZ BRESKAL include:
• Consciously sparing natural resources by conserving energy and water,
and by reducing, reusing and recycling.
• Support the Oasis Association, a charity that collects and utilises recyclables
to the benefit of the physically disabled.
• Limit air travel to the absolute minimum, while vehicles are optimised and
fuel efficient to reduce our carbon footprint.
• Educating staff on legislative requirements for environmental and
sustainable business practices, and encouraging them to take initiatives
to minimise our environmental impact.
broad based black economic empowerment
RBS KATZ BRESKAL supports the transformation objectives set by the
Financial Services Sector Charter (FSC) and is officially recognised as a Level
4 BEE contributor.
Give a man a fish, feed him for a day. Teach a man to fish, feed him forever.
Ancient proverb

15. To find our more about RBS KATZ BRESKAL, feel free to visit or phone us.
Cape Town (Head Office):
Physical Address: 1st Floor, Soho on Strand, 128 Strand Street, Cape Town, 8001
Postal Address: P.O. Box 449 Cape Town 8000
Tel : +27 (0)21 443 4400
Fax : +27 (0)21 443 4444
After Hours 24/7 : +27 (0)86 0072 765
Gauteng:
Physical Address: Unit 6, Peter Place, 24 Peter Place, Bryanston, 2021
Postal Address: P.O. Box 311 Randburg 2125
Tel : +27 (0)86 000 1122
Fax : +27 (0)86 000 1133
After Hours 24/7 : +27 (0)86 0072 765
An authorised Financial Services Provider
FSP No. 4903
www.rbs.co.za

16. Find the 8 letter word.
insurance and risk services