Effecting tangible change Klee says Nedbank Private Wealth is looking at ways it can streamline the philanthropic efforts of its HNWI clients to drive greater social impact. The bank believes the giving is too fragmented. While the R4.2 billion cash amount is significant, it will thus have only small impacts. "So, what we are driving towards is to say, we've got a whole lot of sectors that people are supporting. "Let's rather group the sectors, bring them up to client level and say – we've got 10 clients that are specifically focused on junior education.