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"financial institution"

means—

(a) a bank as defined in section 1(1) of the Banks Act, 1990 (Act No. 94 of 1990) or a mutual bank as defined in section 1(1) of the Mutual Banks Act, 1993 (Act No. 124 of 1993), or a co-operative bank as defined in section 1 of the Co-operative Banks Act, 2007;

[Paragraph (a) substituted by section 90 of Act No. 40 of 2007]

(b) any financial institution contemplated in paragraph (a) of the definition of "financial institution" in section 1 of the Financial Services Board Act; or

(c)        any person declared to be a financial institution in terms of section 17;