(Bloomberg) -- Banker Michael Jordaan is off duty and about to enjoy the fruits of his second job: wine farming. Jordaan, 43 -- head of FirstRand Ltd.’s retail banking unit, First National Bank -- arrives for dinner at La Cucina Di Ciro, a popular Italian restaurant in Johannesburg’s leafy Parktown North suburb. He’s carrying two bottles of his wines, which he opens as soon as he’s whipped off his jacket and tie. “I am logical, rational, cash-flow-and-return-on-equity- maximized,” he says, raising a glass of white. “A wine farm is exactly the opposite. Wine is irrational, the cash flow is bad, there’s no return on equity.”