Business Monitor International


South Africa Commercial Banking Report

Published 26 August 2014

  • 72 pages
  • Instant access to your report online and PDF format through your account library
  • Includes 3 free updated quarterly reports
 
$1,295.00
South Africa Commercial Banking Report
Commercial Banking Sector Indicators 
Date Total assets Client loans Bond portfolio Other Liabilities and capital Capital Client deposits Other
June 2013, ZARbn 3,782.1 2,868.0 493.7 420.4 3,782.1 494.8 2,715.8 571.5
June 2014, ZARbn 4,019.6 3,097.6 474.6 447.5 4,019.6 546.6 2,926.5 546.5
% change y-o-y 6.3% 8.0% -3.9% 6.4% 6.3% 10.5% 7.8% -4.4%
June 2013, USDbn 382.8 290.3 50.0 42.5 382.8 50.1 274.9 57.8
June 2014, USDbn 377.9 291.2 44.6 42.1 377.9 51.4 275.1 51.4
% change y-o-y -1.3% 0.3% -10.7% -1.1% -1.3% 2.6% 0.1% -11.2%
Source: BMI; Central banks; Regulators 
Commercial Banking Sector Key Ratios, June 2014
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio GDP Per Capita, USD Deposits per capita, USD
105.84% 77.06% 88.24% 6,646.3 5,195.0
Falling Rising Rising n.a. n.a.
Source: BMI; Central banks; Regulators 
Annual Growth Rate Projections 2013-2018 (%)
  Assets Loans Deposits
Annual Growth Rate 6 8 6
CAGR 6 7 6
Ranking 47 39 50
Source: BMI; Central banks; Regulators
Ranking Out Of 73 Countries Reviewed In 2014
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio
17 2 23
Local currency asset growth Local currency loan growth Local currency deposit growth
45 37 49
Source: BMI; Central banks; Regulators 
...
Commercial Banking Sector Indicators, 2011-2018
  2011 2012 2013 2014f 2015f 2016f 2017f 2018f
Total assets, ZARbn 3,405.1 3,648.2 3,836.2 4,028.0 4,269.7 4,525.9 4,797.4 5,085.3
Total assets, USDbn 420.9 430.5 365.6 366.2 373.2 380.4 387.7 395.2
Client loans, ZARbn 2,516.3 2,727.4

Table of Contents

BMI Industry View
7
Table: Commercial Banking Sector Indicators
7
Table: Commercial Banking Sector Key Ratios, December 2013
7
Table: Annual Growth Rate Projections 2013-2018 (%)
7
Table: Ranking Out Of 72 Countries Reviewed In 2014
8
Table: Commercial Banking Sector Indicators, 2011-2018
8
SWOT
9
Commercial Banking
9
Political
11
Economic
12
Business Environment
13
Industry Forecast
14
Industry Risk Reward Ratings
17
Middle East and Africa Commercial Banking Risk/Reward Ratings
17
Table: Middle East and Africa Commercial Banking Risk/Reward Ratings
18
Market Overview
19
Middle East and Africa Commercial Banking Outlook
19
Table: Banks' Bond Portfolios, 2013
19
Table: Comparison Of Loan/Deposit, Loan/Asset And Loan/GDP Ratios, 2014
20
Table: Comparison Of Total Assets, Client Loans And Client Deposits (USDbn)
20
Table: Comparison Of USD Per Capita Deposits, 2014
21
Macroeconomic Forecasts
22
Table: Real GDP Growth, % chg q-o-q, SAAR
23
Table: South Africa - Economic Activity
28
Competitive Landscape
29
Market Structure
29
Protagonists
29
Table: Protagonists In South Africa's Commercial Banking Sector
29
Definition of The Commercial Banking Universe
29
List Of Banks
29
Table: Registered Banks
29
Table: Registered Mutual Banks
30
Table: Registered Local Branches Of Foreign Banks
31
Table: Banks In Final Liquidation
31
Company Profile
32
Absa Bank (Barclays South Africa)
32
Table: Stock Market Indicators
34
Table: Balance Sheet (ZARmn)
34
Table: Balance Sheet (USDmn)
35
Table: Key Ratios (%)
35
African Bank
36
Table: Stock Market Indicators
38
Table: Balance Sheet (ZARmn)
38
Table: Balance Sheet (USDmn)
38
Table: Key Ratios (%)
39
Capitec Bank
40
Table: Stock Market Indicators
41
Table: Balance Sheet (ZARmn)
42
Table: Balance Sheet (USDmn)
42
Table: Key Ratios (%)
42
FirstRand
43
Table: Stock Market Indicators
45
Table: Balance Sheet (ZARmn)
45
Table: Balance Sheet (USDmn)
46
Table: Key Ratios (%)
46
Nedbank Group
47
Table: Stock Market Indicators
48
Table: Balance Sheet (ZARmn)
49
Table: Balance Sheet (USDmn)
49
Table: Key Ratios (%)
49
Investec
50
Table: Stock Market Indicators
51
Table: Balance Sheet (ZARmn)
52
Table: Balance Sheet (USDmn)
52
Table: Key Ratios (%)
52
Regional Overview
53
Africa Overview
53
Global Industry Overview
58
Global Commercial Banking Outlook
58
Regional Outlooks
58
Demographic Forecast
65
Table: South Africa's Population By Age Group, 1990-2020 ('000)
66
Table: South Africa's Population By Age Group, 1990-2020 (% of total)
67
Table: South Africa's Key Population Ratios, 1990-2020
68
Table: South Africa's Rural And Urban Population, 1990-2020
68
Methodology
69
Industry Forecast Methodology
69
Sector Specific Methodology
70
Risk/Reward Ratings Methodology
71
Sector Specific Methodology
72
Table: Commercial Banking Risk/Reward Rating Indicators
72
Weighting
73
Table: Weighting Of Indicators
73

The South Africa Commercial Banking Report has been researched at source and features Business Monitor International (BMI)'s independent assessment and forecasts for the commercial banking sector in South Africa. It examines key drivers of growth and future prospects, including the macroeconomic situation, the level of development and potential for growth of the banking sector, the commercial initiatives of major players, government policy and the regulatory environment. Leading banks are profiled, covering total assets, liabilities, client deposits, lending, bond holdings, main products and services, competitive positioning and ownership structure.

BMI's South Africa Commercial Banking Report provides industry professionals and strategists, sector analysts, business investors, trade associations and regulatory bodies with independent forecasts and competitive intelligence on the commercial banking industry in South Africa.

Key Benefits

  • Benchmark BMI's independent commercial banking industry forecasts for South Africa to test other views - a key input for successful budgeting and strategic business planning in the South African commercial banking market.
  • Target business opportunities and risks in South Africa through our reviews of latest industry trends, regulatory changes, and major deals, investments and macroeconomic developments.
  • Exploit latest competitive intelligence on your competitors, partners and clients via our Company Profiles (inc. SWOTs, KPIs and latest activity) and Competitive Landscape Analysis.

Coverage

BMI Industry View

Key insights into the commercial banking market, covering industry trends, key players and the regulatory environment, plus snapshots of assets, liabilities, client loans and client deposits in local currency and US$.

Industry SWOT Analysis

Analysis of the major Strengths, Weaknesses, Opportunities and Threats within the commercial banking sector and within the broader political, economic and business environment.

Business Environment Rankings

BMI's Commercial Banking Business Environment Rankings provide a country-comparative Risk-Reward Rankings index aimed at investors and participants in the regional commercial banking market.

The rankings methodology makes sophisticated use of over 40 industry, economic and demographic data points and is part of BMI's integrated Country Risk-Industry Rankings products.

Global, Regional and Country Industry

In-depth analysis of the major global and regional developments in the market, which can be linked with the country industry overview, providing cross-country investment, product and financing trends that will affect each market, supported by BMI's global and regional industry forecasts.

BMI Economic Forecasts

BMI forecasts to end-2018 for all headline macroeconomic indicators including real GDP growth, inflation, fiscal balance, trade balance, current account and external debt.

Competitive Landscape

Market Data: Analysis of market size, dominant trends, competitive landscape and key annual and quarterly data.

Company Database: A comprehensive breakdown of KPIs of the leading commercial banks, including assets and liabilities, client loans, client deposits, capital, bond holdings, loan-deposit ratio, tier 1 capital, return on assets, earnings per share and market capitalisation.

Company Profiles and SWOTs

Examines the competitive positioning and short- to medium-term business strategies of key industry players. Strategy is examined within the context of BMI's industry forecasts, our macroeconomic views and our understanding of the wider competitive landscape to generate Company SWOT (Strengths, Weaknesses, Opportunities and Threats) analyses. The latest financial and operating statistics and key company developments are also incorporated within the company profiles, enabling a full evaluation of recent company performance and future growth prospects.

secure
Benefit from discounts when you add multiple products to your basket
2 Products SAVE 10%
3 Products SAVE 15%
4 Products SAVE 20%
5 Products SAVE 25%
6 Products SAVE 30%
7 - 20 Products SAVE 35%
21 Products or more SAVE 40%

Testimonials

'An essential, multi-faceted research tool. BMI’s thorough understanding of the major market players enables an informed – and informative – review of the sector’s actual performance, together with useful insights into current industry issues, which are topped-off with detailed and invaluable forecasts of industry and macroeconomic trends.’

Senior Research Analyst, ABC International Bank plc