South African Banking Sector Analysis
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South African banking sector is well-developed and highly liberalized. It is one of the largest and most deregulated sectors within the emerging markets. The sector is experiencing significant growth, defying the global economic slowdown. The banking assets grew at a CAGR of around 19% during 2002 - 2008, far higher than witnessed by the global banking industry. Moreover, with the recovery in economic conditions, rise in middleclass population, and favorable government support, the bank assets will surge at CAGR of nearly 10% during 2011-2014, says “South African Banking Sector Analysis”, a recent report by RNCOS.
Our findings indicate that the South African banks have been largely protected from the direct effects of the global financial crisis. Domestic banks did not invest heavily in high-risk securities or complex instruments, and have maintained a traditional and relatively conservative banking model. They have maintained high lending standards and enjoyed high profitability for several years. With low levels of foreign funding, the banks have limited activity outside the African continent.
We have also found that future of the banking sector mainly lies in personal banking (especially the lower end of the market) and the small and medium-sized business sector. The banks need to focus more on expansion in the domestic economy as well as emerging economies in the coming years. Given the recent boom in mobile phones and internet accessibility, another key area for growth will be the technological upgradation in services.
Our report “South African Banking Sector Analysis”, provid detailed analysis of the banking sector in South Africa. It gives deep insight into each of the banking parameters, such as assets, loans, deposits, and payment instruments. Most importantly, the report presents future outlook for each of the important industry aspects (assets, loans, deposits etc) considering the effects of the global economic crisis on base drivers, opportunities, and challenges faced by the banking sector.
Additionally, the report contains detail information of key industry players (both domestic and foreign), their business strategies, and their market share. The key players discussed in the report include; ABSA Group Limited, FirstRand Limited, Nedbank Group Limited, Investec Limited, Citibank N.A., JPMorgan Chase & Co., and Deutsche Bank.
Multi-User License: US$ 1,400.00
Hard Copy: US$ 900.00
CD-ROM: US$ 900.00
South African banking sector is well-developed and highly liberalized. It is one of the largest and most deregulated sectors within the emerging markets. The sector is experiencing significant growth, defying the global economic slowdown. The banking assets grew at a CAGR of around 19% during 2002 - 2008, far higher than witnessed by the global banking industry. Moreover, with the recovery in economic conditions, rise in middleclass population, and favorable government support, the bank assets will surge at CAGR of nearly 10% during 2011-2014, says “South African Banking Sector Analysis”, a recent report by RNCOS.
Our findings indicate that the South African banks have been largely protected from the direct effects of the global financial crisis. Domestic banks did not invest heavily in high-risk securities or complex instruments, and have maintained a traditional and relatively conservative banking model. They have maintained high lending standards and enjoyed high profitability for several years. With low levels of foreign funding, the banks have limited activity outside the African continent.
We have also found that future of the banking sector mainly lies in personal banking (especially the lower end of the market) and the small and medium-sized business sector. The banks need to focus more on expansion in the domestic economy as well as emerging economies in the coming years. Given the recent boom in mobile phones and internet accessibility, another key area for growth will be the technological upgradation in services.
Our report “South African Banking Sector Analysis”, provid detailed analysis of the banking sector in South Africa. It gives deep insight into each of the banking parameters, such as assets, loans, deposits, and payment instruments. Most importantly, the report presents future outlook for each of the important industry aspects (assets, loans, deposits etc) considering the effects of the global economic crisis on base drivers, opportunities, and challenges faced by the banking sector.
Additionally, the report contains detail information of key industry players (both domestic and foreign), their business strategies, and their market share. The key players discussed in the report include; ABSA Group Limited, FirstRand Limited, Nedbank Group Limited, Investec Limited, Citibank N.A., JPMorgan Chase & Co., and Deutsche Bank.
1. ANALYST VIEW
2. MACROECONOMIC ANALYSIS
3. BANKING INDUSTRY OVERVIEW
4. KEY PERFORMANCE INDICATORS
4.1 Loans
4.1.1 Mortgage Advances
4.1.2 Installment Debtors
4.1.3 Overdrafts and Loans
4.1.4 Resale Agreements
4.2 Deposits
4.2.1 Residents
4.2.2 Non-residents
4.3 Bank Profitability and Investment Strategy
4.4 Payment Instruments
4.4.1 Credit Cards
4.4.2 ATMs
4.4.3 Cheque
5. INDUSTRY TRENDS
5.1 Strategic Collaborations
5.2 Growing Demand for Online Banking Services
5.3 FSC and Mzansi Accounts
5.4 Card-less ATMs
5.5 Technological Upgradation
6. RISK ASSESSMENT AND RATIO ANALYSIS
7. REGULATORY DEVELOPMENTS
8. COMPETITIVE LANDSCAPE
8.1 Domestic Banks
8.1.1 ABSA Group Limited
8.1.2 FirstRand Limited
8.1.3 Nedbank Group Limited
8.1.4 Investec Limited
8.2 Foreign Banks
8.2.1 Citibank N.A.
8.2.2 JPMorgan Chase & Co.
8.2.3 Deutsche Bank AG
2. MACROECONOMIC ANALYSIS
3. BANKING INDUSTRY OVERVIEW
4. KEY PERFORMANCE INDICATORS
4.1 Loans
4.1.1 Mortgage Advances
4.1.2 Installment Debtors
4.1.3 Overdrafts and Loans
4.1.4 Resale Agreements
4.2 Deposits
4.2.1 Residents
4.2.2 Non-residents
4.3 Bank Profitability and Investment Strategy
4.4 Payment Instruments
4.4.1 Credit Cards
4.4.2 ATMs
4.4.3 Cheque
5. INDUSTRY TRENDS
5.1 Strategic Collaborations
5.2 Growing Demand for Online Banking Services
5.3 FSC and Mzansi Accounts
5.4 Card-less ATMs
5.5 Technological Upgradation
6. RISK ASSESSMENT AND RATIO ANALYSIS
7. REGULATORY DEVELOPMENTS
8. COMPETITIVE LANDSCAPE
8.1 Domestic Banks
8.1.1 ABSA Group Limited
8.1.2 FirstRand Limited
8.1.3 Nedbank Group Limited
8.1.4 Investec Limited
8.2 Foreign Banks
8.2.1 Citibank N.A.
8.2.2 JPMorgan Chase & Co.
8.2.3 Deutsche Bank AG
LIST OF FIGURES:
Figure 2-1: Real GDP Growth (%), 2009-2014
Figure 2-2: Per Head Personal Disposable Income (US$), 2009-2014
Figure 2-3: Interest Rates (%), 2008-2010
Figure 2-4: Bankable Population (Million), 2009-2014
Figure 3-1: Bank Assets (Trillion ZAR), 2008-2010
Figure 3-2: Forecast for Bank Assets (Trillion ZAR), 2011-2014
Figure 3-3: Breakup of Bank Assets (%), 2009
Figure 4-1: Bank Loans and Advances (Billion ZAR), 2008-2010
Figure 4-2: Forecast for Bank Loans and Advances (Billion ZAR), 2011-2014
Figure 4-3: Breakup of Bank Loans and Advances (%), 2009
Figure 4-4: Mortgage Advances (Billion ZAR), 2008 & 2009
Figure 4-5: Share of Major Banks in Mortgage Advances (2009)
Figure 4-6: Installment Debtors (Billion ZAR), 2008 & 2009
Figure 4-7: Share of Major Banks in Installment Finance (2009)
Figure 4-8: Overdrafts and Loans (Billion ZAR), 2008 & 2009
Figure 4-9: Loans under Resale Agreements (Billion ZAR), 2008 & 2009
Figure 4-10: Deposits with Banks (Billion ZAR), 2008-2010
Figure 4-11: Forecast for Deposits with Banks (Billion ZAR), 2011-2014
Figure 4-12: Deposits with Banks by Type (%), 2009
Figure 4-13: Resident Deposits with Banks (Billion ZAR), 2008 & 2009
Figure 4-14: Resident Deposits with Banks by Type (%), 2009
Figure 4-15: Non-resident Deposits with Banks (Billion ZAR), 2008 & 2009
Figure 4-16: Gross Operating Income of Banks (Billion ZAR), 2008 & 2009
Figure 4-17: Operating Income of Banks (Billion ZAR), 2008 & 2009
Figure 4-18: Growth in Interest Income of Banks (%), 2006 & 2007
Figure 4-19: Investment by Banks (Billion ZAR), 2008 & 2009
Figure 4-20: Investment Portfolio of Banks (%), 2009
Figure 4-21: Credit Card Transactions (Billion ZAR), 2008 & 2009
Figure 4-22: Forecast for Credit Card Transactions (Billion ZAR), 2011-2014
Figure 4-23: Credit Card Debtors (Billion ZAR), 2008 & 2009
Figure 4-24: Share of Major Banks in Credit Cards Debt (2009)
Figure 4-25: Number of ATMs (2008 & 2010)
Figure 4-26: ATM Transactions (Billion ZAR), 2008 & 2009
Figure 4-27: Number of Cheques Transactions (Million), 2008 & 2009
Figure 4-28: Cheque Transactions (Trillion ZAR), 2008 & 2009
Figure 5-1: Internet Users Penetration (%), 2009-2014
Figure 5-2: Bank Accounts Penetration (%), 2006 & 2007
Figure 6-1: Loan-to-Deposit Ratio (%), 2008 & 2009
Figure 6-2: Loan-to-Asset Ratio (%), 2008 & 2009
Figure 6-3: Capital Adequacy Ratio (%), 2008 & 2009
Figure 2-1: Real GDP Growth (%), 2009-2014
Figure 2-2: Per Head Personal Disposable Income (US$), 2009-2014
Figure 2-3: Interest Rates (%), 2008-2010
Figure 2-4: Bankable Population (Million), 2009-2014
Figure 3-1: Bank Assets (Trillion ZAR), 2008-2010
Figure 3-2: Forecast for Bank Assets (Trillion ZAR), 2011-2014
Figure 3-3: Breakup of Bank Assets (%), 2009
Figure 4-1: Bank Loans and Advances (Billion ZAR), 2008-2010
Figure 4-2: Forecast for Bank Loans and Advances (Billion ZAR), 2011-2014
Figure 4-3: Breakup of Bank Loans and Advances (%), 2009
Figure 4-4: Mortgage Advances (Billion ZAR), 2008 & 2009
Figure 4-5: Share of Major Banks in Mortgage Advances (2009)
Figure 4-6: Installment Debtors (Billion ZAR), 2008 & 2009
Figure 4-7: Share of Major Banks in Installment Finance (2009)
Figure 4-8: Overdrafts and Loans (Billion ZAR), 2008 & 2009
Figure 4-9: Loans under Resale Agreements (Billion ZAR), 2008 & 2009
Figure 4-10: Deposits with Banks (Billion ZAR), 2008-2010
Figure 4-11: Forecast for Deposits with Banks (Billion ZAR), 2011-2014
Figure 4-12: Deposits with Banks by Type (%), 2009
Figure 4-13: Resident Deposits with Banks (Billion ZAR), 2008 & 2009
Figure 4-14: Resident Deposits with Banks by Type (%), 2009
Figure 4-15: Non-resident Deposits with Banks (Billion ZAR), 2008 & 2009
Figure 4-16: Gross Operating Income of Banks (Billion ZAR), 2008 & 2009
Figure 4-17: Operating Income of Banks (Billion ZAR), 2008 & 2009
Figure 4-18: Growth in Interest Income of Banks (%), 2006 & 2007
Figure 4-19: Investment by Banks (Billion ZAR), 2008 & 2009
Figure 4-20: Investment Portfolio of Banks (%), 2009
Figure 4-21: Credit Card Transactions (Billion ZAR), 2008 & 2009
Figure 4-22: Forecast for Credit Card Transactions (Billion ZAR), 2011-2014
Figure 4-23: Credit Card Debtors (Billion ZAR), 2008 & 2009
Figure 4-24: Share of Major Banks in Credit Cards Debt (2009)
Figure 4-25: Number of ATMs (2008 & 2010)
Figure 4-26: ATM Transactions (Billion ZAR), 2008 & 2009
Figure 4-27: Number of Cheques Transactions (Million), 2008 & 2009
Figure 4-28: Cheque Transactions (Trillion ZAR), 2008 & 2009
Figure 5-1: Internet Users Penetration (%), 2009-2014
Figure 5-2: Bank Accounts Penetration (%), 2006 & 2007
Figure 6-1: Loan-to-Deposit Ratio (%), 2008 & 2009
Figure 6-2: Loan-to-Asset Ratio (%), 2008 & 2009
Figure 6-3: Capital Adequacy Ratio (%), 2008 & 2009
LIST OF TABLES:
Table 3-1: Breakup of Bank Assets (Billion ZAR), 2008 & 2009
Table 6-1: Banking Sector Risk Ratings (2010)
Table 8-1: Top Ten Domestic Banks by Assets (Million ZAR), June 2010
Table 8-2: ABSA Group - Key Financials (Billion US$), 2008 & 2009
Table 8-3: FirstRand - Key Financials (Billion US$), FY 2009 & FY 2010
Table 8-4: Nedbank Group - Key Financials (Billion US$), 2008 & 2009
Table 8-5: Investec - Key Financials (Billion US$), FY 2009 & FY 2010
Table 8-6: Leading Foreign Banks by Assets (Million ZAR), June 2010
Table 8-7: Citi Group - Key Financials (Billion US$), 2008 & 2009
Table 8-8: JPMorgan Chase & Co - Key Financials (Billion US$), 2009 & 2010
Table 8-9: Deutsche Bank - Key Financials (Billion US$), 2008 & 2009
Table 3-1: Breakup of Bank Assets (Billion ZAR), 2008 & 2009
Table 6-1: Banking Sector Risk Ratings (2010)
Table 8-1: Top Ten Domestic Banks by Assets (Million ZAR), June 2010
Table 8-2: ABSA Group - Key Financials (Billion US$), 2008 & 2009
Table 8-3: FirstRand - Key Financials (Billion US$), FY 2009 & FY 2010
Table 8-4: Nedbank Group - Key Financials (Billion US$), 2008 & 2009
Table 8-5: Investec - Key Financials (Billion US$), FY 2009 & FY 2010
Table 8-6: Leading Foreign Banks by Assets (Million ZAR), June 2010
Table 8-7: Citi Group - Key Financials (Billion US$), 2008 & 2009
Table 8-8: JPMorgan Chase & Co - Key Financials (Billion US$), 2009 & 2010
Table 8-9: Deutsche Bank - Key Financials (Billion US$), 2008 & 2009
