South Africa Commercial Banking Report

Published 13 February 2015

  • 76 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
September 2013, ZARbn 3,759.7 2,883.0 461.2 415.4 3,759.7 487.8 2,735.9 535.9
September 2014, ZARbn 4,123.7 3,152.5 502.1 469.2 4,123.7 546.0 2,978.1 599.7
% change y-o-y 9.7% 9.3% 8.8% 12.9% 9.7% 11.9% 8.9% 11.9%
September 2013, USDbn 374.9 287.5 46.0 41.4 374.9 48.6 272.8 53.4
September 2014, USDbn 365.4 279.3 44.5 41.6 365.4 48.4 263.9 53.1
% change y-o-y -2.5% -2.8% -3.3% 0.4% -2.5% -0.5% -3.3% -0.6%
Source: BMI; Central banks; Regulators
Commercial Banking Sector Key Ratios, September 2014
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio GDP Per Capita, USD Deposits per capita, USD
105.86% 76.45% 88.37% 6,263.7 4,974.5
Rising Falling Rising n.a. n.a.
Source: BMI; Central banks; Regulators
Annual Growth Rate Projections 2014-2019 (%)
Assets Loans Deposits
Annual Growth Rate 6 8 6
CAGR 6 8 6
Ranking 48 36 48
Source: BMI; Central banks; Regulators
Ranking Out Of 73 Countries Reviewed In 2015
Loan/deposit ratio Loan/asset ratio Loan/GDP ratio
20 3 23
Local currency asset growth Local currency loan growth Local currency deposit growth
35 32 30
Source: BMI; Central banks; Regulators
Commercial Banking Sector Indicators, 2012-2019
2012 2013 2014e 2015f 2016f 2017f 2018f 2019f
Total assets, ZARbn 3,648.2 3,836.2 4,143.1 4,474.5 4,743.0 5,027.6 5,329.3 5,649.0
Total assets, USDbn 430.5 365.6 357.2 363.9 370.9 378.0 385.3 392.7
Client loans, ZARbn 2,727.4

Table of Contents

BMI Industry View
7
Table: Commercial Banking Sector Indicators
7
Table: Commercial Banking Sector Key Ratios, June 2014
7
Table: Annual Growth Rate Projections 2013-2018 (%)
7
Table: Ranking Out Of 73 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
16
Middle East and Africa Commercial Banking Risk/Reward Index
16
Table: Middle East and Africa Commercial Banking Risk/Reward Index
17
Market Overview
18
Middle East and Africa Commercial Banking Outlook
18
Table: Banks' Bond Portfolios, 2013
18
Table: Comparison Of Loan/Deposit, Loan/Asset And Loan/GDP Ratios, 2014
19
Table: Comparison Of Total Assets, Client Loans And Client Deposits (USDbn)
20
Table: Comparison Of USD Per Capita Deposits, 2014
21
Macroeconomic Forecast
22
Expenditure Breakdown
22
Competitive Landscape
25
Market Structure
25
Protagonists
25
Table: Protagonists In South Africa's Commercial Banking Sector
25
Definition of The Commercial Banking Universe
25
List Of Banks
25
Table: Registered Banks
25
Table: Registered Mutual Banks
26
Table: Registered Local Branches Of Foreign Banks
27
Table: Banks In Final Liquidation
27
Company Profile
28
Absa Bank (Barclays Africa Group)
28
Table: Stock Market Indicators
30
Table: Balance Sheet (ZARmn)
30
Table: Balance Sheet (USDmn)
30
Table: Key Ratios (%)
31
African Bank
32
Table: Stock Market Indicators
34
Table: Balance Sheet (ZARmn)
34
Table: Balance Sheet (USDmn)
34
Table: Key Ratios (%)
35
FirstRand
36
Table: Stock Market Indicators
38
Table: Balance Sheet (ZARmn)
38
Table: Balance Sheet (USDmn)
39
Table: Key Ratios (%)
39
Investec
40
Table: Stock Market Indicators
41
Table: Balance Sheet (ZARmn)
42
Table: Balance Sheet (USDmn)
42
Table: Key Ratios (%)
42
Nedbank Group
43
Table: Stock Market Indicators
44
Table: Balance Sheet (ZARmn)
45
Table: Balance Sheet (USDmn)
45
Table: Key Ratios (%)
45
Standard Bank
46
Table: Stock Market Indicators
48
Table: Balance Sheet (ZARmn)
48
Table: Balance Sheet (USDmn)
49
Table: Key Ratios (%)
49
Regional Overview
50
Africa Overview
50
Global Industry Overview
55
Global Commercial Banking Outlook
55
Financial Sector Reform A Key Factor In Loan Growth
60
Demographic Forecast
64
Table: South Africa's Population By Age Group, 1990-2020 ('000)
65
Table: South Africa's Population By Age Group, 1990-2020 (% of total)
66
Table: South Africa's Key Population Ratios, 1990-2020
67
Table: South Africa's Rural And Urban Population, 1990-2020
67
Methodology
68
Industry Forecast Methodology
68
Sector-Specific Methodology
69
Risk/Reward Index Methodology
70
Table: Commercial Banking Risk/Reward Index Indicators
71
Table: Weighting Of Indicators
72

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 USD.

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.

BMI’s Commercial Banking Risk Reward Index

BMI’s Risk Reward Index provides investors and participants looking for opportunities in the region with a clear country-comparative assessment of a market’s risks and potential rewards. Each of the country markets are scored using a sophisticated model that includes more than 40 industry, economic and demographic points. These provide indices of highest to lowest appeal to investors, with each position explained.

Global, Regional and Country Industry Overviews

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-2019 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 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.

Sources

The Commercial Banking reports draw on a network of primary sources, such as multilateral organisations, government departments, industry associations, chambers and company reports.

*Company profiles are not available for every country. Those reports instead contain information on the current activities of prominent companies operating in the market.

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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