South Africa Financial Services Articles & Analysis

Chapter | Banking from The Report: South Africa 2016

While South Africa’s banking sector already ranks as one of the best regulated and well capitalised in the region, regulatory changes are set to bring further improvements to the industry’s soundness and stability, as well as the treatment of its customers. The sector does, however, continue to face headwinds. As expansion of the broader economy has slowed, loan growth for banks has also eased...

The second-largest economy in Africa after Nigeria, South Africa benefits from some of the most sophisticated financial markets in the world, paired with a robust regulatory system, and is also home to the headquarters of a number of major multinational players in the fields of industry, energy and financial services.

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In a move that bucked broader trends on the Johannesburg Stock Exchange (JSE), South Africa’s banks saw their share prices jump in 2016, underpinned by a recovery in the commodities market, higher interest earnings and a vote of confidence from ratings agencies.

A cooling economy and reduced spending is expected to limit growth in South Africa’s insurance industry through to the end of the year, with operators likely to struggle to increase market share and maintain revenue levels.

 

Given South Africa’s history and economy, financial inclusion is a serious issue for the country. It is committed to making up for the disparities of the apartheid era and it wants and needs to improve the lives of its poorer citizens, as much for the economy as for the sake of the people themselves. As such, the country has worked for more...

 

The South African banking sector is well regulated and capitalised, as well as efficiently run. Its institutions are not only the top in the region by many measures, but rank highly globally and are potentially competitive in the developed world. Regulatory changes are set to further improve banking in South Africa in terms of soundness,...

 

To what extent are inflationary pressures driven by exogenous rather than domestic factors?

 

What impact will rising interest rates have on the South African banking sector?