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    Banking Sector January 2011

    Uploaded by

    Sharon Manzini
    1) The document provides an overview of selected South African banking sector trends from January 2010 to January 2011. 2) Total assets grew 2.9% to R3.055 trillion over this period, while gross loans and advances increased 2.2% to R2.312 trillion. 3) Capital adequacy ratios remained strong, with the capital-adequacy ratio at 15.14% and tier 1 capital-adequacy ratio at 12.03% in January 2011.

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    Banking Sector January 2011

    Uploaded by

    Sharon Manzini
    17 views2 pages
    1) The document provides an overview of selected South African banking sector trends from January 2010 to January 2011. 2) Total assets grew 2.9% to R3.055 trillion over this period, while gross loans and advances increased 2.2% to R2.312 trillion. 3) Capital adequacy ratios remained strong, with the capital-adequacy ratio at 15.14% and tier 1 capital-adequacy ratio at 12.03% in January 2011.

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    1) The document provides an overview of selected South African banking sector trends from January 2010 to January 2011. 2) Total assets grew 2.9% to R3.055 trillion over this period, while gross loans and advances increased 2.2% to R2.312 trillion. 3) Capital adequacy ratios remained strong, with the capital-adequacy ratio at 15.14% and tier 1 capital-adequacy ratio at 12.03% in January 2011.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    17 views2 pages

    Banking Sector January 2011

    Uploaded by

    Sharon Manzini
    1) The document provides an overview of selected South African banking sector trends from January 2010 to January 2011. 2) Total assets grew 2.9% to R3.055 trillion over this period, while gross loans and advances increased 2.2% to R2.312 trillion. 3) Capital adequacy ratios remained strong, with the capital-adequacy ratio at 15.14% and tier 1 capital-adequacy ratio at 12.03% in January 2011.

    Copyright:

    Attribution Non-Commercial (BY-NC)
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 2

    Total assets and gross loans and advances

    3500 3000 2500 2000 1500 1000 500 0 -500 -1000 Jan Feb Mar Apr May Jun Jul 2010 Total assets Growth in total assets (right-hand scale) Aug Sep Oct Nov Dec Jan 2011 R billions Per cent 35 30 25 20 15 10 5 0 -5 -10

    Bank Supervision Department

    Gross loans and advances Growth in gross loans and advances (right-hand scale)

    Capital adequacy
    15,50 Per cent

    14,25

    13,00

    Selected South African banking sector trends


    January 2011

    11,75

    10,50 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan 2010 2011 Capital-adequacy ratio Tier 1 capital-adequacy ratio

    Impaired advances
    R billions 150 125 100 4 75 3 50 25 0 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec Jan 2010 2011 Impaired advances Impaired advances to gross loans and advances (right-hand scale) 2 1 0 Per cent 7 6 5

    Number of banks in South Africa


    Registered banks Mutual banks Local branches of foreign banks Foreign banks with approved local representative offices 19 2 13 41
    January 2010 2011 % Rbn Rbn Growth1

    January 2010 2011 % %

    Profitability2
    Return on equity Return on assets Cost-to-income ratio Net interest income to interest-earning assets Non-interest revenue to total assets Operating expenses to total assets Profit/Loss (12 months) (Rbn) Net interest income (12 months) (Rbn) Non-interest income (12 months) (Rbn) Operating expenses (12 months) (Rbn)

    15,28 0,92 51,84 3,13 2,44 2,54 26,19 74,64 74,14 77,13

    14,56 0,97 56,59 3,12 2,61 2,88 29,89 75,83 80,17 88,29

    Balance sheet items


    Selected assets
    Total assets Loans and advances Homeloans Commercial mortgages Credit cards Lease and instalment debtors Overdrafts Term loans Redeemable preference shares Factoring accounts, trade and other bills and BAs Loans granted/deposits placed under resale agreements Bank intra-group balances Other Investment and trading positions Derivative financial instruments Short-term negotiable securities

    2 971 2 262 790 218 56 237 105 380 56 8 77 142 193 187 258 163

    3 055 2 312 818 227 57 243 105 368 55 9 85 96 249 217 216 168

    2,9 2,2 3,6 4,2 1,5 2,8 -0,4 -3,1 -3,1 19,1 9,3 -32,3 28,9 16,3 -16,1 3,0

    Liquidity
    Liquid assets held to liquid-asset requirement Short-term liabilities to total liabilities Short-term ten largest depositors to total liabilities

    146,83 51,93 6,62

    170,79 53,23 8,10

    Credit risk
    Impaired advances (Rbn) Impaired advances to gross loans and advances Specific credit impairments to impaired advances Specific credit impairments to gross loans and advances
    3

    132,65 5,86 30,14 1,77

    134,56 5,82 32,57 1,90

    Capital adequacy Selected liabilities


    Deposits, current accounts and other creditors Current Savings Call Fixed and notice NCDs Repos Other Derivate financial instruments and other trading liabilities Capital-adequacy ratio Tier 1 capital-adequacy ratio

    14,25 11,05

    15,14 12,03

    2 365 392 118 425 648 435 94 253 266

    2 464 431 124 389 715 434 94 277 220

    4,2 9,9 5,2 -8,6 10,4 -0,3 0,3 9,8 -17,4

    Financial leverage
    Financial leverage ratio (times)
    4

    15,51

    14,28

    1. Differences may occur due to rounding. 2. All ratios based on income statement information are smoothed i.e. 12 months moving average. 3. Advances in respect of which a specific impairment was raised. 4. Formula: Total liabilities and equity divided by total equity attributable to equity holders. * Please note this information is subject to change without notice

    Equity
    Total equity

    200

    223

    11,6

    Off-balance sheet items


    Total off-balance sheet activities 410 848 106,9

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