Banking Sector in South Africa

Publication Date	December 2006
Publisher	RNCOS
Product Type	Report
Pages	60
ISBN Number	not applicable
Product Code	RCS00097

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Summary

This "Banking Sector in South Africa" report provides extensive research and objective analysis on the growing banking industry, their product quality, and services in South Africa. This report helps clients to analyze the leading-edge opportunities critical to the success of the banking Industry in South Africa. Detailed data and analysis helps investors, financial service providers, and global banking players navigate the evolving market of banks in South Africa.

Key Products Analyzed

Key products like Deposits, Mzansi account, Credit Cards, loans and ATM facility are analyzed supported by the facts like revenue and the market trends.

Key Players

This section provides the overview, key facts financial information future plans and business strategies of prominent players like Standard Bank of South Africa (Stanbic), Nedbank, Amalgamated Banks of South Africa (ABSA), FirstRand, Investec Limited, Citi group, Deutsche Bank, ABN Amro Holding N.V, and JPMorgan Chase & Co. (JPMorgan Chase).

Key Issues and Facts Analyzed

The research report also addresses the issues and facts that are critical to your success:

What does the competitive market landscape look like for the South Africa Banking Industry?
How the services drive the Banking Sector in South Africa?
What are the various opportunities and challenges before this industry?
What are the most prospective areas for banks to invest in near future?
Which factors will lead to the growth of financial cards, loans and deposits in South Africa?
How financial sector charter and BEE (Black Economic Empowerment) are affecting the banking sector in South Africa?
What is the effect of Mzansi accounts on banking sector of South Africa?

Key Findings

Banking loan grew with a CAGR value 39.99% for 2001 to 2005, representing a four-fold growth since 2001.
The percentage of population in the age group of 15-64 years will lead to an increase in the demand for the products, such as loans for education, housing, and personal use. There shall also be an increase in insurance policies, mutual funds, and other related products.
Private banking, brokerage, listings and structured finance - tax will be less important in future as these are going to be less profitable segments of the banks than Treasury, Commercial Lending, Retail Loans and Deposits.
Due to the increase in operating expenses of banks in areas related to information-technology enabled systems and personnel costs, the efficiency ratio of the banking sector deteriorated from 63.9% in December 2004 to 66.3% in December 2005.
Mortgage loans constituted the biggest portion of total loans and advances, followed by overdrafts and other loans for South Africa banking sector.

Research Methodology Used

Information Sources

Information has been sourced from namely, books, newspapers, trade journals, and white papers, industry portals, government agencies, trade associations, monitoring industry news and developments, and through access to access to more than 3000 paid databases.

Analysis Methods

Methods used for analyzing the facts and figures given in this report include: Ratio Analysis, Historical Trend Analysis, Judgmental Forecasting and Cause and Effect Analysis.

Content

1. Analyst View
2. Research Overview
3. Overview of Worldwide Banking Sector
- 3.1 Introduction
- 3.2 Worldwide Forecast (2006-2010)
- 3.3 Africa Banking - In Global Context
  - 3.3.1 Introduction
  - 3.3.2 Ownership Pattern of Banks in Africa and Rest of the World
4. Industry Overview
- 4.1 South Africa Banking
  - 4.1.1 Top Performing Domestic and Foreign Banks
  - 4.1.2 Peer Ranking of Top Banks
5. Industry Performance
- 5.1 Introduction
  - 5.1.1 Total Banking Assets
  - 5.1.2 Capital Adequacy Ratio
  - 5.1.3 Profitability
  - 5.1.4 Efficiency
  - 5.1.5 Non Performing Loans
- 5.2 By Products
  - 5.2.1 Bank Loans
    - 5.2.1.1 Composition of Loan and Advances
  - 5.2.2 Credit Cards
  - 5.2.3 Bank Deposits
  - 5.2.4 Mzansi Accounts
    - 5.2.4.1 Market Share of Mzansi Account by Players
    - 5.2.4.2 Profile of Mzansi Account Holders
6. Industry Analysis
- 6.1 Driving Forces
- 6.2 Opportunities
- 6.3 Challenges
- 6.4 Future Outlook
  - 6.4.1 Growth in Banking Assets
  - 6.4.2 Growth in Bank Loans
  - 6.4.3 Growth in Bank Deposits
7. Key Players
- 7.1 Domestic Players
  - 7.1.1 Standard Bank of South Africa
  - 7.1.2 FirstRand Limited
  - 7.1.3 Nedbank Group Limited
  - 7.1.4 Investec Limited
  - 7.1.5 ABSA Bank Limited
  - 7.1.6 Citi Group Inc.
  - 7.1.7 Deutsche Bank
  - 7.1.8 ABN AMRO Holding N.V
  - 7.1.9 JPMorgan Chase & Co. (JPMorgan Chase)
8. Annexure
List of Figures:
- Figure 3-1: Worldwide - Forecast for Banking Industry by Growth (%), 2006-2010
- Figure 3-2: Africa & Rest of Developing World - Pattern of Bank Ownership (%), 2005
- Figure 5-1: South Africa - Composition of Banking Assets (%), Dec. 2004 & Dec. 2005
- Figure 5-2: South Africa - Capital Adequacy Ratio of Banks (%), 2001-2005
- Figure 5-3: South Africa - Distribution of Bank in terms of Capital Adequacy Ratio (%), Dec. 2003 to Dec. 2005
- Figure 5-4: South Africa - Banking Profitability (in Billion Rand), 2004 & 2005
- Figure 5-5: South Africa - Banking Efficiency (%), Dec. 2004 & Dec. 2005
- Figure 5-6: South Africa - Non-Performing Loans of Banks (%), 2001-2005
- Figure 5-7: South Africa - Bank Loans (in Billion Rand), 2001-2005
- Figure 5-8: South Africa - Composition of Loans and Advances (%), 2004 &2005
- Figure 5-9: South Africa - No. of Credit Cards (in Million), 2001-2005
- Figure 5-10: South Africa - Bank Deposits (in Billion Rand), 2000-2005
- Figure 5-11: South Africa - Market Share of Mzansi Account by Players (%), 2005
- Figure 5-12: South Africa - Profile of Mzansi Account Holders (%), 2005
- Figure 6-1: South Africa - Nominal GDP Growth (in Billion US$), 2006-2010
- Figure 6-2: South Africa - IT Expenditure by Major Banks (in Million Rand), 2005 & 2008.
- Figure 6-3: Worldwide - IT Expenditure by Major Banks (in Million Rand), 2008F
- Figure 6-4: South Africa - H-Index of Banks (2000-2005)
- Figure 6-5: South Africa - Forecast of Banking Assets (in Billion Rand), 2006-2010
- Figure 6-6: South Africa - Forecast of Bank Loans (in Billion Rand), 2006-2010
- Figure 6-7: South Africa - Forecast of Bank Deposits (in Billion Rand), 2006-2010
- Figure 7-1: Nedbank Group Limited - Stock Performance
- Figure 7-2: Citi Group Inc. - Stock Performance
- Figure 7-3: Deutsche Bank - Stock Performance
- Figure 7-4: ABN AMRO Holding N.V - Stock Performance
- Figure 7-5: JPMorgan Chase & Co. - Stock Performance
List of Tables:
- Table 3-1: Worldwide - Market Value of Banking Industry Group (in Billion US$), 2001-2005
- Table 3-2: Worldwide - Region-wise Segmentation of Banking Industry Group (%), 2005
- Table 3-3: Market Share of Foreign Banks in Major Economies (1990 & 2004)
- Table 3-4: Worldwide - Forecast for Banking Industry (in Billion US$), 2006-2010
- Table 4-1: South Africa - Top 10 Domestic Banks by Assets (in Million Rand), May 2006
- Table 4-2: South Africa -Top Performing Foreign Banks by Assets (in Billion Rand), May 2006
- Table 4-3: South Africa - Top Bank/Institution based on Peer Ranking (2000-2003 & 2005)
- Table 6-1: South Africa - Demographic Segmentation by Age Group (%), 2001-2009
- Table 7-1: Standard Bank of South Africa - Key Financials (in Million Rand), 2004-2005
- Table 7-2: First Rand Limited - Key Financials (in Million US$), 2003-2005
- Table 7-3: Nedbank Group Limited - Key Financials (in Million US$), 2000-2005
- Table 7-4: Investec Limited - Key Financials (in US$), 2004-2006
- Table 7-5: ABSA Bank Limited - Key Financials (in Million US$), 2003-2005
- Table 7-6: Citi Group Inc. - Key Financials (in Million US$), Q3 2005 to Q3 2006
- Table 7-7: Deutsche Bank - Key Financials (in Million Euro), Q3 2005 to Q3 2006
- Table 7-8: ABN AMRO Holding N.V - Key Financials (2003-2005)
- Table 7-9: JPMorgan Chase & Co. - Key Financials (in Million US$), 2003-2005