南非银行市场份额2025年3月：零售存款增长降至历史低点
Issuer of report:HSBC Bank Middle EastLtd,DIFCView HSBC Global Research at:https://www.research.hsbc.comListen to our insightsFind out moreHSBC Global Research PodcastsHenry Hall*Banks AnalystHSBC Bank Middle East Ltd, DIFChenry.hall@hsbc.com+27 11 880 1855Harish Paliwal*AssociateBangalore* Employed by a non-US affiliate of HSBC Securities (USA) Inc, and isnot registered/ qualified pursuant to FINRA regulationsEquitiesCommercial BanksSouth Africa M-o-m0.50.73.00.30.03.60.40.61.7 Core loansAdvances (excl FCLs)Total advances Y-o-y-1.713.26.56.64.96.4-3.5-36.94.3 2Rolling y-o-y growth in main loan categories since June 1996Figure 2. Total Industry Loans-505101520253035Jun-96Jun-97Jun-98Jun-99Jun-00Jun-01Jun-02Jun-03Jun-04Jun-05Jun-06Jun-07Jun-08Jun-09Jun-10Jun-11Jun-12Jun-13Jun-14Jun-15Jun-16%Source: SARB DI900s andBA900sFigure 3. Total Industry Loans less FCLs-505101520253035Jun-96Jun-97Jun-98Jun-99Jun-00Jun-01Jun-02Jun-03Jun-04Jun-05Jun-06Jun-07Jun-08Jun-09Jun-10Jun-11Jun-12Jun-13Jun-14Jun-15Jun-16%Source: SARB DI900s and BA900sFigure 4. Total Industry Core Loans-505101520253035Jun-96Jun-97Jun-98Jun-99Jun-00Jun-01Jun-02Jun-03Jun-04Jun-05Jun-06Jun-07Jun-08Jun-09Jun-10Jun-11Jun-12Jun-13Jun-14Jun-15Jun-16%Source: SARBDI900s and BA900s Source: SARB DI900s and BA900sFigure 6. Total Corporate Loans-50510152025303540Jan-97Jul-98 Jan-00 Jul-01 Jan-03 Jul-04 Jan-06 Jul-07 Jan-09 Jul-10 Jan-12 Jul-13 Jan-15 Jul-16 Jan-18 Jul-19 Jan-21 Jul-22 Jan-24%Source: SARB DI900s and BA900sFigure 7. Mortgages05101520253035Jun-96Jun-97Jun-98Jun-99Jun-00%Source: SARB DI900s and BA900s 4Source: SARB DI900s and BA900s 8Rolling y-o-y Loan Growth per Bank sinceJune 1996Figure 16. ABIL-60-40-20020406080100Jun-96Jun-97Jun-98Jun-99Jun-00Jun-01Jun-02Jun-03Jun-04Jun-05Jun-06Jun-07Jun-08Jun-09Jun-10Jun-11Jun-12Jun-13%Source: SARB DI900s and BA900sFigure 17. ABSA-10-50510152025303540Jun-96Jun-97Jun-98Jun-99Jun-00Jun-01Jun-02Jun-03Jun-04Jun-05Jun-06Jun-07Jun-08Jun-09Jun-10Jun-11Jun-12Jun-13%Source: SARB DI900s and BA900sFigure 18. Capitec-101030507090110130150Jun-03Jun-04Jun-05Jun-06Jun-07Jun-08Jun-09Jun-10Jun-11Jun-12Jun-13Jun-14Jun-15Jun-16Jun-17Jun-18Jun-19Jun-20Jun-21Jun-22Jun-23Jun-24%Source: SARB DI900s and BA900s Term Structure of Deposits per bank and changes over timeFigure 23. Term structure of deposits65.068.277.757.154.474.512.412.211.515.517.410.822.619.510.827.428.214.6020406080100ABSACapitecFirstRandInvestecNedbankStanbank0 to 31 days32 to 180 days>180 days%Source: SARB BA900sFigure 24. Term structure of deposits (numbers)Source: SARB BA900sFigure 25. M-o-m % Change in Term structure of depositsSource: SARB BA900s0 to 31 days32 to 180 daysABSA65.012.4Capitec68.212.2FirstRand77.711.5Investec57.115.5Nedbank54.417.4Stanbank74.510.8Industry68.013.20 to 31 days32 to 180 daysAbsa-0.40.1Capitec-1.20.5FirstRand0.9-0.7Investec-0.4-1.0Nedbank-1.00.1Stanbank-0.80.5Industry-0.2-0.2 Source: SARB BA900sFigure 29. Retail deposit growth and market share movements(%) Advances Breakdown perBankFigure 33. ABSAOtherpriv ate26%Personal2%Card debtors4%FCLs11%Mortgage-Retail23%Mortgage-Corporate9%VAF-RetailVAF-Corporate3%Other13%Source: SARB BA900sFigure 35. NedbankPublic2%Otherpriv ate24%Personal3%Card debtors2%FCLs6%Mortgage-Retail21%Mortgage-Corporate19%VAF-Retail15%VAF-Corporate3%Other5%Source: SARB BA900sFigure 37. InvestecOtherpriv ate26%FCLs5%Mortgage-Retail21%Mortgage-Corporate26%VAF-Corporate2%Other19%Source: SARB BA900s Source: SARB BA900sFigure 41.ForeignMortgage-RetailSource: SARB BA900s Source: SARB BA900sFigure 42. TotalPublic1%Mortgage-CorporateVAF-Retail7%VAF-Corporate3%Source: SARB BA900s Market Share Breakdown per Asset CategoryFigure 45. Total Advances (%)Figure 46. Total Core Loans (%)20.720.77.716.124.43.020.421.97.415.924.23.1048121620242832ABSAFSRINVPNEDSBKCPIMar-25Mar-240ABSAFSRINVPNEDSBKCPISource: SARB BA900sSource: SARB BA900sFigure 47.Total Assets (%)Figure 48.Total deposits (%)20.221.47.315.924.92.720.022.17.216.224.12.8051015202530ABSAFSRINVPNEDSBKCPIMar-25Mar-240ABSAFSRINVPNEDSBKCPISource:SARB BA900sSource: SARB BA900sFigure 49.Mortgages–Retail (%)Figure 50.Mortgages–Corporate (%)23.319.97.215.832.80.323.220.07.416.332.20.3061218243036ABSAFSRINVPNEDSBKCPIMar-25Mar-240ABSAFSRINVPNEDSBKCPISource: SARB BA900sSource: SARB BA900s 1.11.3 Source: SARB BA900sFigure 56. Public Sector loans (%)4.20.04.80.00ABSAFSRINVPNEDSBKCPISource: SARB BA900s Annualised LoanGrowthFigure 57. Loan growth since last reported dateSource: SARB BA900sFigure 58. Loan growth since the beginning of the calendar yearSource: SARB BA900sDate of lastyear-endABSA31 Dec 24ABIL30 Sep 24Capitec28 Feb 25FirstRand30 Jun 24Investec31 Mar 24Nedbank31 Dec 24Stanbank31 Dec 24ABSAABILCapitecFirstRandInvestecNedbankStanbankOtherIndustry 20Market Share AnnexuresTotal AssetsSource: SARB BA900sRankBank name1ABSA2Access Bank3African Bank Limited4Albaraka Bank Ltd5Bank Of China6Bank of Communications7Bank Of Taiwan8Bank Zero9Bidvest Bank Ltd10BNP Paribas SA1
