Dissertations / Theses: 'South african banking'

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Khumalo, Mahlomola. "How South African banking sector facilitates South African foreign direct investment into Sub-Saharan Africa." Thesis, Stellenbosch : Stellenbosch University, 2008. http://hdl.handle.net/10019.1/8445.

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Thesis (MDF)--Stellenbosch University, 2008.
ENGLISH ABSTRACT: Currently, South Africa is a leading intra-continental foreign direct investor in Africa, in general, and in Sub-Saharan Africa, in particular. The internationalisation of South African enterprises has throughout the period following the advent of the new dispensation in 1994 assumed two forms: banking and non-banking cross-border expansions. These cross-border expansions have largely involved greenfield, merger and acquisition and joint venture types of investment. Increased trade between South Africa and the region and huge business and investment opportunities have been the pre-eminent motive forces behind the country's nonbanking and banking foreign direct investment drive into Sub-Saharan Africa. A number of studies have been conducted about South African general outward foreign direct investment, but none so specifically about the involvement of the South African multinational banks in this cross-border expansion by the country's multinational firms. In fact, no obvious and composite information is readily available about the "how" aspect of the involvement. It is the objective of this study therefore to investigate "how" South African banks with multinational behaviour have facilitated and continue to facilitate the way for South African foreign direct investment in Sub-Saharan Africa. The outcome of the research effort makes for an interesting discovery that demonstrates how South African banks indeed facilitate South African outward FDI flows into the Sub-Saharan region. A case study illustration in this research report clearly shows that banks, driven by their own foreign direct investment interests, were simultaneously facilitating and driving nonbanking foreign direct investment in the region. Benefits and costs are also accruing to firms and countries (host country and home country to a lesser degree) involved in the crossborder investment activities. South African outward foreign direct investment, although very important to Sub-Saharan Africa, has serious challenges to contend with in the region. Pockets of conflict and instability in some countries with lucrative opportunities continue to bedevil South African foreign direct investment. Policy and regulatory environments in some countries still remain to be a downside for the attraction of South African outward foreign direct investment, including banking foreign direct investment. Interestingly, South African govemment is keenly involved to ensure that trade and investment in Sub-Saharan Africa flow uninterruptedly without prejudicing any party. Trade and investment opportunities are indeed the key motives for South African outward foreign direct investment into Sub-Saharan Africa. The ''follow-your-client'' paradigm is largely responsible for the South African multinational banks' drive across the border into the region. This ''follow-your-client'' concept in the South Africa foreign direct investment context and other related concepts must be further researched in much greater detail and wider approach. But this does not take away the essence and significance of this study which, amongst other things, provides a good foundation for future research undertakings.
AFRIKAANSE OPSOMMING: Huidiglik is Suid-Afrika die voorstander in die intra-kontinentale vaste buitelandse investering in Afrika in die algemeen en spesifiek in Sub-Sahara Afrika. Die internasionalisering van Suid-Afrikaanse besighede het na 1994 twee vorme aangeneem, t.w. die uitbreiding van bank- en nie-bankinvestering. Die uitbreiding sluit in samesmeltings en venootskappe van investeringsgeleenthede. Verhoogde handel, investeringsgeleenthede en besigheid tussen Suid-Afrika en Sub-Sahara Afrika was die dryfkrag agter die land se vaste buitelandse beleggings. Aigemene studies is gedoen van Suid-Afrikaanse buitelandse beleggings, maar niks so spesifiek soos die samewerking van Suid-Afrikaanse banke met die banke van buitelandse multinasionale firmas nie. Daar is geen inligting vrylik bekombaar oor die 'hoe' van die buitelandse beleggings nie. Die doel van hierdie studie is om juis te bepaal hoe Suid-Afrikaanse banke tans en op die pad vorentoe te werk gaan om vaste buitelandse investerings met multinasionale besighede in Sub-Sahara Afrika uit te brei. 'n Teoretiese grondslag van die debat, definisies en begrip van die konsep "vaste buitelandse investering" vorm deel van die ondersoek, waar beide primere en sekondere data gebruik is. Moeite is gedoen om te verseker dat die data en inligting wat gebruik is, gebaseer is op die "global research methodology", wat insluit vraelyste en elektroniese onderhoude. Hierdie terugvoering wys daarop dat Suid-Afrikaanse banke inderdaad pro-aktief is in die veld van uitwaardse vaste beleggings in die Sub-Sahara area. Banke doen nie net hul eie vaste buitelandse investerings nie, maar fasiliteer dit vir nie-bank vaste buitelandse beleggings. Dit lei tot voordele en kostebesparings vir firmas in die proses van beleggingsaktiwiteite. Alhoewel Suid-Afrikaanse vaste beleggings belangrik is vir ander Afrikastate, is daar ook heelwat slaggate om in ag te neem. Onstabiliteite in lande met aansienlike investeringspotensiaal maak dit moeilik vir Suid-Afrika om te investeer. In baie lande het reels en regulasies nog steeds 'n negatiewe invloed op buitelandse investerings, wat banke insluit. Handel en beleggingsgeleenthede is die motief vir Suid-Afrikaanse investering in SubSahara lande. Die gesegde "follow your client" is die dryfkrag agter die Suid-Afrikaanse banke om te investeer. Daar moet meer ondersoek gedoen word oor die "follow your client" konsep. Hierdie verslag is dus slegs 'n begin punt waarop daar uitgebrei moet word deur verdere ondersoeke.

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Patel, Aadil Suleman. "Development of the South African monetary banking sector and money market." Thesis, Rhodes University, 2005. http://hdl.handle.net/10962/d1002732.

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This thesis presents a theoretical analysis of developments in the South African monetary banking sector and money market. In the first section, evolution of the political, social and economic environments over the past few decades are discussed to provide the reader with an idea of some factors responsible for the underdeveloped nature of this market. It has been argued that the domestic political and economic landscape is relatively stable. Nevertheless, factors such as Zimbabwe’s political and ensuing economic turmoil, coupled with numerous financial crises in other developing nations have had negative consequences on domestic financial market development and economic growth. The current state of monetary policy is also analysed, within the economic environment, and various policy considerations have been put forth concerning the inflation targeting policy. The thesis then goes on to scrutinise the statutory and institutional environments within which the monetary banking institutions operate. Recent changes in the regulations governing the operations of these institutions are identified, together with the consequences of such laws on banking institutions and possible amendments have been suggested. In particular, a system of Asset Based Reserve Requirements (ABRR) has been recommended, in place of the current cash reserve requirement, to ensure regulators create a level playing field in the financial sector. The system can also provide authorities with the necessary control required to direct funds to the most desirable sectors of the economy. Development of the interbank market and the effect of reduced banking competition on the efficacy of the South African Reserve Bank’s refinancing operations and inflation targeting policy are also considered. Finally, the thesis analyses some effects of financial development on the South African economy, and whether it is in the best interests of the country to pursue financial reforms with such vigour. While financial development may bring South Africa closer to international standards of best practice, the timing and extent of the reforms will be critical to guarantee success.

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Du, Toit Johannes Gerhardus. "An overview of the relationship between the South Africa banking sector and the South African wine industry." Thesis, Stellenbosch : Stellenbosch University, 2006. http://hdl.handle.net/10019.1/50573.

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Thesis (MBA)--Stellenbosch University, 2006.
ENGLISH ABSTRACT: This study shows that a close relationship exists between the South African wine industry and South African financial institutions. Research indicated a need to understand the characteristics and complexity of the wine industry, as well as that of credit assessment. This is important for both industries to further develop and strengthen their relationships. SA WIS provides statistics about various aspects of the South African wine industry. The wine industry is characterised by a fragmented basis. To strategically focus the industry, the South African Wine and Brandy Company (SAWB) was established in 2002. In the application for finance it is important for the applicant to know how credit is evaluated by financial institutions, and which aspects are of importance in the application. One cannot predict the future. The credit assessor therefore bases his credit decision on historical financial data, with the assumption that the trend will continue unless there are indications to the contrary. A specific wine industry credit application and evaluation process is discussed in the study. The final decision is only as good as the analysis, and the analysis is only as good as the information gathered. This study thus provides evidence that with a better understanding of the South African wine industry, financial institutions will be able to assess credit risks better. Similarly, the wine industry will benefit by a better understanding of credit assessment when applying for finance. A detail SWOT analysis was done on this industry. A summary was done of the most important finance needs of the South Afican wine industry, compared to the financial products offered by the South African banking industry and the information required to do the credit assessment. The additional information that the wine industry can supply to help the assessor to assess the application, is also listed. The study closes with proposals to the South African wine and banking industries on what to implement, in an effort to achieve a better relationship.
AFRIKAANSE OPSOMMING: Die studie toon dat 'n verwantskap bestaan tussen die Suid-Afrikaanse wynindustrie en Suid-Afrikaanse finansiele instellings. Navorsing toon aan dat daar 'n behoefte bestaan om die karaktereienskappe en kompleksiteit van die wynindustrie te verstaan, sowel as die van krediet keuring. 'n Beter verstandhouding is nodig om die twee industriee se verwantskap te versterk. SAWIS verskaf statistieke oor 'n verskeidenheid van die wynindustrie se aktiwiteite. Die wynindustrie het 'n gefragmenteerde basis. Die Suid-Afrikaanse Wyn en Brandewyn Maatskappy (SAWB) is in 2002 gestig, juis ten doel om die bedryf strategies te fokus. Dit is belangrik vir 'n aansoeker van krediet om te verstaan hoe die finansiele instelling kredietaansoeke evalueer, asook watter aspekte belangrik is om aan te spreek in 'n kredietaansoek. Die toekoms kan nie met sekerheid bepaal word nie. Die kredietkeurder baseer dus sy kredietkeuring op historiese data, met die aanname dat die tendens sal aanhou, tensy daar aanduidings is van die teendeel. 'n Spesifieke wynindustrie kredietaansoek en evaluasieproses word bespreek in die studie. Die finale krediet besluit is slegs soos goed soos die analise en die analise op sy beurt is weer net so goed soos die inligting wat versamel is. Die studie bewys dus dat met 'n beter begrip van die Suid-Afrikaanse wynindustrie, finansiele instellings 'n beter kredietanalise evaluasie sal kan doen. Terselfdertyd sal die wynindustrie bevoordeel word deur beter te verstaan hoe kredietaansoeke geevalueer word wanneer vir finansiering aansoek gedoen word. 'n Detail SWOT-analise is op die bedryf gedoen. 'n Opsomming word gedoen van die mees algemene finansieringsbehoeftes in die wynbedryf, gemeet teenoor die finansiele produkte aangebied en inligting vereis deur die finansiele instellings. Addisionele inligting wat die wynbedryf kan bied ten einde die kredietkeurder te help om die aansoek beter te kan evalueer, word ook gelys. Die studie sluit af met voorstelle aan die Suid Afrikaanse wyn- en bank industriee wat geimplimenteer kan word teneinde 'n beter verhouding te bewerkstellig.

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Tsegay, Yared Teka. "Competition and market structure in the South African banking industry." University of the Western Cape, 2004. http://hdl.handle.net/11394/7884.

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Magister Commercii - MCom
The South African banking industry is relatively sound and adequately capitalized high-tech service industry. It provides services to 51% of the economically active population. In the late 2001, 2002 and,2003, a number of small banks failed·due to liquidity crises, which subsequently spurred the momentum of consolidation in the industry. During this period, a great deal of mergers and acquisitions has taken place in the industry. The regulatory environment is in line with the Bank of International Settlements (BIS) guidelines. The regulations regarding foreign banks are evidently a barrier to foreign bank entry, which could spur the level of competition in the industry In this thesis the level of market concentration is calculated using concentration ratios, CR. and CRs, for four product markets. The concentration ratio R. ranges from 77% for investment products, 79% for deposit market, 89% for installment sales market to 95% for credit card markets. The Herfindahl-Hirschman Index (RH!) as calculated by reserve bank is 1750 by the end of year 2002, compared with the thresholds set by American Department of Justice; this falls short by only 50 from the range of the highly concentrated markets, which is above 1800 points. The methodology used to test competition, one of the new empirical industrial organization models, is the Panzar-Rosse reduced form revenue function. The P-R reduced form revenue function estimates the competitive conduct by the extent to which changes in factor price is reflected in revenue. The reduced form revenue function is estimated based on unbalanced panel of 15 banks for the period of 1993 to 2002 using fixed effects panel data econometrics. The estimated H-statistic is 0.516,

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Sukhdeo, Bernice Lara. "Social axioms as antecedents of corporate reputation in South African banking." Thesis, University of Pretoria, 2020. http://hdl.handle.net/2263/79762.

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Reputation is an important customer choice criterion in banking, a sector characterised by intangible services and limited opportunity for pre-purchase evaluation. It has been shown that while companies may communicate their reputation in a particular way, responses to reputation stimuli are not homogeneous, resulting in calls in the literature to understand sources of variation in customer responses. This study investigated whether an individual’s social axioms, that is, an individual’s general beliefs about the world were such a source of individual difference and influenced corporate reputation and behavioural intention among middle-high income South African banking customers. Conceptualising corporate reputation as customer perceptions (beliefs and attitude) led to adoption of the reasoned action approach as the study’s theoretical basis. Each of the social axioms dimensions, namely, fate control, religiosity, reward for application, social complexity and social cynicism, was hypothesised to influence customers’ beliefs about their bank and behavioural intention. Following a deductive approach and adopting a positivistic paradigm, quantitative data was collected from 636 middle-high income customers of the top five South African retail banks using an online questionnaire. The conceptual model was tested using partial least squares structural equation modelling. The study’s results confirmed that social axioms are a source of individual difference, can explain variances in customers’ beliefs, and are therefore antecedents of corporate reputation. Reward for application has the strongest relationship with customers’ beliefs while the relationship between social cynicism and beliefs was statistically insignificant. Effects of all social axioms dimensions apart from social cynicism were completely mediated in series by beliefs and attitude. Contributions to corporate reputation scholarship include definition of the construct as a collective of beliefs and attitude and expansion of the set of antecedents to beliefs within the reasoned action framework beyond the traditional personality and demographic factors. In practice the findings endorse the view that corporate reputation is to an extent beyond a company’s control and is in part controlled by stakeholders. As a result, it is suggested that bank marketing executives and reputation practitioners consider including social axioms in customer segmentation models to ensure that their offerings resonate with customers’ general beliefs about the world.
Thesis (DPhil)--University of Pretoria, 2020.
Gordon Institute of Business Science (GIBS)
DPhil
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King, Caroline. "The relationship between corporate sustainability and innovation in the South African banking sector." Diss., University of Pretoria, 2010. http://hdl.handle.net/2263/24249.

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The role of banks in sustainable development has been growing with prominence internationally. Therefore, research was undertaken to ascertain the approach of South African banking sector in respect of corporate sustainability or sustainable banking. The purpose of this research was to further explore the business case thereof in the SA context and specifically where it pertains to product and market innovation. A qualitative research methodology comprising an exploratory research design was applied, consisting of in-depth interviews and secondary data research of a sample of SA banking organisations. Findings indicated that SA banks primarily view corporate sustainability from an integrated approach. The South African macro-environment and national priorities play an important role in determining corporate sustainability initiatives. Accordingly, risks and opportunities are manifest (as part of a regulated and compliance-driven industry). Considering the national context and unique needs of stakeholders, there was evidence of a relationship between corporate sustainability and product and market innovation. However, not all opportunities from a business case perspective and in product and market types have been exhausted in this space. Copyright
Dissertation (MBA)--University of Pretoria, 2010.
Gordon Institute of Business Science (GIBS)
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Zonke, Khaya. "An analysis of funding liquidity risk in the South African banking system." Master's thesis, University of Cape Town, 2013. http://hdl.handle.net/11427/29022.

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Most emerging markets are faced with the predicament of a misalignment, or mismatch, of assets and liabilities in the banking sector where long-term assets are funded by short-term deposits. The South African (SA) banking sector also faces a challenge regarding the composition of the short-term deposits that fund these assets. The large and unstable wholesale funds dominate the funding side of local banks' balance sheets, particularly in the short-term bucket. The danger with wholesale funds arises when they are withdrawn unexpectedly, due to either perceived or realised risk. Due to their bulk, the wholesale funds have the potential to create a funding liquidity risk crisis in a bank. Most banks are unlikely to match these types of withdrawals, and will therefore have a forced asset fire sale to fund them. Retail funds do not face this danger, as it is highly unlikely, in normal market conditions, which many retail depositors would want to withdraw all their funds at the same time. Furthermore, retail funds are a cheaper source of funding compared to wholesale funds, thus making them a bank's preferred source of funding. In as much as they are a preferred source of funding, in the SA banking system retail deposits are very low compared to wholesale funding. This research study explores the funding liquidity risk and the predicament that exists in the SA banking industry by highlighting its main sources, and providing recommendations on how it can be addressed. This is achieved by testing the relationship between the ratio of retail funding to total bank funding (ROBF) and five explanatory variables, namely: household saving rates; retail deposit rates; corporate saving rates; wholesale deposit rates; and the Johannesburg Stock Exchange (JSE) All Share Index, with the aid of the multiple regression analysis method. The regression analysis was performed on data collected between 2002 and 2011. The research established that household saving rates and retail deposit rates were predictors that were statistically significant in explaining the movement in the ratio of retail funding to total funding.

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Zwakala, Kuhle Mkanyiseli. "Brand identity of a selected South African bank." Thesis, Cape Peninsula University of Technology, 2016. http://hdl.handle.net/20.500.11838/2435.

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Thesis (MTech (Marketing))--Cape Peninsula University of Technology, 2016.
By virtue of existence, a brand has a history, and probably an envisaged future. Collectively these variables are understood to be central to a brand’s identity formulation. However, there are various other elements that may inform brand identity construction. This study investigated brand identity formulation of a bank brand in the South African banking sector. In essence, the current study probed variables or elements that inform brand identity formulation, in this service oriented sector. It is understood that individual human identities can collectively influence the formulation of an institution’s brand identity, among other factors. Therefore, a question arises whether academic brand identity theory and practice are congruent in service sectors, particularly the South African banking sector. Dominated by few major banks, the South African banking sector is characterised by an oligopolistic market structure, where services provided are seen to be generic. Hence, the current inquiry on the practice (or lack thereof) of brand identity theory for differentiation, and distinction purposes. In this regard, Nedbank was used as a reference institution. In essence, Nedbank brand identity was investigated.

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De, Lange Michael Coenraad. "A strategic analysis of Capitec Bank Limited within the South African banking industry." Thesis, Nelson Mandela Metropolitan University, 2013. http://hdl.handle.net/10948/d1019932.

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The South African banking industry is well regulated and oligopolistic by nature. The financial sector in South Africa is of a world class standard, comparing favourably to that of developed countries i.e. United States of America and Great Britian, and developing economies such as the BRIC (Brazil, Russia, India and China) countries. The South African financial sector possesses the critical elements to exhibit good growth and sustainable profitabiblity. Capitec Bank Limited revolutionised the banking industry by providing a simplified and cost effective banking solution targeting the masses i.e. the "unbanked" population of South Africa. The company pursued a disruptive innovation strategy by targeting the lower income earning segment of the market i.e. individuals who are employed but do not have bank account. Capite's strategic approach and business model were designed around innovation and technology, exploiting a previously untapped market that no other competitor targeted. This approach has resulted in the bank's phenomenal growth over the past decade and most notably has seen Capitec's return on equity (ROE) increase from 12 percent to 26 percent and advances to costomers increase from R116 million to 16 billion. This has set precedent which the big four banks, namely ABSA, First National Bank, Standard Bank and Nedbank, could not match. Contributing to Capitec's success and the basis on which its business model is built are four pillars: accessibilty, simplicity, affordability and personalised service. These pillars have created a compatitive advantage resulting in the bid four banks playing catch up. A strategic analysis of Capitec bank was conducted in order to assess the feasibility of expansion by the bank into Africa. The conclusion of the study indicated that it was indeed a viable option for Capitec to expand its footprint across borders into Africa through mergers with banks exhibiting a similar business model, for example Equity Bank based in Kenya.

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Craucamp, Frederik Willem. "Factors influencing customer retention, satisfaction and loyalty in the South African banking industry." Thesis, North-West University, 2012. http://hdl.handle.net/10394/9009.

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Customer retention, loyalty and satisfaction are extremely important elements in any company’s strategy, especially in the highly competitive South African banking industry. Understanding the various factors that could influence these constructs is therefore critical to organizational success. Several studies showed the impact of these measures on profitability and shareholder value, but there has been little effort to access the factors that might lead to higher levels of retention, loyalty and satisfaction, especially in the banking industry. This paper examines the antecedents of customer retention, satisfaction and loyalty. These possible factors include: perceived value, perceived corporate image, perceived competitive advantage, perceived switching barriers, communication, knowledgeable employees, empowerment, personalisation, ethical behaviour, fees, relationship marketing, service quality (core and relational) as well as enabling service features. The results indicated that customer loyalty, customer satisfaction, switching barriers and communication had a significant impact on customer retention; customer loyalty, perceived value, perceived corporate image, retention, empowerment and relationship marketing had a significant impact on customer satisfaction; and customer satisfaction, switching barriers, perceived value, customer retention, fees, competitive advantage and relationship marketing had a significant impact on customer loyalty. It is evident that there is a close relation between satisfaction, retention and loyalty as all three influence each other in some way or another.
Thesis (MBA)--North-West University, Potchefstroom Campus, 2013.

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Naidu, Wesley. "The implications of capital structure theory and regulation for South African banking institutions." Diss., University of Pretoria, 2011. http://hdl.handle.net/2263/25512.

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The topic of capital structure has been one that has plagued the academic world for a number of years. There have been numerous works published on the subject which have presented such theories as the Modigliani and Miller Propositions, the Trade-off Theory, Pecking Order Theory, Signaling Theory and Agency Cost Theory to name a few. However, little research has been done on the application of these and other theories to banking institutions located in Southern Africa. This adds increased complexity to the determining of a local bank’s capital structure policy and the difficulty is further exacerbated by the increased application of regulatory control. In the wake of the recent global financial crisis, banking institutions have been placed under the spotlight and their capital adequacy levels come into question. A need was identified to investigate the impact that capital adequacy has on a bank’s performance and whether it achieves its purpose of increasing stability amongst banks. This study analysed the determinants of the capital structure of banks in South Africa based on secondary financial data and by performing this analysis attempted to establish trends in capital structure policy and regulatory compliance. The study also attempted to identify best practices that contribute to the overall value and performance of the banking institution. The expectation is that the correct application of capital structure theory and compliance with regulations will decrease a bank’s risk profile and in turn result in a more stable monetary system and economy. Overall, the results of the analysis were inconclusive, but lay the basis for potential future research. Conclusions drawn from the results and literature create greater understanding of the dynamics of capital structure and its implications to South African Banks. Copyright 2011, University of Pretoria. All rights reserved. The copyright in this work vests in the University of Pretoria. No part of this work may be reproduced or transmitted in any form or by any means, without the prior written permission of the University of Pretoria. Please cite as follows: Naidu, W 2011, The implications of capital structure theory and regulation for South African banking institutions, MCom dissertation, University of Pretoria, Pretoria, viewed yymmdd < http://upetd.up.ac.za/thesis/available/etd-01272012-122305 / > C12/4/97/gm
Dissertation (MCom)--University of Pretoria, 2011.
Financial Management
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Maphakela, Madidimalo Rabbie. "A model for legal compliance in the South African banking sector : an information security perspective." Thesis, Nelson Mandela Metropolitan University, 2008. http://hdl.handle.net/10948/725.

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In the past, many organisations used to keep their information on paper, which resulted in the loss of important information. In today’s knowledge era the information super-highway facilitates highly connected electronic environments where business applications can communicate on an intra- as well as inter-organizational level. As business expanded more into the cyber-world, so did the need to protect the information they have. Technology advances did not only bring benefits, it also increased the vulnerability of companies’ information. Information, the lifeblood of an organization, must be protected from threats such as hackers and fraud, amongst others. In the highly regulated financial sector, the protection of information is not only a best practice, but a legal obligation carrying penalties for non-compliance. From a positive aspect, organisations can identify security controls that can help them to secure their information, with the aid of legal sources. But organisations find themselves burdened by a burgeoning number of legal sources and requirements, which require vast resources and often become unmanageable. This research focuses on finding a solution for South African banks to comply with multiple legal sources, as seen from an information security perspective.

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Gouws, Nadia. "Identifying factors that influence customer retention in a South African retail bank." Thesis, North-West University, 2012. http://hdl.handle.net/10394/9032.

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Customer retention plays a pivotal role in contributing to the profitability of retail banks. Within this extremely competitive market it necessitates retails banks to follow a structured, data-driven approach to identify “at risk” customers and to launch proactive retention campaigns based on identified drivers of customer attrition. The following main drivers of customer attrition were identified in the retail bank:  Attrition decrease as Vertical Sales Index increase.  Attrition is lower where customers receive their salary in a BANKXX account.  Attrition decreases as duration increases.  Black and Coloured have a higher attrition rate than White and Asian. A literature review was conducted to identify the possible independent variables of customer retention and the concept of the profitable customer was addressed throughout proposed conceptual model was developed, signifying the best fit to identify drivers of customer retention in the retail bank. The analytical tool, SAS was used for data collection and statistical analyses of the data. This high-performance analytics assisted in providing the retail bank with valuable insight into how to successfully manage risk, retain profitable customers, improve operational efficiency and differentiate them in the marketplace for competitive advantage.
Thesis (MBA)--North-West University, Potchefstroom Campus, 2013.

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Adendorff, S. A. "A decision support model for the cash replenishment process in South African retail banking." Pretoria : [s.n.], 2006. http://upetd.up.ac.za/thesis/available/etd-11092006-150852/.

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Pietrus, Alex. "The impact of FDI into the South African banking sector : spillover effects and efficiency." Thesis, Queen Mary, University of London, 2015. http://qmro.qmul.ac.uk/xmlui/handle/123456789/8845.

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This disssertation investigates spillover effects in the South African SA banking sector using a number of different perspectives and methods. First, I used an adapted model developed by Claessens et al., (2001) and extended by Uiboupin (2005) to identify the effect of the foreign banks’ re-entry on the domestic banks’ performance after the apartheid regime change. The results show that the foreign banks’ entry has an effect on the before-tax profit of domestic banks and increases the competition in SA banking market. Then I further the investigation from an efficiency perspective using a cost efficiency model for the same bank panel. The results show that on average foreign banks are 28% more efficient that domestic banks. But the results show that over the period 2000-10 both categories of banks increased their efficiency level by around 10% and that the origin of the banks as well as their size were the main factors responsible for the efficiency gap. Then results from the implemention of a survey I designed, using an adapted version of Kraft (2002) for the foreign banks and branches, confirm that the entry of foreign banks contributed to the modernisation of the SA banking sector and to the introduction of new products and best practices, leading to the conclusion that spillover effects were localised in the limited segment of the SA wholesale banking. I analyse the impact of recent FDIs in SA banking sector, in terms of knowledge transfer and spillovers. The results show that the acquisition of ABSA (an SA big four) by Barclays (a British bank) generated increased efficiency. That was not the case for the Standard Bank (another of the SA big four), of which a 20% share was acquired by ICBC. The results show that these recent FDIs have no significant impact on competitiors’ behaviour and strategy.

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Tew, Mark. "Investigating the factors driving adoption of RPA in South African banking: a qualitative analysis." Master's thesis, Faculty of Commerce, 2020. http://hdl.handle.net/11427/33017.

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Background: Studies have shown that the traditional banking sector is under threat from digital banks and financial technology (fintech) organisations that can operate with a lower cost base and respond to the market faster. In response to this threat, leading banks have implemented Robotic Process Automation (RPA) to reduce costs and simplify operations. The adoption of RPA has, however, proven to be challenging as in many cases the impact of automation technology implementations is perceived to affect the livelihoods of staff who work in banks. Within the South African banking context, there is a particular sensitivity to factors that impede employment and labour unions are deeply involved in protecting workers. Objective: While there is research on RPA implementations, it is limited in the banking context. Further, there is currently little to no RPA adoption research specifically in the South African banking context. This study seeks to investigate the factors that drive RPA adoption in South African banks. Method: This study has used the Technology-Organisation-Environment (TOE) framework, extended with Institution Theory, as a lens to structure an approach in organising RPA adoption factors in an extensive literature review on the phenomenon. Thematic analysis was used to analyse the interview data that was collected. Themes were aggregated and organised by the TOE perspectives to create structure throughout the study. Results: The findings were that the adoption of RPA in South African banks is driven by the expected benefits of RPA which are achieved when well-suited processes are targeted, an effective operating model for the program including business and IT personnel, with the right skills. A well-designed change program is critical for RPA adoption in banks. South African banks are also working closely with the trade unions and are, on the whole, following best practices when automating parts of their workforce's roles by ensuring that they are given the opportunity to work on more engaging tasks.

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Moonasar, Viresh. "Credit risk analysis using artificial intelligence : evidence from a leading South African banking institution." Thesis, University of South Africa, 2007. http://hdl.handle.net/10500/111.

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Credit risk analysis is an important topic in financial risk management. Financial institutions (e.g. commercial banks) that grant consumers credit need reliable models that can accurately detect and predict defaults. This research investigates the ability of artificial neural networks as a decision support system that can automatically detect and predict “bad” credit risks based on customers demographic, biographic and behavioural characteristics. The study focuses specifically on the learning vector quantization neural network algorithm. This thesis contains a short overview of credit scoring models, an introduction to artificial neural networks and their applications and presents the performance evaluation results of a credit risk detection model based on learning vector quantization networks.

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Peacock, Brenda Thandiwe. "Strategies to improve the representation of black women in senior levels within the South African banking industry." Thesis, Nelson Mandela Metropolitan University, 2017. http://hdl.handle.net/10948/19695.

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The main purpose of this qualitative research study was to investigate strategies to improve the representation of black females in senior levels within the South African banking industry. This was done through investigating the challenges that black women face in their career advancement within the banking industry and the strategies which currently exist and can be implemented to improve this representation. In as much as the research is aimed at seeking strategies to improve black women representation in senior positions, it also seeks to understand the barriers experienced by black women in different levels within the industry as these levels serve as a pipeline for senior management. This problem was addressed through answering the research objectives. The research objectives were achieved through conducting a literature review to explore the existing research topic and conducting an empirical study. Empirical evidence was obtained through conducting semi-structured interviews with seven black women who are currently working in the banking sector. Semi-structured interviews were used due to the target population being specific to black women as well as the need to acquire in-depth knowledge from black women of their experiences in climbing the corporate ladder in the sector. The key findings of the research found that the participant’s perception was that black women were at the bottom, that black women were displaying behaviours that were inhibiting their progress to senior positions. The study also found that black women struggled to advance to senior positions due to different challenges that they encountered. The study is finalised by the participants providing recommendations in terms of how the representation of black women could be improved.

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Fouché, Casper Hendrik. "Measuring value added :|bthe case of the South African banking sector / Casper Hendrik (Hennie) Fouché." Thesis, North-West University, 2012. http://hdl.handle.net/10394/8695.

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Companies all over the world attempt to create value for their owners. This is done by delivering profits over an extended period of time. South Africa is no different and has become a major emerging economy. The South African financial system has been much acclaimed in the international arena as one of the best in the world, second only to Canada. Therefore it is very important for banks in particular to ensure the ability to create shareholder value. If the goal of a company is to create value then the company needs measures to track performance. Traditional accounting measures have been used for a long time to indicate how much profit has been made in the financial period. These measures have been used in businesses around the world since the early 1900’s. Since the 1980’s however more and more concerns have been raised over these measures. One of the main issues seen with traditional accounting performance measures is that they do not take into consideration the cost of investment. Value-based management (VBM) was proposed to fill this gap of taking into consideration the cost of capital invested. VBM in theory involves two steps. A company first has to adopt an economic profit metric as a key measurement of performance, and secondly tie this measure to executive compensation. VBM metrics such as Economic Value Added (EVA), Economic Profit (EP) and Cash-flow Return on Investment (CFROI) have gained popularity since the late 1980’s. Managing for value has become of utmost importance for most executives around the world. The main goal of this study was to test what factors can be used to indicate how much value has been created in South African banks. In order to do this a quantitative study was performed on the banks listed in the McGregor BFA database. Regression models were run on the data for these banks over the period 2001 to 2010 to see the impact of specified metrics on value creation. The measures selected for value creation were the growth in Economic Value Added (EVA), the growth in Shareholder Value Analysis (SVA) and EVA/Invested Capital. The independent variables selected were Return on Equity (ROE), growth in assets, the impairment ratio and the growth in operating income per employee. Added to this was a dummy variable which indicated whether the bank outperformed the bank index (the proxy for industry performance) in the particular year. And finally an autoregressive term was added because of the nature of the data being a time series. The results clearly indicate that the chosen metrics works for half of the banks and fails for the other half. It was also found that the growth in EVA performed best as indicator for value creation. The independent variables which were most consistent were ROE, the impairment ratio and the growth in operating income per employee. The fact that the bank had outperformed the bank index was inconsistent, being significant in some cases but not always. The results indicate that value creation is dependent on the particular bank that is considered. When using the results care should be given to which bank is being analysed. Further studies can be performed using even more measures for the different banks. It is therefore recommended that each company find what is working for them, in particular, when searching for a value creation measure.
Thesis (MBA)--North-West University, Potchefstroom Campus, 2013

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Davies, Gareth M. "An empirical study of client satisfaction with service recovery within a South African banking institution." Thesis, Rhodes University, 2004. http://hdl.handle.net/10962/d1003845.

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In many industries, service is the critical determinant of success or failure. Service failure is almost inevitable, and this has the potential for the organisation to lose its customer. However, if implemented successfully, Service Recovery can rectify the breakdown in service, and turn angry, frustrated customers into loyal ones. Service Recovery is vital for profitability, especially for companies operating in the services market, like First National Bank (FNB). Unfortunately, few service firms know how satisfied customers are with their Service Recovery efforts, and FNB is no exception. This study attempted to rectify the situation, to ensure that the bank does not fail its customers a second time. The major focus of the study is to assess client satisfaction with Service Recovery (SR) from FNB. By using the RECOVSAT instrument (developed by Boshoff in 1999), the study aims to establish how effective FNB was in terms of the six dimensions of SR, namely communication, empowerment, feedback, atonement, explanation, and tangibles. The relationship between each of the dimensions and customer satisfaction, as well as between customer satisfaction and loyalty, was measured, and a hypothesis for each relationship rejected or accepted. The empirical results show that, from 702 complainants, a RECOVSAT score of 68% was computed, which could be regarded as only satisfactory. The dimensions of communication, explanation, atonement, and empowerment, had the strongest positive correlation with customer satisfaction, while feedback and tangibles, although positively correlated, were not statistically significant, and thus not as important as the first four dimensions. FNB performed best on tangibles (81%), then communication (75%), explanation (70%), atonement (68%), empowerment (62%), and lastly feedback (51%). The study reinforced the view that customer satisfaction is positively related to loyalty. Other findings were that, administration and errors were the most frequent complaints, followed by pricing, fees, and interest, while time delays/waiting were the third most numerous. Over 54% of complainants had been with the bank for over 10 years, which could be a problem if the customers had left the bank, as the profitability of a customer generally increases with time. Age and gender did not appear to be factors that influenced behaviour of complainants. In terms of the managerial implications, it is recommended that FNB implement a Customer-Complaint-Handling (CCH) system that is both national and inter-group. The bank should also focus on empowering employees, improving communication skills, explaining to customers why the problem occurred, apologising, and offering some atonement. By adopting the recommendations, FNB should improve their service recovery, and as a consequence, their customer satisfaction and loyalty, and profitability should also increase.

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Ballim, Goolam Hoosen. "Interest rate behaviour in a more transparent South African monetary policy environment." Thesis, Rhodes University, 2005. http://hdl.handle.net/10962/d1004462.

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South Africa introduced inflation targeting as a monetary policy framework in 2000. This marked a sizable shift in monetary policy management from the previous "eclectic" approach and the explicit focus on M3 money supply before that. The study appraises the effectiveness of monetary policy under this new dispensation. However, the analysis does not centre on inflation outcomes, which can be a measure of effectiveness because they are the overriding objective of the South African Reserve Bank in effect, it is possible to have a target-friendly inflation rate for a length of time despite monetary policy that is ambiguous and encourages unpredictability in market interest rates. However, persistent policy opaqueness can, over time, damage a favourable inflation scenario. For instance, if the public is unsure about the Reserve Bank's desired inflation target, price setting in the wage and goods markets may eventually produce an inflation outcome that is higher than the Bank may have intended. Rather, this study adjudicates the effectiveness of monetary policy within the context of policy transparency, which is an intrinsic part of the inflation targeting framework. The study looks at the extent to which monetary policy transparency has enhanced both the anticipatory nature of the market's response to policy actions and the force that policy has on all interest rates in the financial system, particularly long-term rates. These concepts are important because through the transmission mechanism of monetary policy, the more deft market participants are at anticipating future Reserve Bank policy the greater the Bank's ability to steady the economy before the actual policy event. With the aid of regression models to estimate the response of market rates to policy changes, the results show that there is significant movement in market rates in anticipation of policy action, rather than on the day of the event or the day after. Indeed, the estimates for market rates movement on the day of and even the day after the policy action are generally minute. For instance, the R157 long-term government bond yield changes by a significant 41 basis points in response to a one percentage point change in the Reserve Bank's benchmark repo rate in the period between the last policy action and the day preceding the current action. In contrast, the R157 bond yield changes by an insignificant 2 basis points on the day of the current repo rate change and about 1 basis point the day after the current change. The results point to a robust relationship between policy transparency and the market's ability to foresee rate action. If this were not the case, it is likely that there would be persistent market surprise and, hence, noticeable movement in interest rates on the day of the rate action and perhaps even the day after. Another important observation is that monetary policy impacts significantly on both short- and long-term market rates. Again, certifying the robustness of monetary policy under the inflation targeting regime

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Edwards, Richard John. "A measurement of the soundness of selected South African banks : lessons from the Asian financial crisis." Thesis, Stellenbosch : Stellenbosch University, 2000. http://hdl.handle.net/10019.1/51576.

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Thesis (MBA)--Stellenbosch University, 2000.
ENGLISH ABSTRACT: The Asian financial crisis in mid-1997 highlighted the important role a sound, well regulated and supervised banking industry plays in the economy of a country or region. Although many analysts believe that the Asian crisis arose mainly as a result of factors external to the countries in question, this paper clearly highlights the role fragile banking industries within these countries played in the crisis. The Asian financial crisis was not the first of its kind, with similar crises erupting in Argentina, Mexico and other Latin American countries in the early 1990s. There is a belief that banking crises occur only in emerging and developing countries. Whilst the incidence of crises in emerging markets is higher as a result of higher risk profiles, poor regulation and supervision and government and political interference, the United States Savings and Loan Crisis of the early 1980s is evidence that banking crises are not limited to emerging economies. This study is divided into three parts, namely a theoretical literature study on the soundness of banking systems, an analysis of the Asian financial crisis and an analysis of the South African banking industry, with particular reference to the "Big Four" South African banks. The first part of this study deals with the theory relating to bank soundness, banking in emerging markets and a brief overview of the various risks faced by banks. A theoretical study is also undertaken of the causes of and reasons for individual bank failure, as in the banking industry a crisis of confidence often spills over from an individual bank in distress to other solvent and well operated banks within the industry. This is known as the contagion effect. The second part of the study deals with an in-depth analysis of the causes of the Asian financial crisis, with specific emphasis on the role banks played in fuelling the crisis. Recommended solutions are put forward in an attempt to avoid future possible crises of this magnitude. South Africa is classified as an emerging or developing country by international economists and therefore is often perceived to pose greater risks to foreign investors. The third part of this study deals with an in-depth analysis of the soundness of the South African banking industry concentrating on the financial performance of the "Big Four" - Amalgamated Banks of South Africa Limited, The First Rand Group, Nedcor Limited and Standard Bank Investment Corporation Limited. The "Big Four" make up close to 80% of the total market share of the South African banking industry. One could imply that if the "Big Four" are financially sound, then the South African banking industry could be classified as sound. Past experience has revealed that the failure of a small bank does not have any significant impact on the local banking industry (i.e. no contagion effect). This study will show that there is no single mathematical model available to analyse the probability of bank failure or bank system soundness. Rather a wide range of possible causes, both micro and macro-economic, can influence the soundness of a bank or banking system. The study will reflect that although South Africa may be classified as an emerging economy in view of the characteristics of its economic make-up, the banking industry is by no means "emerging". South Africa has one of the most highly regulated and supervised banking industries in the world. Furthermore, whilst maybe not efficient in terms of utilisation of capital and returns on equity, coupled with fairly high cost structures, the industry is profitable, with adequate margins, substantial reserves and well structured loan risk profiles complemented by sound and conservative management policies, overseen by a highly competent regulatory authority. One could therefore conclude that given the soundness of the "Big Four", the South African banking system may be classified as sound.
AFRIKAANSE OPSOMMING: Die Asiatiese finansiële krisis van 1997 het die belangrike rol van 'n gesonde en gereguleerde bankstelsel in die ekonomie van 'n land of streek beklemtoon. Alhoewel baie navorsers glo dat die Asiatiese krisis 'n gevolg was van eksterne faktore buite die beheer van die betrokke nasies, sal hierdie werkstuk klem lê op die rol van wankelrige bankstelsels in hierdie krisis. Die Oosterse finansiële krisis was nie enig in soort nie en is soortgelyk aan krisisse in Agentinië, Mexico en ander Suid-Amerikaanse ekonomië in die vroeë negentigerjare. Daar is 'n verdere opvatting dat finansiële krisisse beperk is tot ontwikkelende nasies as gevolg van hierdie lande se hoër risikoprofiel, onvoldoende wetgewing en toesighouding en politieke inmenging. Tot 'n groot mate is dit wel die geval, maar die 'United States Savings and Loans' krisis in die tagtigerjare het hierdie wanopvatting bevraagteken. Hierdie werkstuk is in drie afdelings verdeel - 'n teoretiese navorsingsprojek oor die stabiliteit van bankstelsels, 'n ontleding van die Asiatiese finansiële krisis en 'n ontleding van die stabiliteit van die Suid-Afrikaanse bankstelsel met verwysing na die "Groot Vier" banke. Die eerste deel van hierdie werkstuk handel oor die teorie van bankstabiliteit, die bankwese in ontwikkelende ekonomië en 'n kort samevatting van die risiko's waaraan banke blootgestel is. Teoretiese navorsing word ook gedoen oor die redes en oorsake van individuele bankmislukkings. Die rede hiervoor is dat 'n vertrouenskrisis in 'n individuele bank dikwels oorvloei na die gesonde banke binne dieselfde industrie. Die term hiervoor is die aansteking -effek. Die tweede deel van hierdie werkstuk dek 'n in-diepte ontleding van die Asiatiese finansiële krisis, met spesifieke verwysing na die rol van banke in die krisis. Aanbevelings word verder gemaak in 'n poging om soortgelyke, toekomstige krisisse te voorkom. Volgens internasionale ekonome is Suid-Afrika 'n ontwikkelende nasie en hou as sulks groter risiko's in vir beleggers. Die derde afdeling van hierdie werkstuk dek 'n in-diepte ontleding oor die stabiliteit van die Suid-Afrikaanse "Groot Vier" banke: Amalgamated Banks of South Africa Beperk, Die First Rand Groep, Nedcor Groep en Standard Bank Investment Corporation Beperk. Die "Groot Vier" beslaan 80% van die totale mark van die Suid-Afrikaanse bankwese. Hiervan kan afgelei word dat sou die "Groot Vier" finansiële stabiliteit ondervind, dan kan die Suid-Afrikaanse bankwese met reg as gesond beskou word. Ondervinding in Suid-Afrika het gewys dat die mislukking van 'n klein bank nie 'n groot invloed op die plaaslike bankwese het nie (die aansteking - effek). Hierdie werkstuk sal aantoon dat daar geen wiskundige of ekonomiese model beskikbaar is om 'n bankmislukking vroegtydig en korrek te voorspel nie - ook nie om die stabiliteit van 'n bankstelsel te waarborg nie. 'n Wye reeks moontlike oorsake, beide mikro- en makro-ekonomies van aard, kan die stabiliteit van 'n bank of die bankwese beïnvloed. Hierdie werkstuk sal deurlopend uitwys dat nieteenstaande Suid-Afrika se status as "ontwikkelende" nasie, die bankwese allermins "ontwikkelend" is. Suid-Afrika het een van die mees gereguleerde bankstelsels in die wêreld. Terwyl die aanwending van kapitaal en die opbrengs daarop nie altyd bevredigend is nie, is die opbrengs vir beleggers redelik hoog en die industrie winsgewend. Winsmarges is groot, diepte in reserves is duidelik teenwoordig en die korrekte, gestruktureerde risiko profiel van leners weerspieël stabiele en konserwatiewe bestuurspraktyke. Samevattend kan gesê word dat danksy die "Groot Vier", die Suid-Afrikaanse bankwese kerngesond is.

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Damon, Shameem. "Internal promotion of Islamic banking offerings at a South African traditional bank: An action research study." University of the Western Cape, 2018. http://hdl.handle.net/11394/6145.

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Magister Commercii - MCom (Business and Finance)
This master's thesis report is a record of my action research study conducted at a traditional bank in South Africa. The report follows a narrative writing style. It contains my personal learnings and reflections. In it I record my practices aimed at promoting Islamic banking products of a traditional bank. In undertaking this action research, I employed interventions whereby I improved my own learning and behaviour through practice. This action research took place within the customer facing division of a national traditional bank in the Western Cape.

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Mungai, Kinyanjui. "The economic impact of FinTech in the South African banking industry: A case of digital disruption." University of the Western Cape, 2019. http://hdl.handle.net/11394/6977.

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Philosophiae Doctor - PhD
The Fourth Industrial Revolution has provided new opportunities to tackle problems in health, education, transport and many other sectors. In the financial sector, new financial technology (FinTech) is providing new ways of tackling the problem of financial exclusion. The uptake of cell phones has enabled financial service providers (FSPs) to expand into areas where the most vulnerable have hitherto been outside the reach of the banking agency model. This has ultimately allowed previously financially excluded individuals to have access to bank accounts. Through SMACT (Social Media, Mobile, Analytics, Cloud and the Internet of Things) technologies, FSPs are able to collect new types of data such as call detail record data and mobile app data which have been leveraged globally to enable the emergence of M-Pesa in Kenya, the WeChat payments module in China and KakaoBank, South Korea’s first online-only bank. The common thread in these innovations is that these are telecommunications company-led business models that have encroached into the area of finance. Such digital disruption has happened in South Africa but little is understood about how inclusive digital financial services are in the South African context. Moreover, what are the barriers to further financial inclusion, given that South Africa has significantly high bank account uptake rates? What role can the Fourth Industrial Revolution technologies have in breaking those barriers and reaching the lower-income population that has largely been mis-sold financial products that were created for the middle to upper-income population? This study sought to investigate how the diffusion of SMACT technology has contributed to financial inclusion in the South African financial services sector. The study made use of a mixed methods approach to answer this research question. Finscope data from 2012 to 2015 was used as the data source for the quantitative section and key informant interviews as the source of data for the qualitative section. The study found that roughly 80% of adults in South Africa are financially included through formal banks. Despite the near 100% uptake rates of cell phones across all income groups, proximity to an ATM or bank branch still significantly determined whether an individual accessed formal financial services. The study also found that ATM withdrawal, store withdrawal and internet banking were infrequently utilised by lower-income adults. In terms of internet banking and digital financial services in general, financial products, especially digital credit, do not appear to be well aligned with the needs of the lower-income consumer. The mismatch of financial products and the needs of lower-income consumers is further worsened by poor financial literacy levels in South Africa, especially among lower-income consumers. The study concludes that more needs to be done to increase economic inclusion, digital inclusion and financial inclusion for the lower-income population in South Africa. While consumer protection and transparency are well covered in the regulatory and legislative framework to which FSPs by and large adhere, a more inclusive and sustainable financial sector will only exist if product fit, affordability, financial literacy and convenience issues are addressed. This should happen in an enabling environment where ICT infrastructure benefits all, interoperability of digital financial services is reached and a regulatory framework more focused on financial inclusion is in place.
2021-08-01

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Kamau, Tsholofelo. "The effects of leadership style on individualsÕ motivation and performance in the South African banking sector." Diss., University of Pretoria, 2017. http://hdl.handle.net/2263/64858.

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Leadership in organisations, and its effect on motivation and performance has been researched extensively for decades. Research has shown that leadership influences employee motivation and performance and that effective leadership in organisations can lead to a motivated workforce that enhances performance for the success of organisations. However, there has been limited research done on effective leadership at South African banks, and the effect of that leadership on employee motivation and performance. There is also a lack of empirical research on leadership, motivation and performance of senior managers and executives in the South African banking sector, a group considered important given the fact that they are responsible for the operational performance of their organisations. This study looks at the effects of leadership behaviours in the South African banking sector, and their influence on the motivation and performance of a diverse group of senior managers and executives, with a view to expanding the body of knowledge on the subject. A qualitative study involving interviews of senior managers and executives from the South African banking sector is undertaken. The study findings suggest that there are a number of dominant leadership styles in the South African Banking sector, and the respective traits are found to have both positive and negative impacts on motivation and performance of individuals.
Mini Dissertation (MBA)--University of Pretoria, 2017.
za2018
Gordon Institute of Business Science (GIBS)
MBA
Unrestricted

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Fadiran, Gideon Oluwatobi. "South African money market volatility, asymmetry and retail interest pass-through." Thesis, Rhodes University, 2011. http://hdl.handle.net/10962/d1002728.

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The purpose of this paper is to examine the interest rate transmission mechanism for South Africa as an emerging economy in a pre-repo and repo system. It explains how the money market rate is transmitted to the retail interest rates both in the long-run and short-run and tests the symmetric and asymmetric interest rate pass-through using the Scholnick (1996) ECM and the Wang and Lee (2009) ECM-EGARCH (1, 1)-M methodology. This permitted the examination of the impact of interest rate volatility, along with the leverage effect. An incomplete pass-through is found in the short-run. From the entire sample period, a symmetric adjustment is found in the deposit rate, which had upward rigidity adjustment, while an asymmetric adjustment is found in the lending rate, with a downward rigidity adjustment. All the adjustments supported the collusive pricing arrangements. According to the conditional variance estimation of the ECM-EGARCH (1, 1), negative volatility impact and leverage effect are present and influential only in the deposit interest rate adjustment process in South Africa.

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Richter, Leonie. "The relationship between customer satisfaction and revenue: an empirical study within the corporate banking division of a South African bank." Thesis, Rhodes University, 2013. http://hdl.handle.net/10962/d1006169.

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This is a quantitative study which explores whether there is a positive relationship between customer satisfaction as perceived by corporate customers and revenue generated from such customers of the corporate division of a single South African bank. This research report has three sections, namely the (1) academic paper which comprises a condensed literature review, research methods, results and discussion, (2) an expanded literature review, and (3) an expanded research methodology. Although these three sections are interrelated, they may be considered stand-alone documents. A review of literature contends that customer satisfaction has been a topic of interest for over four decades when, in 1965, the concept was first introduced to literature by Cardozo. Even in these early stages it was hypothesized that higher customer satisfaction would lead to repeat purchasing and cross selling. Thus, for some time, researchers have proposed that a link exists between customer satisfaction and a company’s bottom line, ultimately alluding to the notion of positive associations between customer satisfaction, revenue and profitability. The corporate banking division of a South African bank has dedicated significant time and economic resources to monitoring and improving the satisfaction of their corporate customers each year. With a focus on this single corporate banking division, this quantitative study used secondary customer satisfaction data to establish whether a positive relationship between customer satisfaction with a bank representative or more formally termed, the ‘transactional banker’ (TB) and revenue at an account level exists. The study used a one-dimensional customer satisfaction construct summated from several variables or a one-dimensional multi item scale. This quantitative study made use of secondary data obtained through customer satisfaction surveys conducted with the division’s clients in three waves during September 2010, March 2011 and September 2011. At the time of data collection, telephone interviews were conducted with individuals in corporations who were customers of the corporate division within the bank. These individuals in their respective corporations were identified and surveyed because they (a) managed the primary relationship of the corporation with the banking division and (b) were senior financial decision makers of their organization’s (i.e. had the ability to influence a decision to change banks). Sample sizes of 273 (September 2010), 259 (March 2011) and 310 (September 2011) individual corporate customers were achieved through a method of stratified sampling. In this study, customers were stratified according to the TB who is responsible for their account. Within each stratum a random sample of 10 – 15 participants were included for each of the 30 TB’s. Monthly revenue data, recorded as a) credit revenue, b) overdraft revenue and c) total revenue was sourced from internal company records for each month from September 2010 to January 2012. Pearson’s correlation coefficient was used to assess whether a positive correlation between the two variables of customer satisfaction and revenue exists. This was followed by Ordinary Least Square Regression to investigate the magnitude and nature of the relationship between customer satisfaction and revenue using customer satisfaction as the independent variable and revenue as the response variable. Cronbach’s alpha was also used for internal scale validity. The results of the research indicated no statistically significant relationship between a customer’s satisfaction with the performance of their TB and either the credit, overdraft or total revenue generated from such a customer through their account. By highlighting this, these findings, nevertheless, contribute to the growing body of knowledge examining the impact of customer satisfaction efforts on revenue. On the basis of the findings of this study, it cannot be practically recommended that customer satisfaction efforts be terminated or changed within the organization of study owing to several study limitations which were present. Firstly, the study was hampered by small sample sizes due to a lack of the availability of revenue data in some instances, particularly in the case of overdraft revenue. Secondly, the study only focused on a single bank account held with the bank and increases and decreases in revenue based on the balances held within that single account. Since one of the purported consequences of improved customer satisfaction is the purchase of additional products, the current design of the study does not take into account the take up of additional accounts or banking products with the bank. Thus, an increase in revenue for the bank as a whole due to the purchase of additional accounts may be masked. Similarly, the scope of the study does not extend to examining the effect of recommendations made by these corporate customers to others and hence growth of divisional or bank revenue due to the addition of new customers. Finally, this quantitative study does not examine revenue growth when compared to customer satisfaction improvements over time due to a limited sample of customers taking part in the study over a number of periods as well as incomplete revenue data. The recommendations for future research are to examine the relationship between changes in customer satisfaction and changes in revenue at divisional level in the long run within the South African banking industry as the impact of an increase in customer satisfaction may be obscured by salient factors in the short run. It is also suggested that future research look at the correlation between dissatisfaction and revenue, where adequate sample sizes are available. Theoretically, the results of this research do bring into serious question the universal application, especially in the context of the South African banking industry of the Service Profit Chain and Satisfaction Profit Chain which propagate the existence of a positive relationship between customer satisfaction and revenue.

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Gregory, Natasha. "A review of the effectiveness of the young lions leadership development programme in a South African financial institution." Thesis, Stellenbosch : University of Stellenbosch, 2011. http://hdl.handle.net/10019.1/8520.

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Thesis (MBA)--University of Stellenbosch, 2011.
Research shows that identifying and developing new leaders should be a leader’s primary focus due to the impact it has on the productivity, performance and sustainability of the organisation. The Young Lions Programme was a leadership development programme for high-potential supervisory staff implemented by a major South African financial institution’s retail banking division in the Western Cape region in 2006. The programme ran for three years until it was discontinued in 2008 due to the organisation implementing a national leadership development programme for all team leaders. Many of the organisation’s other regions still run development programmes for high-potential staff. However, the Western Cape region has not implemented another programme aimed specifically at high-potential staff since 2009. The effectiveness of the programme was never measured, nor was any research conducted to determine best practices for leadership development programmes. The aim of this research report is therefore to analyse the success of the programme through qualitative analysis by measuring the data gathered against the objectives originally set for the programme. Furthermore, this report aims to identify best practices in leadership development through the completion of a literature review and to make recommendations to the organisation for future leadership development programmes. The findings of this report are that the programme was successful in many aspects as demonstrated by the positive responses from the respondents to the questionnaire, and by the data analysed from the organisation’s database. Notwithstanding the success of the programme, responses from the questionnaire as well as the relevant research suggest that improvements can be made to the programme to increase its effectiveness in identifying, developing and retaining leaders in the organisation. These recommendations are summarised in the final chapter of this report.

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Sun, Jiaqi. "A modelling process of short-term interest rate risk management for the South African commercial banking sector." Thesis, Stellenbosch : University of Stellenbosch, 2011. http://hdl.handle.net/10019.1/6747.

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Thesis (MComm (Business Management))--University of Stellenbosch, 2011.
ENGLISH ABSTRACT: This study focuses on banking book interest rate risk management, more specifically shortterm interest rate risk management problems. This type of risk is induced by the inflation targeting policy of the South African Reserve Bank. As a result, inflation leads to an uncertain interest rate cycle and a period of uncertain interest rate levels as it relates to lending and borrowing products in the South African commercial banking sector. The lending rates of most South African commercial banks are tied to the prime overdraft rate. The borrowing rates are linked to the money market rates such as the Johannesburg Interbank Agreed Rate (JIBAR) which is indirectly affected by the prime overdraft rate. Hence, lending and borrowing rates are related to the repo-rate. Furthermore, a fixed relationship exists between the prime overdraft rate and the repo-rate. The monetary policy committee meets every two months during the year to make inflation and repo-rate adjustments, as stipulated in the inflation targeting policy. A subject portfolio containing fixed-rate loans, advances and floating-rate deposits is exposed to the change of the repo-rate. This short-term banking book interest rate risk is defined based on the fact that the repo-rate adjustment occurs every two months, the banking book risk management is short term focused, and hedging instruments against interest rate risk are short term dated contracts. Such a short term risk may have a negative impact on the bank’s profitability. The study starts with a review of the bank risk management processes, and then discusses the enterprise risk management framework that guides the formation of the risk management processes and systems. In order to benchmark against international risk management practices, a comparative analysis is carried out to evaluate the risk management tendencies of bank risk management in South Africa and globally. The empirical findings reveal that most banks (i.e. eighty per cent of all local banks) manage the short-term interest rate risk by following the same process as the interest rate risk in general. The key elements (risk identification, measurement, mitigation and monitoring and reporting) of the banking book interest rate risk management are not linked together as a systematic process. This is not in line with the Basel II Accord to manage market risks through a process approach. The study also proposes a generic short-term interest rate risk management framework and in doing so, addresses some of the weaknesses of current risk management practices. Based on this framework, the South African banks may develop their own processes to manage such short-term banking book interest rate risk exposure. Some of the problems of bank risk management that come to light from the empirical findings, are summarised in the last chapter and may be considered for future research.
AFRIKAANSE OPSOMMING: Hierdie studie fokus op die probleme van die bankboek rentekoersrisikobestuur, meer spesifiek die korttermyn rentekoers risikobbestuursprobleme. Hierdie tipe risiko word deur die inflasieteikenraamwerk beleid van die Suid-Afrikaanse Reserwebank veroorsaak. Dit veroorsaak ‘n tydperk van onsekere rentekoersvlakke veral sover dit uitleen- en leenprodukte in die Suid-Afrikaanse kommersiële banksektor aangaan. Die uitleenkoerse van die meeste Suid-Afrikaanse kommersiële banke is aan die prima bankoortrekkingskoers gekoppel. Die leningstariewe is aan die geldmarkkoerse soos die Johannesburgse Interbank Ooreengekome Koers (JIBOK) gekoppel wat indirek geraak word deur die prima bankoortrekkingskoers. Uitleen- en leenkoerse is redelik afhanklik van die repo-koers waar laasgenoemde ‘n redelike vaste verwantskap met die prima bankoortrekkingskoers het. Die monetêre beleidkomitee vergader elke twee maande van die jaar om inflasie en repokoers aanpassings te maak, ooreenkomstig die inflasieteiken beleid. 'n Bepaalde portefeulje met vasterente lenings, voorskotte en vlottende koers deposito’s is blootgestel aan die verandering in die repokoers. Hierdie korttermyn rentekoersrisiko van die bankboek word gedefinieer op grond van die feit dat die repo-koers aanpassing elke twee maande gebeur. Die bankboek risikobestuur het ‘n korttermyn fokus, en verskansingsinstrumente teen rentekoersrisiko is korttermyn kontrakte. So 'n korttermyn risiko kan 'n negatiewe impak op die bank se winsgewendheid hê. In hierdie studie word bankrisikobestuur prosesse beskou. Die risikobestuursraamwerk wat die basis vorm van die risikobestuursprosesse en stelsels word aangespreek. Om 'n idee te vorm van die huidige internasionale risikobestuurspraktyke of tendense by banke, word die state van internasionale en oorsese banke kortliks beskou. Die empiriese bevindinge uit die opname dui daarop dat die meeste banke (d.w.s tagtig persent van alle plaaslike banke) die korttermyn rentekoersrisiko nie afsonderlik van rentekoersrisikobestuur in die algemeen bestuur nie. Die sleutelelemente van die risikobestuursproses (risiko identifisering, mitigasie, implementering, monitering en verslagdoening) kom wel voor maar die bankboek rentekoersrisikobestuur is nie gekoppel as 'n sistemastiese proses nie. Dit blyk dat hierdie situasie na alle waarskynlikheid nie in lyn is met die Basel II akkoord om markrisiko's deur 'n prosesbenadering, te bestuur nie. Die studie stel ook ‘n generiese raamwerk voor vir die bestuur van korttermyn rentekoersrisiko wat dan ook van die swakhede van die huidige risikobestuurspraktyke aanspreek. Op grond van hierdie raamwerk, kan die Suid-Afrikaanse banke dit oorweeg om hul eie prosesse te ontwikkel vir die bestuur van bankboek rentekoersrisiko blootstelling. Sommige navorsingsprobleme van bank risikobestuur wat uit die empiriese bevindinge aan die lig gekom het, word in die laaste hoofstuk opgesom en kan vir verdere navorsing in die toekoms oorweeg word.

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Motau, Hlokammoni Grathel. "Determinants of unsecured lending : an empirical investigation of consumption, lending rates and deregulation in a South African context." Thesis, Stellenbosch : Stellenbosch University, 2015. http://hdl.handle.net/10019.1/97470.

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Thesis (MDF)--Stellenbosch University, 2015.
ENGLISH ABSTRACT: South Africa has experienced a significant growth in household unsecured credit extension, igniting concerns around the potential negative impact of household indebtedness on the stability of the banking system. With the use of correlation and ordinary least squares, the study attempts to prove a relationship between growth in unsecured lending (dependent variable) and consumption, lending rates and de-regulation (independent variables). Although there is a correlation between growth in unsecured lending and interest rates, this was not statistically significant. The study also found a strong relationship between unsecured lending and the other independent variables. Due to income and wealth inequality exacerbated by the past political dispensations as well as continued rise in the cost of living, unsecured lending provides a source of supplementary income that allow households to smooth their consumption expenditure over their life-cycle. On a longerterm basis, the country needs to gear itself to focus primarily on channelling resources towards productive investments. Quality education and skills as well as a culture of entrepreneurship and wealth creation should be cultivated at a young age.

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Lehobo, Limakatso. "Monetary policy transmission in South Africa: the prime rate-demand for credit phase." Thesis, Rhodes University, 2006. http://hdl.handle.net/10962/d1020850.

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A voluminous literature attempts to explain the various channels of the monetary policy transmission mechanism through which central banks ultimately achieve price stability. However, most research focuses on interest rate pass-through and the demand for money phase, while there is limited research on the demand for credit. This study endeavours to contribute to the understanding of this neglected phase of monetary policy transmission by exploring the response of the real demand for bank credit by the private sector to changes in the real prime rate from 1990:1 to 2004:4 in South Africa. Firstly, the behaviour of the real prime rate in relation to the repo rate is explored using graphical analysis. The study observes that an increase in the repo rate causes an increase in the real prime rate, such that there is always a margin of three or four percentage points between the two rates. Secondly, using secondary data, the Johansen methodology is used to determine the relationship between the demand for bank credit and its determinants (GDP, inflation, real prime rate and real yield on government bonds). Two co-integrating relationships are found. The Gaussian errors from one co-integrating vector are used to model the Vector Error Correction Model, which provides the short-run dynamics and the long-run results, through the use of Eviews 5 software. The results of the study show that while all other variables are negatively related to the demand for bank credit in the long-run, GDP has a positive influence. In the short-run, yield on government bonds and inflation coefficients depict a positive association, while the coefficients of real prime rate and GDP are negative. The error correction coefficient is -0.32, which implies that a 32% adjustment to equilibrium happens in the demand for bank credit in a quarter and that the complete adjustment takes about three quarters to complete. Thirdly, the generalised impulse responses results indicate that the impact on the real prime rate affects the demand for bank credit from the first quarter. The study concludes that the real prime rate has a negative impact on the demand for credit both in the short-run and long-run.

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Singh, Akash. "Sustainability in South African banking." Thesis, 2003. http://hdl.handle.net/10413/2431.

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The local banking industry has many challenges to face in the newly democratized South Africa. This study reviews these challenges, with special reference to sustainable business practice. It commences with an overview of the global business environment and more specifically, the challenges facing the international financial services sector with respect to sustainability. The effects of globalisation, as well as modernization, are used as key influencers in determining the external global environment. The international background is used to determine those factors that filter through to the South African banking sector, which is viewed as a new participant to the global economy. Complemented with the above, a high level review is performed of the local specific challenges facing banks in post-apartheid South Africa. This includes the challenge of providing accessible banking to the traditionally un-banked, as well as the implementation of black economic empowerment in the local financial services sector. With the above background in mind local banks are being evaluated on what they are currently doing in leveraging of sustainability in producing stakeholder value. The five capitals framework has been used to identify the level of implementation of sustainability in the current business models of South African banks. This status quo has been used as the foundation for making suitable recommendations to meet both the local and global challenges identified in the first part of the study.
Thesis (MBA)-University of Natal, 2003.

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Modise, Keitshokile. "Disintermediation within the South African banking system." Thesis, 2014. http://hdl.handle.net/10539/15248.

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Antwi, Albert. "Profit risk models for South African banking sector." Diss., 2016. http://hdl.handle.net/11602/767.

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Burger, Elsa. "Information overload in the South African banking industry." Thesis, 2008. http://hdl.handle.net/10210/387.

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At present, the average employee is being bombarded with an ever-increasing number of messages information on his/her company, its products and services, as well as information on its strategy all flooding in from a myriad of sources, including internal vehicles such as e-mail, the intranet, management memoranda, internal publications, as well as the external media, such as the Internet, the local newspaper, television news and national business and industry magazines. The term “information overload” is usually understood to present a state of affairs where an individual’s efficiency in using information in his/her work is hampered by a surplus amount of relevant and potentially useful information available to him/her. The principal aim of this study, therefore, is to establish the extent and impact of information overload on the knowledge worker in the banking industry, with special reference to the part that e-mail technology plays in the creation of such overload. Broadcasting, the telephone and the Internet have revolutionised the way in which workers communicate around the globe. Electronic-messaging systems such as e-mail have become the medium of choice in many organisations, and hold significant and valuable business data, information and knowledge. These systems have had a profound impact on the way in which personal and business communications are effected in the office. With e-mail having acquired mission-critical status, a number of concomitant circumstances and consequences have arisen that present organisations, such as banks, with a variety of challenges, among which • the impact on employees’ productivity, owing to the time spent on e-mailing activities • employees’ attitudes towards e-mail • compliance with corporate policies, such as those policies governing electronic communication and computer use • surveillance and monitoring of e-mail • the quest for finding formal archiving solutions.
Prof. C.W. Rensleigh

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Quiding, Craig. "The cost-benefit of regulation in South African banking." Diss., 2007. http://hdl.handle.net/2263/23663.

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In order to continue the economic transformation of South Africa, conditions must be created to encourage private sector activity and enterprise development that will translate into economic growth. The banking industry has a major role to play in the creation of this enabling economic environment and the government is using banking regulation to align the effort of the banks towards this goal. This effort will only be effective if the benefits and costs of the regulations can be identified, the benefits exceed the costs and they accrue to the correct stakeholders. The study reviews five recently promulgated legislative elements using triangulated documentary and primary research. The research reveals a conflict between the objectives of international compliance and social and economic development. The support of the enabling environment by the regulations is skewed towards the international compliance objective at the expense of the social and economic objectives. The benefits in the legislation accrue to banking customers and South African society and the major costs are incurred by the banks. If the banks use a positive, long term approach and view regulation as a business opportunity rather than a compliance initiative, the benefits of the regulation will exceed the costs and the regulation will contribute to the overall enabling economic environment. A model has been developed to show the relationship between the enabling environment, the regulation, the costs and benefits accruing to the stakeholder groups and the effects of the approach of the banks on the achievement of the objectives.
Dissertation (MBA)--University of Pretoria, 2010.
Gordon Institute of Business Science (GIBS)
unrestricted

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Ferreira, Susara. "Measuring reputational risk in the South African banking sector." Thesis, 2015. http://hdl.handle.net/10394/17041.

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With few previous data and literature based on the South African banking sector, the key aim of this study was to contribute further results concerning the effect of operational loss events on the reputation of South African banks. The main distinction between this study and previous empirical research is that a small sample of South African banks listed on the JSE, between 2000 and 2014 was used. Insurance companies fell outside the scope of the study. The study primarily focused on identifying reputational risk among Regal Treasury Bank, Saambou Bank, African Bank and Standard Bank. The events announced by these banks occurred between 2000 and 2014. The precise date of the announcement of the operational events was also determined. Stock price data were collected for those banks that had unanticipated operational loss announcements (i.e. the event). Microsoft Excel models applied to the reputational loss as the difference between the operational loss announcement and the loss in the stock returns of the selected banks. The results indicated significant negative abnormal returns on the announcement day for three of the four banks. For one of the banks it was assumed that the operational loss was not significant enough to cause reputational risk. The event methodology similar to previous literature, furthermore examined the behaviour of return volatility after specific operational loss events using the sample of banks. The study further aimed at making two contributions. Firstly, to analyse return volatility after operational loss announcements had been made among South African banks, and secondly, to compare the sample of affected banks with un-affected banks to further identify whether these events spilled over into the banking industry and the market. The volatility of these four banks were compared to three un-affected South African banks. The results found that the operational loss events for Regal Treasury Bank and Saambou Bank had no influence on the unaffected banks. However the operational loss events for African Bank and Standard Bank influenced the sample of unaffected banks and the Bank Index, indicating systemic risk.

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Van, der Merwe Arno. "Cloud computing in a South African Bank." Diss., 2013. http://hdl.handle.net/2263/40457.

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This research looked at cloud computing in a South African bank. Interviews were conducted in the information technology sector of a major bank in South Arica, as part of a deductive research method, to establish how cloud computing should be understood, what are specific benefits, obstacles, risks and if the benefits outweigh the obstacles and risks. The research demonstrated that cloud computing is a fairly new concept in South African banks especially when it comes to the public cloud. Private clouds are currently in existence, especially in the form of data centres and virtualised services. The research also indicated that benefits outweigh obstacles and risks, with cost seen as the most important benefit in contrast to privacy and security as the most important obstacle to consider. It would be difficult for a bank in South Africa to move into the public cloud and the focus would be to move no-core services into a public cloud and to keep the core services within the bank. It should be noted that the research sample was limited to only one of the major banks in South African and that it would be inaccurate to present the results as a complete view of banks in South Africa.
Dissertation (MBA)--University of Pretoria, 2013.
pagibs2014
Gordon Institute of Business Science (GIBS)
MBA
Unrestricted

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"Impact of Basel II on the South African banking system." Thesis, 2008. http://hdl.handle.net/10210/273.

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The overall objective of this study was to determine the effect of Basel ll on the South African banking system through possible changes in the way in which a bank conducts its business. This purpose arose from the publication of the new Basel ll Framework on 26 June 2004, which has been adopted for implementation by the South African Reserve Bank. South Africa has set January 1, 2008 as the implementation date for Basel ll. The South African banks have mainly been focussing their efforts on becoming Basel ll compliant. Business line management and marketers have up until now not paid much attention to the likely impact of Basel ll on their markets and product offerings. A literature study was undertaken which included a review of the Basel ll Framework, impact studies and a review of the relevant literature on the topic. The Framework was analysed in order to determine the major impact themes. Once these impact themes were identified, the literature on those areas of impact was researched. The analysis of the Basel ll Framework identified three important themes that will have a significant impact on banks. There will firstly be an impact on market segments and product offerings. Secondly, there will be an internal impact on the banks in the form of increased costs, decision-making and capital management. The final theme identified was the global impact on the banks, especially regarding procyclicality and mergers and acquisitions. vii The research indicates that there will be both winners and losers. Banks that have large retail and mortgage exposures will benefit the most from Basel ll, whereas banks that have large exposures to sovereigns, banks and specialised lending portfolios will be negatively impacted. A capital charge for operational risk will mean that some areas such as corporate finance and asset management will be allocated capital, which was not the case under Basel l. Studies indicate that this new operational risk capital requirement more than outweighs any reduction in credit risk capital requirements. Customers that have high credit ratings are more likely to benefit from lower credit spreads. Similarly customers that have poor credit ratings can expect an increase in their pricing due to the higher capital requirements for these customers, unless they can provide a bank with ancillary revenues. Competition in the retail and mortgage markets will intensify due to the favourable capital requirements for these portfolios. The large South African banks will become takeover targets because of their large exposures to these markets. Basel ll will have a major impact on the way in which banks will do business in the future and as a result banks should view the implementation of the Framework as an opportunity to gain strategic advantages rather than just a compliance obligation.
Prof. A. Boessenkool

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Ramavhona, Thinamano Cyril. "Factors influencing internet banking adoption in South African rural areas." 2014. http://encore.tut.ac.za/iii/cpro/DigitalItemViewPage.external?sp=1001585.

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M. Tech. Business Information Systems
The Banking industry globally provides Internet banking in order to offer their customers easy access to banking services. In South Africa, the banking industry has developed into a mature sector that is well managed and uses most advanced risk-management systems in conducting business. The banks in South Africa, like their counter parts in other parts of the world offer Internet banking to customers. However, the majority of South Africans in rural areas do not adopt and use Internet banking despite its convenience, the availability of Internet banking Infrastructure, the effort of banks in promoting Internet banking awareness and Internet security. This research investigated factors which influence the adoption and use of Internet banking in the context of South African rural areas.

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Mabuzane, Belinda K. "Modelling return on marketing in the South African banking sector." Thesis, 2012. http://hdl.handle.net/10539/22159.

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Thesis (M.Com. (Marketing Management and Information Systems))--University of the Witwatersrand, Faculty of Commerce, Law and Management, School of Economic and Business Sciences, 2012.
In today‟s increasingly dynamic and competitive markets, organizations are continuously pressurized to meet financial targets in order to realise company goals in an efficient and effective manner. The banking sector in South Africa has, for a very long time, operated in a predominantly oligopoly market, however, due to increasing pressure from new entrants like Capitec Bank, there has been a shift of focus to ensuring long term profitability and competitiveness as the new entrants are constantly implementing strategies that cause customer switching. The literature reveals that long-term profitability requires that a firm implements sustainable development projects to ensure long-term profitability. However, many of the profitability models in use today do not have a variable for sustainable development and yet it is a key factor in drawing returns on investment. This study adopts the South African banking sector and investigates the applicability of Rust, Lemon and Zeithaml‟s (2004) return on investment model for the various initiatives that the banks have implemented. From qualitative research with the banks, it was found that sustainable development forms a large part of the annual budget with the aim of improving the brand perceptions and increasing the likelihood of customer retention and attraction. However, the results from the bank‟s customers reveal that the initiatives being sponsored by the banks have very little effect on their decision to switch or remain banking with a specified bank. Basic customer satisfaction techniques like clear communication and customer care still outweigh any corporate initiative like sponsoring the local soccer league thus although these initiatives do benefit to keep the brand name in customer‟s minds, they do less in realising returns. The model reveals a technique to quantify return on investment taking into account factors like sustainable development and it was found that the model is applicable and useful in a South African setting. Recommendations include applying the model to gauge not only the possibility of returns but also how much a company can expect to receive after investing a specified amount of money on any initiative. This model will be very useful for planning especially for capital intensive projects as the current economic environment cannot accommodate for misappropriation of funds.
MT2017

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Mcwabeni-Pingo, Lulekwa Gretta. "A conceptualized data architecture framework for a South African banking service." 2014. http://encore.tut.ac.za/iii/cpro/DigitalItemViewPage.external?sp=1001584.

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M. Tech. Business Information Systems
Currently there is a high demand in the banking environment for real time delivery of consistent, quality data for operational information. South African banks have the fastest growing use and demand for quality data; however, the bank still experiences data management related challenges and issues. It is argued that the existing challenges may be leveraged by having a sound data architecture framework. To this point, this study sought to address the data problem by theoretically conceptualizing a data architecture framework that may subsequently be used as a guide to improve data management. The purpose of the study was to explore and describe how data management challenges could be improved through Data Architecture.

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Phaswana, Ike Phaswana. "The effects of a single brand on the South African Banking image." Thesis, 2003. http://hdl.handle.net/10413/2489.

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Brands represent invaluable intangible assets of ftrms and therefore need to be nurtured like tangible assets. Leading authors such as Sampson (1998) argue that Fortune 500 benchmark companies such as Coca Cola, BP and American Express have intangible assets accounting for a large percentage of their stock market value. Major banks around the world are competing in a commoditised market where differentiation is proving to be difftcult. Having the best processes and best products is no longer a guarantee for competitive advantage as competitors are likely to copy same. For a bank to have a sustainable competitive advantage in a commoditised market, it needs to use its brand as a contemporary weapon of market choice. Authors such as Grinden (1999) argue that this makes sense as no competitor bank can ever copy another bank's brand. Banks need to take their brands seriously and manage them as if they were managing newly granted loans. Authors such as Haque et al (1994) argue that banks need to realise that the values that make up the brand exist because they are perceived by customers and other stakeholders. Customers will evaluate these values positively or negatively. These evaluations are simply a brand image. Marketing is not about products or services, it is about perceptions. A bank should accept that a customer's perception about its image need not be a fact; it could be right or wrong. A customer will hold an opinion and his or her perception may determine the purchasing decision. As part of the study a literature review was done on brand and branding. Constructs were built based on the strength of literature review on branding and were mainly based on the conceptual model developed by Keller (1993). The aim of the research is to solve the business problem statement, namely: A multi-brand bank such as Nedbank believes provinces and single brands are not related and a single bank such as ABSA believes they are related. Using Chi-Square tests the researcher accepted the null hypothesis (Ho) and rejected alternative hypothesis (Ha) for the three branding variables tested, namely: Top-of-mind awareness, brand trust and brand loyalty. Sample coefftcient of correlation shows a positive relationship between these three variables.
Thesis, (MBA)-University of Natal, 2003.

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Abreu, Michelle Pingo-de. "Is there evidence of disintermediation in the South African banking sector?" Thesis, 2014. http://hdl.handle.net/10539/15806.

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Thesis (M.Com. (Economics))--University of the Witwatersrand, Faculty of Commerce, Law and Management, School of Economic and Business Sciences, 2013.
This paper assesses the level of financial intermediation in the South African financial industry and the reasons for these levels of intermediation. Different banking intermediation measures are considered and mostly reflect disintermediation during the 1993 to 2009 period. Panel regressions are run to assess which economic factors had the biggest impact on intermediation by SA’s four largest banks (Absa Bank, Standard Bank of South Africa, Firstrand Bank and Nedbank). It is found that bank intermediation was impacted by bank size, profitability, as well as the level of competition and client relationships. The level of financial intermediation in SA has been low, negatively impacting on banks intermediation ability, and possibly impeding government and corporate sectors’ investment and economic activity.

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"Risk governance in integrated reporting by South African listed banking entities." Thesis, 2015. http://hdl.handle.net/10210/14617.

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M.Com. (Computer Auditing)
Sufficient integrated reporting on risk governance is dependent on the actual risk governance strategies employed by South African-listed banking entities. Proper risk governance strategies are based on a clear understanding of the risk governance universe which influences such strategies. The elements of such a risk governance universe should incorporate aspects of risk management, information security management, Information Technology governance and management, Business Continuity Management and crisis management. In addressing these elements, a clear understanding is necessary of the principles of good corporate governance, as stipulated in the King Report on Governance for South Africa. This can then be supported with international best practice guidelines on all the subcomponents of the risk governance universe. These elements thus form the reference against which risk governance practices can be deployed to control risk factors. This involves the identification, measurement and mitigation of unwanted risk exposure, which is, in turn, dependent on the manner in which risk management plans have been applied throughout the different levels of employment in South African-listed banks.

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Gray, Jared. "The effect of blockchain technology on the South African banking environment." Thesis, 2018. https://hdl.handle.net/10539/28495.

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A research article submitted to the Faculty of Commerce, Law and Management, University of the Witwatersrand, in partial fulfilment of the requirements for the degree of Master of Business Administration Johannesburg, 2018
Blockchain technology is a foundational technology with various use cases that can significantly impact the manner in which banking is carried out in South Africa. The following paper seeks to put together a framework for understanding the potential effect of blockchain technology on the South African banking environment, with a specific focus on how blockchain technology will impact the South African banking environment (i.e. the applications and use cases) and when this impact will take place. A qualitative approach to addressing the problem statement was adopted, specifically in the form of focus interviews and strategic discussions with subject matter experts in both the blockchain and South African banking environment. Findings indicate that there are number of blockchain applications that can impact the South African banking environment namely, Private Digital Ledgers, Smart Contracts and Tokens/ Cryptocurrencies. Further to this, research indicates that the former is most likely in the short term, while the latter two applications are subject to a high-level stakeholder coordination, a high level of effort in educating the end customer and a high level of friction from existing systems and process, and will therefore only realise mass adoption in the long-term. As a result, this research contributes to providing an initial view of which applications are most likely to be adopted by South African banks and can form the foundation for further research in this area.
E.K. 2019

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Oksiutycz, Anna. "Organisational transparency in South African banking : an institutional field discourse analysis." Thesis, 2020. http://hdl.handle.net/10500/27115.

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Abstracts in English, Zulu and Southern Sotho
This thesis examines organisational transparency in South African banking after the financial crisis of 2007-2009. The crisis upset the global economy and resulted in general mistrust in banks and the global financial system. In addition to poor governance standards, inadequate transparency was identified as a key issue to be addressed in order to prevent future crises. The nature and consequences of banking transparency became a matter of worldwide debate. While the extant literature focuses mainly on banking transparency in the context of accounting, this study uses a communication perspective, examining transparency as a dynamic social and organisational phenomenon that is constituted through and reflected in organisational discourse, with both symbolic and practical implications. The primary objective of this study was to establish how the discourse in the institutional field of banking in South Africa after the Financial Crisis shaped the construction of the meaning of transparency in banking, and consequently how organisational field level discourse contributed to the institutionalisation of transparency practices in South African banking. The study adapted several conceptual frameworks previously used in discourse studies in order to analyse a banking field discourse at meso-level. From the data analysis perspective, the qualitative content analysis was performed with the aid of ATLAS.ti 8 software. The sample for the study comprises 76 purposively selected documents produced by the actors within the institution field of banking from the onset of the Financial Crisis until 2018. This study underlines the importance of the discourse within the institutional field of banking in South Africa and the construction of what is normal, acceptable and expected in terms of banking transparency, and its institutionalisation, thus highlighting the historical and social embeddedness of banking transparency. The data analysis identifies the main discursive strands within the banking discourse: one that is focused on market conduct transparency and the other, which addresses the importance of banks’ transparency in maintaining stability in the financial system. The results also reveal multiple meanings of transparency in South African banking and draw attention to the historical and discursive events that trigger change in institutional fields.
Le thesisi iphenya ukusebenza shashalazi kwenhlangano eNingizimu Afrika ngemuva kwenhlekelele yezimali ukusukela ngo 2007 ukufika ngo 2009. Le nhlekelele yaguqula isimo somhlaba kwezomnotho yaze yadala izinga lokungasathembeki kwamabhangi nohlelo lwezimali emhlabeni wonke. Ukwengeza phezu kwamazinga angagculisi okuphathwa kwamabhizinisi, ukungasebenzi shashalazi ngokwanele kuye kwabonwa njengodaba oluyinkinga okufanele luxazululwe ukugwema izinkinga esikhathini esizayo. Ubunjalo besimo kanye nemiphumela yohlelo olushashalazi lwemboni yezamabhangi kugcine sekuba wudaba oluxoxwa umhlaba wonke. Njengoba umbhalo wobuciko okhona ugxile kakhulu phezu kohlelo olushashalazi lwamabhangi kweze-accounting, lolu cwaningo lusebenzisa umqondo wezokuxhumana, luhlola uhlelo olushashalazi njengohlelo lwenhlangano yomphakathi oluguqukayo futhi olwakhekayo, kanti lolu hlelo lubonakala njengodaba lwenhlangano, ngendlela yophawu nangendlela ephathekayo. Inhloso yokuqala yalolu cwaningo kwabe kukuthola indlela lesi sifundo emkhakheni weziko lezamabhangi eNingizimu Afrika ngemuva kokuthi iziNhlekelele zeZimali zishintshe isakhiwo sencazelo yegama lokusebenza shashalazi kwezamabhangi, bese ekugcineni ingabe udaba lwezinga lomkhakha wenhlangano lube negalelo elinjani ekwakhiweni kwezingqubo zohlelo olushashalazi embonini yezamabhangi eNingizimu Afrika. Ucwaningo luguqule izakhiwo zegama ezimbalwa ebezisetshenziswa esikhathini esedlule ezifundweni zocwaningo ukuhlaziya udaba lomkhakha wezamabhangi ezingeni lomhlaba. Ngokomqondo wokuhlaziywa kwedatha, ukuhlaziywa ngendlela egxile kwingxoxo yolwazi olumumethwe kwenziwa ngosizo lwe-ATLAS.ti 8 software. Isampula yocwaningo iqukethe imibhalo engama-76 ekhethwe ngenhloso ekhiqizwe ngabadlali abangaphakathi komkhakha weziko lezamabhangi ngesikhathi sokuqala kweNhlekelele yeZezimali ukufika ngonyaka ka 2018. Ucwaningo lugcizelela ukubaluleka kwesifundo esingaphakathi komkhakha weziko lezamabhangi kanye nokwakhiwa kwalokho okuthathwa ukuthi kujwayelekile, kuyamukeleka futhi kulindelwe mayelana nohlelo lokusebenza shashalazi kwamabhangi, kanye nokkwakhiwa kwalolu hlelo, ngakho-ke lokhu kuveza umlando kanye kanye nabantu ohlelweni lokusebenza shashalazi kwezamabhangi. Ukuhlaziywa kwedatha kwenze ukuthi kuphawuleke izimpawu ezibalulekile ezidukisayo ngaphakathi kohlelo lwezamabhangi; olunye lugxile phezu kohlelo olushashalazi mayelana nokuziphatha kwamabhangi, kanti olunye lubhekene nokubaluleka kohlelo olushashalazi kwezamabhangi ngenhloso yokugcina ingqubo ezinzile ohlelweni lwezezimali. Imiphumela nayo iveza izincazelo eziningi zohlelo lokusebenza shashalazi kwamabhangi eNingizimu Afrika kanye nokuxwayisa ngomlando nangezehlakalo ezidukisayo eziphembelela ukuthi kube nezinguquko emikhakheni yamaziko.
Phuputso ena e hlahloba ponaletso ya mokgatlo lekaleng la dibanka tsa Afrika Borwa kamora koduwa ya ditjhelete ya ho tloha 2007 ho isa ho 2009. Koduwa ena e ile ya ferekanya moruo wa lefatshe mme ya fella ka ho se tsheptjwe ha dibanka le tsamaiso ya ditjhelete ya lefatshe. Ntle le maemo a mabe a puso, ponaletso e sa lekanang e ile ya hlwauwa e le taba ya mantlha e lokelang ho rarollwa ho thibela mathata a kamoso. Sebopeho le ditlamorao tsa ponaletso ya dibanka ebile taba ya puisano ya lefatshe ka bophara. Leha dingodilweng tse fumanehang hona jwale di shebile ponaletso ya dibanka haholo-holo maemong a ho boloka dibuka, phuputso ena e sebedisa pono ya puisano, e lekolang ponaletso e le taba e matla ya phedisano le mokgatlo e hlophisitsweng ka, mme e bontshitswe puong ya mokgatlo, ka diphello tsa matshwao le tse sebetsang ka bobedi. Morero wa mantlha wa phuputso ena e ne e le ho tiisa hore na puo lefapheng la dibanka Afrika Borwa kamora Koduwa ya Ditjhelete e thehile kaho ya moelelo wa ponaletso dibankeng jwang, le hore na puo ya boemo ba mokgatlo e kentse letsoho jwang ho hlophiseng mekgwa ya ponaletso dibankeng tsa Afrika Borwa. Phuputso e ile ya hlophisa meralo e mmalwa e neng e sebedisitswe diphuputsong tse fetileng tsa dipuo e le ho manolla puo ya lekala la dibanka maemong a bohareng. Ho latela pono ya manollo ya lesedi, manollo ya boleng ba dikateng e entswe ka thuso ya software ya ATLAS.ti 8. Sampole ya phuputso e na le ditokomane tse kgethilweng ka boomo tse 76 tse hlahisitsweng ke ba amehang lefapheng la dibanka ho tloha qalong ya Koduwa ya Ditjhelete ho fihlela 2018. Phuputso ena e totobatsa bohlokwa ba puo kahare ho lefapha la dibanka Afrika Borwa le kaho ya se tlwaelehileng, se amohelehang le se lebelletsweng mabapi le ponaletso ya dibanka, le tlhophiso ya yona ka hona ho totobatsa ho kenella ha nalane le phedisano ho ponaletso ya dibanka. Manollo ya lesedi e hlwaya dikarolwana tse ka sehloohong tse ka hare ho puo ya banka: e nngwe e shebane le ponaletso ya boitshwaro ba mmaraka, ha e nngwe e bua ka bohlokwa ba ponaletso ya dibanka ho boloka botsitso tsamaisong ya ditjhelete. Diphetho di boetse di senola ditlhaloso tse ngata tsa ponaletso dibankeng tsa Afrika Borwa le ho lebisa tlhokomelo diketsahalong tsa nalane le tse amanang le puo tse bakang phetoho makaleng a ditsi.
Communication Science
D. Phil. (Communication)

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"A South African retail bank’s readiness to knowledge management implementation." Thesis, 2015. http://hdl.handle.net/10210/13660.

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M.Com. (Business Management)
This study focuses on one specific knowledge management process, namely the knowledge sharing process within an operational risk management cluster of a chosen South African retail bank. The study specifically focuses on the bi- weekly meetings that are used as platforms for knowledge sharing sessions. The primary objective of the study, is to ascertain how well the corporate investment bankers, shared services and CIB Africa operational risk management cluster is effectively utilising its meetings in terms of knowledge sharing to ensure that the operational risk management strategies of the chosen bank, provides optimal assurance to its stakeholders that the bank operates within its operational risk appetite. The study is divided into five chapters. The first chapter provides the readers with a thorough understanding of the research problem and topic. The second chapter provides the theoretical framework of the literature pertaining to the context of knowledge management with a specific focus of knowledge sharing. The third chapter discusses the research methodology adopted to conduct the study. The fourth chapter discusses the empirical findings and discussion of the study. Lastly, chapter five provides conclusions, recommendations and possibilities for further research. The theoretical framework of study began by focusing broadly on the concept of knowledge management weaving its way to the specific concept of knowledge sharing. A single case research approach was adopted. All respondents were attendants of the bi-weekly knowledge sharing sessions held in the chosen bank. The empirical findings of the study revealed that there is no common awareness and understanding of the concepts of knowledge management and knowledge sharing within the chosen bank. It was further established that factors such as the role of organisational culture, leadership involvement and participation, and rewards and incentives were key factors that had the ability to either enable or hinder the knowledge-sharing within the chosen bank.

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Chuene, Palesa. "Aligning information systems and business strategies in a South African banking evironment." 2014. http://encore.tut.ac.za/iii/cpro/DigitalItemViewPage.external?sp=1001387.

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Makhubele, Lean. "A conceptual model for knowledge sharing in a South African banking service." 2011. http://encore.tut.ac.za/iii/cpro/DigitalItemViewPage.external?sp=1000202.

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Submitted in partial fulfillment of the requirements for the degree M. Tech. Business Information Systems Tshwane University of Technology
In the highly competitive service economy, knowledge is considered as the most important resource from which organizations can create value. Thus the ability of an organization to quickly collect and share knowledge amongst its members is the fundamental source for competitive advantage. The right knowledge need to be passed to the rightful recipient at the right time. This also helps the organization to preserve its knowledge in the event of resignation and retirement of employees, as their knowledge would have been captured and made accessible to whoever needs it. Using Knowledge-based Theory of the firm and Organizational Knowledge Creation Theory as lenses, the purpose of this study was to explore the factors that can enhance the sharing of knowledge amongst IT bank employees using Mayana bank (pseudo name) as a case study. Empirical evidence show that organizational factors, social factors, information technology, trust and employee's attitude play a significance role in knowledge sharing amongst IT employees, within the banking service. Informed by this evidence, a knowledge sharing framework was conceptualized.

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Dissertations / Theses on the topic 'South african banking'

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