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kpmg
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Bank margins and relatedprofitability in South Africa
A study
KPMG20 November 1998
This report contains 58 pages
Bank margins and related profitability in South Africa20 November 1998
kpmg
i
Contents1 Introduction and scope of study
1
2 How the banking industry works
3
2.1 An overview
3
2.2 Banking risks
3
2.3 Bank profitability
4
2.4 Minimising interest rate risks
7
2.5 Interest rates are key to bank profits
7
2.6 How to analyse a bank
8
3 Interest rate formation
14
3.1 What is an interest rate?
14
3.2 Forms that interest might take
14
3.3 Markets for credit
15
3.4 Changes in the supply and demand for credit
17
3.5 The changing value of money
18
3.6 The role of risk in determining interest rates
22
3.7 The role of the Reserve Bank in determining interest rates
23
3.8 Interest rate margins
25
4 Determinants of bank interest margins and profitability
28
4.1 Background
28
4.2 The data
28
4.3 Empirical results
32
4.4 Conclusions
34
5 Banking in South Africa
36
5.1 Introduction
36
5.2 Overview
36
5.3 Capital
38
5.4 Return
40
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Banking Ass- KPMG Study - Bank Margins
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