Total assets and gross loans and advances

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

Bank Supervision Department

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

Capital adequacy
15,50 Per cent

14,25

13,00

Selected South African banking sector trends

January 2011

11,75

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

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

Number of banks in South Africa

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

January 2010 2011 % %

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

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

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

Balance sheet items

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

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

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

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

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

146,83 51,93 6,62

170,79 53,23 8,10

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

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

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

Capital adequacy Selected liabilities

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

14,25 11,05

15,14 12,03

2 365 392 118 425 648 435 94 253 266

2 464 431 124 389 715 434 94 277 220

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

Financial leverage
Financial leverage ratio (times)
4

15,51

14,28

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

Equity
Total equity

200

223

11,6

Off-balance sheet items

Total off-balance sheet activities 410 848 106,9