Asande Mahlaba
Grounding Butterflies so change can take place
- August 31, 2022
- Posted by: Asande Mahlaba
- Categories: News, Opinion Pieces
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Gordon Gecko said “greed is good” in the movie Wall Street. I say change is good. It has influenced my professional journey and has had an enriching effect on my career. Now, as a coach and capacity builder,in the words of an African proverb, I am “lighting other candles”.
South African bank lending practices survey WP/2021/11
- February 17, 2022
- Posted by: Asande Mahlaba
- Categories: News, Publication, Reports
Since our March 2021 Survey, we experienced rioting and looting in KwaZulu Natal and other provinces during July. The subsequent month-on-month data does not show a noticeable change in bank lending as a result thereof.
The Archegos saga demonstrates once again that banks’ and financial institutions’ quest for huge returns trumps prudent risk management OP/2022/01
- January 23, 2022
- Posted by: Asande Mahlaba
- Categories: News, Opinion Pieces
Is it a question of shortness of memory on the part of financial institutions, or is it just a matter of the prospect of huge returns making risky investment decisions worthwhile? Whatever the motivation, the Archegos implosion has prompted regulators in the US, UK, Switzerland and Japan to investigate the risk controls of eight major banks including Credit Suisse, Nomura, Morgan Stanley, UBS, MUFG and Mizuho, who collectively suffered losses in excess of US$10 billion.
Measuring competition in banking
- November 3, 2021
- Posted by: Asande Mahlaba
- Categories: News, Publication, Reports
The most popular method of measuring competition in banking is the Herfindahl-Hirshman index that measures concentration as a proxy for competition. We examine 17 different mathematical models used to measure competition and begin framing the challenges that need to be considered to ensure that policy decisions, driven by competition concerns, will have the greatest positive impact on social welfare.
South African bank lending practices survey WP/2021/10
- October 19, 2021
- Posted by: Asande Mahlaba
- Categories: News, Publication, Reports
As at the end of March 2021, the total domestic assets of the South African banking industry were approximately R5 521 billion. This was about R25 billion lower than the total balance sheet of the banks in our previous Survey, at approximately R5 546 billion. The Survey in March 2020 recorded an extraordinary month-on-month increase of R258 billion. Month-on-month growth in total industry balance sheets since then have been negative for 6 out of the 12 months until March 2021.