IMF FAS Survei akses finansial (FAS)

KategoriIMF FAS Survei akses finansial (FAS)28
Nagara utawa tlatahAfrika KidulZAF
Indikator fiskalAnjungan tunai mandiri (ATM) ing kabèh nagaraFA19
FrekuènsiTaunanA
IndikatorAnjungan tunai mandiri (ATM) ing kabèh nagaraFA19
Kuesionèr metadata 11. Larik 14: cacah bank komersial berkurang amarga pencabutan pendaftaran siji bank, déné bank kedua bergabung kanthi bank liya. 2. Larik 15: cacah lembaga finansial koperasi (CFI) berkurang telu amarga pencabutan pendaftaran telu lembaga; siji bank koperasi akan mendaftar minangka bank mutual, lan siji lembaga ora menyampaikan data kanggo mangsa palaporan. 3. Larik 19: cacah perusahaan asuransi menurun saka 159 ing 2023 dadi 155 ing 2024 amarga papat perusahaan asuransi mencabut pendaftarannya ing 2024. 4. Larik 22: kantor cabang bank komersial mundhak saka 3 745 ing 2023 dadi 3755 ing 2024 amarga pembukaan kantor cabang déning bank paling gedhé ing nagara iki saka segi cacah. 5. Larik 25: cacah kantor cabang lembaga sing nampa simpenan liyané terus menurun saka 851 ing 2023 dadi 855 amarga penutupan, sebab siji lembaga beralih menyang digital sawisé sadurungé nganggo kantor pos minangka cabang. Kantor Pos ngurangi cacah kantor cabangnya kanthi substansial sajroning 2024. 6. Larik 28: gerai agen ritel noncabang bank komersial mundhak cacahé 2 saka 4 ing 2023 dadi 6 ing 2024 amarga cabang bank manca sing lumaku ing nagara iki memperluas jangkauannya. 7. Larik 31: cacah anjungan tunai mandiri (ATM) menurun saka 21 856 ing 2023 dadi 21 804 ing 2024 amarga penutupan kantor cabang bank mengakibatkan panarikan ATM. 8. Larik 43 yaiku tambahan anyar; kita saiki memasukkan cacah wong sing nyimpen dana sektor rumah tangga ing lembaga finansial koperasi (CFI) wiwit 2008. 9. Larik 53 a. Cacah rekening simpenan ing bank komersial mundhak saka 12 067 872 ing 2023 dadi 127 328 559 amarga meningkatnya panggunaan rekening transaksi layanan bank lan rekening investasi lan tabungan. 10. Larik 58: cacah rekening simpenan koperasi kredit lan koperasi simpan pinjam menurun cacahé 4 335 saka 2023 nganti 2024 amarga pangurangan lembaga CFI; keanggotaan siji bank koperasi sedang dievaluasi manèh mula ora dilebokaké ing data 2024. 11. Larik 65 nganti 68 diisi data kanggo pertama kali ing 2020 amarga kita bisa mengumpulkan data polis asuransi saka pengatur kehati-hatian (sing didirikan ing 2018). Kita saiki bisa nglapuraké data iki sing sadurungé ora bisa diakses. a. Kenaikan cacahé 4 002 170 lan 4 067 172 kanggo larik 65 lan 66, lan pangurangan 65 002 67, saben, disebabaké déning kenaikan 7% cacah polis asuransi jiwa. Owah-owahan didorong déning paningkatan ing asuransi jiwa nanging diimbangi déning owah-owahan asuransi nonjiwa sing menurun dibandhing taun sadurungé. Alasan kenaikan iki mungkin yaiku kondisi makroekonomi sing negatif ing nagara iki ing 2024. 12. Larik 88 a. Cacah rekening silihan (kanggo bank komersial) dipengaruhi déning penerapan IFRS 9 sing uga memperkenalkan kawicaksanan penghapusbukuan anyar cocog baku palaporan. Sadurungé penerapan IFRS 9 ing 2018, silihan dihapusbukukan luwih wiwitan (ketika menunggak luwih saka 90 dina utawa duwé status hukum). Adhedhasar IFRS 9, silihan tetep berada ing neraca lan anyar dihapusbukukan ketika kurang saka 5% saldo sing isih sing kudu dibayar dikira-kira bisa dipulihkan. b. Larik 88: cacah rekening silihan ing bank komersial mundhak saka 25 450 305 dadi 27 027 665 ing 2024, menghasilkan kenaikan 1 577 360. Bab iki disebabaké déning paningkatan panjaluk kredit sing terus mundhak ing 2024, meskipun tingkat bunga bertahan dhuwur luwih suwene. Keadaan kasebut mengikis daya tuku nasabah lan menyebabkan paningkatan cacah rekening silihan. 13. Kita memasukkan tambahan anyar cacah kertu wiwit 2012; nanging, kita mung bisa nyedhiyakaké data kanthi jeda siji taun kanggo pos larik 105 lan 106 ing survéi. 14. Data silihan sing isih sing kudu dibayar (larik 111) kanggo bank komersial disajèkaké manèh wiwit 2022, mundhak saka 3 067 408 dadi 3 068 064 sawisé pangaturan gegandhèngan audit déning sawetara bank gedhé. 15. Larik 111 gegandhèngan saldo simpenan: gunggung saldo simpenan bank komersial mundhak cacahé R315 715 yuta ing 2024, déné simpenan rumah tangga mundhak cacahé R127 710 yuta. Bab iki sapérangan nggambarake penawaran produk sing semakin beragam déning bank marang nasabah kanggo menarik simpenan ing kondisi tingkat bunga sing luwih dhuwur ing Afrika Kidul sajroning 2024, lan paningkatan cacah nasabah sing tersebar ing berbagai bank. 16. Paningkatan cacahé 170 ing larik 116 disebabaké déning paningkatan gunggung simpenan tabungan sing didorong kenaikan simpenan anggota. 17. Larik 123 mundhak cacahé 862 saka 2023 nganti 2024 amarga paningkatan usaha lembaga sing nampa simpenan liyané. 18. Saldo simpenan perusahaan asuransi a. Paningkatan larik 125 disebabaké déning alasan ing ngisor iki: b. Larik 126 mundhak cacahé 429 861; lan c. Larik 127 mundhak saka 2023 nganti 2024 amarga perbaikan cakupan perusahaan asuransi nonjiwa, gegandhèngan kenaikan 12% dibandhing taun sadurungé sing didorong owah-owahan hak marang asuransi jiwa lan anuitas ing larik 126. Paningkatan bergerak sejalan kanthi pengalaman tagihan sadawané taun mula bathi sing diakui ing pungkasan taun luwih asor. Larik 127 diatur kanggo memasukkan neraca perusahaan asuransi primèr, kaptif sel, kaptif, reasuransi, lan asuransi gandhèngan; inilah alasan angka direvisi luwih dhuwur. 19. Aset: silihan sing isih sing kudu dibayar a. Larik 130 ing 2021 disajèkaké manèh cacahé 649 saka 3 758 501 dadi 3 759 150 amarga pangaturan audit; kenaikan iki mengakibatkan paningkatan ing 2023. Paningkatan cacahé 197 443 ing 2024 disebabaké déning kenaikan silihan ritel lan silihan marang perusahaan ing 2024 nalika ékonomi manèh nindakaké kagiyatan produktif kanggo taun ketiga wiwit COVID-19. b. Larik 132 disajèkaké manèh naik cacahé 4 769 saka 2 140 093 dadi 2 144 862 amarga pangaturan audit; bab iki menyebabkan kenaikan cacahé 94 249 déning rumah tangga amarga paningkatan pendanaan silihan hipotek lan kredit panyadéan angsuran ing 2024. c. Larik 135 mundhak cacahé 56 ing 2024 amarga paningkatan silihan jangka dawa «pendanaan omah», sing uga didukung paningkatan keanggotaan siji bank koperasi gedhé. d. Larik 142: pangurangan lembaga sing nampa simpenan liyané cacahé 1 926 disebabaké déning tindakan sengaja suatu lembaga pembangunan kanggo ngurangi portofolionya agar sabanjuré mung berfokus ing pendanaan pembangunan. Bab iki ditargetkan tercapai ing pungkasan taun finansial 2025. e. Larik 144 nganti 145 saben mundhak cacahé 386 lan 3224 amarga silihan jangka dawa sing disalurkan déning panyedhiya layanan finansial ritel. Sapérangan gedhé silihan iki ora beragunan. f. Larik 145 kanggo 2022 disajèkaké manèh kanggo nggambarake asil audit sawisé penyampaian FAS. 20. Kita memasukkan tambahan anyar cacah kertu wiwit 2012; nanging, kita mung bisa nyedhiyakaké data kanthi jeda siji taun kanggo pos larik 149 lan 150 ing survéi. 21. Larik 153 nganti 159. Ana mangsa telu taun ketika dhuwit seluler ora disedhiyakaké amarga operator menghentikan operasi akibat layanan ora nguntungaké. Nanging, loro panyedhiya layanan dhuwit seluler anyar meluncurkan produknya ing 2019 lan wiwit nyedhiyakaké data wiwit 2020. a. Ing Afrika Kidul, panyedhiya layanan dhuwit seluler diwajibkan bermitra kanthi lembaga layanan bank. Kanggo palaporan 2023, kita memasukkan siji panyedhiya layanan tambahan mula duwé data saka telu panyedhiya operator jaringan seluler (MNO) sing béda kanggo 2023. Kita wis mengajukan pertanyaan marang panyedhiya dhuwit seluler kanggo 2024 lan sedang meminta penjelasan lanjutan bab data wiwit 2022. 1. Line 14 number of commercial banks reduced due to deregistration of one bank, while a second bank merged with another bank. 2. Line 15 number of Cooperative Financial Institutions (CFI) decreased by three, due to deregistration of three institutions, one corporative bank will be registering as a mutual bank, and one did not submit data for the reporting period. 3. Line 19 number of insurance corporations declined from 159 in 2023 to 155 in 2024, due to four insures deregistering in 2024. 4. Line 22 branches of commercial banks increased from 3 745 in 2023 to 3755 in 2024 because of opening of bank branches by the biggest bank in the country in terms of numbers. 5. Line 25 number of branches other deposit takers continued to decline from 851 in 2023 to 855 due to closure as one institution has gone digital which previously utilised post office as branches. The Post Office substantially reduced their number of branches during 2024. 6. Line 28 non-branch retail agent outlets of commercial banks increased by 2 from 4 in 2023 to 6 in 2024 due to a foreign branch of a bank operating in the country increasing their footprint. 7. Line 31 Number of Automated Teller Machines (ATMs) declined from 21 856 in 2023 to 21 804 in 2024, as bank branch closures resulted in removals of ATMs. 8. Line 43 is a new addition where we have now included number of household sector depositors t Corporative Financial Institutions (CFI’s) since 2008. 9. Line 53 a. The increase in the number of deposit accounts at commercial banks increased from 12 067 872 in 2023 to 127 328 559 due to increased uptake of transactional banking accounts and investment and savings accounts. 10. Line 58 number of deposit accounts of credit unions and credit cooperatives decreased by 4 335 from 2023 to 2024 due to a decline in CFI institution(s) with membership for one Co-operative bank being and revaluated it was not included in the data for 2024. 11. Line 65 to 68 was populated with data for the first time in 2020 as we were able to collect data on insurance policies from the Prudential regulator (which was established in 2018). We are now able to report this data, which was not previously accessible. a. Increases of 4 002 170, 4 067 172 for line 65, 66 and a decline of 65 002 67 respectively due to a 7% increase in the number of life insurance policies. The movement is driven by the uptick in the life insurance space but was offset by the non-life insurance movement which decreased year-on-year. Reason for this increase could be the negative macro-economic environment in the country in 2024. 12. Line 88 a. Number of loan accounts (for commercial banks) was affected by implementation of IFRS 9, which also introduced a new write off policy in line with the reporting standard. Prior to the implementation of IFRS 9 in 2018 loans were written off earlier (when more than 90 days in arrears or with a legal status). Under IFRS 9, loans remain on balance sheet and are only written off when less than 5% of the outstanding balance is expected to be recovered. b. Line 88 Number of Loan Accounts in commercial banks increased from 25 450 305 to 27 027 665 in 2024 resulting in an increase of 1 577 360. Due to increase in demand for credit which continued to increase in 2024, even as interest rates stayed higher for longer. This has eroded clients purchasing power and this has led to an increase in the number of loan accounts. 13. We have included new additions on number of cards from 2012; however, we can only provide data with a lag of one year for line items 105 and 106 of the survey. 14. The data on outstanding loans (line 111) for commercial banks was restated from 2022 increasing from 3 067 408 to 3 068 064, following audit related adjustments made by some major banks. 15. Line 111 related to Outstanding Deposits: The total outstanding balance of deposits for commercial banks increased by R315 715 million in 2024, while that of households’ deposits increased by R127 710 million. This partly reflected increased diverse product offering by banks to customers to attract deposits in the higher interest rate environment in South Africa during 2024 and increase in number of customers widespread across banks. 16. The increase in line 116 of 170, was due to an increase in total savings deposits, driven by the increase in membership deposits. 17. Line 123 increased by 862 from 2023 to 2024 due to more business from other deposit takers. 18. Outstanding deposits of insurance corporations a. Line 125 increase was due to the following reasons below: b. Line 126 increasing by 429 861; and c. Line 127 increased since 2023 to 2024 due to improved coverage of non-life insurers related to a 12% increase year-on-year driven by the movement in the Life insurance and annuities entitlements line 126. The increase moved in line with the claims experience through the year resulting in lower profit recognised at year end. Line 127 was adjusted to include balance sheets of primary, cell captive, captive, reinsurers and composite insurers that is reason figures Revised higher. 19. Assets: Outstanding loans a. Line 130 in 2021 were restated by 649 from 3 758 501 to 3 759 150 due to audit adjustments, this increase led to an increase in 2023. Increase in 2024 of 197 443 was due to an increase in retail loans and loans to corporates in 2024 as the economy returned to productive activities for the third year since COVID-19. b. Line 132 increased were restated by 4 769 from of 2 140 093 to 2 144 862 due to audit adjustments, this led to an increase of 94 249 by households due to increase in loan funding for mortgages and instalment sale credit in 2024. c. Line 135 increased by 56 in 2024 due to increases in long term loans “housing finance” that was also supported by increase in membership of one large Co-operative bank. d. Line 142 decrease in other deposit takers of 1 926 was due to the deliberate action of a development institution to reduce its book to focus only on development finance going forward. This is to be attained by end of the 2025 financial year. e. Line 144 to 145 both increased by 386 and 3224 respectively due to long-term loans extended by retail financial services. Majority of these loans are unsecured. f. Line 145 for 2022 was restated reflecting audit outcomes after submission of the FAS. 20. We have included new additions on number of cards from 2012; however, we can only provide data with a lag of one year for line items 149 and 150 of the survey. 21. Line 153 to 159. There was a period of three years where mobile money was not provided when operators seized their operations due to the service not being profitable. However, two new providers of mobile money services launched their products in 2019 and started providing data from 2020 going forward. a. Kindly note that in South Africa mobile money service providers are required to partner with a banking institution. For 2023 reporting we have included an additional service provider which means have the data from three different mobile network operators (MNO) providers for 2023. We have queried he 2024 mobile money providers, we are seeking a further clarification from them on data going back to 2022.
Kuesionèr metadata 21. Kita menyelaraskan mangsa rujukan data agar padha kanggo kabèh sumber; data sing disedhiyakaké ing FAS 2023 yaiku saben Desember 2023. 2. Lembaga sing nampa simpenan liyané nyakup kabèh lembaga finansial sing tersisa saliyané bank sentral, bank komersial, koperasi kredit lan koperasi simpan pinjam, lan lembaga finansial mikro sing nampa simpenan, sing nampa simpenan utawa medharaké jinis kewajiban liya sing kalebu ing definisi nasional dhuwit sumebar amba. Nama lembaga-lembaga iki béda antaranagara, kaya asosiasi simpan pinjam, lembaga simpan pinjam omah, bank perdesaan lan bank tetanèn, lembaga giro kantor pos, bank tabungan kantor pos, bank tabungan, lan reksa dana pasar dhuwit. 3. Data bank mutual dilebokaké minangka pérangan saka bank komersial amarga kanthi historis tujuan Mutual Banks Act yaiku memberlakukan prinsip akuntabilitas lan manajemen risiko sing padha marang bank mutual kaya bank komersial, kanthi perbedaan mung ing sifat modal lan persyaratan modal minimum sing lumaku kanggo bank mutual. 4. Data sing disedhiyakaké kanggo koperasi kredit lan koperasi finansial terdiri marang lembaga finansial koperasi lan bank koperasi sing kadhaptar ing bank sentral. Data cacah wong sing nyimpen dana kanggo bank komersial lan lembaga sing nampa simpenan liyané dialokasikaké menyang cacah rekening simpenan amarga kanthi mirunggan ngrujuk ing pos iki. Angka dana sing diéntukaké MFI dudu sing nampa simpenan ngrujuk ing silihan (dudu simpenan) sing ditampa lembaga-lembaga iki, sing yaiku pérangan saka kewajiban. Data bank koperasi kasedhiya saben November 2024, dudu Desember 2024. 5. Cacah wong sing nyimpen dana ora kasedhiya. Nanging, cacah rekening simpenan disedhiyakaké. Ora kasedhiya data terpilah bab cacah wong sing nyimpen dana lan wong sing nyilih ing bank komersial. Data nggambarake gunggung cacah nasabah, yaitu agregat kabèh nasabah ritel, nasabah grosir, nasabah perusahaan, lan lembaga hukum sing duwé rekening simpenan lan/utawa silihan ing bank komersial lan bank mutual. 6. Afrika Kidul ora duwé lembaga finansial mikro sing nampa simpenan. 7. Cacah rekening silihan ing bank komersial anyar disurvei wiwit 2012. 8. Data koperasi kredit lan koperasi finansial kasedhiya wiwit 2010 sawisé owah-owahan undhang-undhang gegandhèngan entitas iki déning pamaréntah Afrika Kidul lan pambentukan lembaga pengawas sing terdiri marang bank sentral lan Kementerian Finansial. 9. Pamaréntah lokal dilebokaké minangka pérangan saka perusahaan nonfinansial. 10. Golongan «ing antarané rumah tangga» nyakup sektor rumah tangga; usaha rumah tangga ora berbadan hukum lan organisasi nirlaba sing nglayani rumah tangga. 11. Sektor manca nagara ora dilebokaké ing silihan lan dhuwit muka sing diwènèhaké. 12. Data cacah kertu kredit lan debit saiki kasedhiya kanthi jeda siji taun. 13. Perusahaan asuransi sing dilapuraké ing survéi FAS mung nyakup lembaga kanthi aset luwih gedhé saka R300 yuta. 1. We have aligned our data reference period to be the same from all our sources which the data provided on 2023 FAS is as of December 2023. 2. Other deposit takers include all remaining financial institutions other than the central bank, commercial banks, credit unions and credit cooperatives, and deposit taking microfinance institutions, which accept deposits or issue other types of liabilities that are included in the national definition of broad money. These institutions have varying names across countries, such as savings and loan associations, building societies, rural banks and agricultural banks, post office giro institutions, post office savings banks, savings banks, and money market funds. 3. Mutual banks data are included as part of commercial banks as historically, the aim of the Mutual Banks Act was to subject mutual banks to the same principles of accountability and risk management as commercial banks and only to differ from them in respect of the nature of capital and the minimum capital requirements applicable to mutual banks.” 4. Data provided for credit unions and financial cooperatives consist of cooperative financial institutions and cooperative banks registered at the central bank. Data on the number of depositors for commercial banks and other deposit takers was allocated to number of deposit accounts since it referred specifically to this item. The figures reported for acquired funds of non-deposit taking MFIs refer to loans (and not deposits) received by these institutions, which forms part of liabilities. Cooperative banks data is available as of November 2024 not December 2024. 5. The number of depositors is not available. However, the number of deposit accounts is provided. There are no disaggregated data available on the number of depositors and borrowers with commercial banks. The data reflects the total number of customers, which is the aggregate number of all retail customers, wholesale customers, corporate customers and legal entities that hold deposit and/or loan accounts with commercial banks and mutual banks. 6. South Africa has no deposit-taking microfinance institutions. 7. The number of loan accounts with commercial banks were only surveyed from 2012. 8. Data on credit unions and financial cooperatives are available from 2010 after amendments of the legislation relating to these entities by the South African government and the creation of a supervisory body consisting of the Central Bank and the Ministry of Finance. 9. Local governments are included as part of non-financial corporations. 10. The category ‘of which households’ includes the household sector; unincorporated business enterprises of households and non-profit organizations serving households. 11. The foreign sector is excluded from loans and advances extended. 12. Data for number of credit and debit cards is currently now available with a year lag. 13. The insurance corporations reported on the FAS survey include only those institutions with assets greater than R300 million.
Jinis owah-owahanCacahNUM
SatuanCacahNUM
SkalaSatuan0
Periode2004 - 2025
PamaréntahanDurung dipilih
Kahanan ékonomiDurung dipilih
PerangDurung dipilih
Bebaya alamDurung dipilih
PandhemiDurung dipilih
Kedadéan/kacilakanDurung dipilih
URL sumber datahttps://data.imf.org/en/datasets/IMF.STA%3AFAS