28 May 2013 The total assets of South Africa’s banks increased by 6.9% in 2012 as the sector “continued on a good growth trajectory while displaying increased signs of resilience”, the Reserve Bank said in its bank supervision report for 2012 on Monday. Gross loans and advances, making up around 74% of the banking sector’s assets, increased by 9.2% to R2 753-billion for the year to end December. According to the report, healthy levels of capitalisation and strong levels of liquidity were evidence of the resilience of South Africa’s banking system, whose average capital adequacy ratio, at 15.9%, was well above the minimum requirement of 9.5%. The average liquid assets held by the country’s banks expressed as a percentage of required liquid assets was 198.7% in December 2012, up from 193.5% in December 2011. “In addition to the improving levels of capital and liquidity, credit risk as the biggest risk area in the banking system has been declining and remained well managed,” the Reserve Bank said. “Total impaired advances declined 5.1% from R118.1-billion as at December 2011 to R112.1-billion as at December 2012.” The report also found that rates of growth in unsecured lending had begun to slow down, with total unsecured credit exposures – including revolving credit facilities and overdrafts – increasing by about 24% from R364-billion in March 2012 to R453-billion in March 2013. “Measured against the total banking assets of R3..6-trillion, banks’ exposure to unsecured loans does not pose a systemic risk to the stability of the banking system,” the Bank said. The report covered the transition from the Basel II to the Basel III framework, effective from January 2013, which revised banks’ capital and liquidity standards worldwide following the 2008-09 global financial crisis. South Africa is among the first 10 regulatory authorities to have implemented Basel III on schedule. SAinfo reporter
Get your sneak peek of episode nine of the Play Your Part television series, here:Lufefe Nomjana, known as the Spinach King, is one of the guests featured on episode nine of Play Your Part, broadcast on 4 November. (Image: Brand South Africa)Brand South Africa reporter Lufefe Nomjana was a volunteer at a community garden when he spotted a business opportunity. Using the vegetable spinach, he went on to build his company. He tells his story of how he became known as the Spinach King in this week’s Play Your Part.The episode, which is hosted by musician Kabelo Mabalane, airs on Saturday, 4 November 2017, at 18:00. It is part of a 26-episode series.Here’s more on the other two guests on this week’s episode:Avril SnymanAvril SnymanSnyman and her team talk about the growth of Lebone Village outside Bloemfontein. The village consists of five centres and benefits vulnerable children, youth and their families. Most of the children are affected by HIV and Aids.Matona Ntshona-SakupwanyaMatona Ntshona-SakupwanyaNtshona-Sakupwanya is the general manager of the marketing and communications department at The Innovation Hub, Gauteng’s innovation agency. She talks about how The Innovation Hub creates a platform to bring tech entrepreneurs, industry, academics, researchers and venture capitalists together.Play Your Part is broadcast at 18:00 on Saturdays on SABC 2.To get involved in playing your part in South Africa:Check out the conversation on Twitter: #GetInvolved; orFind out about initiatives on Play Your Part here.Tell us how you Play Your Part through our social media channels:Follow us on Twitter: @PlayYourPartSA;Follow Brand South Africa on Twitter: @Brand_SA;Like us on Facebook: Official Brand South Africa.Would you like to use this article in your publication or on your website? See Using Brand South Africa material.
Wasting your talents. You were born with some talent. You may not recognize your gift. Or you may have recognized your gift and set it aside because you didn’t believe your talent was enough. Your talent is a gift for you to use. If you believe it is a gift, then not using it would be to be ungrateful for what you have been given. It would also deprive the world of your talent and deprive it of a gift that only you can give. You don’t want to regret wasting your talents.Not making a contribution. You are here for a reason. You are here to make a difference, to make a contribution. You may not know what your purpose is right now. That just means your job is to figure that out. If you do know what your purpose is and what your contribution is supposed to be, that’s what you should be doing. Even if it’s not how you make a living. Don’t regret not doing what you were here to do.Not spending time with the people you love. Our work keeps us away from home and away from the ones we love. It’s tough to find the time to spend with the most important people in your hectic life. But ultimately, a lack of investment of time and emotional energy here is what you are likely to regret most of all. You can’t put a hold on time with the people whom you care about most. Your time is short, and no matter how much time you spend here, you will later wish it had been more. Double down and don’t regret not spending time with your people.Not forgiving or accepting forgiveness. Forgiveness is a gift you give yourself. At some point, you will understand that most of the times you believed that someone had wronged you, the other person was suffering far more than you suffered. They were also suffering a much deeper pain. Most of all, you will realize that you need forgiveness as much as anyone else, and you’ll hope that no one deprives you of that forgiveness. When they offer forgiveness, accept it.Living someone else’s life. There are plenty of people who are willing to tell you what your life should be based on what they believe their perfect life should be like. But their life belongs to them, and your life belongs to you alone. You will never be truly happy allowing someone else’s ideas, opinions, or expectations determine for you what your life should be. You will never regret living your own life, and making it 100% your own adventure.Not living fully. Life is made up of experiences. You get to decide what those experiences are. Living fully means using your talents and gifts, making your contribution, spending time with the people you love, forgiving and accepting forgiveness, and blazing your trail. Your life is yours to live fully. Do everything you want to do, and don’t regret a minute of it.