Balance Sheets (BA900)

Components of the BA900 Report

• Income Statement Data: Banks report their earnings, including interest income, non-interest income, operating expenses, and net profit or loss. This provides insights into the profitability and operational efficiency of the banks.

• Balance Sheet Information: The report includes detailed assets and liabilities, showing the bank’s financial position, capital adequacy, and liquidity status. It covers loans and advances, deposits from customers, interbank positions, and capital items.

• Risk Exposure: Banks must disclose their exposure to various risks, including credit risk, market risk, and operational risk. This helps in assessing the risk profile and stability of the banking sector.

• Liquidity Information: The BA900 requires banks to report on their liquidity positions to ensure they have sufficient liquid assets to meet their short-term obligations.

• Capital Adequacy: Details on the bank’s capital base, including Tier 1 and Tier 2 capital, are reported to assess the bank’s ability to withstand financial stress and maintain stability.

• Sectoral Exposures: Banks provide information on their lending and exposure to different sectors of the economy, which helps in assessing the credit distribution and potential sectoral risks.

Banks

• Total TOTAL
• Absa bank ltd 34118
• Access bank south africa limited 416134
• African bank limited n 160571
• Albaraka bank ltd 110728
• Bank of china ltd jhb branch t a bank of china jhb branc 337889
• Bank of communications co ltd johannesburg branch 172618
• Bank of taiwan south africa branch 148520
• Bank zero mutual bank 170534
• Bidvest bank limited 25070
• Bnp paribas south africa branch 478636
• Capitec bank 333107
• China construction bank corporation jhb branch 341037
• Citibank n a 165565
• Deutsche bank ag 333778
• Discovery bank limited 165271
• Finbond mutual bank 477745
• Firstrand bank limited 416053
• Gbs mutual bank 418072
• Goldman sachs international bank johannesburg branch 172286
• Grindrod bank 155438
• Habib overseas bank ltd 129593
• Hbz bank ltd 165816
• Hsbc bank plc johannesburg branch 535761
• Investec bank ltd 25054
• Ithala limited 329568
• Jpmorgan chase bank johannesburg branch 331899
• Nedbank ltd 416088
• Sasfin bank ltd 335487
• Standard chartered bank 535788
• State bank of india 170798
• The standard bank of s a ltd 416061
• Tyme bank limited 165239
• Vbs mutual bank 262293

Line Items

Assets at month end

Options

• Domestic assets 1
• Domestic assets: Of which: foreign currency 2
• Foreign assets 3
• Foreign assets: Of which: foreign currency 4
• TOTAL ASSETS (Domestic assets + Foreign assets) 5
• Of which: under repurchase agreements 6

Codes

• Central bank money and gold total of items 104 to 106 103
• South african bank notes and subsidiary coin 104
• Gold coin and bullion 105
• Domestic currency deposits with sa reserve bank total of items 107 to 109 106
• Cash reserve deposits interest bearing 107
• Cash reserve deposits non interest bearing 108
• Other deposits 109
• Deposits loans and advances total of items 111 117 118 126 135 139 150 166 171 and 180 less item 194 110
• Sa banksb total of items 112 and 116 111
• Nc ds p nsc issued by banks with an unexpired maturity of total of items 113 to 115 112
• Up to 1 month 113
• More than 1 month to 6 months 114
• More than 6 months 115
• Other deposits with and loans and advances to sa banksb 116
• Deposits with and loans and advances to foreign banks denominated in rand 117
• Loans granted under resale agreements to total of items 119 to 125 118
• Sa reserve bank 119
• Banksd 120
• Insurers 121
• Pension funds 122
• Other financial corporate sectorb 123
• Non financial corporate sector 124
• Other 125
• Foreign currency loans and advances total of items 127 to 130 133 and 134 126
• Foreign currency notes and coin 127
• Deposits with and advances to sa reserve bank 128
• Deposits with and advances to sa banksd 129
• Other advances to total of items 131 and 132 130
• Sa financial corporate sectorc 131
• Sa non financial corporate sector and other 132
• Deposits with and advances to foreign banks 133
• Other advances to foreign sector 134
• Redeemable preference shares issued by total items 136 to 138 135
• Banksd 136
• Financial corporate sectorc 137
• Non financial corporate sector and other 138
• Instalment debtors suspensive sales and leases total of items 140 and 145 139
• Instalment sales total of items 141 to 144 140
• Financial corporate sector 141
• Non financial corporate sector 142
• Household sector 143
• Otherb 144
• Leasing transactions total of items 146 to 149 145
• Financial corporate sector 146
• Non financial corporate sector 147
• Household sector 148
• Otherb 149
• Mortgage advances total of items 151 155 and 159 150
• Farm mortgages total of items 152 to 154 151
• Corporate sector 152
• Household sector 153
• Otherb 154
• Residential mortgages total of items 156 to 158 155
• Corporate sector 156
• Household sector 157
• Otherb 158
• Commercial and other mortgage advances total of items 160 to 165 159
• Public financial corporate sector 160
• Public non financial corporate sector 161
• Private financial corporate sector 162
• Private non financial corporate sector 163
• Household sector 164
• Otherb 165
• Credit card debtors total of items 167 to 170 166
• Financial corporate sector 167
• Non financial corporate sector 168
• Household sector 169
• Otherb 170
• Overdrafts loans and advances public sector total of items 172 to 179 171
• Central government of the republic excluding social security funds 172
• Social security funds 173
• Provincial governments 174
• Local government 175
• Land bank 176
• Other public financial corporate sector such as idc c 177
• Public non financial corporate sector such as transnet eskom and telkom 178
• Foreign public sector 179
• Overdrafts loans and advances private sector total of items 181 187 and 188 180
• Overdrafts including overdrafts under cash management schemes total of items 182 to 186 181
• Financial corporate sector 182
• Non financial corporate sector 183
• Unincorporated business enterprises of households 184
• Households 185
• Non profit organisations serving households 186
• Factoring debtors 187
• Other loans and advances total of items 189 to 193 188
• Financial corporate sector 189
• Non financial corporate sector 190
• Unincorporated business enterprises of households 191
• Households 192
• Non profit organisations serving households 193
• Less credit impairments in respect of loans and advances 194
• Investments and bills including trading portfolio assets total of items 196 207 213 217 221 225 229 233 237 241 and 246 less item 245 195
• Interest bearing central or provincial government securities total of items 197 198 and 203 to 206 196
• Non marketable government stock 197
• Marketable government stock total of item 199 and 201 198
• Unexpired maturity of up to 3 years 199
• Memo nominal value of such stock 200
• Unexpired maturity of more than 3 years 201
• Memo nominal value of such stock 202
• Government loan levies 203
• Securities of provincial governments 204
• Securities of social security funds 205
• Securities of other central government institutionse 206
• Other public sector interest bearing securities total of items 208 to 212 207
• Sa reserve bank debentures 208
• Securities including debentures issued by the land bank 209
• Securities issued by other public financial corporate sectorb such as idc dbsa 210
• Securities issued by public non financial corporate sector such as transnet and eskom 211
• Securities of local authorities 212
• Debentures and other interest bearing security investments of private sector total of items 214 to 216 213
• Banksd 214
• Financial corporate sectorc 215
• Non financial corporate sector and other 216
• Equity holdings in subsidiaries total of items 218 to 220 217
• Banksc 218
• Financial corporate sectorb 219
• Non financial corporate sector 220
• Equity holdings in associates including joint ventures total of items 222 to 224 221
• Banksc 222
• Financial corporate sectorb 223
• Non financial corporate sector 224
• Listed equities total of items 226 to 228 225
• Banksc 226
• Financial corporate sectorb 227
• Non financial corporate sector 228
• Unlisted equities total of items 230 to 232 229
• Banksc 230
• Financial corporate sectorb 231
• Non financial corporate sector 232
• Securitisation asset backed securities total of items 234 to 236 233
• Banksc 234
• Financial corporate sectorb 235
• Non financial corporate sector 236
• Derivative instruments issued by total of items 238 to 240 237
• Banksc and other monetary institutionsf 238
• Financial corporate sectorb 239
• Non financial corporate sector and other 240
• Other investments total of items 242 to 244 241
• Banksc 242
• Financial corporate sectorb 243
• Non financial corporate sector 244
• Less allowances for impairments i r o investments 245
• Acceptances commercial paper bills promissory notes and similar acknowledgements of debt discounted or purchased total of items 247 250 to 254 and 257 246
• Bankers acceptances total of items 248 and 249 247
• Own bankers acceptances 248
• Other bankers acceptances 249
• Treasury bills 250
• Sa reserve bank bills 251
• Promissory notes 252
• Commercial paper 253
• Land bank bills total of items 255 and 256 254
• Liquid 255
• Non liquid 256
• Other 257
• Non financial assets total of items 259 and 264 258
• Tangible assets total of items 260 to 263 259
• Premises of the bank 260
• Other fixed property 261
• Computer equipment including peripherals 262
• Other tangible assets including vehicles equipment furniture and fittings 263
• Intangible assets total of items 265 and 266 264
• Computer software 265
• Other intangible assets including purchased goodwill 266
• Other assets total of items 268 to 272 and 276 267
• Clients liabilities per contra total of items 280 to 283 268
• Remittances in transit 269
• Current income tax receivables and deferred income tax assets 270
• Retirement benefit assets 271
• Assets acquired or bought in to protect an advance or investment total of items 273 to 275 272
• Fixed property 273
• Shares 274
• Vehicles and other assets 275
• Other 276
• Total assets total of items 103 110 195 258 and 267 277
• Disaggregated exposures 278
• Details of client s liabilities per item 268 total of items 280 to 283 279
• Acceptances outstanding 280
• Commercial paper endorsed 281
• Bills endorsed 282
• Promissory notes and similar acknowledgements of debt endorsed 283
• Total assets prior to netting or set off 284

Contingent liabilities and other risk exposures

Options

• Total 1

Codes

• Guarantees on behalf of clients 285
• Letters of credit 286
• Bankers acceptances 287
• Committed undrawn facilities including unutilised draw down facilities 288
• Underwriting exposures including revolving underwriting exposures 289
• Credit derivative instuments 290
• Committed capital expenditure 291
• Operating lease commitments 292
• Other contingent liabilities 293
• Of which uncommitted undrawn facilities 294
• Portfolios managed for others where financing is provided 295

Equity at month end

Options

• TOTAL 1
• Of which: liabilities to the foreign sector 2
• Of which: in foreign currency (included in TOTAL) 3

Codes

• Total equity total of items 97 and 101 96
• Share capital total of items 98 to 100 97
• Banksb 98
• Financial corporate sectorc 99
• Non financial corporate sector and other 100
• Other reserves 101
• Total equity and liabilities total of items 95 and 96 102

Liabilities at month end

Options

• Cheque 1a
• Savings 2a
• Up to 1 day 3a
  
• More than 1 day to 1 month 4a
• More than 1 month to 6 months 5a
• More than 6 months 6a
• TOTAL 7a
• NCDs/PNs i 8a

Term

• Short-term 1
• Medium-term 2
• Long-term 3
• TOTAL 4
• Of which : in foreign currency 5

Codes

• Deposits total of items 2 and 32 1
• Deposits denominated in rand total of items 3 6 12 13 and 29 2
• Sa banksb total of items 4 and 5 3
• Nc ds p nsi 4
• Other deposits 5
• Central and provincial government sector depositsc total of items 7 10 and 11 6
• Central government of the republic total of items 8 and 9 7
• Tax and loan account 8
• Other 9
• Provincial governments 10
• Social security funds 11
• Other monetary institutionsh 12
• Other domestic parties total of items 14 to 20 25 26 27 and 28 13
• Local government 14
• Public financial corporate sectord such as idc dbsa 15
• Public investment corporation pic 16
• Public non financial corporate sector such as transnet eskom and telkom 17
• Insurersf 18
• Pension funds 19
• Private financial corporate sectore total of items 21 to 24 20
• Money market unit trusts 21
• Other unit trusts 22
• Fund managers 23
• Otherg 24
• Private non financial corporate sector 25
• Unincorporated business enterprises 26
• Households 27
• Non profit organisations serving households and other 28
• Foreign sector total of items 30 and 31 29
• Banks including foreign group funding 30
• Other non residents 31
• Deposits denominated in foreign currency total of items 33 to 38 32
• Sa banksb 33
• Sa central and provincial government 34
• Sa household sector 35
• Sa financial corporate sectorc 36
• Sa non financial corporate sector and otherd 37
• Foreign sector total of items 39 and 40 38
• Banks 39
• Other non residents 40
• Other borrowed funds total of items 42 51 and 57 41
• Loans received under repurchase transactions total of items 43 to 50 42
• Sa reserve bank and corporation for public deposits 43
• Sa banksb 44
• Insurersg 45
• Pension funds 46
• Other financial corporate sectorc 47
• Non financial corporate sector 48
• Foreign sector 49
• Other 50
• Collateralised borrowing total of items 52 to 56 51
• Sa banksb 52
• Financial corporate sectore 53
• Non financial corporate sector 54
• Foreign sector 55
• Other 56
• Otherf 57
• Foreign currency funding total of items 59 to 63 and 66 58
• Sa reserve bank and corporation for public deposits 59
• Sa banksb 60
• Sa financial corporate sectord 61
• Sa non financial corporate sector 62
• Foreign sector other foreign funding 63
• Original maturity of one year and less 64
• Original maturity of more than one year 65
• Other 66
• Other liabilities to the public total of items 68 73 74 and 77 67
• Debt securities total of items 69 to 72 68
• Sa banksb 69
• Financial corporate sectorc 70
• Non financial corporate sector and other 71
• Foreign sector 72
• Credits in transit 73
• Other total of items 75 and 76 74
• Financial corporate sector 75
• Non financial corporate sector and other 76
• Foreign sector 77
• Total liabilities to the public total of items 1 41 58 and 67 78
• Outstanding liabilities on behalf of clients per contra item 268 79
• Other liabilities total of items 81 85 86 90 91 and 94 80
• Liabilities i r o derivative instruments to domestic sector total of items 82 to 84 81
• Sa banksb and other monetary institutionsd 82
• Financial corporate sectorc 83
• Non financial corporate sector and other 84
• Liabilities i r o derivative instruments to foreign sector 85
• Other trading liabilities excluding derivatives to domestic sector total of items 87 to 89 86
• Sa banksb 87
• Financial corporate sectorc 88
• Non financial corporate sector and other 89
• Other trading liabilities excluding derivatives to foreign sector 90
• Other liabilities to domestic sector total of items 92 and 93 91
• Tax current and deferred 92
• Other 93
• Other liabilities to foreign sector 94
• Total liabilities total of items 78 to 80 95

Reverse transaction assets assets lent to other parties in terms of a securities lending agreement

Options

• Total lent to other parties
  
• Of which: on-lent

Codes

• Total assets lent total of items 378 381 and 382 377
• Equity instruments total of items 379 and 380 378
• Domestic sector sa residents 379
• Foreign sector non residents 380
• Rsa government securities 381
• Other securities total of items 383 and 384 382
• Domestic sector sa residents 383
• Foreign sector non residents 384

Reverse transaction assets assets temporarily acquired

Options

• Total acquired
• Sold outright
• Sold under repo
  
• On-lent
• Pledged as security
  
• Other (in hand)

Codes

• Total assets temporarily acquired total of items 352 and 369 351
• Under loans granted under resale agreements total of items 353 356 359 and 366 352
• Listed equity instruments total of items 354 and 355 353
• Domestic sa residents 354
• Foreign non residents 355
• Unlisted equity instruments total of items 357 and 358 356
• Domestic sa residents 357
• Foreign non residents 358
• Debt securities total of items 360 and 365 359
• Domestic sa residents total of items 361 to 364 360
• Banks 361
• Rsa government 362
• Public financial and non financial corporate sector 363
• Other 364
• Foreign non residents 365
• Other securities total of items 367 and 368 366
• Domestic sa residents 367
• Foreign non residents 368
• Under securities borrowing agreements total of items 370 373 and 374 369
• Equity instruments total of items 371 and 372 370
• Domestic sa residents 371
• Foreign non residents 372
• Rsa government securities 373
• Other securities total of items 375 and 376 374
• Domestic sa residents 375
• Foreign non residents 376

Securitisation activity as originator

Options

• New securitisation during the month
• Outstanding balance i.r.o. securitisation

Codes

• Private sector total of item 344 to 348 343
• Mortgages 344
• Instalment sales and leasing transactions 345
• Foreign currency loans 346
• Credit cards and overdrafts 347
• Other 348
• Public sector total item 350 349
• Loans and advancesd 350