A breakdown of how much Zimbabwean banks lend to individuals vs corporates featuring Steward Bank, CBZ, First Capital, FBC and others.
Would be interesting to see what regional peers look like as well eg. SA big banks. I know it may not be comparing apples to apples but 🤷🏿♂️
Compared with Standard Bank SA in the last article it was 51% with mortgage related loans and without 15%
Ahh fair enough, looks like standard bank is making coin from retail then, but at the same time retail defaults can come for you really quickly I imagine, with corporate you can bake in some tidy covenants to help shield from reckless mgmt teams.
Capitec probably better case study. I think their ratio would be much higher
Must mean they’ll have v wide spreads to account for that risk. Great piece my man, will keep an eye out for more.
Thanks!
Yeah they do very high. But works out in the end.
Would be interesting to see what regional peers look like as well eg. SA big banks. I know it may not be comparing apples to apples but 🤷🏿♂️
Compared with Standard Bank SA in the last article it was 51% with mortgage related loans and without 15%
Ahh fair enough, looks like standard bank is making coin from retail then, but at the same time retail defaults can come for you really quickly I imagine, with corporate you can bake in some tidy covenants to help shield from reckless mgmt teams.
Capitec probably better case study. I think their ratio would be much higher
Must mean they’ll have v wide spreads to account for that risk. Great piece my man, will keep an eye out for more.
Thanks!
Yeah they do very high. But works out in the end.