Insights
Farmers face a very strong El Niño with margins already stretched thin
Farmers face a very strong El Niño with margins already stretched thin By André Wentzel, Sector Head for Agriculture South African agriculture contributes under 3% of GDP, yet it shapes food prices, rural employment and rural credit books well beyond that share. Contact Us Learn More A very strong El
Rethinking how businesses finance fleet vehicles
Built for the long, bumpy road: rethinking how businesses finance fleet vehicles By Raymond Schulz, Head of Fleet Solutions South African businesses are making fleet decisions under real pressure. Interest rates have kept financing expensive, current fuel costs are unpredictable, and margins are tight enough that every rand spent upfront
Living abroad and receiving a South African inheritance does not need to be a struggle
Living abroad and receiving a South African inheritance does not need to be a struggle By Brenden Maree, FX Sales Consultant Over the past 30 years, many South Africans have left our shores to build a life abroad. In doing so, some have gradually severed their ties with South African
The illusion of diversification: hidden concentration risk in JSE index trackers
The illusion of diversification: hidden concentration risk in JSE index trackers By Izak van Niekerk, Portfolio Manager Many South African investors assume that holding a low-cost JSE equity index tracker provides broad, safe diversification for their retirement savings. By holding the market, the logic makes you believe that you spread
Freight demand has outpaced the financing built to serve it
Freight demand has outpaced the financing built to serve it By Darren Steenkamp, Transport Sector Head Capital intensity is a defining characteristic of the transport sector. When operators secure new contracts or encounter growth opportunities, the investment required in trucks, trailers and working capital can exceed the capacity of any
Why working capital, not demand, is holding back South African businesses
Why working capital, not demand, is holding back South African businesses By Ricco Strydom, Head of Working Capital Solutions & Commercial Property Finance For many businesses, growth depends less on winning new orders and more on funding inventory and managing cash flow while supplier terms shift underneath them. Over the