South Africa: Finance and Banking

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Finance law and banking law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics such as capital adequacy, BASEL, acquisition finance, debt capital markets, fund finance, islamic finance, securitization and structured finance.

May The Markets Be Ever In Your Favour: Is South Africa's Debt Market Becoming More Exclusive?

In 1994, as South Africa transitioned into its new democratic era, the South African Reserve Bank (the “SARB”) issued the Commercial Paper Exemption Notice, 1994 (the “CP Exemption Notice”), a regulatory framework...

South Africa Finance

E

ENS

Blocking The Spam 16 Years In The Making

On 15 April 2026, the Minister of Trade, Industry and Competition, Mr Mpho Parks Tau MP, gazetted the Consumer Protection Act Amendment Regulations, 2026...

South Africa Finance

E

ENS

Tough Transition? How The Bond Market Should Prepare For JIBAR Cessation

The transition from the Johannesburg Interbank Average Rate (“JIBAR”) to the South African Rand Overnight Index Average (“ZARONIA”) is now firmly underway, presenting participants in the bond market...

South Africa Finance

E

ENS

When Enforcement Overreaches: What A Recent FICA Judgment Means For Sanctions

ENSafrica's latest legal briefing covers critical developments across African jurisdictions, from Uganda's proposed withholding tax on foreign debt to South Africa's rail reform revolution and the landmark COFI legislation heading to Parliament. The collection examines regulatory enforcement limits, investment law changes in Ghana, and emerging risks in AI-generated code deployment.

South Africa Finance

E

ENS

COFI Heads To Parliament: A New Era For Financial Conduct Regulation

South Africa Finance

E

ENS

On The Right Track: South Africa’s Rail Reform Revolution

South Africa Finance

E

ENS

How South Africa’s Credit Guarantee Vehicle Can Rewire Bank Capital

South Africa Finance

E

ENS

From Ponzi Schemes To Draft PCC5E: Keeping Up With The KYC Compliance Requirements

South Africa Finance

E

ENS

New Rules For The Pension Funds Adjudicator: What You Need To Know

South Africa Finance

E

ENS

Cross-border Control Of South African Banks: Why Deals Succeed, Why They Stall And How To Get Them Over The Line

South Africa Finance

E

ENS

South Africa's New Regulatory Framework For Alternative Remittance Providers: What Businesses Need To Know

South Africa Finance

E

ENS

Who May Challenge An FSCA Decision? Practical Lessons On Locus Standi From Banxso Case

South Africa Finance

AA

Adams & Adams

Location, Location, Compliance: Inside The FIC's Draft Directive 10

South Africa Finance

E

ENS

Africa's Digital Future: Insights On Data Centre Investment

South Africa Finance

KL

Herbert Smith Freehills Kramer LLP

COFI Heads To Parliament: A New Era For Financial Conduct Regulation

South Africa Finance

E

ENS

AI In Africa: Regulations Are Catching Up And The Courts Are Already There

South Africa Technology

AA

Adams & Adams

Jo Malone – When You Are Sued For Using Your Own Name

South Africa IP

E

ENS

Pausing An Execution To Protect Your Business Operations

South Africa Commercial

BI

Barnard Inc.

From Grey To Black And White: South Africa’s Crypto Asset Regulatory Shift

South Africa Technology

E

ENS

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Capital Adequacy/BASEL

How South Africa’s Credit Guarantee Vehicle Can Rewire Bank Capital

When Ethiopia began filling the Grand Ethiopian Renaissance Dam in 2020, it was not merely generating hydroelectric power; it was redirecting a continental resource to transform its economic future.

South Africa Finance

E

ENS

The FSCA Ushers In A New Era For Pension Fund Administrators After 23 Years

The Financial Sector Conduct Authority (FSCA) has published Conduct Standard 2 of 2025 (the 2025 Standard), setting out reformed conditions for pension fund benefit administrators under section 13B(1) of the Pension Funds Act, 1956.

South Africa Finance

WW

Webber Wentzel

Following the 2007 – 2009 financial crisis, it became evident globally that there were weaknesses in the financial regulation of commercial banks, specifically in relation to the liquidity...

South Africa Finance

E

ENS

The Effect Of Basel IV On Commitment Fees

South Africa Finance

E

ENS

South African SIFI Banks And Holding Companies Are Required To Issue Flac (Unsecured Debt) Instruments For Resolution Readiness

South Africa Finance

E

ENS

Long Awaited OTC Margin Rules Are Now Final

South Africa Finance

E

ENS

Will The End Of (L)IBOR Be Delayed?

South Africa Finance

E

ENS

South Africa Newsletter - January Edition

Worldwide Strategy

D

Dentons

2013 Global Construction Survey - Ready For The Next Big Wave?

South Africa Real Estate

KS

KPMG, South Africa

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Debt Capital Markets

May The Markets Be Ever In Your Favour: Is South Africa's Debt Market Becoming More Exclusive?

In 1994, as South Africa transitioned into its new democratic era, the South African Reserve Bank (the “SARB”) issued the Commercial Paper Exemption Notice, 1994 (the “CP Exemption Notice”), a regulatory framework...

South Africa Finance

E

ENS

Guarantee Or Suretyship?

Commercial agreements often include supporting obligations intended to improve a creditor’s prospects of recovery if the principal debtor defaults. These may be described as guarantees, suretyships, undertakings...

South Africa Commercial

FW

Fairbridges

Draft Payments Industry Documents Published For Public Comment

In meeting its policy commitments and addressing the regulatory amendments required to implement the Payments Ecosystem Modernisation (PEM) Programme, the South African Reserve Bank (SARB) published two draft documents for public comment.

South Africa Finance

WW

Webber Wentzel

Banks Can Breathe A Sigh Of Relief, As Pretoria High Court Declines To Extend Delictual Liability For Pure Economic Loss

South Africa Finance

E

ENS

Are On-the-road Fees Permissible As Charges In Credit Agreements?

South Africa Finance

E

ENS

Too Big To Ignore: Rethinking SIFI Designation In South Africa's Financial Landscape

South Africa Finance

E

ENS

Debt Collection For South Africa's Booming Car Subscription Sector

South Africa Finance

BI

Barnard Inc.

Standard Bank Of South Africa Limited v KPMM Road And Earthworks (PTY) Ltd: High Court Reafirms The Strength Of Guarantees Post-Business Rescue

South Africa Finance

AA

Adams & Adams

Prescription And Constructive Knowledge: Key Principles From A Recent Supreme Court Of Appeal Decision

South Africa Finance

AA

Adams & Adams

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Charges, Mortgages, Indemnities

When A Debtor Dies, Can You Still Recover The Debt?

The death of an entrepreneur can turn an already difficult recovery matter into something far more complicated. On paper, a lender or development fund may still have clear rights.

South Africa Insolvency

FW

Fairbridges

Buying Property In South Africa While Living Abroad: How Exchange Control Shapes Your Mortgage

If you are living outside South Africa and buying a home here, your bond (mortgage / home loan) will almost always include exchange control conditions.

South Africa Immigration

FW

Fairbridges

Bond Cancellation Process

Settling the balance is not the finish line; the bond must be cancelled before you transfer or refinance. We handle notice, figures, and lodgement so the mortgage falls away on cue.

South Africa Finance

FW

Fairbridges

The Proper Placement Of Interest Rate Clauses In Lending Documents: Balancing Clarity, Compliance, And Borrower Protections

South Africa Finance

E

ENS

The Effect Of Different Matrimonial Regimes And Foreign Marriages On The Conveyancing Process

South Africa Real Estate

FW

Fairbridges

A Tale Of Patios And Paperwork – Extending A Sectional Title 'Section'

South Africa Commercial

FW

Fairbridges

The Excipiability Of Unsigned Home Loan Agreements

South Africa Litigation

E

ENS

The Risks Of Not Stating That A Debt Is Secured By The Registration Of A Mortgage Bond

South Africa Finance

E

ENS

Balancing The Rights Of Lenders And Commercial Property Owners When A Dispute Regarding Payment Of Municipal Charges Arise

South Africa Finance

F

Fasken

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Financial Services

May The Markets Be Ever In Your Favour: Is South Africa's Debt Market Becoming More Exclusive?

In 1994, as South Africa transitioned into its new democratic era, the South African Reserve Bank (the “SARB”) issued the Commercial Paper Exemption Notice, 1994 (the “CP Exemption Notice”), a regulatory framework...

South Africa Finance

E

ENS

Blocking The Spam 16 Years In The Making

On 15 April 2026, the Minister of Trade, Industry and Competition, Mr Mpho Parks Tau MP, gazetted the Consumer Protection Act Amendment Regulations, 2026...

South Africa Finance

E

ENS

Tough Transition? How The Bond Market Should Prepare For JIBAR Cessation

The transition from the Johannesburg Interbank Average Rate (“JIBAR”) to the South African Rand Overnight Index Average (“ZARONIA”) is now firmly underway, presenting participants in the bond market...

South Africa Finance

E

ENS

When Enforcement Overreaches: What A Recent FICA Judgment Means For Sanctions

South Africa Finance

E

ENS

COFI Heads To Parliament: A New Era For Financial Conduct Regulation

South Africa Finance

E

ENS

On The Right Track: South Africa’s Rail Reform Revolution

South Africa Finance

E

ENS

How South Africa’s Credit Guarantee Vehicle Can Rewire Bank Capital

South Africa Finance

E

ENS

Key Person Appointments Under The Insurance Act

South Africa Insurance

E

ENS

Spotlight On: Tebogo Moloko

South Africa Law Performance

KL

Herbert Smith Freehills Kramer LLP

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Latest Videos

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Axis Know How - Fund Services (Video)

AF

AXIS Fiduciary Ltd

Green Bonds - What You Need To Know (Video)

E

ENS

Axis Finance Act Series 2023 -Compliance (Video)

AF

AXIS Fiduciary Ltd

Finance Act 2023 Briefings - Part 3 – Financial Services (Video)

OL

Orison Legal

Lawspectives: Debt Recovery By Gabriel Cornelius (Video)

OA

Olisa Agbakoba Legal (OAL)

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