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The impact of Basel III on the provision on long-term housing finance in South Africa
South Africa suffers from an acute housing shortage with the lack of access to credit partly to blame. The implementation of Basel III, an international regulatory framework touted to impact the banking sector, has been suggested as a potential catalyst to credit deterioration in South Africa. The p...
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| Format: | Thesis |
| Language: | English |
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Department of Construction Economics and Management
2019
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| _version_ | 1867613181353918464 |
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| access_status_str | Open Access |
| author | MacKenzie, Peter Graham |
| author2 | McGaffin, Robert |
| author_browse | MacKenzie, Peter Graham McGaffin, Robert |
| author_facet | McGaffin, Robert MacKenzie, Peter Graham |
| author_sort | MacKenzie, Peter Graham |
| collection | Thesis |
| description | South Africa suffers from an acute housing shortage with the lack of access to credit partly to blame. The implementation of Basel III, an international regulatory framework touted to impact the banking sector, has been suggested as a potential catalyst to credit deterioration in South Africa. The purpose of this study is to assess the impact of the Basel III regulatory Accord on the provision of long - term housing finance in South Africa. A combination of interviews with bank personnel, as well as a time – series statistical analysis utilising aggregate bank balance sheet data is employed to gauge how changes in banks’ balance sheet compositions may affect long - term housing finance. South African banks are historically well capitalised. However, the introduction of newly developed parameters in accordance with the Basel III Accord appear to threaten bank profitability. Findings from the study indicate that the provision of long - term housing finance will be compromised in certain ways with some sectors of the housing market more impacted than others. |
| format | Thesis |
| id | oai:open.uct.ac.za:11427/29254 |
| institution | University of Cape Town (South Africa) |
| language | eng |
| last_indexed | 2026-06-10T12:32:03.909Z |
| license_str | Not specified — see source repository |
| provenance_str_mv | Harvested via OAI-PMH from UCTD — University of Cape Town Open Access Repository |
| publishDate | 2019 |
| publishDateRange | 2019 |
| publishDateSort | 2019 |
| publisher | Department of Construction Economics and Management |
| publisherStr | Department of Construction Economics and Management |
| record_format | dspace |
| source_str | UCTD — University of Cape Town Open Access Repository |
| spelling | oai:open.uct.ac.za:11427/29254 The impact of Basel III on the provision on long-term housing finance in South Africa MacKenzie, Peter Graham McGaffin, Robert Property Studies South Africa suffers from an acute housing shortage with the lack of access to credit partly to blame. The implementation of Basel III, an international regulatory framework touted to impact the banking sector, has been suggested as a potential catalyst to credit deterioration in South Africa. The purpose of this study is to assess the impact of the Basel III regulatory Accord on the provision of long - term housing finance in South Africa. A combination of interviews with bank personnel, as well as a time – series statistical analysis utilising aggregate bank balance sheet data is employed to gauge how changes in banks’ balance sheet compositions may affect long - term housing finance. South African banks are historically well capitalised. However, the introduction of newly developed parameters in accordance with the Basel III Accord appear to threaten bank profitability. Findings from the study indicate that the provision of long - term housing finance will be compromised in certain ways with some sectors of the housing market more impacted than others. 2019-02-04T12:07:06Z 2019-02-04T12:07:06Z 2018 2019-02-01T13:31:07Z Master Thesis Masters MSc http://hdl.handle.net/11427/29254 eng application/pdf Department of Construction Economics and Management Faculty of Engineering and the Built Environment University of Cape Town |
| spellingShingle | Property Studies MacKenzie, Peter Graham The impact of Basel III on the provision on long-term housing finance in South Africa |
| thesis_degree_str | Master's |
| title | The impact of Basel III on the provision on long-term housing finance in South Africa |
| title_full | The impact of Basel III on the provision on long-term housing finance in South Africa |
| title_fullStr | The impact of Basel III on the provision on long-term housing finance in South Africa |
| title_full_unstemmed | The impact of Basel III on the provision on long-term housing finance in South Africa |
| title_short | The impact of Basel III on the provision on long-term housing finance in South Africa |
| title_sort | impact of basel iii on the provision on long term housing finance in south africa |
| topic | Property Studies |
| url | http://hdl.handle.net/11427/29254 |
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