NjabuloMaphumulo/SARB-Banking-Sector-Credit-Risk-Analysis-2003-2007-

Analysed 60 months of South African Reserve Bank BA Return regulatory submissions (DI500-Credit Risk, Total Banks) to assess credit risk trends, provisioning adequacy, and sectoral concentration in the South African banking sector between 2003 and 2007. How the Project Was Conducted: Built a Python parsing pipeline to extract and normalise six structured tables from raw regulatory CSVs into a SQLite database Wrote structured SQL queries covering NPL ratios, provision coverage, write-off trends, YoY loan book growth, sectoral concentration and geographic distribution Developed a three-page executive Power BI dashboard connected directly to the SQLite database Key Findings: Total banking sector gross exposure grew 279% from R4.8bn to R18.2bn over the period NPL ratio declined from 5.1% to 2.8% — driven by loan book expansion rather than genuine credit quality improvement Provision coverage fell from ~65% to ~35%, indicating the sector was structurally under-provisioned entering 2008 Individual borrowers represented a consistent ~40% concentration of total advances throughout the period