Research

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SA Banks

Annual growth rates in the SARB’s gross loans and advances category accelerated from 1.9% in August to 3.7% in September. Retail annual loan growth of 5.9% has remained in line with August with corporate faring considerably better (0.6% vs -3.3%), but still lags significantly. On our methodology, industry advances growth was 3.2 % YoY, 2.2% YTD and 0.6% MoM, all accelerating on the August data. Annual SARB loan growth has exceeded deposit growth (3.2%) in September, but as a ratio remains near lows.

FORESTRY & PAPER: Sappi Q4 21A Insights

Key message: Results broadly in line with our expectations. However, USD 30mn of EBITDA “lost” in Q4 21A due to logistic constraints. Q1 22E guidance better than our base case but CapEx guidance of USD 395mn disappointing in terms of FCF generation in FY 22E.

Raubex- 1H FY22 Results

Key message: With the roads order book relatively full, renewable energy offers Raubex further growth opportunities. The announcement of external funding for Eskom from COP26 should unlock public and private renewable energy spend. This is significant for Raubex as the current valuation requires growth in the order book to approx. R20bn.

Forestry & Paper: Industry Price Update

Key message: Pulp prices under further pressure in China. Graphic Paper prices stable but producers confirm further surcharges related to energy costs. In our view, surcharges across the supply chain are likely to further increase the trend towards online communication.