Housing Finance Summit Amelia Island, Florida

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Housing Finance Summit Amelia Island, Florida Annual discussion of Housing Market : Investing, Origination and Public Policy 04 06 April 2005. South African Mortgage Market Overview. Sophisticated mature R300billion Dichotomous Dominated by Big 4 Banks - PowerPoint PPT Presentation

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  • Housing Finance SummitAmelia Island, Florida

    Annual discussion of Housing Market : Investing, Origination and Public Policy

    04 06 April 2005

  • South African Mortgage Market OverviewSophisticated mature R300billionDichotomous Dominated by Big 4 BanksSound legal structure title & foreclosureWide margins no real competitionNo non bank lendingBanks cash rich no shortage of capitalCredit data good

  • Total = R 307 bnSource: SARB DI900Residential SA mortgage loans by lenders South African Mortgage Market Outstanding balance, R bnsThe SA Mortgage MarketSource: SARBSource: SAHLR millions per monthThe rate of growth of the SA Home Loans book has been exponentialOn a monthly basis SA Home Loans now originates up to R1billion in new mortgagesThis represents approximately 15% of monthly originationsSource: Standard Bank

    Index

    Index

    #TitleDescription

    1Core OriginationValue of core origination by month of entry into the pipeline by current status

    1ACore Origination %% of core origination by month of entry into the pipeline by current status

    2Blue Banner OriginationValue of Blue Banner origination by month of entry into the pipeline by current status

    2ABlue Banner Origination %% of Blue Banner origination by month of entry into the pipeline by current status

    3Combined OriginationValue of combined origination by month of entry into the pipeline by current status

    3ACombined Origination %% of combined origination by month of entry into the pipeline by current status

    4Origination By BranchValue of approvals by month of first approval by region

    4AOrigination By Branch %% of approvals by month of first approval by region

    5Budgets To Actuals - OriginationComparison of first time approvals and registrations to budget

    6ApprovalsValue of approvals by month of first approval by SAHL/Blue Banner

    7RegistrationsValue of registrations by SAHL/Blue Banner by month

    7AMonths - Approved To RegistrationValue of approvals by month of first approval by months to register or current status

    7BFurther Loans and Re-AdvancesValue of further loans and re-advances by SAHL (core) and Blue Banner

    8Loan Purpose On Final ApprovalValue of approval by purpose by month of final approval

    8ALoan Purpose On Final Approval %% of approval by purpose by month of final approval

    9Loan Purpose on RegistrationValue of approval by purpose by month of registration

    9ALoan Purpose on Registration %% of approval by purpose by month of registration

    10Bank on ApprovalValue of approval by bank by month of final approval (switch)

    10ABank on RegistrationValue of approval by bank by month of registration (switch)

    11Bank - Market Share% Market share by bank by month

    11ASAHL - Market ShareSAHL market share by month by purpose

    12LTVValue of approval by LTV by month of final approval

    13PTIValue of approval by PTI by month of final approval

    14Thekwini 1 ArrearsThekwini 1 - % of accounts in arrear

    15Thekwini 2 ArrearsThekwini 2 - % of accounts in arrear

    16Thekwini 3 ArrearsThekwini 3 - % of accounts in arrear

    17Thekwini 4 ArrearsThekwini 4 - % of accounts in arrear

    18Main St ArrearsMain Street - % of accounts in arrear

    19BB ArrearsBlue Banner - % of accounts in arrear

    20Combined ArrearsCombined - % of accounts in arrear

    21Thekwini Arrears TriggersThekwini Arrears Triggers

    22Assets Under ManagementValue of net assets by SAHL/Blue Banner by month

    23Switches Into Blue BannerValue and count of assets switched from SAHL to Blue Banner

    24Origination EfficiencyAverage value of new approvals and number of new clients per consultant per month

    37681

    1

    218142052.093200000043318084.0288125206.7

    163013272.124061960028008784.5876329250.22

    76333980.5800018083466.9746482092.07

    126762155.4900038493129.374924451.8

    171070581.6100029998158.3481713008.27

    227880196.271520882.30050608813.05107265410.55

    190826702.84989141.950034826949.6992053577.59

    270501635.331751949.17138173.5053772612.78107724727.08

    256763492.84317089.120043787641.48103998812.59

    324432718.942291793.520051007181.91110934618.38

    327822175.063683631.06100234.11040603407.07141714776.51

    395869837.069782292.030039234246.35134973958.42

    498316700.917477112.220049091299.11174370778.87

    417406950.3610525469.740039586501.95150388734.83

    265960251.889679319.290033373902.39134432031.84

    441992352.2514264032.78158794.0468800032467965.91150368329.59

    538821455.6634584314.610041450333.15206769383.32

    677968662.1648062303.3906215393.7358046140.15218681611.37

    478072168.1860542777.76595064.519437434.0340812557.06181906822.06

    620417872.62113887206.5770533126130129.2454507096.57220980375.96

    456853229.7236470040291375.7330454675.3848696407.5224291697.26

    302731533.29343047031.111992350.2813131968.5949012480.82199952689.84

    79739323.56660652508.7910787247.8431242930.4550450375.48161862576.87

    1436659.53547767750.7672243643.6254649836.5155788689.77106993574.62

    Registered

    Attorney Instructed

    LOA

    Needs Approval

    Declined

    Not Taken Up

    SAHL CORE ORIGINATION

    1A

    218142052.093200000043318084.0288125206.7

    163013272.124061960028008784.5876329250.22

    76333980.5800018083466.9746482092.07

    126762155.4900038493129.374924451.8

    171070581.6100029998158.3481713008.27

    227880196.271520882.30050608813.05107265410.55

    190826702.84989141.950034826949.6992053577.59

    270501635.331751949.17138173.5053772612.78107724727.08

    256763492.84317089.120043787641.48103998812.59

    324432718.942291793.520051007181.91110934618.38

    327822175.063683631.06100234.11040603407.07141714776.51

    395869837.069782292.030039234246.35134973958.42

    498316700.917477112.220049091299.11174370778.87

    417406950.3610525469.740039586501.95150388734.83

    265960251.889679319.290033373902.39134432031.84

    441992352.2514264032.78158794.0468800032467965.91150368329.59

    538821455.6634584314.610041450333.15206769383.32

    677968662.1648062303.3906215393.7358046140.15218681611.37

    478072168.1860542777.76595064.519437434.0340812557.06181906822.06

    620417872.62113887206.5770533126130129.2454507096.57220980375.96

    456853229.7236470040291375.7330454675.3848696407.5224291697.26

    302731533.29343047031.111992350.2813131968.5949012480.82199952689.84

    79739323.56660652508.7910787247.8431242930.4550450375.48161862576.87

    1436659.53547767750.7672243643.6254649836.5155788689.77106993574.62

    Registered

    Attorney Instructed

    LOA

    Needs Approval

    Declined

    Not Taken Up

    SAHL CORE ORIGINATION

    2

    97499709.74657582.350024285461.7560337124.04

    77364695.96225210.960014503575.3841378893.36

    40415923.49629662.50011714246.7524725215.25

    74130650.03747905.50010244311.8336108154.36

    82910081.641800000011545398.6140341188.75

    110540673.162704932.150018419684.3653355762.16

    102990201.19423452.850015676030.8457431212.51

    135501031.68871508.050026381949.555275434.62

    126358679.052693605.770019698056.8763925155.4

    174203055.542590816.260018060477.3474599172.76

    192444873.454762539.660022491958.5190098602.07

    236090378.665283501.450026398745.188998109.49

    328690399.418254667.240034319442.68117492378.46

    306446606.3913574357.710031240392.63113022242.35

    187189657.49517783.450027252110.0190682585.96

    278652101.6420189738.250026621102.41108406246.5

    349470433.3524908796.68075000032339845.71142524099.64

    286637131.6832883582.9203951944362067.4122892034.14

    249386303.2537639335.070402918.519044489.28114267927.46

    283017310.4468775165.5661436.51615196.5434727175.55137330365.48

    183349293.51112856678.452266877.692829617.7435212538.25128960669.59

    115674464.63198680475.751466379.51376691.3325094976.11114473639.64

    28715975.16322484371.346443106.957592718.1632038420.36118667127.44

    426486281984253.0452595926.8175095258.8338176529.2551444694.55

    Registered

    Attorney Instructed

    LOA

    Needs Approval

    Declined

    Not Taken Up

    SAHL BLUE BANNER ORIGINATION

    2A

    97499709.74657582.350024285461.7560337124.04

    77364695.96225210.960014503575.3841378893.36

    40415923.49629662.50011714246.7524725215.25

    74130650.03747905.50010244311.8336108154.36

    82910081.641800000011545398.6140341188.75

    110540673.162704932.150018419684.3653355762.16

    102990201.19423452.850015676030.8457431212.51

    135501031.68871508.050026381949.555275434.62

    126358679.052693605.770019698056.8763925155.4

    174203055.542590816.260018060477.3474599172.76

    192444873.454762539.660022491958.5190098602.07

    236090378.665283501.450026398745.188998109.49

    328690399.418254667.240034319442.68117492378.46

    306446606.3913574357.710031240392.63113022242.35

    187189657.49517783.450027252110.0190682585.96

    278652101.6420189738.250026621102.41108406246.5

    349470433.3524908796.68075000032339845.71142524099.64

    286637131.6832883582.9203951944362067.4122892034.14

    249386303.2537639335.070402918.519044489.28114267927.46

    283017310.4468775165.5661436.51615196.5434727175.55137330365.48

    183349293.51112856678.452266877.692829617.7435212538.25128960669.59

    115674464.63198680475.751466379.51376691.3325094976.11114473639.64

    28715975.16322484371.346443106.957592718.1632038420.36118667127.44

    426486281984253.0452595926.8175095258.8338176529.2551444694.55

    Registered

    Attorney Instructed

    LOA

    Needs Approval

    Declined

    Not Taken Up

    SAHL BLUE BANNER ORIGINATION

    3

    315641761.83977582.350067603545.77148462330.74

    240377968.08631406.960042512359.96117708143.58

    116749904.07629662.50029797713.7271207307.32

    200892805.52747905.50048737441.13111032606.16

    253980663.251800000041543556.95122054197.02

    338420869.434225814.450069028497.41160621172.71

    293816904.031412594.80050502980.53149484790.1

    406002667.012623457.22138173.5080154562.28163000161.7

    383122171.893010694.890063485698.35167923967.99

    498635774.484882609.780069067659.25185533791.14

    520267048.518446170.72100234.11063095365.58231813378.58

    631960215.7215065793.480065632991.45223972067.91

    827007100.3215731779.460083410741.79291863157.33

    723853556.7524099827.450070826894.58263410977.18

    453149909.2819197102.740060626012.4225114617.8

    720644453.8934453771.03158794.0468800059089068.32258774576.09

    888291889.0159493111.29075000073790178.86349293482.96

    964605793.8480945886.3106254912.73102408207.55341573645.51

    727458471.4398182112.83595064.519840352.5359857046.34296174749.52

    903435183.06182662372.13766767.527745325.7889234272.12358310741.44

    640202523.21349326718.452558253.4233284293.1283908945.75353252366.85

    418405997.92541727506.863458729.7814508659.9274107456.93314426329.48

    108455298.72983136880.1317230354.7938835648.6182488795.84280529704.31

    1863145.53829752003.8124839570.41329745095.3493965219.02158438269.17

    Registered

    Attorney Instructed

    LOA

    Needs Approval

    Declined

    Not Taken Up

    SAHL COMBINED ORIGINATION

    3A

    315641761.83977582.350067603545.77148462330.74

    240377968.08631406.960042512359.96117708143.58

    116749904.07629662.50029797713.7271207307.32

    200892805.52747905.50048737441.13111032606.16

    253980663.251800000041543556.95122054197.02

    338420869.434225814.450069028497.41160621172.71

    293816904.031412594.80050502980.53149484790.1

    406002667.012623457.22138173.5080154562.28163000161.7

    383122171.893010694.890063485698.35167923967.99

    498635774.484882609.780069067659.25185533791.14

    520267048.518446170.72100234.11063095365.58231813378.58

    631960215.7215065793.480065632991.45223972067.91

    827007100.3215731779.460083410741.79291863157.33

    723853556.7524099827.450070826894.58263410977.18

    453149909.2819197102.740060626012.4225114617.8

    720644453.8934453771.03158794.0468800059089068.32258774576.09

    888291889.0159493111.29075000073790178.86349293482.96

    964605793.8480945886.3106254912.73102408207.55341573645.51

    727458471.4398182112.83595064.519840352.5359857046.34296174749.52

    903435183.06182662372.13766767.527745325.7889234272.12358310741.44

    640202523.21349326718.452558253.4233284293.1283908945.75353252366.85

    418405997.92541727506.863458729.7814508659.9274107456.93314426329.48

    108455298.72983136880.1317230354.7938835648.6182488795.84280529704.31

    1863145.53829752003.8124839570.41329745095.3493965219.02158438269.17

    Registered

    Attorney Instructed

    LOA

    Needs Approval

    Declined

    Not Taken Up

    SAHL COMBINED ORIGINATION

    4

    7634666.8160291057.28080187365.33011402784.2344006016.88103741006.2268823063.11

    4401499.5942127779.49068847110.9907734664.6344031555.7692715746.7160482072.57

    2734221.5125036905.3029658881.0704013420.8718395065.5727793574.9325630467.29

    3042368.3530220111.11766214.8953020606.4207264497.0134290082.3567526505.4148670003.7

    3265750.9247324797.081093891.5973765457.1808010590.9541129369.2377074461.5857777537.65

    3756821.2855452705.825439212.0468857320.2908967087.4246249074.6982675985.167654558.91

    3632214.4263441345.573776655.2975266598.79010232405.4755927317.692063046.0563673164.42

    3113393.1464117109.755180542.1473743354.26014052145.8169911134.1124279836.3382426251.94

    3944976.9950279394.885153749.3762136084.19013403610.9954956979.9581423258.0152780862.71

    4428149.8987947097.194950187.96115642390.48930552.7112003100.8590442909.58127872766.9111139765.06

    3173847.2979220241.925947086.36119214460.74109650.5416841038.6398987345.45123592425.06102933325.99

    4954508.52120481123.077894813.39140115957.627664511.5113596792.37110837364.87177276337.6114226933.39

    4348975.5147843506.2410494040.68179989956.49006793.9620445698.27137445461.85214039457.34158096403.6

    8940597.93148897542.668974302.15148545670.0414808974.2619922223.77135397115.48193428122.98145797130.93

    3353885.1562340552.414213045.3795928597.676490463.2711835861.483555461.76102326547.9184476950.73

    3495464.42139297084.147343884.17154639854.099225828.718956028.48108685186.54176964859.96126245317.66

    1182997.84166419810.2410850683.3221907523111432974.7429862851.83150848725.05215747366.39169373293.47

    0156850306.2116329933.59197786710.6212647995.8440551081.21163798962.62236173654.77177026010.45

    0153814980.5514240725.91173559987.4511652316.3632281565134790728.76202755409138450886.75

    0182250344.3521544362.82216679222.4117601875.3444263405.27175517003.75245107312.24196560227.1

    0149100872.218171072.04182656978.8216978149.9142100976.01149877799.76269522827.84160852492.18

    0170997518.4621455646.16191152044.9716402888.8540812132.34127346340.03241823420.69162982691.67

    0177341985.7620779495.08226786620.4911845049.944110901.94157534126.92266928939.43166647323.09

    0163738322.3322364587.53198477803.9313869320.6749038879.26139732454.95286896497.38170157437.2

    Others

    Pretoria

    East London

    Johannesburg

    Bloemfontein

    Port Elizabeth

    KwaZulu Natal

    Tele Centre

    Cape Town

    SAHL APPROVALS BY REGION

    4A

    0.0202170750.159654488400.212341155800.03019528540.11653068350.27471266920.1822477732

    0.01370413510.131165474700.214356514900.02408199460.13709291070.2886718710.1883118421

    0.02048160240.187547328400.222169786600.03006387380.13779440240.2081970860.1919936034

    0.01229110510.12208862290.00713547160.214202151700.02934841740.13853122240.27280568310.1966258068

    0.01055368190.15293599150.00353504730.238382286400.0258872250.13291469270.24907574730.1867153279

    0.0110803440.16355184640.01604237630.203087328200.02644746870.13640671720.24384400750.1995399117

    0.0098698060.17238898920.01026229480.204521716400.02780448650.15197114220.25016265510.1730189099

    0.00712734370.14678026820.01185957020.168817174700.03216891310.16004425420.2845079540.1886945219

    0.01217288990.15514552850.01590276040.191731337400.04135909580.16957900390.25124515580.1628642282

    0.00797347520.1583604920.00891347440.20822956570.00167558440.02161318580.16285453550.23025199150.2...

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