Outstanding Loans, Commercial Banks, of Which: Household Sector Loans in South Africa
South Africa: Outstanding Loans, Commercial Banks, of Which: Household Sector Loans was 2.33 trillion in 2025. ▲ Rising
Outstanding Loans, Commercial Banks, of Which: Household Sector Loans in South Africa, 2004–2025
Source: International Monetary Fund.
Analysis
The most recent figure for outstanding loans, commercial banks, of which: household sector loans in South Africa is 2.33 trillion, measured in 2025. That is the highest value across all 22 years on record.
That represents a change of up 4.2% on the previous year and up 58.6% over ten years.
Over the whole period, outstanding loans, commercial banks, of which: household sector loans in South Africa peaked at 2.33 trillion in 2025 and was at its lowest, 471.72 billion, in 2004.
South Africa ranks 30th of 134 countries on this measure, in the top quarter.
The long-run direction has been consistently rising across the 22 years of available data.
Outstanding Loans, Commercial Banks, of Which: Household Sector Loans in South Africa, year by year
| Year | Value | Change |
|---|---|---|
| 2004 | 471.72 billion | — |
| 2005 | 579.14 billion | +22.8% |
| 2006 | 721.03 billion | +24.5% |
| 2007 | 863.04 billion | +19.7% |
| 2008 | 1.01 trillion | +17.1% |
| 2009 | 1.04 trillion | +3.3% |
| 2010 | 1.11 trillion | +6.1% |
| 2011 | 1.17 trillion | +6.1% |
| 2012 | 1.29 trillion | +10.1% |
| 2013 | 1.36 trillion | +5.0% |
| 2014 | 1.41 trillion | +3.5% |
| 2015 | 1.47 trillion | +4.6% |
| 2016 | 1.48 trillion | +0.7% |
| 2017 | 1.54 trillion | +3.9% |
| 2018 | 1.63 trillion | +5.7% |
| 2019 | 1.73 trillion | +6.4% |
| 2020 | 1.79 trillion | +3.3% |
| 2021 | 1.90 trillion | +6.2% |
| 2022 | 2.04 trillion | +7.6% |
| 2023 | 2.14 trillion | +5.0% |
| 2024 | 2.24 trillion | +4.4% |
| 2025 | 2.33 trillion | +4.2% |
South Africa compared with similar countries
- South Africa's 2.33 trillion is above the median for upper middle income countries, which is 162.63 billion, 14.3× the median. (46 countries reporting)
- South Africa's 2.33 trillion is above the median for Sub-Saharan Africa, which is 211.43 billion, 11.0× the median. (25 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 781.48 billion | 471.72 billion | 1.04 trillion | 6 |
| 2010s | 1.42 trillion | 1.11 trillion | 1.73 trillion | 10 |
| 2020s | 2.07 trillion | 1.79 trillion | 2.33 trillion | 6 |
Countries ranked near South Africa
More financial sector data for South Africa
- Reserve position in the IMF, US dollar, annual growth rate 5.08 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0021 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 13.81 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 0.0607 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0015 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 10.08 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 5.08 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0021 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 13.81 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 0.0607 % change on previous year (2025)
Frequently asked questions
- What is outstanding loans, commercial banks, of which: household sector loans in South Africa?
- Outstanding loans, commercial banks, of which: household sector loans in South Africa was 2.33 trillion in 2025, according to International Monetary Fund.
- What is the highest outstanding loans, commercial banks, of which: household sector loans recorded in South Africa?
- The highest recorded value was 2.33 trillion in 2025.
- What is the lowest outstanding loans, commercial banks, of which: household sector loans recorded in South Africa?
- The lowest recorded value was 471.72 billion in 2004.
- How does South Africa rank for outstanding loans, commercial banks, of which: household sector loans?
- South Africa ranks 30th out of 134 countries with data for 2025.
- Is outstanding loans, commercial banks, of which: household sector loans rising or falling in South Africa?
- Over the last ten years it is up 58.6%. The long-run trend across the full record is rising.
- Where does this South Africa data come from?
- The figures come from International Monetary Fund, published as part of Outstanding Loans, Commercial Banks, of Which: Household Sector Loans. Statizoid updates them automatically from the source API.
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About this data
Gender-disaggregated data on access to and use of financial services.