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SA retail innovation reveals optimism

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Sometimes, it takes an outsider to allow South Africans to recognise that SA retail innovation is positive in their own country.

Major banks analysis – solid foundations, challenging conditions

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South Africa’s major banks registered resilient growth against difficult operating conditions and a complex macroeconomic environment. Combined headline earnings growth of 13.8% against FY22 to R113.2 billion, combined ROE of 17.6% (FY22: 17.1%), net interest margin of 458 bps (FY22: 430 bps), credit loss ratio of 102 bps (FY22: 82 bps), cost-to-income ratio of 52.2% (FY22: 53%), common equity tier ratio of 13.2% (FY22: 13.5%).

BOOK REVIEW | Infectious Generosity

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From the bestselling author, media pioneer, and curator of TED, an inspiring book about one of humankind’s defining but overlooked impulses, and how we can super-charge its potential to build a hopeful future. Recent years have been tough on optimists. Hopes that the internet might bring people together have been crushed by the ills of social media.

When the going gets tough, it’s time to get going

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Let’s not pretend! Times are tough! A flailing economy, escalating costs, load shedding, geopolitical tensions and elections coming up in 2024 - to name a few challenges. So how do we keep our heads down and our businesses afloat? Often, the same strategies that help achieve success during ‘easier’ years still largely apply – albeit with a heightened focus.

The falling optimist

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The story is told of an optimist who falls from the top of the Empire State Building. On the way down, around the 30th floor, someone leans out the window and shouts, “Hey, how is it going?” The optimist, still falling, looks at him, gives him a big thumbs up and a confident smile, and screams back, “Yeah! So far so good!” 

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