African Development Bank. (1999). Economic integration in Southern Africa. Tunisia: African Development Bank.
Akukwe, c. (2002, March 7). The Perspective. Retrieved July 7, 2010, from Africa & Regional integration moving forward: http://www.theperspective.org/movingforward.html
Bank of International Settlement. (2008). Convergence in the SADC and African economic integration process: prospects and statistical issues.
Banque-France. (2006). Situation of the EU countries upone joining the Euro Area.
COMESA Programmes. (2009). Retrieved July 30, 2010, from COMESA Customes Union: http://programmes.comesa.int/index.php?option=com_content&view=article&id=119&Itemid=73&lang=en
EU business. (2010, April 12). Euro zone will not allow any member to default. Retrieved June 20, 2010, from EU buiness: http://www.eubusiness.com/news-eu/finance-economu.43z
European Central Bank. (2004, April). Measuring financial integration in the Euro area Occasional Paper Series 14. Retrieved June 15, 2010, from European Central Bank: http://www.ecb.int/pub/pdf/scpops/ecbocp14.pdf
European Central Bank. (2004, April). Occasional Paper Series 14. Retrieved June 15, 2010, from European Central Bank: http://www.ecb.int/pub/pdf/scpops/ecbocp14.pdf
Fouroutan, F. (1993). Regional integration in Sub-Saharan Africa: past experience and future prospects. Cambridge University Press.
What are the envisaged political and economical policy changes in SA as a result of SADC financial system integration? How could this impact the banking sector in South Africa?
Is there a political willingness to integrate?
What are the dynamics (positive and negative) within the SADC region that could impact the financial integration?
What factors could lead to an exclusion of some of the SADC states? Including voluntary exclusion.
Sovereign monetary policy vs. Domestic momentary policy, what is the impact? Will this work for SADC.
How would SADC financial system integration impact on the existing trade embargos and treaties that SADC countries have entered into with other states? What could be considered as the critical success factors and prerequisites for the SADC integration from the political perspective? Other than the ones that SADC has already defined.
What are countries that are most likely to meet the pre-requisite set by SADC towards financial integration?
Given the current dynamics within SADC, is financial system integration a viable move for the region?
Do you think South African banks have any reasons to worry about the envisaged SADC financial integration?
Based on the current economic growth levels in the SADC region and within individual SADC states, is financial system integration an appropriate strategy for the region? Would it lead to economic growth and development for the region and countries within the region or could it destroy values for some of the countries?
What could be the envisaged political and economic policy changes in SA as a result of SADC financial system integration? How could this impact the banking sector in South Africa?
Could the financial system integration call for the alignment of both the political and economic policies in the SADC states? What could be challenges or benefits towards this alignment?
How will the relaxation in exchange controls amongst SADC countries impact the South African banking sector? Positive and Negative?
SADC plan is to have a single currency by 2018, in your view is this achievable given that the pre-requisites could quite be a challenge for some of the SADC countries? Which countries will more likely not qualify? What could be the implications?
Could there be an envisaged impact on the SA Banks’ rating as a result of the integration?
Could there be an impact on the banks’ market capitalisation and asset value as a result of the integration?
The SADC integration would be a costly exercise for banks? Is there a plan to engage the shareholders, particularly ICBC?
Could SADC financial integration affect the bank’s global positioning & competitiveness? If yes, how?
Some of the countries in SADC have a currency that is not tradable internationally, would this be a factor?
The impact to the banking sector as a result of the devalued rand? Dilution of the asset base as a result of the single currency. How will the international partners respond, Barclays for ABSA? ICBC for Standard Bank?
How will the big 4 banks respond to the changes on transaction clearing as there would be more clearing house to choose from?
What would be the impact as a result of an increased inflation rate, which could have impact on the repo and lending rates.
Who will carry the currency risk?
Can banks handle/absorb the impact, comply and qualify and defined times?
Is EMV part of the requirement for the integration?
How involved are the banks in the SADC financial integration planning and process.
How would the SADC financial integration impact on the grading of the South African banks? And possible impact on the share prices? How could the impact be minimised?
What would be the impact on the bank due to free movement of labour in the SADC region? Do you foresee any impact on retaining skills and knowledge?
Given the potential clients can now be citizens of any SADC country, who owns the customer? What will be the impact of bank location being remote from physical customer location?
What will be the impact on current customers?
Given the multiplicity of languages across the SADC region, what communication policy will be adapted to target new clients in the region?
What will the impact of SADC integration on Social responsibility for banks? Investing local or global?
Single payment system, similar to that of Europe (SEPA) or are we looking a totally different model.
Information security, fraud cases and forensics. Who takes ownership, responsibility?
Infrastructure – readiness of level. Who determines the standard?
How is the cost determined to invest in the technology?
How do we get to a decision on where this would reside, country?
Clearing houses. Sufficient to cater for an integrated system. Do we need country specific?
How will the SADC financial integration impact the business environment for SA banks?
What Expansion opportunities will the SADC financial integration bring?
What opportunities does the bank see in regional and domestic competitiveness? Will the bank launch an aggressive new business acquisition strategy?
Are the any other banks (apart from SA banks) in the SADC region which is considered as competition?
Will Banks compromise on fees – loss of cross boarder revenue