However, we will explore practical issues with the ratio prior to making a final decision on this. More generally, the Reserve Bank remains committed to making improvements to its existing prudential policy framework, given the importance for both institutional and wider financial system stability.
These include ownership transfer, employment equity, procurement, access to financial services, low-income housing finance, SME finance, agricultural finance and infrastructure finance. Of critical importance for the South African Reserve Bank is that the Charter should assist rather than hamper the stability of South Africa's banking and financial sector which is one of the important responsibilities of the Reserve Bank.