Banking and Finance case law

The Banking and Finance practice area on Semantis AI provides a comprehensive overview of the legal landscape surrounding banking regulations, financial services, and credit agreements in South Africa. This section is essential for legal practitioners and members of the public seeking to understand the intricacies of financial law, including the National Credit Act (NCA) and its implications for credit agreements and loans. Semantis AI tracks the latest reportable judgments daily, ensuring that users have access to the most current legal developments. Recent judgments, such as *Land and Agricultural Development Bank of South Africa v Van Rensburg NO and Others* and *Scott v National Credit Regulator and Others*, highlight significant legal precedents that shape the banking and finance sector. By providing timely and relevant case law, this practice area serves as a vital resource for those navigating the complexities of financial legal matters in South Africa.

Leading judgments

  1. Land and Agricultural Development Bank of South Africa v Van Rensburg NO and Others (5318/2024) [2026] ZAECMKHC 11 (3 February 2026) Eastern Cape High Court (Makhanda) · 3 February 2026 · Reportability 78
  2. Ulyate NO and Another v Classens and Another (19793/2015) [2026] ZAWCHC 32 (30 January 2026) Western Cape High Court · 30 January 2026 · Reportability 75
  3. Scott v National Credit Regulator and Others (Leave to Appeal) (105915/2023) [2025] ZAGPPHC 1218 (24 November 2025) Gauteng High Court (Pretoria) · 24 November 2025 · Reportability 80
  4. Commissioner, South African Revenue Service v Sasfin Bank Limited (134505/2023) [2025] ZAGPPHC 1227 (3 November 2025) Gauteng High Court (Pretoria) · 3 November 2025 · Reportability 82
  5. Merchant Commercial Finance 1 (Pty) Ltd v Valecic and Another (15602/2022) [2025] ZAWCHC 469 (15 October 2025) Western Cape High Court · 15 October 2025 · Reportability 82
  6. Christoffel Jacobus Petrus Wolmarans N.O and Others v Standard Bank of South Africa Limited (416/2023) [2025] ZASCA 150 (14 October 2025) Supreme Court of Appeal · 14 October 2025 · Reportability 82
  7. Globeleq-Mainstream South Africa Renewable Power (Pty) Ltd v ABSA Bank Limited and Others (116349/2024) [2025] ZAGPPHC 1042 (10 October 2025) Gauteng High Court (Pretoria) · 10 October 2025 · Reportability 80
  8. ABSA Home Loans Guarantee Company RF Proprietary Limited and Another v Maphanga (2022/3312) [2025] ZAGPJHC 1263 (16 September 2025) Gauteng High Court (Johannesburg) · 16 September 2025 · Reportability 78
  9. Fine v Nedbank Limited (A2024/078436) [2025] ZAGPJHC 937 (15 September 2025) Gauteng High Court (Johannesburg) · 15 September 2025 · Reportability 78
  10. National Credit Regulator v National Consumer Tribunal and Others and Similar Matters (667/2023) [2025] ZASCA 132 (12 September 2025) Supreme Court of Appeal · 12 September 2025 · Reportability 81
  11. South African Reserve Bank Prudential Authority and Another v Ithala SOC Limited and Others (Appeal) (A2025/091983 ; 19051/2023) [2025] ZAKZPHC 104 (15 August 2025) KwaZulu-Natal High Court (Pietermaritzburg) · 15 August 2025 · Reportability 79
  12. Potpale Investments (Rf) (Pty) Ltd v Leteane (2025/047232; 2025/048371; 2025/048374; 2025/048376) [2025] ZAGPJHC 682 (30 June 2025) Gauteng High Court (Johannesburg) · 30 June 2025 · Reportability 82
  13. Pick n Pay Retailers Proprietary Limited v Lakeside City Trading 226 Proprietary Limited t/a Pick n Pay Family Store Protea North (2025-056881) [2025] ZAGPPHC 505 (16 May 2025) Gauteng High Court (Pretoria) · 16 May 2025 · Reportability 82
  14. Scott v National Credit Regulator and Others (105915/2023) [2025] ZAGPPHC 491 (12 May 2025) Gauteng High Court (Pretoria) · 12 May 2025 · Reportability 82
  15. The Loan Company (Pty) Ltd v The National Credit Regulator and Another (1104/2023) [2025] ZASCA 40 (9 April 2025) Supreme Court of Appeal · 9 April 2025 · Reportability 82
  16. Standard Bank of South Africa Limited v De Waal (1398/2023) [2025] ZANCHC 31 (4 April 2025) Northern Cape High Court · 4 April 2025 · Reportability 82
  17. Uys N O and Others v National Credit Regulator and Another (869/2023) [2025] ZASCA 34 (1 April 2025) Supreme Court of Appeal · 1 April 2025 · Reportability 82
  18. Absa Bank Limited v Frans (2169/2024) [2025] ZAWCHC 154 (28 March 2025) Western Cape High Court · 28 March 2025 · Reportability 82
  19. Profit Hub (Pty) Ltd v Zuwon Consultants (Pty) Ltd and Another (2024-096735) [2025] ZAGPPHC 244 (3 March 2025) Gauteng High Court (Pretoria) · 3 March 2025 · Reportability 82
  20. Absa Bank Limited v Johan Serfontein and Another (740/2023) [2025] ZASCA 11 (10 February 2025) Supreme Court of Appeal · 10 February 2025 · Reportability 81

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