Lacklustre credit extension and a focus on managing bad debts are the themes expected to dominate the banks’ earnings season, which kicks into gear next week.

All big four banks (Absa, FNB, Nedbank and Standard) will report either interim or full-year results for the period ended June, and while each has its own peculiarities to deal with, none will have countered the effects of the depressed economic cycle and its attendant financial risks.

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