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Following years of slow growth in credit participation post pandemic, South Africa’s second quarter of 2025 marked its most significant expansion since Covid-19.
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This quarter saw divergent signals for consumer pressure, with declines in petrol prices alongside improvements in inflation and consumer confidence, coupled with the strongest YoY growth in loan numbers and balances since Covid.Â
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The 2025 Income & Expenditure survey
While South Africans have historically struggled with savings, several recent developments have impacted the financial landscape, though with mixed implications for long-term consumer financial health.
Chocolate occupies a unique position in the consumer psyche – few FMCG products command such emotional attachment.