National Credit Regulator (NCR)

Contact Details

Physical: 127 – 15th Road, Randjespark, Midrand, Johannesburg, 1685
Postal: PO Box 209, Halfway House, 1685
Tel: 011 554 2700 / 0860 627 627


The mission of the National Credit Regulator (NCR) is to support the social and economic advancement of South Africa by regulating for a fair and non-discriminatory market place for access to consumer credit; and promoting responsible credit granting and credit use, and effective redress.

The NCR's mandate is to: promote and support the development of a fair, transparent, competitive, sustainable, responsible, efficient and effective consumer credit market, and to increase participation of historically disadvantaged persons, low-income persons and communities, and remote, isolated or low-density populations and communities in the consumer credit market; regulate the consumer credit industry by registering credit providers, credit bureaus and debt counsellors; enforce the provisions of the National Credit Act; undertake research on the nature and dynamics of the consumer credit market in order to increase knowledge of these matters; promote public awareness of consumer credit matters; and review legislation and report to the Minister of Trade and Industry on matters concerning consumer credit.

Office Bearers/Management

Chief Executive Officer
Ms N Motshegare

Chief Executive Officer:
Ms Nomsa Motshegare
Chief Financial Officer:
Ms Ayanda Mafuleka
Senior Management:
Mr Lesiba Mashapa (Company Secretary)
Mr Obed Tongoane (Deputy Chief Executive Officer)
Communications Officers:
Ms Rishana Singh

Financial Information

All Financial Values: R'0002015/162014/152013/142012/13
AUDIT OUTCOMEClean AuditClean AuditFinancially UnqualifiedFinancially Unqualified
Current Assets47 91137 10042 40250 691
Non-Current Assets18 14321 89521 62119 761
Total Assets66 05358 99564 02370 452
Current Liabilities62 30348 43739 35119 738
Non-Current Liabilities-8--
Total Liabilities62 30348 44539 35119 738
Total Net Assets3 75010 54924 67150 714
Total Revenue107 398103 29994 97893 505
Revenue from Exchange Transactions1 9411 6883 0743 377
Revenue from Non-Exchange Transactions105 457101 61191 90490 128
Total Expenditure(114 197)(117 421)(121 020)(109 276)
Employee Costs(72 267)(68 155)(57 497)(54 339)
Surplus/(Deficit) for Year(6 798)(14 122)(26 043)(15 772)
Net Cash Flows from Operating Activities11 8241 7941 860(12 917)
Net Cash Flows from Investing Activities(2 815)(4 318)(5 949)(14 735)
Cash & Cash Equivalents at End of Year44 97135 99438 49542 629
Unauthorised Expenditure----
Irregular Expenditure----
Fruitless & Wasteful Expenditure---65
Posts Approved186169169n/a
Posts Filled155153139n/a
SourcesAnnual ReportAnnual ReportAnnual Report n/a

Overseeing Department/Entity

Annual Reports

The information in this directory is supplied and/or externally sourced and is also subject to continual change. If you notice any errors or omissions, please contact us at so that we can correct them.
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