These study documents highlight and analyse data relating to the previous six months of NFO operations. They contain key metrics on the performance of each of the NFO’s three divisions (Banking & Credit, Life Insurance, Non-life Insurance) and provide insights into our progress towards our stated goal of upholding financial fairness for South African consumers.

Our Trend Reports also track shifts in industry standards, consumer concerns and attempted fraud, and highlight areas where more attention is required in order to raise service levels, enhance financial literacy, or provide added safeguards against scams. Over time, these Trend Reports will add up to an insightful narrative into the work and impact of the NFO. For more information or press enquiries, please contact us.

*The Trend Report is a semiannual publication from the National Financial Ombud Scheme (South Africa), first published in September 2026.