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Staff Profile

Dr Tom Cronje

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Senior Lecturer
Office of the Provost
Faculty of Business and Law
Bentley Campus
08 9266 3416


Tom Cronje is a Senior Lecturer in the Finance and Banking Department.  He has extensive practical industry experience and completed specialised courses like Credit Risk Management and Bank Financial Management presented by international bank training institutions like the Belgium Bankers Acadamy.

His expertise in banking has been acknowledged by his previous appointment on the National Standard Generating bodies for Banking and Insurance in South Africa, as well as the Faculty Board for Finance and Credit of the South African Institute for Bankers.


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Memberships, Awards and Training


South African Institute for Management Scientists


1989 - Academic Honours from the University of Pretoria.

1990 - Roll of Honour, Trust Bank of Africa Limited, for the national best performance in Credit Training Courses.

1997 - Recipient of an ABSA Management Award.

1997 - Recipient of the ASBA Chief Executive's Award for excellent contribution to the success of the company.

2007 - Paper presented at the 19th South African Institute of Management Scientists conference at the Sandton Convention Centre, Johannesburg, South Africa, selected as the best paper.

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Employment History

Tom was a credit training manager in the banking sector during 1989 to 1990. He worked in the banking sector again from 1994 to 1999 and started as a Credit Manager at the regional level to whom a number of branches reported with regard to their credit function.

He was later on requested to take over the credit training function of the ABSA Banking Group that had 35000 employees. International Banking training was also afterwards added to his portfolio. He and his team introduced a total new credit training methodology based on compulsory South African Institute of Banker papers which included practical training in regions and in-company live response television training. 

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At present he lectures the units International Finance, Bank Management and Bank Lending.

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Research Fields

    Commerce, Management, Tourism and Services

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Research Interests

Profitability of banks and the management of financial and operational risks

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Specialty Areas

Primarily banks but also other financial institutions, different financial instruments, and markets.

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Journal Articles (Research)

  • Atahau, A. D. R., and T. Cronje. 2017. "Does diversification lead to better loan portfolio returns? Empirical evidence from indonesian banks." DLSU Business And Economics Review 26 (2): 25-40.


Journal Articles (Research)


Journal Articles (Research)


Conference Articles (Research)

  • Cronje, J., and J. Xia. 2011. "Electronic commerce - Australian business research challenges." In International Telecommunications Society 5th Africa-Asia-Australasia Regional Conference, Nov 13, 2011, Curtin University, Bentley, Perth, Western Australia: Communication Economics and Electronic Markets Research Centre.


Journal Articles (Research)

Conference Articles (Research)

  • Mayall, P., and J. Cronje. 2010. "Using the technology of simulation to teach good banking practices." In International Conference on Information Communication Technologies in Education, Jul 8, 2010, Corfu, Greece: University of Fraser Valley.


Journal Articles (Research)

Conference Articles (Research)


Journal Articles (Research)

  • Cronje, J. 2007. "Assessing the relative efficiency management of South African banks." Management Dynamics 16: 11-23.

Conference Articles (Research)

  • Cronje, J. 2007. "An assessment of financial ratio analysis and data envelopment analysis in comparing the relative profitability of banks." In International Banking Conference, Oct 8, 2007, Sun City, South Africa: Content Solutions.
  • Cronje, J. 2007. "Efficiency management challenges faces by South African banks." In Southern Africa Institute for Management Scientists, Sep 19, 2007, Johannesburg, South Africa: University of Johannesburg.


Journal Articles (Research)

  • Cronje, J. 2003. "The efficiency of South African banks:a non-parametric approach." South African Business Review 7 (1): 32-40.


Conference Articles (Research)

  • Cronje, J. 2002. "Credit assessment-quantifying unemployment risk in volatile industries." In 50th Anniversary Financial Conference, Apr 11, 2002, Svishtov, Bulgaria: DA Tsenov Academy of Economics.
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keyboard_arrow_downAdditional publication categories



  • Cronje, J.. "Bank Lending." Australia: McGraw-Hill Education. Inpress.
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