Digital Banking and Financial Performance Review
Business Segmentation (Banking Group) -
Description
Group) - FY 2022
Loans
Institutional & Wholesale
9,369+
Customers
N1,445.6 billion
Loans
Commercial
135,634+
Customers
N99.9 billion
Loans
above N20 billion+
Turnover
N739.6 billion
Deposits
Deposits
PBT
Large Corporates, Multinationals,
Energy, Telecoms, Maritime, etc.
77.2%
16.7%
68.1%
N141.8 billion
PBT
78.1%*
24.8%*
63.3%**
under N20 billion
Turnover
Tailor-made solutions and flexibility for
middle-market companies
5.3%
8.6%
6.4%
N378.2 billion
Deposits
N13.3 billion
PBT
5.6%*
10.4%*
4.6%**
under N5 billion
Turnover
Mid-sized enterprises between the
commercial and SME segments
0.6%
3.0%
0.5%
N1.0 billion
PBT
Business Banking
SME
Retail
191,128+
Customers
N11.1 billion
Loans
1.4 million+
Customers
N+55.0 billion
Loans
26.2 million+
Customers
N190.1 billion
Loans
237
Branches
N132.2 billion
Deposits
under N1 billion
Turnover
N573.0 billion
Deposits
Retail-focused
Customer base
N2,570.6 billion
Deposits
47
GTExpress Outlets
Public Sector
*FY 2021, FY 2022
11,363+
Customers
Federal, state & local
governments
N73.9 billion
Loans
N/A*
N/A%*
N/A%**
Caters to small, fledging and
fairly structured businesses
2.9%
13.0%
1.0%
N2.1 billion
PBT
33
e-branches &
Cash Centres
1.7%*
11.7%*
2.2%**
Consumer Lending
N49.0 billion
PBT
10.1%
58.2%
23.6%
1,361
ATMs
10.7%*
52.7%*
28.9%**
Ministries, Departments. &
Agencies (MDAs)
All segments of government
3.9%
0.5%
0.4%
N23.4 billion
Deposits
NO.85 billion
PBT
3.8%*
0.4%*
1.1%**
22
32View entire presentation