Investor Presentaiton
Financial & Non-Financial Highlights
We continued to strengthen our financial position through effective funding
optimization and our drive for operational efficiency during the year
Financials (N' millions)
Total Assets
1,629,129
25.4%
from FY 2020
Loans & Advances
Customer Deposits
711,900
19.3%
from FY 2020
1,208,753
27.1%
from FY 2020
Gross Earnings
142,316
4.8%
from FY 2020
Net Interest Income
65,784
5.9%
from FY 2020
Channels
CASA Deposits
823,587
9.7%
from FY 2020
Operating Expense
72,830
9.9%
from FY 2020
Profit Before Tax
14,474
17.0%
from FY 2020
POS
ATM
USSD
Users
Branches
Customers
Professional
Staff
ATM
0000
*822#
12,383
654
>2.0M
141
>3M
2,404
Ratings
MOODY'S Fitch Ratings
B2
GCR GLOBAL CREDIT RATING DO
BBB
B-
DataPro
Cara Caray
BBB+
Key Ratios
NPL
0.7%
LDR
58.5%
Liquidity
37.9%
Cost of Funds
3.6%
Cost of Risk
1.0%
Coverage Ratio
474.2%
CAR
14.8%View entire presentation