Financial Performance Highlights
Overview Operating Environment Financial Review Guidance
Diversified loan book with focus on asset quality
Gross Loans by Sector
N'million
2020FY
Q1 2021
H1 2021
Government; 11.5%
VAR
% VAR
Consumer; 3.7%
Communication
32,217
29,776
31,170
1,394
4.7%
Oil and Gas
315,155
374,558
411,521
36,963
9.9%
Oil & Gas:
- Upstream
157,939
159,777
167,486
7,708
4.8%
Downstream; 6.7%
Downstream
71,448
99,096
107,664
8,568
8.6%
Transport; 12.4%
Services
85,767
115,685
136,372
20,687
17.9%
Gen. Commerce; 8.9%
Power
134,984
137,672
144,491
6,819
5.0%
% Contribution (H1 2021)
Oil & Gas: Service; 8.5%
Construction; 4.7%
Agriculture; 3.0%
Others; 5.6%
Communication; 1.9%
Oil & Gas: Upstream;
10.4%
Manufacturing; 13.6%
Power; 9.0%
Manufacturing
241,835
207,586
218,433
10,847
5.2%
General Commerce
124,925
127,866
142,384
14,519
11.4%
Transport
159,080
178,868
199,944
21,076
11.8%
Consumer (Individuals)
53,422
54,521
59,794
5,274
9.7%
Government
157,449
187,313
184,616
(2,697)
-1.4%
Government; 11.3%
Construction
44,544
64,309
75,930
11,621
18.1%
Consumer; 3.8%
Agriculture
46,167
43,262
47,491
4,229
9.8%
Oil & Gas:
Real Estate
28,110
29,074
29,240
166
0.6%
Downstream; 5.1%
Education
8,404
6,883
5,411
(1,473)
-21.4%
Transport; 11.4%
Finance & Insurance
3,668
2,028
2,295
267
13.2%
Gen. Commerce; 9.0%
Others
43,665
51,387
Total
1,393,624
1,495,102
53,404
1,606,125
2,017
3.9%
111,023
7.4%
Manufacturing; 17.4%
% Contribution (2020FY)
Oil & Gas: Service; 6.2%
Construction; 3.2%
Agriculture; 3.3%
Others; 6.0%
Communication; 2.3%
Oil & Gas: Upstream;
11.3%
Power; 9.7%
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