Investor Presentaiton
-
Financial Highlights – FYE 2021 Contd.
Key Ratios
Earnings per share (EPS)
Return on average equity (ROAE)
Return on average assets (ROAA)
Net interest margin - NIM
Cost of funds
Cost of risk
Cost-to-income ratio
31-Dec-21
31-Dec-20
% change
N7.78
N7.34
6%
20.4%
22.4%
(9%)
2.7%
3.1%
(12%)
6.7%
7.9%
(15%)
1.5%
2.1%
(28%)
1.9%
1.5%
27%
50.8%
50.0%
2%
Liquidity ratio (Group)
71.6%
66.2%
8%
Liquidity ratio (Bank)
61.9%
62.5%
(1%)
Loan-to-deposit ratio (Group)
54.1%
54.7%
(1%)
Loan-to-deposit ratio (Bank)
62.6%
64.5%
(3%)
Capital adequacy ratio (CAR)
21.0%
23.0%
(9%)
Non-performing loan ratio (NPL)
Coverage ratio
4.2%
4.3%
(2%)
114.4%
113.9%
0%
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