Investor Presentaiton
Healthy Risk Assets Portfolio
NPL Coverage Ratio
NPL Ratio
143.4%
192.4%
148.2%
113.9%
114.4%
2017
2018
2019
2020
2021
5.0%
4.7%
4.3%
4.3%
4.2%
2017
2018
2019
2020
2021
Our Risk Management Strategy
■ The Group adopts a complete and integrated approach to
risk management that is driven from the Board level to the
operational activities of the bank.
■ Risk management is practiced as a collective responsibility
coordinated by the risk control units and is properly
segregated from the market facing units to assure
independence.
■ The process is governed by well defined policies and
procedures that are subjected to continuous review and are
clearly communicated across the group.
■ There is a regular scan of the environment for threats and
opportunities to improve industry knowledge and
information that drives decision making.
■ The group maintains a proactive approach to business and
ensures an appropriate balance in its risk and reward
objectives.
■ Risk culture is continuously being entrenched through
appropriate training and acculturation.
© 2021 ZENITH BANK PLC | Full Year Group Results Presentation to Investors & Analysts | Page 27View entire presentation