Financial Performance Highlights
Overview Operating Environment Financial Review Guidance
Non-performing loans (NPL) analysis
NPL Analysis
2020FY
H1 2021
VAR
% VAR
2020FY
H1 2021
N'million
N'million
N'million
%
NPL Ratio
NPL Ratio
Communication
Oil and Gas
1,932
1,940
7
0.4%
6.0%
6.2%
4,469
4,130
(340)
-7.6%
1.4%
1.0%
- Oil & Gas Upstream
0
0.0%
0.0%
0.0%
- Oil & Gas Downstream
3,559
2,836
(722)
-20.3%
5.0%
3.6%
- Oil & Gas Services
911
1,293
383
42.0%
1.1%
0.9%
Power
0
0
0
25.0%
0.0%
0.0%
Manufacturing
3,290
3,074
(216)
-6.6%
1.4%
1.4%
General Commerce
6,221
4,708
(1,513)
-24.3%
5.0%
3.3%
Transport
16,562
9,434
(7,128)
-43.0%
10.4%
4.7%
Consumer (Individuals)
3,636
3,055
(581)
-16.0%
6.8%
5.1%
Government
30
23
(7)
-24.0%
0.0%
0.0%
Construction
797
1,441
644
80.8%
1.8%
1.9%
Agriculture
3,877
4,966
1,090
28.1%
8.4%
10.5%
Real Estate
36
170
133
366.1%
0.1%
0.6%
Education
566
598
32
5.6%
6.7%
11.1%
Finance and Insurance
598
636
38
6.3%
16.3%
27.7%
Others
11,035
11,316
282
2.6%
25.3%
21.2%
Total
53,050
45,491
(7,559)
-14.2%
3.8%
2.8%
24
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