COVID-19 Impact and Financial Review
Loan Book Breakdown - Stage 1|2|3
Breakdown of Loans & Advances to Customers
N'million
Communication
Stage 1 Stage 2
Stage 3
Total
Stage 1
Stage 2
Stage 3
Total
25,936
1,571
4,014
31,521
82.3%
5.0%
12.7%
2.5%
Oil and Gas
177,433
112,834
19,309
309,576
57.3%
36.4%
6.2%
24.4%
Upstream
70,937
74,926
0
145,864
48.6%
51.4%
0.0%
11.5%
- Downstream
58,835
10,909
18,843
88,587
66.4%
12.3%
21.3%
7.0%
Services
47,661
26,998
467
75,126
63.4%
35.9%
0.6%
5.9%
Power
2,631
125,294
0
127,925
2.1%
97.9%
0.0%
10.1%
Manufacturing
184,759
15,267
9,606
209,632
88.1%
7.3%
4.6%
16.5%
General Commerce
106,789
4,277
4,178
115,244
92.7%
3.7%
3.6%
9.1%
Transport
108,175
26,352
9,949
144,476
74.9%
18.2%
6.9%
11.4%
Consumer
46,853
332
4,012
51,197
91.5%
0.6%
7.8%
4.0%
Government
Construction
136,178
1,100
164
137,442
99.1%
0.8%
0.1%
10.8%
33,138
0
3,863
37,000
89.6%
0.0%
10.4%
2.9%
Agriculture
34,027
685
3,184
37,896
89.8%
1.8%
8.4%
3.0%
Real Estate
25,811
314
383
26,508
97.4%
1.2%
1.4%
2.1%
Education
4,741
435
468
5,644
84.0%
7.7%
8.3%
0.4%
Finance & Insurance
1,739
0
1,743
99.7%
0.0%
0.3%
0.1%
Others
25,379
3,906
2,198
31,483
80.6%
12.4%
7.0%
2.5%
Total
913,588
292,367
61,334
1,267,289
72.1%
23.1%
4.8%
100.0%
% Share of Total
72.1%
23.1%
Coverage Ratio
0.9%
5.1%
4.8%
57.2%
100.0%
4.6%
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