Investor Presentaiton
Equity and Capital Adequacy
Overall, we maintained a healthy capital position well above regulatory limits
Equity (N'b)
Share capital Share premium Retained earnings Others
136
120
102
98
144
$56
4.6%
142
2500
25
35
25
43
43
43
43
43
33
14
14
2017
2018
14
14
14
2019
2020
2021
Items (N'mn)
Dec. 2021
Dec. 2020
Tier 1 capital*
117,154
104,390
Tier 2 capital**
24,273
34,797
Shareholders funds grew by 4.6% to N142 billion
(FY 2020: N136 billion) driven by growth in retained
earnings.
Total regulatory capital
141,427
139,187
Overall, the Bank's capital adequacy ratio stood
at 14.8% as at December 2021 on the back of
asset growth.
Risk-weighted assets
951,825
771,981
Tier 1 ratio
12.31%
13.52%
Tier 2 ratio
2.55%
4.51%
Capital adequacy ratio
14.8%
18.0%
Notes: *Tier 1 capital includes ordinary share capital, share premium, retained earnings, and other regulatory adjustments relating to items that are included in equity
but are treated differently for capital adequacy purposes. **Tier 2 Capital includes qualifying subordinated debt, and element of the fair value reserve relating to
unrealized gains on equity instruments classified as Fair Value Through Other Comprehensive Income.
Sterling Towers
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