Investor Presentaiton
Loan Book Quality
900.0
Continued strong growth in the loan book while credit quality remains stable
Loan Book Growth (GHC'million)
800.0
49.6
700.0
43.3
600.0
69.1
500.0
400.0
751.5
300.0
619.8
507.9
200.0
100.0
0.0
2017
2018
2019
Gross Loans
Provisions
Commentary
Net loan book growth is up 22% from GHC577 million to
GHC701mn in 2019
This was largely driven by an aggressive drive to grow the loan
portfolio and competitive advantage due to delay in payment
of monthly deduction by controller
10.0%
NPL Ratio and Cost of Risk
8.8%
7.3%
5.0%
5.4%
4.6%
3.7%
0.0%
2017
2018
2019
Cost of Risk
NPL Ratio
December 2019 results unaudited
Strictly Private & Confidential
Commentary
ŷ Steady credit performance evidenced by a decrease in the cost
of risk from 5,4% in 2018 to 4,6% in 2019
This was largely driven by an increasing higher quality loan book
The NPL ratio reduced from 8.8% in 2018 to 7.3% in 2019 due to
continuous improvement in overall collections levels and
recovery activities
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