Credit risk management and performance of deposit money banks in nigeria
| YEAR
|
BANK |
ROA |
CADr |
NPLr |
LLPr |
LTDr | ||
|
SIZE | ||||||||
|
|
2013 |
Access Bank Plc |
0.0161 |
0 |
0 |
0 |
0 |
8.85 |
|
|
2014 |
Access Bank Plc |
0.0097 |
0 |
0 |
0 |
0 |
8.9 |
|
1 |
2015 |
Access Bank Plc |
0.0094 |
0 |
0 |
0 |
0 |
9.21 |
|
|
2016 |
Access Bank Plc |
0.022 |
13.04599 |
0.021618 |
0.005549 |
0.130118 |
9.24 |
|
|
2017 |
Access Bank Plc |
0.0154 |
8.778056 |
0.019055 |
0.004547 |
0.100366 |
9.23 |
|
|
2018 |
Access Bank Plc |
0.0202 |
2.047568 |
0.007553 |
0.006634 |
0.078841 |
9.3 |
|
|
2019 |
Access Bank Plc |
0.0273 |
2.048113 |
0.006962 |
0.006937 |
0.080774 |
9.38 |
|
|
2020 |
Access Bank Plc |
0.0231 |
1.141753 |
0.003067 |
0.005889 |
0.041785 |
9.49 |
|
|
2021 |
Access Bank Plc |
0.0081 |
1.798842 |
0.003344 |
0.005151 |
0.007791 |
9.51 |
|
|
2013 |
Citibank Nigeria Limited |
0.0261 |
3.242256 |
0.040755 |
0.032251 |
0.197879 |
8.560455 |
|
|
2014 |
Citibank Nigeria Limited |
0.030454 |
8.611943 |
0.041837 |
0.02965 |
0.220226 |
8.562596 |
|
2 |
2015 |
Citibank Nigeria Limited |
0.025553 |
8.464447 |
0.034421 |
0.026172 |
0.182436 |
8.564828 |
|
|
2016 |
Citibank Nigeria Limited |
0.040665 |
8.651387 |
0.021174 |
0.022153 |
0.031367 |
8.509858 |
|
|
2017 |
Citibank Nigeria Limited |
0.040612 |
6.393055 |
0.017492 |
0.012876 |
0.044624 |
8.531678 |
|
|
2018 |
Citibank Nigeria Limited |
0.039008 |
3.119289 |
0.028182 |
0.019125 |
0.038985 |
8.601911 |
|
|
2019 |
Citibank Nigeria Limited |
0.024596 |
3.474233 |
0.032979 |
0.020473 |
0.022098 |
8.634313 |
|
|
2020 |
Citibank Nigeria Limited |
0.04228 |
1.888994 |
0.037309 |
0.017104 |
0.019554 |
8.780992 |
|
|
2021 |
Citibank Nigeria Limited |
0.054208 |
0.973049 |
0.037382 |
0.022618 |
0.029311 |
8.775106 |
|
|
2013 |
Diamond Bank Plc |
-0.01261 |
4.440811 |
0.096063 |
0.023625 |
0.154084 |
8.811865 |
|
|
2014 |
Diamond Bank Plc |
0.002241 |
6.211237 |
0.106198 |
0.024279 |
0.190115 |
8.772946 |
|
|
2015 |
Diamond Bank Plc |
-0.01724 |
6.830781 |
0.085188 |
0.043923 |
0.168668 |
8.90104 |
|
3 |
2016 |
Diamond Bank Plc |
0.018766 |
2.308499 |
0.071416 |
0.027372 |
0.012954 |
9.071184 |
|
|
2017 |
Diamond Bank Plc |
0.018814 |
1.657388 |
0.059155 |
0.034157 |
0.026818 |
9.181517 |
|
|
2018 |
Diamond Bank Plc |
0.012602 |
1.98693 |
0.028564 |
0.034088 |
0.040677 |
9.243105 |
|
|
2019 |
Diamond Bank Plc |
0.002465 |
0.565037 |
0.016759 |
0.023782 |
0.0407 |
9.191782 |
|
|
2020 |
Diamond Bank Plc |
0.001185 |
0.472511 |
0.032869 |
0.026111 |
0.035302 |
9.220764 |
|
|
2021 |
Diamond Bank Plc |
0.000513 |
0.769437 |
0.046192 |
0.017048 |
0.034505 |
9.229313 |
|
|
2013 |
Eco Bank Nigeria Ltd |
0.025377 |
1.745229 |
0.0359 |
0.011351 |
0.091713 |
8.273452 |
|
|
2014 |
Eco Bank Nigeria Ltd |
0.025433 |
2.182115 |
0.019241 |
0.012421 |
0.111535 |
8.337869 |
|
|
2015 |
Eco Bank Nigeria Ltd |
0.025475 |
2.919022 |
0.009885 |
0.013106 |
0.086174 |
8.393954 |
|
|
2016 |
Eco Bank Nigeria Ltd |
0.025508 |
2.694814 |
0.001775 |
0.00018 |
0.000704 |
8.443617 |
|
4 |
2017 |
Eco Bank Nigeria Ltd |
0.007981 |
2.615854 |
0.059841 |
0.02667 |
0.077893 |
9.164594 |
|
|
2018 |
Eco Bank Nigeria Ltd |
0.016771 |
2.237558 |
0.06999 |
0.031319 |
0.115879 |
9.24869 |
|
|
2019 |
Eco Bank Nigeria Ltd |
0.0063 |
0.914239 |
0.06029 |
0.027062 |
0.100072 |
9.253907 |
|
|
2020 |
Eco Bank Nigeria Ltd |
0.003196 |
1.519594 |
0.00177 |
0.000795 |
0.032389 |
9.257319 |
|
|
2021 |
Eco Bank Nigeria Ltd |
0.011042 |
1.430478 |
0.001945 |
0.000912 |
0.023406 |
9.262394 |
|
|
2013 |
Fidelity Bank Plc |
0.004556 |
13.58174 |
0.055343 |
0.041323 |
0.022178 |
8.7 |
|
|
2014 |
Fidelity Bank Plc |
0.01219 |
16.09392 |
0.06972 |
0.072484 |
0.065116 |
8.68 |
|
|
2015 |
Fidelity Bank Plc |
0.008059 |
13.58271 |
0.056638 |
0.067326 |
0.060332 |
8.87 |
|
|
2016 |
Fidelity Bank Plc |
0.006087 |
8.395969 |
0.027585 |
0.058141 |
0.05093 |
9 |
|
5 |
2017 |
Fidelity Bank Plc |
0.007141 |
9.292375 |
0.034055 |
0.060738 |
0.035596 |
9.03 |
|
|
2018 |
Fidelity Bank Plc |
0.011622 |
3.909685 |
0.028988 |
0.015705 |
0.063386 |
9.07 |
|
|
2019 |
Fidelity Bank Plc |
0.011288 |
4.242519 |
0.02609 |
0.018603 |
0.072709 |
9.09 |
|
|
2020 |
Fidelity Bank Plc |
0.007498 |
3.155783 |
0.016837 |
0.014551 |
0.065556 |
9.11 |
|
|
2021 |
Fidelity Bank Plc |
0.013672 |
3.657553 |
0.001786 |
0.002909 |
0.053726 |
9.14 |
|
|
2013 |
First Bank of Nigeria Plc |
0.006254 |
1.625 |
0.013361 |
0.00248 |
0.088958 |
6.3 |
|
|
2014 |
First Bank of Nigeria Plc |
0.01239 |
0.824176 |
0.028543 |
0.014486 |
0.088168 |
6.37 |
|
|
2015 |
First Bank of Nigeria Plc |
0.006516 |
0.464543 |
0.029735 |
0.013237 |
0.080349 |
6.46 |
|
6 |
2016 |
First Bank of Nigeria Plc |
0.024014 |
1.627974 |
0.030367 |
0.012496 |
0.060849 |
6.5 |
|
|
2017 |
First Bank of Nigeria Plc |
0.226519 |
1.459369 |
0.027172 |
0.012002 |
2.678643 |
5.49 |
|
|
2018 |
First Bank of Nigeria Plc |
0.019748 |
1.476076 |
0.000695 |
0.001854 |
3.539939 |
5.46 |
|
|
2019 |
First Bank of Nigeria Plc |
0.007708 |
1.588542 |
0.000911 |
0.001091 |
3.442187 |
5.45 |
|
|
2020 |
First Bank of Nigeria Plc |
0.028126 |
4.014719 |
0.00069 |
0.00086 |
1.630838 |
5.43 |
|
|
2021 |
First Bank of Nigeria Plc |
0.0344 |
4.192609 |
0.00052 |
0.000648 |
1.485245 |
5.43 |
|
|
2013 |
Guarantee Trust Bank Plc |
0.030176 |
2.598358 |
0.054534 |
0.021237 |
4.582405 |
9.01 |
|
|
2014 |
Guarantee Trust Bank Plc |
0.044311 |
0.830075 |
0.052109 |
0.021221 |
5.5397 |
9.03 |
|
|
2015 |
Guarantee Trust Bank Plc |
0.040062 |
0.84303 |
0.047523 |
0.020065 |
5.014218 |
9.18 |
|
|
2016 |
Guarantee Trust Bank Plc |
0.064004 |
0.777196 |
0.053156 |
0.024188 |
0.042853 |
9.21 |
|
7 |
2017 |
Guarantee Trust Bank Plc |
0.044921 |
0.370349 |
0.030927 |
0.011929 |
0.041293 |
9.28 |
|
|
2018 |
Guarantee Trust Bank Plc |
0.041931 |
1.351555 |
0.030596 |
0.011798 |
0.040565 |
9.33 |
|
|
2019 |
Guarantee Trust Bank Plc |
0.041406 |
3.218908 |
0.01797 |
0.003577 |
0.041613 |
9.36 |
|
|
2020 |
Guarantee Trust Bank Plc |
0.048534 |
2.885531 |
0.036961 |
0.019636 |
0.032852 |
9.42 |
|
|
2021 |
Guarantee Trust Bank Plc |
0.057093 |
1.88843 |
0.061417 |
0.039853 |
0.051972 |
9.45 |
|
|
2013 |
Stanbic IBTC Bank Plc |
0.018906 |
8.084275 |
0.057298 |
0.036107 |
0.10194 |
5.519828 |
|
|
2014 |
Stanbic IBTC Bank Plc |
0.020963 |
7.264494 |
0.038549 |
0.022488 |
0.101487 |
5.571257 |
|
|
2015 |
Stanbic IBTC Bank Plc |
0.017268 |
7.078057 |
0.015173 |
0.013723 |
0.081933 |
5.734217 |
|
|
2016 |
Stanbic IBTC Bank Plc |
0.014523 |
7.045729 |
0.016026 |
0.019901 |
0.861161 |
4.860386 |
|
8 |
2017 |
Stanbic IBTC Bank Plc |
0.110503 |
0.592136 |
0.015993 |
0.016608 |
1.026586 |
4.877377 |
|
|
2018 |
Stanbic IBTC Bank Plc |
0.173594 |
0.704154 |
0.01914 |
0.014073 |
0.945115 |
4.87893 |
|
|
2019 |
Stanbic IBTC Bank Plc |
0.130049 |
0.707107 |
0.017293 |
0.012079 |
0.168839 |
4.880253 |
|
|
2020 |
Stanbic IBTC Bank Plc |
0.007999 |
1.021029 |
0.022939 |
0.010482 |
0.194089 |
4.881573 |
|
|
2021 |
Stanbic IBTC Bank Plc |
0.32954 |
1.407125 |
0.023747 |
0.009183 |
0.193331 |
4.882889 |
|
|
2013 |
Sterling Bank Plc |
-0.03239 |
5.346027 |
0.056884 |
0.028062 |
1.095115 |
8.31 |
|
|
2014 |
Sterling Bank Plc |
0.016097 |
5.771482 |
0.100271 |
0.029755 |
1.307171 |
8.41 |
|
|
2015 |
Sterling Bank Plc |
0.013706 |
5.033249 |
0.07262 |
0.026 |
1.176299 |
8.7 |
|
|
2016 |
Sterling Bank Plc |
0.011984 |
1.393449 |
0.048892 |
0.014251 |
0.031981 |
8.76 |
|
9 |
2017 |
Sterling Bank Plc |
0.011701 |
0.434012 |
0.062878 |
0.019796 |
0.056781 |
8.85 |
|
|
2018 |
Sterling Bank Plc |
0.010921 |
0.497862 |
0.031337 |
0.027313 |
0.0622 |
8.92 |
|
|
2019 |
Sterling Bank Plc |
0.012875 |
1.646357 |
0.030189 |
0.026638 |
0.027479 |
8.9 |
|
|
2020 |
Sterling Bank Plc |
0.006236 |
2.575595 |
0.030058 |
0.026359 |
0.061867 |
8.92 |
|
|
2021 |
Sterling Bank Plc |
0.007911 |
2.765988 |
0.035537 |
0.026575 |
0.072794 |
9.03 |
|
|
2013 |
Union Bank of Nigeria Plc |
-0.0642 |
8.165518 |
0.084243 |
0.041113 |
0.10034 |
6.04 |
|
|
2014 |
Union Bank of Nigeria Plc |
0.140729 |
15.15886 |
0.062965 |
0.028885 |
0.17267 |
5.92 |
|
|
2015 |
Union Bank of Nigeria Plc |
-0.09274 |
13.11074 |
0.198036 |
0.06179 |
0.176487 |
5.92 |
|
10 |
2016 |
Union Bank of Nigeria Plc |
0.003576 |
11.41419 |
0.199561 |
0.061744 |
0.094684 |
5.95 |
|
|
2017 |
Union Bank of Nigeria Plc |
0.005806 |
12.20121 |
0.193551 |
0.058353 |
0.0366 |
5.95 |
|
|
2018 |
Union Bank of Nigeria Plc |
0.022212 |
1.885919 |
0.211884 |
0.069517 |
0.077965 |
5.97 |
|
|
2019 |
Union Bank of Nigeria Plc |
0.018017 |
1.251626 |
0.057558 |
0.030451 |
0.089123 |
6 |
|
|
2020 |
Union Bank of Nigeria Plc |
0.014139 |
2.054919 |
0.023913 |
0.015665 |
0.081203 |
6.05 |
|
|
2021 |
Union Bank of Nigeria Plc |
0.009618 |
1.899123 |
0.0776 |
0.021581 |
0.04697 |
6.13 |
|
|
2013 |
United Bank for Africa Plc |
0.001534 |
1.931105 |
0.076187 |
0.025803 |
0.037999 |
6.19 |
|
|
2014 |
United Bank for Africa Plc |
0.00037 |
2.076054 |
0.072525 |
0.030249 |
0.029271 |
6.21 |
|
|
2015 |
United Bank for Africa Plc |
-0.00497 |
1.858987 |
0.070102 |
0.031087 |
0.017799 |
6.29 |
|
11 |
2016 |
United Bank for Africa Plc |
0.019294 |
1.77271 |
0.007469 |
0.001436 |
0.033664 |
6.35 |
|
|
2017 |
United Bank for Africa Plc |
0.020963 |
1.659787 |
0.009914 |
0.000892 |
0.028152 |
6.35 |
|
|
2018 |
United Bank for Africa Plc |
0.017138 |
1.14401 |
0.006984 |
0.00609 |
0.024282 |
6.37 |
|
|
2019 |
United Bank for Africa Plc |
0.021496 |
1.96004 |
0.011575 |
0.006865 |
0.025985 |
6.35 |
|
|
2020 |
United Bank for Africa Plc |
0.01872 |
2.011158 |
0.010651 |
0.006012 |
0.030842 |
6.4 |
|
|
2021 |
United Bank for Africa Plc |
0.014475 |
1.439757 |
0.010285 |
0.000981 |
0.026153 |
6.47 |
|
|
2013 |
Zenith Bank of Nigeria Plc |
0.012414 |
13.17128 |
0.023362 |
0.025323 |
0.025852 |
9.22 |
|
|
2014 |
Zenith Bank of Nigeria Plc |
0.01796 |
12.67714 |
0.029579 |
0.02405 |
0.05465 |
9.25 |
|
|
2015 |
Zenith Bank of Nigeria Plc |
0.019041 |
10.85798 |
0.033673 |
0.022779 |
0.072762 |
9.34 |
|
|
2016 |
Zenith Bank of Nigeria Plc |
0.039314 |
8.539126 |
0.0224 |
0.023873 |
0.070332 |
9.39 |
|
12 |
2017 |
Zenith Bank of Nigeria Plc |
0.028976 |
3.41565 |
0.013697 |
0.010929 |
0.063916 |
9.46 |
|
|
2018 |
Zenith Bank of Nigeria Plc |
0.031901 |
3.219828 |
0.006619 |
0.004759 |
0.070934 |
9.57 |
|
|
2019 |
Zenith Bank of Nigeria Plc |
0.03135 |
4.355145 |
0.001688 |
0.00176 |
0.065946 |
9.6 |
|
|
2020 |
Zenith Bank of Nigeria Plc |
0.03307 |
2.49679 |
0.005196 |
0.003016 |
0.027074 |
9.68 |
|
|
2021 |
Zenith Bank of Nigeria Plc |
0.031801 |
1.370851 |
0.013342 |
0.010577 |
0.054371 |
9.75 |
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