Page 231 - ACCESS BANK ANNUAL REPORTS_eBook

December 2016 103,319,435 - - - - 648,871 - - - - 61,654 - 104,029,960 (23,386) - 104,006,574 December 2016 130,383,150 3,668,990 1,253,384 20,467,138 155,772,662 - - 155,772,662
Loans and advances to Banks - - - - - - - - - - Fair Value - -

December 2017 100,114,041 1,273,337 83,127 101,470,506 (41,506) 101,429,001 December 2017 77,838,681 1,796,922 187,071 12,567,546 92,390,219 92,390,219
The external rating equivalent refers to the equivalent ratings for loans and advances by credit rating agencies. These instruments are neither past due nor impaired

December 2016 138,494,537 171,528,084 190,643,315 250,427,658 236,768,708 428,534,577 82,264,705 53,294,762 3,335,377 6,411,633 4,339,649 22,404,651 1,588,447,656 (19,151,386) (9,679,116) 1,559,617,154 Derivative Financial Instruments December 2016 499,960,107 28,635,979 9,728,383 160,447,229 698,771,698 - - 698,771,698

Loans and advances to Corporates December 2017 124,748,995 199,561,424 139,252,419 204,193,692 326,358,842 486,875,939 120,122,240 66,497,470 28,786,043 2,394,057 78,327,340 20,201,543 1,797,318,004 (19,626,902) (35,614,441) 1,742,076,661 Gross Nominal December 2017 314,229,021 7,385,190 3,078,492 66,105,562 390,798,265 - - 390,798,265

Loans and advances to Individuals December 2016 December 2017 - - - - - - - - 698,134 183,059 33,111,826 28,559,373 577,003 477,807 - - - - 542,663 419,132 833,271 72,018 627,308 542,749 36,390,205 30,254,138 (1,039,812) (645,740) (405,200) (402,318) 34,945,193 29,206,080

risk rating 1 2+ 2 2- 3+ 3 3- 4 Non-Investment 5 Non-Investment 6 Non-Investment 7 Non-Investment 8 Non-Investment risk rating 1 2 2+ 2- The external rating equivalent refers to the equivalent ratings for loans and advances by credit rating agencies.

Credit quality by risk rating class In thousands of Naira Grade External Rating Equivalent Investment Investment Investment Investment Standard Standard Standard Gross amount Collective Impairment Specific Impairment Carrying amount Grade External Rating Equivalent Investment Investment Investment Investment Gross amount Collective Impairment Specific Impairment Carrying amount

AAA-A
Bank
CCC
AAA
BBB
BB+
BBB
BB-
AA
AA
BB
B-
A
A
D
C
B
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Annual Report & Accounts 2017