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5.1.3 Credit quality
(e ) Credit quality by credit risk rating model
Loans and advances Loans and advances Loans and advances
to Individuals to Corporates to banks

Group
In thousands of Naira
December December December December December December
2017 2016 2017 2016 2017 2016
risk rating (Orr) Model

Auto Loan 1,878,145 2,511,013 1,620,583 2,003,352 - -
Credit Card 3,019,121 3,475,443 453,502 576,553 - 13,599
Finance Lease 1,226,099 60,912 3,620,889 3,946,347 5,484 8,455
Mortgage Loan 33,118,619 24,375,564 10,584,856 5,929,037 - -
Overdraft 2,494,735 5,639,049 199,670,621 181,242,213 1,350,771 647,541
Personal Loan 17,615,988 18,754,870 - - - -
Term Loan 7,175,548 6,964,075 1,269,478,525 1,102,912,471 - 40,930
Time Loan 902,195 721,712 506,996,016 486,052,855 66,799,326 44,515,863

Gross amount 67,430,452 62,502,636 1,992,424,992 1,782,662,828 68,155,581 45,226,388
Collective Impairment (680,786) (1,174,513) (21,401,515) (19,776,052) (41,506) (23,386)
Specific Impairment (413,006) (555,430) (41,372,509) (14,200,296) - -
Carrying amount 66,336,660 60,772,693 1,929,650,967 1,748,686,480 68,114,076 45,203,002

Loans and advances Loans and advances Loans and advances
to Individuals Corporates to banks

Bank
In thousands of Naira
December December December December December December
2017 2016 2017 2016 2017 2016
risk rating (Orr) Model

Auto Loan 1,671,616 2,426,024 1,620,583 2,003,352 - -
Credit Card 2,905,420 3,431,339 418,797 563,357 - 13,599
Finance Lease 63,923 60,912 3,620,889 3,946,347 5,484 8,455
Mortgage Loan 4,230,374 5,053,845 - 18,437 - -
Overdraft 2,367,502 5,033,990 154,534,930 135,065,623 1,350,771 647,541
Personal Loan 15,085,225 17,369,909 - - - -
Term Loan 3,125,406 2,427,653 1,194,329,450 1,032,873,587 - 40,930
Time Loan 804,675 586,531 442,793,354 413,976,953 100,114,252 103,319,435

Gross amount 30,254,138 36,390,205 1,797,318,002 1,588,447,654 101,470,507 104,029,960
Collective Impairment (645,740) (1,039,812) (19,626,902) (19,151,386) (41,506) (23,386)
Specific Impairment (402,318) (405,200) (35,614,441) (9,679,116) - -
Carrying amount 29,206,080 34,945,193 1,742,076,459 1,559,617,153 101,429,001 104,006,574

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