Page 241 - ACCESS BANK ANNUAL REPORTS_eBook

The Group’s risk profile is assessed through a ‘bottom-up’ analytical approach covering all of the Group’s major businesses and products. The risk appetite is approved by the Board and
953,894,399 20,257,131 37,743,819 9,059,486 148,397,715 68,114,076 3,450,060 3,410,923 4,642,101 43,622,936 184,889,417 17,137,946 499,593,593 258,672,815 188,441,589 29,977,451
1,239,240,650
Total
The Group monitors concentrations of credit risk by sector and by geographic location. An analysis of concentrations of net credit risk at the reporting date is shown below:

Others - - - - - - - - - - - - - - - - -

forms the basis for establishing the risk parameters within which the businesses must operate, including policies, concentration limits and business mix.
Government - 2,330,403 37,743,819 9,031,525 125,038,574 - - - 792 - 5,872 - 252,696,580 - 258,672,815 188,441,589 29,977,451

Retail - - - - - - 2,742,750 2,965,221 1,240,840 33,040,279 2,174,641 17,137,946 7,066,329 884,769 - - -

953,894,399 6,283,077 8,108,304 68,114,076

Bank - 19,464 - - - - - - - - - - -

Commercial - - - 8,497 11,689,840 - 586,865 394,973 2,744,831 5,820,461 119,702,034 - 519,238,682 249,535,770 - - -

Corporate - 11,643,650 - - 3,560,997 - 120,445 50,729 655,638 4,762,196 63,006,869 - 460,239,059 249,173,054 - - -

Credit concentration Group By Sector December 2017 In thousands of Naira Cash and balances with banks Investment under management Non pledged trading assets Treasury bills Bonds Derivative financial instruments Loans and advances to banks Loans and advances to customers Auto Loan Credit Card Finance Lease Mortgage Loan Overdraft Personal Loan Term Loan Time Loan Pledged assets Treasury bills Bonds Investment securities - Available for sal

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