Page 244 - ACCESS BANK ANNUAL REPORTS_eBook

5.1.5 (a)i Concentration by location for loans and advances is measured based on the location of the
Group entity holding the asset, which has a high correlation with the location of the borrower.
Concentration by location for investment securities is measured based on the location of the
issuer of the security.

By geography

Group
December 2017 Nigeria Rest of Europe Others Total
Africa
In thousands of Naira

Cash and balances with banks 543,056,552 54,026,117 276,361,986 80,449,743 953,894,398
Investment under management 20,257,131 - - - 20,257,131
Non pledged trading assets
Treasury bills 33,906,748 3,837,071 - - 37,743,819
Bonds 9,050,894 - - - 9,050,894
Derivative financial instruments 91,071,217 1,029,074 265,547 1,053,455 93,419,293
Loans and advances to banks 1,293,590 - 66,820,486 - 68,114,076
Loans and advances to customers
Auto Loan 3,243,530 206,530 - - 3,450,060
Credit Card 3,263,598 147,029 - - 3,410,627
Finance Lease 3,486,367 1,155,733 - - 4,642,100
Mortgage Loan 4,162,867 359,036 39,100,026 - 43,621,930
Overdraft 142,060,909 42,199,850 - - 184,260,759
Personal Loan 14,613,195 2,524,752 - - 17,137,946
Term Loan 1,165,111,472 39,818,776 34,763,385 - 1,239,693,633
Time Loan 435,157,504 8,181,813 56,431,255 - 499,770,572
Pledged assets
Treasury bills 252,061,738 6,611,077 - - 258,672,815
Bonds 188,441,589 - - - 188,441,589
Investment securities
- Available for sale
Treasury bills 9,598,736 20,378,715 - - 29,977,451
Bonds 28,066,294 16,017,820 - 9,995,254 54,079,368
- Held to Maturity
Treasury bills 5,837,568 82,365,797 - - 88,203,365
Bonds 7,051,660 2,065,195 - 27,473,727 36,590,582
Other assets 31,813,828 14,868,165 - 117,203 46,799,196
Total 2,992,606,986 295,792,550 473,742,685 119,089,382 3 ,881,231,605

244 Access BAnk Plc
Annual Report & Accounts 2017