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Bank var by risk type December 2017
In thousands of Naira Average High Low Actual

Foreign exchange risk 620,677 2,274,938 17,391 631,477
Interest rate risk 334,481 1,379,604 190,525 309,754
Total 955,158 3,654,542 207,916 941,231

Bank December 2016
Average High Low Actual

Foreign exchange risk 19,275 198,717 31 11,309
Interest rate risk 564,918 1,492,932 84,051 393,917
Total 584,193 1,691,649 84,082 405,226

The table below sets out information on the exposure to fixed and variable interest instruments.

exposure to fixed and variable interest rate risk
Group
In thousands of Naira

31 December 2017 Fixed Floating Non-interest Total
bearing
ASSETS N'000 N'000 N'000 N'000
Cash and balances with banks 261,805,783 - 692,138,393 953,944,176
Non pledged trading assets 46,794,713 - 59,348 46,854,061
Derivative financial instruments - - 93,419,293 93,419,293
Loans and advances to banks 68,114,076 - - 68,114,076
Loans and advances to customers 27,256,401 1,968,731,226 - 1,995,987,627
Pledged assets 447,114,404 - - 447,114,404
Investment securities:
– Available-for-sale 84,056,819 - 69,316,991 153,373,810
– Held-to-maturity 124,793,947 - - 124,793,947

TOTAL 1,059,936,143 1,968,731,226 854,934,025 3,883,601,394

LIABILITIES
Deposits from financial institutions 450,196,970 - - 450,196,970
Deposits from customers 1,172,733,890 1,072,145,186 - 2,244,879,076
Derivative financial instruments - - 5,332,177 5,332,177
Debt securities issued 302,106,706 - - 302,106,706
Interest-bearing borrowings 267,572,158 44,045,029 - 311,617,187

TOTAL 2,192,609,724 1,116,190,215 5,332,177 3,314,132,116

260 Access BAnk Plc
Annual Report & Accounts 2017