Bank NPLs (11) - Technical Analysis on Banks' NPLs - LDR

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Tuesday, May 26, 2020 07:00 AM / by Debtors Africa/ Header Image Credit:  EcoGraphics

 

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F.1 Access Bank LDR 2009-2014

Chart 122: Access Bank LDR 2009-2014

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Source: NSE, Access Bank, Proshare Research

 

Access Bank had a downward trending LDR between 2009 and 2014. Access Bank highest LDR within the time period was +84.2% in Q2 2010 while its lowest LDR was +41.2% in Q1 2012 (see Chart 122).

 

F.1.1 Access Bank LDR 2015-2019

Chart 123: Access Bank LDR 2015-2019

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Source: NSE, Access Bank, Proshare Research


Access Bank recorded an LDR of +53.5% in Q4 2019. Access bank highest LDR within the time period was +81.8% in Q 2017 while its lowest LDR was +53.4% in Q2 2019 (see Chart 123).

 

F.2 Zenith Bank LDR 2009-2014

Chart 124: Zenith Bank LDR 2009-2014

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Source: NSE, Zenith Bank, Proshare Research

 

Zenith bank had an upward trending LDR within the study period. Zenith bank had its highest LDR of +68.16% in Q4 2014 while the lowest LDR of +48.54% the bank had within this period was in Q1 2010 (see Chart 124).

 

F.2.1 Zenith Bank LDR 2015-2019

Chart 125: Zenith Bank LDR 2015-2019

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Source: NSE, Zenith Bank, Proshare Research


Zenith Bank recorded an LDR of +54.1% in Q4 2019. Zenith Bank had a downward trending LDR between 2015 and 2019. The bank had its highest LDR of +90.09% in Q3 2016. The lowest LDR of +50.18 Zenith Bank recorded was in Q1 2019 (see Chart 125). 

 

F.3 UBA LDR 2010-2014

Chart 126: UBA LDR 2010-2014

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Source: NSE, UBA, Proshare Research


UBA had a downward trending LDR between 2010 and 2014. UBA recorded its highest LDR of +53.71% in Q2 2010 while it recorded its lowest LDR of +31.4% in Q1 2013 (see Chart 126).

 

F.3.1 UBA LDR 2015-2019

Chart 127: UBA LDR 2015-2019

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Source: NSE, UBA, Proshare Research


UBA recorded an LDR of +50.3% in Q4 2019. UBA had an upward trending LDR between 2015 and 2019. UBA recorded its highest LDR of +60.3% in Q2 2017 while it recorded its lowest LDR of +45.1% in Q3 2015 (see Chart 127)

 

F.4. FBNH LDR 2010-2014

Chart 128: FBNH LDR 2010-2014

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Source: NSE, FBNH, Proshare Research


FBNH highest LDR recorded during the period was +67.63% in Q4 2014 while its lowest LDR recorded during the period was +55.66% in Q2 2011 (see Chart 128).

 

F.4.1 FBNH LDR 2015-2019

Chart 129: FBNH LDR 2015-2019

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Source: NSE, FBNH, Proshare Research


FBNH recorded an LDR of +46.1% in Q4 2019. FBNH had a downward trending LDR between 2015 and 2019. Its highest LDR recorded during the period was +63.28% in Q2 2015 while the lowest LDR recorded during the period was +39.57% in Q4 2018 (see Chart 129).

 

F.5 GT Bank LDR 2010-2014

Chart 130: GT Bank LDR 2010-2014

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Source: NSE, GT Bank, Proshare Research


GT Bank had an upward trending LDR between 2010 and 2014. GT bank recorded its highest LDR of +77.32% in Q4 2014 while it recorded its lowest LDR of +66.46% in Q4 2012 (see Chart 130).

 

F.5.1 GT Bank LDR 2015-2019

Chart 131: GT Bank LDR 2015-2019

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Source: NSE, GT Bank, Proshare Research

 

GT Bank recorded an LDR of +59.25% in Q4 2019. GT bank had a downward trending LDR between 2015 and 2019. GT bank recorded its highest LDR of +88.05% in Q2 2016 while it recorded its lowest LDR of +49.88% in Q2 2019 (see Chart 131).

 

F.6 ETI LDR 2010-2014

Chart 132: ETI LDR 2010-2014

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Source: NSE, ETI, Proshare Research


ETI had an upward trending LDR between 2010 and 2014. ETI's highest LDR was +69.4% in Q4 2009 while its lowest LDR was +57.9% recorded in Q1 2012 (see Chart 132).

 

F.6.1 ETI LDR 2015-2019

Chart 133: ETI LDR 2015-2019

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Source: NSE, ETI, Proshare Research


ETI recorded an LDR of +50.3% in Q4 2019. ETI had a downward trending LDR between 2015 and 2019. ETI's highest LDR of +69.3% was recorded in Q1 2015 while its lowest LDR of +50.3% was recorded in Q4 2019 (see Chart 133).

 

F.7 Unity Bank LDR 2010-2014

Chart 134: Unity Bank LDR 2010-2014

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Source: NSE, Unity Bank, Proshare Research

 

Unity Bank had an upward trending LDR between 2010 and 2014. Unity Bank recorded its highest LDR of +79.2% in Q4 2014 while it recorded its lowest LDR of +42.6% in Q4 2011 (see Chart 134).

 

F.7.1 Unity Bank LDR 2015-2019

Chart 135: Unity Bank LDR 2015-2019

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Source: NSE, Unity Bank, Proshare Research

 

Unity Bank had a downward trending LDR between 2015 and 2019. Unity Bank recorded its highest LDR of +104.8% in Q3 2017 while it recorded its lowest LDR of +2.6% in Q1 2018 (see Chart 135).

 

F.8 Wema Bank LDR 2010-2014

Chart 136: Wema Bank LDR 2010-2014

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Source: NSE, Wema Bank, Proshare Research

 

Wema Bank had an upward trending LDR between 2010 and 2014.Wema bank recorded its highest LDR of +56.9% in Q4 2014 while it recorded its lowest LDR of +34.66% in Q4 2010 (see Chart 136).

 

F.8.1 Wema Bank LDR 2015-2019

Chart 137: Wema Bank LDR 2015-2019

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Source: NSE, Wema Bank, Proshare Research


Wema Bank recorded an LDR of +50.1% in Q4 2019. Wema Bank recorded its highest LDR of +76.8% in Q4 2017 while it recorded its lowest LDR of +56.58% in Q2 2019 (see Chart 137).

 

F.9 UBN LDR 2012-2014

Chart 138: UBN LDR 2012-2014

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Source: NSE, UBN, Proshare Research


Union Bank had an upward trending LDR between 2012 and 2014. Union Bank recorded its highest liquidity of +53.1% in Q4 2014, while its lowest LDR of +26.7% was recorded in Q3 2012 (see Chart 138).

 

F.9.1 UBN LDR 2015-2019

Chart 139: UBN LDR 2015-2019

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Source: NSE, UBN, Proshare Research


Union Bank recorded an LDR of +62.13% in Q4 2019. UBN had a downward trending LDR between 2015 and 2019. Union Bank recorded its highest liquidity of +70% in Q2 2016, while its lowest LDR of +49.5% was recorded in Q4 2018 (see Chart 139).

 

F.10. FCMB LDR 2010-2014

Chart 140: FCMB LDR 2010-2014

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Source: NSE, FCMB, Proshare Research


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FCMB had a downward trending LDR between 2010 and 2014. FCMB recorded its highest LDR of +102.3% in Q3 2010 while it recorded its lowest LDR of +50.6% in Q1 2013 (see Chart 140).

 

F.10.1 FCMB LDR 2015-2019

Chart 141: FCMB LDR 2015-2019

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Source: NSE, FCMB, Proshare Research

 

FCMB recorded an LDR of +75.9% in Q4 2019. FCMB had a downward trending LDR between 2015 and 2019. FCMB recorded its highest LDR of +99.5% in Q3 2017 while it recorded its lowest LDR of +64.8% in Q2 2019 (see Chart 141).

 

F.11. Sterling Bank LDR 2010-2014

Chart 142: Sterling Bank LDR 2010-2014

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Source: NSE, Sterling Bank, Proshare Research


Sterling Bank had an upward trending LDR between 2010 and 2014. Sterling Bank recorded its highest LDR of +59.07% in Q3 2011 while it recorded its lowest LDR of +39.29% in Q4 2011 (see Chart 142).

 

F.11.1 Sterling Bank LDR 2015-2019

Chart 143: Sterling Bank LDR 2015-2019

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Source: NSE, Sterling Bank, Proshare Research


Sterling Bank recorded an LDR of +69.3% in Q4 2019. Sterling Bank had an upward trending LDR between 2015 and 2019. Sterling Bank recorded its highest LDR of +100.19% in Q3 2017 while it recorded its lowest LDR of +54.61% in Q3 2015 (see Chart 143).

 

F.12. Fidelity Bank LDR 2012-2014

Chart 144: Fidelity Bank LDR 2012-2014

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Source: NSE, Fidelity Bank, Proshare Research


Fidelity Bank had an upward trending LDR between 2012 and 2014. Fidelity Bank highest LDR recorded was +66.06% in Q4 2014 while its lowest LDR was +48.2% in Q4 2012 (see Chart 144). 

 

F.12.1 Fidelity Bank LDR 2015-2019

Chart 145: Fidelity Bank LDR 2015-2019

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Source: NSE, Fidelity Bank, Proshare Research

 

Fidelity Bank recorded an LDR of 92% in Q4 2019. Fidelity Bank had an upward trending LDR between 2015 and 2019. +The highest LDR recorded was +99.16% in Q4 2017 while the lowest LDR was +68.57% in Q1 2015 2012 (see Chart 145).

 

F.13 Stanbic IBTC Bank LDR 2013-2014

Chart 146: Stanbic IBTC Bank LDR 2013-2014

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Source: NSE, Stanbic IBTC Bank, Proshare Research


Stanbic IBTC Bank had an upward trending LDR between 2013 and 2014. Its highest LDR recorded was +71.95% in Q1 2014 while the lowest LDR of +53.00% was recorded in Q1 2013 (see Chart 146).

 

F.13.1. Stanbic IBTC Bank LDR 2015-2019

Chart 147: Stanbic IBTC Bank LDR 2015-2019

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Source: NSE, Stanbic IBTC Bank, Proshare Research

 

Stanbic IBTC Bank recorded an LDR of +83.4% in Q4 2019. Stanbic IBTC Bank had an upward trending LDR between 2015 and 2019. Stanbic IBTC Bank recorded its highest LDR of +83.4% in Q1 2015 while it recorded its lowest LDR of +37.38% was in Q1 2018 (see Chart 147).


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