Bank NPLs (9) - Technical Analysis on Banks' NPLs - Liquidity Ratio

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Sunday, May 24, 2020 06:45 AM / by Debtors Africa/ Header Image Credit:  EcoGraphics

 

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D.1 Access Bank Liquidity Ratio 2009-2014

 

Chart 70: Access Bank Liquidity Ratio 2009-2014

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Source: NSE, Access Bank, Proshare Research

 

Access Bank recorded its highest liquidity ratio of +87.6% in Q2 2011 while its lowest liquidity ratio of +32.1% was recorded in Q2 2010 (see Chart 70).

 

D.1.1 Access Bank Liquidity Ratio 2015-2019

 

Chart 71: Access Bank Liquidity Ratio 2015-2019

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Source: NSE, Access Bank, Proshare Research


Access Bank liquidity ratio recorded in Q4 2019 was +46.4%. In the period under review, Access Bank recorded its highest liquidity ratio of +46.4% in Q4 2019 while its lowest liquidity ratio of +28.2% was recorded in Q2 2019 (see Chart 71).

 

D.2. Zenith Bank Liquidity Ratio 2010-2014

 

Chart 72: Zenith Bank Liquidity Ratio 2010-2014

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Source: NSE, Zenith Bank, Proshare Research


In the period under review, Zenith Bank recorded its highest liquidity ratio of +57.24% in Q4 2011 while it recorded its lowest liquidity ratio of +37.74% in Q4 2014 (see Chart 72). 

 

D.2.1 Zenith Bank Liquidity Ratio 2015-2019

 

Chart 73: Zenith Bank Liquidity Ratio 2015-2019

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Source: NSE, Zenith Bank, Proshare Research


Zenith Bank's recorded a liquidity ratio of +56.9% in Q4 2019. Zenith bank liquidity ratio was upward trending between 2015 and 2019. Zenith bank recorded its highest liquidity ratio of +56.9% in Q4 2019 while its lowest liquidity ratio of +36.94% was recorded in Q3 2016 (see Chart 73).

 

D.3. UBA Liquidity Ratio 2010-2014

 

Chart 74: UBA Liquidity Ratio 2010-2014

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Source: NSE, UBA, Proshare Research


UBA liquidity ratio was upward trending between 2010 and 2014. UBA recorded its highest liquidity ratio of +68.7% in Q1 2013 while its lowest liquidity ratio of +45.7% was recorded in Q2 2012 (see Chart 74).

 

D.3.1 UBA Liquidity Ratio 2015-2019

Chart 75: UBA Liquidity Ratio 2015-2019

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Source: NSE, UBA, Proshare Research


UBA recorded a liquidity ratio of +48.1% in Q4 2019. UBA liquidity ratio was upward trending between 2015 and 2019. UBA recorded its highest liquidity ratio of +62.2% in Q2 2019 while its lowest liquidity ratio of +26.6% was recorded in Q3 2017 (see Chart 75). 

 

D.4. FBNH Liquidity Ratio 2010-2014

Chart 76: FBNH Liquidity Ratio 2010-2014

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Source: NSE, FBNH, Proshare Research


FBNH had an upward trending liquidity ratio between 2010 and 2014. Its highest liquidity ratio recorded during the period was +52.2% in Q2 2011 while its lowest liquidity ratio recorded during the period was +35.43% in Q1 2010 (see Chart 76).

 

D.4.1.1 FBNH Liquidity Ratio 2015-2019

 

Chart 77: FBNH Liquidity Ratio 2015-2019

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Source: NSE, FBNH, Proshare Research


FBNH recorded a liquidity ratio of +43.9% in Q4 2019. FBNH had an upward trending liquidity ratio between 2015 and 2019. Its highest liquidity ratio recorded during the period was +59.08% in Q4 2018 while its lowest liquidity ratio recorded during the period was +43.9% in Q4 2019 (see Chart 77). 

 

D.5. GT Bank Liquidity Ratio 2010-2014

Chart 78: GT Bank Liquidity Ratio 2010-2014

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Source: NSE, GT Bank, Proshare Research


GT Bank had a downward trending liquidity ratio between 2010 and 2014. GT Bank recorded its highest liquidity ratio of +44.2% in Q4 2011 while it recorded its lowest liquidity ratio of +26.62% in Q4 2010 (see Chart 78).

 

D.5.1. GT Bank Liquidity Ratio 2015-2019

 

Chart 79: GT Bank Liquidity Ratio 2015-2019

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Source: NSE, GT Bank, Proshare Research


GT Bank recorded a liquidity ratio of +35.3% in Q4 2019. GT Bank had an upward trending liquidity ratio between 2015 and 2019. GT Bank recorded its highest liquidity ratio of +44.87% in Q2 2019 while it recorded its lowest liquidity ratio of +25.46% in Q3 2015 (see Chart 79).

 

D.6. ETI Liquidity Ratio 2009-2014

 

Chart 80: ETI Liquidity Ratio 2009-2014

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Source: NSE, ETI, Proshare Research

 

ETI had a downward trending liquidity ratio between 2009 and 2014. ETI recorded its highest liquidity ratio of +44.5% in Q1 2011 while it recorded its lowest liquidity ratio of +32.4% in Q2 2014 (see Chart 80).


D.6.1 ETI Liquidity Ratio 2015-2019

 

Chart 81: ETI Liquidity Ratio 2015-2019

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Source: NSE, ETI, Proshare Research


ETI recorded a liquidity ratio of +48.5% in Q4 2019. ETI had an upward trending liquidity ratio between 2015 and 2019. ETI recorded its highest liquidity ratio of +49.1% in Q4 2018 while its lowest liquidity ratio of +37.8% was recorded in Q2 2016 (see Chart 81).

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D.7. Unity Bank Liquidity Ratio 2009-2014

 

Chart 82: Unity Bank Liquidity Ratio 2009-2014

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Source: NSE, Unity Bank, Proshare Research


Unity Bank had a downward trending liquidity ratio between 2010 and 2014. It recorded its highest liquidity ratio of +47.4% in Q4 2011, while its lowest liquidity ratio of +20.3% was recorded in Q2 2014 (see Chart 82).

 

D.7.1. Unity Bank Liquidity Ratio 2015-2019

 

Chart 83: Unity Bank Liquidity Ratio 2015-2019

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Source: NSE, Unity Bank, Proshare Research


Unity Bank had an upward trending liquidity ratio between 2015 and 2019. Its highest liquidity ratio of +62.7% was recorded in Q1 2018, while the lowest liquidity ratio of +18.4% was recorded in Q3 2017 (see Chart 83). 

 

D.8. Wema Bank Liquidity Ratio 2010-2014

Chart 84: Wema Bank Liquidity Ratio 2010-2014

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Source: NSE, Wema Bank, Proshare Research


Wema Bank had a downward trending liquidity ratio between 2009 and 2014. Wema recorded its highest liquidity ratio of +72.6% in Q4 2010, while its lowest liquidity ratio of +24.4% was recorded in Q4 2014 (see Chart 84).

 

D.8.1 Wema Bank Liquidity Ratio 2015-2019

 

Chart 85: Wema Bank Liquidity Ratio 2015-2019


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Source: NSE, Wema Bank, Proshare Research


Wema Bank recorded its highest liquidity ratio of +27.9% in Q4 2019, while its lowest liquidity ratio of +15.4% was recorded in Q3 2017 (see Chart 85).

 

D.9. UBN Liquidity Ratio 2010-2014

 

Chart 86: Union Bank Liquidity Ratio 2010-2014

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Source: NSE, UBN, Proshare Research


UBN had a downward trending liquidity ratio between 2012 and 2014. Union bank had its highest liquidity ratio of +68.61% in Q2 2013, while its lowest liquidity ratio of +31.7% was recorded in Q4 2014 (see Chart 86).

 

D.9.1 UBN Liquidity Ratio 2015-2019

Chart 87: Union Bank Liquidity Ratio 2015-2019

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Source: NSE, UBN, Proshare Research


Union Bank recorded a liquidity ratio of +32.3% in Q4 2019. Union bank had an upward trending liquidity ratio between 2015 and 2019. Union bank recorded its highest liquidity ratio of +38.49% in Q2 2019, while its lowest liquidity ratio of +23.62% was recorded in Q2 2015 (see Chart 87).

 

 

D.10 FCMB Liquidity Ratio 2010-2014

 

Chart 88: FCMB Liquidity Ratio 2010-2014

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Source: NSE, UBN, Proshare Research


FCMB recorded its highest liquidity ratio of +51.9% in Q1 2012 while it recorded its lowest liquidity ratio of +18.1% in Q3 2010 (see Chart 88).

 

D.10.1 FCMB Liquidity Ratio 2015-2019

 

Chart 89: FCMB Liquidity Ratio 2015-2019

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Source: NSE, FCMB, Proshare Research


FCMB recorded a liquidity ratio of +32.29% in Q4 2019. FCMB had an upward trending liquidity ratio between 2015 and 2019. FCMB recorded its highest liquidity ratio of +37.2% in Q1 2019 while it recorded its lowest liquidity ratio of +20.5% in Q1 2017 (see Chart 89).

 

D.11. Sterling Bank Liquidity Ratio 2010-2014

 

Chart 90: Sterling Bank Liquidity Ratio 2010-2014

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Source: NSE, Sterling Bank, Proshare Research


Sterling bank had a downward trending liquidity ratio between 2010 and 2014. Sterling bank recorded its highest liquidity ratio of +61.59% in Q4 2011 while it recorded its lowest liquidity ratio of +35.91% was recorded in Q1 2014 (see Chart 90).

 

D.11.1 Sterling Bank Liquidity Ratio 2015-2019

 

Chart 91: Sterling Bank Liquidity Ratio 2015-2019

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Source: NSE, Sterling Bank, Proshare Research


Sterling Bank recorded liquidity ratio of +41.8% in Q4 2019. Sterling Bank had a downward trending liquidity ratio between 2015 and 2019. Sterling bank recorded its highest liquidity ratio of +44.31% in Q4 2015 while it recorded its lowest liquidity ratio of +22.39% was recorded in Q3 2017 (see Chart 91).

 

D.12. Fidelity Bank Liquidity Ratio 2012-2014

 

Chart 92: Fidelity Bank Liquidity Ratio 2012-2014

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Source: NSE, Fidelity Bank, Proshare Research

 

Fidelity Bank recorded its highest liquidity ratio was +56.13% in Q2 2013 while its lowest liquidity ratio was recorded in +44.13% in Q2 2012 (see Chart 92).

 

D.12.1 Fidelity Bank Liquidity Ratio 2015-2019

 

Chart 93: Fidelity Bank Liquidity Ratio 2015-2019

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Source: NSE, Fidelity Bank, Proshare Research


Fidelity Bank recorded liquidity ratio of +43.4% in Q4 2019. Fidelity bank's highest liquidity ratio recorded was +46.82% in Q1 2015 while the lowest liquidity ratio recorded of +37.15% was recorded in Q3 2017 (see Chart 93).

 

D.13. Stanbic IBTC Bank Liquidity Ratio 2013-2014

 

Chart 94: Stanbic IBTC Bank Liquidity Ratio 2013-2014

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Source: NSE, Stanbic IBTC Bank, Proshare Research


Stanbic IBTC Bank highest liquidity ratio recorded was +60.89% in Q4 2014 while it recorded its lowest liquidity ratio of +56.45% in Q2 2013 (see Chart 94). 

 

D.13.1 Stanbic IBTC Bank Liquidity Ratio 2015-2019

 

Chart 95: Stanbic IBTC Bank Liquidity Ratio 2015-2019

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Source: NSE, Stanbic IBTC Bank, Proshare Research


Stanbic IBTC Bank recorded a liquidity ratio of +60% in Q4 2019. Stanbic IBTC Bank highest liquidity ratio recorded was +64.2% in Q4 2017 while it recorded its lowest liquidity ratio of +46.9% in Q4 2015 (see Chart 95).


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2.     Executive Summary PDF - Proshare, May 14, 2020

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