2009 Annual Report and Financial Statements - UBA Plc

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Risk management report (continued) Non-performing loans by Industry 31 Dec 2009 30 Sep 2008 Industry N’million N’million Agriculture 268 206 Banking/Financial services 3 548 1 071 Capital market 6 320 – Consumer credit (personal & professional) 14 287 3 062 Education 302 82 General commerce 12 218 6 996 Government 412 1 039 Hospitality 303 13 Manufacturing 6 365 381 Oil & gas 1 870 1 698 Others – Services 898 37 Power 1 501 – Real estate & Construction 2 966 559 Telecommunication 162 1 003 Transportation 2 240 52 Grand total 53 658 16 199 Non-performing loans by Geography 31 Dec 2009 30 Sep 2008 Geo-political zone N’m N’m North Central 6 187 1 873 North East 964 437 North West 613 465 South East 1 328 463 South South 6 246 2 095 South West 24 293 10 247 Rest of Africa 14 021 620 Grand total 53 658 16 199 Annual Report 2009 99 Financials
Risk management report (continued) Concentration of risks of fi nancial assets with credit risk exposure (a) Geographical sectors The following table breaks down the Group’s main credit exposure at their carrying amounts, as categorised by geographical region as of 31 December 2009. For this table, the Group has allocated exposures to regions based on the region of domicile of our counterparties. Due from Loans and Debt banks advances instruments Total At 31 December 2009 N’million N’million N’million N’million South South – 54 862 54 862 South West 225 243 402 062 36 520 663 825 South East – 14 233 2 005 16 238 North West – 3 523 3 523 North Central – 68 289 91 442 159 731 North East – 9 557 9 557 Rest of Africa 6 388 68 094 1 817 76 299 New York 238 564 22 835 12 190 273 589 100 Annual Report 2009 470 195 643 456 143 974 1 257 625 At 30 September 2008 South South – 47 032 – 47 032 South West 351 097 283 637 20 634 754 South East – 9 106 – 9 106 North West – 3 097 – 3 097 North Central – 27 537 69 207 96 744 North East – 2 884 – 2 884 Rest of Africa 19 889 27 780 – 47 668 New York 283 883 44 414 – 328 298 654 869 445 487 69 227 1 169 584
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United Bank for Africa Plc RC: 2457
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Deposits (N’Billion) 1500 1200 90
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Group at a glance Countries of oper
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Board of directors 4 Annual Report
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Board of directors (continued) 6 An
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Board of directors (continued) 8 An
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Senior management 10 Annual Report
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Chairman’s statement CHIEF FERDIN
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Chairman’s statement (continued)
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Group Managing Director/Chief Execu
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Review of Group’s fi nancial perf
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Review of Group’s fi nancial perf
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Our products and services Selected
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Corporate social responsibility rep
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Directors’ report for the period
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Directors’ report (continued) •
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Directors’ report (continued) AUD
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Corporate governance report (contin
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Report of the Audit Committee To Me
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Report of the independent auditors
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Accounting policies for the period
Page 51 and 52: Accounting policies for the period
Page 53 and 54: Accounting policies for the period
Page 55 and 56: Consolidated profi t and loss accou
Page 57 and 58: Consolidated cash fl ow statement f
Page 59 and 60: Notes to the consolidated fi nancia
Page 87 and 88: Group fi ve-year fi nancial summary
Page 89 and 90: Risk management report ENTERPRISE-W
Page 91 and 92: Risk management report (continued)
Page 101: Risk management report (continued)
Page 119 and 120: Shareholder information MARKET STAT
Page 121 and 122: Shareholder information (continued)
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Page 125 and 126: Glossary AML Anti Money Laundering
Page 127 and 128: Corporate information (continued) N
Page 129 and 130: Notice of annual general meeting (c
Page 131 and 132: Notes 128 Annual Report 2009
Page 134: e-Dividend mandate form Dear Shareh
Page 137 and 138: Registrars UBA Registrars Limited R
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2009 Annual Report and Financial Statements - UBA Plc

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