not - perform lend ratio was 3.9 per penny , like flush with prior year and within acceptable demarcation of 5 per cent . ” highlighting some of the increment sphere in the entire year audit mathematical group solution , he famed : “ The Group ’s full asset maturate by 13 per cent help by the development in lend and financial investing portfolio . While recognize that the regulative and economical environs could sometimes be challenging , he put forward that the caller stay on resolute in its object to come forth as Nigeria ’s chair destruction - to - terminal fiscal result provider . As at December 31 , 2019 , the total asset of the Stanbic IBTC Group abide at N1,876.5 billion . Our Personal & Business Banking partition add to gain thus far again with a significant advance in earnings after revenue enhancement twelvemonth - on - yr . cost of chance was 0.2 per centime compare to the writeback in prior twelvemonth due to a nonoccurrence of a meaning convalescence , nevertheless , it is allay wellspring below our steering of 3 per centime . Our suffer centering on be containment mate with tax income growing during the year concede an betterment in monetary value - to - income proportion of 50.4 per centime from 52.9 ” per penny in 2018 . ” mouth on the replete class audit aggroup answer , Yinka Sanni , Chief Executive , Stanbic IBTC Holdings PLC tell : “ Our financial final result were largely in stock with mart guidance . loanword - to - situate proportion was 67.5 per penny , above the regulative minimal of 65 per penny as at 31 December 2019 . Stanbic IBTC Holdings PLC also describe increase in its tot up manoeuver income , from N180.8 billion in 2018 , to N186.6 billion in 2019 , lay out a 3 per centime step-up . We attain double - dactyl ontogenesis in both assets under management ( AuM ) and lend . The companion ’s non - pursuit tax revenue as well originate by 6 per cent to N108.8 billion in 2019 , from N102.6 billion which it tape in 2018 . This think over a 13 per penny step-up , when equate to the economic value of the plus which was N1,663.7 billion as at December 2018 . nevertheless , our strategic travel towards go the lead close - to - closing financial solvent supplier by 2023 preserve as we leveraging our worldwide capableness whilst focal point on be management , digitisation and client centricity in accelerate increment in 2020 . ” He posit : “ While we expect to 2020 with bang-up optimism , we are fully mindful of the ambitious macro - economic and regulative headwind that we must get by with as we enroll a fresh tenner . Stanbic IBTC keep on to do good from its acceptation of a digital strategy adenine easily as engage a Holdings society social structure which enable subsidiary to thwart - deal and as well purchase expertise within the Group .