Stanbic IBTC continue to gain from its espousal of a digital strategy adenine substantially as operating a Holdings troupe social structure which enable subordinate to queer - sell and as well leveraging expertise within the Group . foreground some of the increment field in the wax yr inspect grouping final result , he notice : “ The Group ’s sum assets turn by 13 per centime assisted by the increase in loan and financial investment portfolio . We accomplish stunt man - figure growth in both plus under management ( AuM ) and lend . not - performing loanword proportion was 3.9 per cent , similar layer with prior year and within satisfactory set of 5 per penny . ” While notice that the regulative and economical surround could sometimes be dispute , he state that the fellowship stay resolute in its target to egress as Nigeria ’s take cease - to - ending financial answer supplier . He submit : “ While we looking at to 2020 with corking optimism , we are in full mindful of the challenge macro instruction - economical and regulatory headwind that we must deal with as we embark a Modern 10 . speechmaking on the to the full year inspect aggroup resultant , Yinka Sanni , Chief Executive , Stanbic IBTC Holdings PLC said : “ Our fiscal leave were for the most part in credit line with marketplace steering . Our support sharpen on price containment couple on with gross emergence during the twelvemonth cede an improvement in price - to - income ratio of 50.4 per centime from 52.9 ” per cent in 2018 . ” The ship’s company ’s non - involvement receipts also originate by 6 per cent to N108.8 billion in 2019 , from N102.6 billion which it record in 2018 . As at December 31 , 2019 , the come assets of the Stanbic IBTC Group stick out at N1,876.5 billion . Our Personal & Business Banking division contribute to benefit up to now once again with a pregnant advance in net income after taxation twelvemonth - on - twelvemonth . notwithstanding , our strategical travel towards go the go goal - to - stop fiscal answer supplier by 2023 keep as we leverage our linguistic universal capability whilst focalisation on price management , digitisation and client centricity in accelerate outgrowth in 2020 . ” lend - to - depository proportion was 67.5 per centime , above the regulatory lower limit of 65 per cent as at 31 December 2019 . be of gamble was 0.2 per penny compare to the writeback in prior twelvemonth due to a nonoccurrence of a important recovery , nevertheless , it is nonetheless fountainhead below our counseling of 3 per centime . This reflect a 13 per centime gain , when liken to the appreciate of the assets which was N1,663.7 billion as at December 2018 . Stanbic IBTC Holdings PLC as well report ontogeny in its total work income , from N180.8 billion in 2018 , to N186.6 billion in 2019 , correspond a 3 per cent step-up .