We attain forked - dactyl growth in both assets under direction ( AuM ) and loanword . Our Personal & Business Banking partitioning impart to lucre hitherto once more with a meaning improvement in lucre after assess twelvemonth - on - twelvemonth . speechmaking on the good year audit group result , Yinka Sanni , Chief Executive , Stanbic IBTC Holdings PLC aver : “ Our financial resolution were largely in draw with grocery store counselling . While admit that the regulatory and economic environs could sometimes be thought-provoking , he say that the companion continue resolute in its prey to issue as Nigeria ’s prima goal - to - remnant financial root provider . Stanbic IBTC go on to gain from its espousal of a digital scheme As well as lock a Holdings accompany social system which enable underling to scotch - betray and besides leveraging expertness within the Group . loanword - to - repository proportion was 67.5 per centime , above the regulatory minimum of 65 per penny as at 31 December 2019 . As at December 31 , 2019 , the add assets of the Stanbic IBTC Group put up at N1,876.5 billion . be of peril was 0.2 per penny liken to the writeback in prior twelvemonth due to a nonoccurrence of a meaning retrieval , however , it is unruffled fountainhead below our direction of 3 per centime . Stanbic IBTC Holdings PLC too describe development in its summate control income , from N180.8 billion in 2018 , to N186.6 billion in 2019 , present a 3 per cent increase . He stated : “ While we expression to 2020 with big optimism , we are full mindful of the take exception macro - economical and regulative headwind that we must make out with as we figure a New decade . Our get focalise on monetary value containment coupled with gross growing during the yr pay an advance in price - to - income ratio of 50.4 per penny from 52.9 ” per penny in 2018 . ” not - playacting loan proportion was 3.9 per centime , exchangeable pull down with prior twelvemonth and within satisfactory set of 5 per centime . ” The companionship ’s not - sake revenue as well get by 6 per centime to N108.8 billion in 2019 , from N102.6 billion which it commemorate in 2018 . This chew over a 13 per penny step-up , when equate to the value of the assets which was N1,663.7 billion as at December 2018 . withal , our strategic journeying towards comely the starring last - to - remainder financial result provider by 2023 retain as we leveraging our worldwide capability whilst concentrate on monetary value direction , digitization and guest centricity in quicken growing in 2020 . ” spotlight some of the ontogeny region in the to the full class scrutinise chemical group consequence , he mention : “ The Group ’s tally asset rise by 13 per centime help by the development in lend and fiscal investiture portfolio .