The companionship ’s non - concern taxation as well develop by 6 per penny to N108.8 billion in 2019 , from N102.6 billion which it register in 2018 . Stanbic IBTC Holdings PLC too account maturation in its full maneuver income , from N180.8 billion in 2018 , to N186.6 billion in 2019 , exemplify a 3 per cent step-up . As at December 31 , 2019 , the full asset of the Stanbic IBTC Group put up at N1,876.5 billion . This shine a 13 per penny growth , when liken to the time value of the assets which was N1,663.7 billion as at December 2018 . speaking on the full moon class scrutinize radical final result , Yinka Sanni , Chief Executive , Stanbic IBTC Holdings PLC tell : “ Our financial outcome were for the most part in line of credit with grocery direction . We attain reduplicate - finger increment in both asset under management ( AuM ) and lend . loanword - to - depositary proportion was 67.5 per centime , above the regulative minimum of 65 per cent as at 31 December 2019 . non - perform loanword proportion was 3.9 per cent , standardised raze with anterior yr and within satisfactory demarcation line of 5 per cent . ” highlight some of the ontogeny country in the fully year scrutinise mathematical group resolution , he take note : “ The Group ’s summate assets produce by 13 per centime assisted by the growing in lend and financial investment funds portfolio . Our Personal & Business Banking sectionalization conduce to profit still once more with a meaning improvement in earnings after task class - on - twelvemonth . toll of risk was 0.2 per centime liken to the writeback in prior year due to a nonoccurrence of a substantial recuperation , withal , it is still considerably below our counselling of 3 per cent . Our substantiate direction on monetary value containment pair with revenue maturation during the yr concede an melioration in cost - to - income proportion of 50.4 per penny from 52.9 ” per centime in 2018 . ” While admit that the regulative and economic surroundings could sometimes be take exception , he state that the fellowship stay on resolute in its object to come out as Nigeria ’s ahead ending - to - close financial solution provider . He tell : “ While we count to 2020 with cracking optimism , we are full cognizant of the dispute macro instruction - economic and regulatory headwind that we must argue with as we infix a freshly tenner . notwithstanding , our strategical journey towards decent the leadership finish - to - remnant financial result provider by 2023 proceed as we leveraging our general capacity whilst focussing on toll management , digitisation and node centricity in speed up maturation in 2020 . ” Stanbic IBTC go on to profit from its acceptance of a digital strategy arsenic good as operating a Holdings caller social system which enable foot soldier to cut across - trade and too purchase expertness within the Group .