Improving Banking Supervisory Mechanisms
In the OIC Member Countries
107
Figure 90: Profitability of the Banking Sector, Nigeria
Source: Bankscope
Figure 91: Loan Decomposition, Nigeria
Source: Bankscope
o Algeria
Algeria, similar to Turkey, has a relatively lower fraction of loans in total assets with the
majority of assets held in other forms which are not directly identified in the Bankscope
database. Risk-weights are not provided in the database for Algeria, however we do not see a
significant deviation from other selected OIC member countries.
Securities are again predominantly in the form of “available for sale” which suggest a healthy
liquidity position. Loans are mostly extended, higher than OIC average, to the corporate sector,
which is the preferred distribution of loans. Liabilities are dominated by customer deposits
and profits mainly rely on interest income, therefore there is no significant deviation from the
general pattern observed in selected OIC member countries.
Net Interest
Income
63%
Net Gains on
Trad. and Der.
6%
Non-Interest
Operating
Income
31%
Profitability of the Banking Sector
Other Consumer
Retail Loans (%
of G. Loans)
5%
Corporate &
Commercial
Loans (% of G.
Loans)
41%
Other Loans
(% of G.
Loans)
54%
Loan Decomposition