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Banks threatened by huge exposure to oil groups By our Correspondent

Nigeria’s energy companies that bought oil fields from oil majors when oil was selling for more than $100 a barrel, have been hammered by the crash in oil prices. Now their troubles are taking a toll on the banking sector in the country.
In the two years before crude oil prices began falling in mid-2014; Nigerian banks lent an estimated $10 billion to local oil and gas companies to buy assets from Royal Dutch Shell, Eni and Total as they retreated from the country’s onshore industry.
At the time these loans were celebrated as a milestone for Nigerian finance and a boost to bank portfolios aimed at supporting greater domestic participation in the industry.
Now that the price of Brent crude has fallen by nearly two-thirds to the mid-$40s, much of that lending has become a liability.
“The banks lent way too much,” said a foreign oil executive who observed the wave of acquisitions in 2012-2014. “The assumptions made by the local oil companies were inaccurate. The value of the assets is basically zero with the low oil price”, he said speaking on condition of anonymity. “The whole system is shaking.”
Five Nigerian banks — First Bank, which is Nigeria’s largest bank by assets, Diamond, FCMB, Ecobank and Skye — have issued profit warnings in the past three months.
Only three of them — FCMB, Ecobank and recently First Bank— have issued 2015 results despite the Nigeria Stock Exchange’s requirement that they do so in the first quarter. Ecobank’s full-year post-tax profit was down 73 per cent to $107.5m.
“This is highly unusual going in to the second half of April not to have results from these banks. It’s a pretty big indicator”, said Ronak Gadhia, equity analyst at Exotix.
“They are kicking the can down the road and hoping the oil price will recover” by restructuring the loans, he added.
Most of the country’s 22 licensed commercial banks are exposed to the industry through large syndicated loans, many of which were not hedged, and some of which were poorly collateralised, according to analysts.
In a sign of the times, one of Nigeria’s leading energy firms, Oando, announced in its results statement last month that circumstances “lend significant doubt as to the ability of the corporation to meet its obligations as they come due”. The company bought an oilfield from ConocoPhilips for $1.65bn in July 2014.
Upstream oil and gas and services make up an average of around 28 per cent of the banking sector’s loan books. But Robert Omotunde, analyst at Afrinvest, a Lagos-based investment bank, says at least two banks have made more than 30 per cent of their loans to upstream energy companies — notably First Bank, where oil and gas debt makes up 47 per cent of the total loan book.
In addition to the upstream energy groups, local companies that borrowed in dollars to acquire power plants sold in a government privatisation programme are also struggling to keep up with payments.
There has been “significant restructuring” of energy-related loans since the price of oil began falling, said Adesoji Solanke, head of research for Nigeria at Renaissance Capital.
But for the restructuring, Mr Solanke estimates that the sector’s non-performing loan ratio would be at least 15 per cent. As the central bank says, the ratio stands at 4.65 per cent.
During the 2009 Nigerian banking crisis, more than 30 per cent of loans were classified as non-performing and the Central Bank of Nigeria was obliged to step in with rescue packages and reforms.
The index of Nigerian bank stocks has fallen by 50 per cent in the past 12 months, far further than the broader market decline of 25 per cent.
“The magnitude of losses has been translated directly into how sentiment has been priced into their stocks,” said Mr Omotunde of Afrinvest.
Diamond Bank said last month in its profit warning that deteriorating macroeconomic conditions in the country led it to make “higher than expected impairment charges on loans made to the energy and commercial business sectors.”
“With the reduction of oil prices we have had to extend the tenors of the facilities to reschedule cash flows,” Diamond Bank’s Chief Executive Officer, Udoma Dozie said in an interview. “We have done it once since the crash, and we were concerned that we might have to look at it again when oil was skirting at $30 [per] barrel.”
Even at today’s prices, most of the energy companies concerned are not profitable.
“The banks are well within their rights to restructure their problem loans”, said a former member of the Central Bank of Nigeria’s monetary policy committee. “Except that some of these borrowers should never have gotten loans in the first place.”

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  • Hello! I just wanted to ask if you ever have any trouble with hackers? My last blog (wordpress) was hacked and I ended up losing several weeks of hard work due to no back up. Do you have any solutions to protect against hackers?

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  • Today, I went to the beachfront with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is completely off topic but I had to tell someone!

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  • With havin so much written content do you ever run into any issues of plagorism or copyright infringement? My site has a lot of completely unique content I’ve either written myself or outsourced but it seems a lot of it is popping it up all over the internet without my agreement. Do you know any methods to help stop content from being stolen? I’d really appreciate it.

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  • Today, while I was at work, my cousin stole my apple ipad and tested to see if it can survive a 25 foot drop, just so she can be a youtube sensation. My iPad is now destroyed and she has 83 views. I know this is totally off topic but I had to share it with someone!

  • My programmer is trying to convince me to move to .net from PHP. I have always disliked the idea because of the expenses. But he’s tryiong none the less. I’ve been using WordPress on several websites for about a year and am nervous about switching to another platform. I have heard good things about blogengine.net. Is there a way I can import all my wordpress posts into it? Any help would be really appreciated!

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  • Hey there! I just wanted to ask if you ever have any trouble with hackers? My last blog (wordpress) was hacked and I ended up losing many months of hard work due to no backup. Do you have any methods to protect against hackers?

  • Hello, i read your blog occasionally and i own a similar one and i was just curious if you get a lot of spam responses? If so how do you reduce it, any plugin or anything you can recommend? I get so much lately it’s driving me insane so any support is very much appreciated.

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  • Hi there, i read your blog occasionally and i own a similar one and i was just curious if you get a lot of spam responses? If so how do you protect against it, any plugin or anything you can advise? I get so much lately it’s driving me mad so any assistance is very much appreciated.

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  • Hey there! Do you know if they make any plugins to protect against hackers? I’m kinda paranoid about losing everything I’ve worked hard on. Any suggestions?

  • Please let me know if you’re looking for a writer for your site. You have some really great articles and I feel I would be a good asset. If you ever want to take some of the load off, I’d absolutely love to write some articles for your blog in exchange for a link back to mine. Please send me an e-mail if interested. Thanks!

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  • Good day! I know this is kind of off topic but I was wondering if you knew where I could find a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having trouble finding one? Thanks a lot!

  • My programmer is trying to convince me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using WordPress on various websites for about a year and am concerned about switching to another platform. I have heard very good things about blogengine.net. Is there a way I can transfer all my wordpress posts into it? Any kind of help would be really appreciated!

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  • Currently it appears like Movable Type is the preferred blogging platform available right now. (from what I’ve read) Is that what you are using on your blog?

  • Hi are using WordPress for your site platform? I’m new to the blog world but I’m trying to get started and set up my own. Do you need any coding knowledge to make your own blog? Any help would be really appreciated!

  • Hmm it looks like your blog ate my first comment (it was extremely long) so I guess I’ll just sum it up what I had written and say, I’m thoroughly enjoying your blog. I as well am an aspiring blog writer but I’m still new to the whole thing. Do you have any tips and hints for first-time blog writers? I’d really appreciate it.

  • Hi there! I just wanted to ask if you ever have any problems with hackers? My last blog (wordpress) was hacked and I ended up losing months of hard work due to no back up. Do you have any solutions to protect against hackers?

  • Hey there, I think your website might be having browser compatibility issues. When I look at your blog in Chrome, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, awesome blog!

  • Hello! Would you mind if I share your blog with my twitter group? There’s a lot of people that I think would really appreciate your content. Please let me know. Cheers

  • My coder is trying to persuade me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using Movable-type on various websites for about a year and am anxious about switching to another platform. I have heard good things about blogengine.net. Is there a way I can transfer all my wordpress posts into it? Any help would be greatly appreciated!

  • When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get four emails with the same comment. Is there any way you can remove me from that service? Many thanks!

  • Howdy, i read your blog occasionally and i own a similar one and i was just curious if you get a lot of spam comments? If so how do you stop it, any plugin or anything you can recommend? I get so much lately it’s driving me crazy so any help is very much appreciated.

  • Thanks for the marvelous posting! I quite enjoyed reading it, you might be a great author.I will be sure to bookmark your blog and will often come back in the foreseeable future. I want to encourage you to continue your great work, have a nice day!

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  • Today, I went to the beach with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is entirely off topic but I had to tell someone!

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  • Hi there! I just wanted to ask if you ever have any problems with hackers? My last blog (wordpress) was hacked and I ended up losing a few months of hard work due to no back up. Do you have any methods to stop hackers?

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  • I was curious if you ever considered changing the structure of your blog? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having one or two pictures. Maybe you could space it out better?

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