Accesscorp Geographical Contributions to Earning:
1. Nigeria margin collapse: Nigeria generated 58% of external revenue but only 29% of PBT in H1 2026. In H1 2025 it was 66% revenue and 47% PBT. Impairment in Nigeria still ₦48.7 billion (70% of Group), interest expense N825bn.
2. International is now the profit engine: ₦461 billion revenue -> ₦244.7 billion PBT = 53% margin vs Nigeria 7.2% margin (121bn / 1,669bn). Total assets International ₦18.08 trillion (33% of Group before elimination), deposits ₦12.69 trillion.
3. Rest of Africa very efficient: ₦760 billion revenue -> ₦218.8 billion PBT = 28.7% margin. Assets ₦10.66 trillion, deposits ₦7.58 trillion.
4. Asset distribution: Nigeria ₦29.48 trillion (53.5%), International ₦18.08 trillion (32.8%), RoA N10.66trn (19.3%) before elimination. Net assets: Nigeria ₦3.16 trillion, International ₦1.95 trillion, RoA ₦1.23 trillion.