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  • Nigerian Banks Record ₦265bn in Revenue From e-Business

    Nigerian Banks Record ₦265bn in Revenue From e-Business

    When compared with the total sum of ₦213.204 billion recorded in 2022, the banks’ revenue earned from e-business during the same period in 2023 increased by 24.42%.

    Income from e-business is earned from electronic channels, card products, and related services which include mobile applications, USSD channels, automated teller machines (ATMs), agency banking, internet banking, and point of sales (POS) payments.

    The recent figures have indicated steady growth in e-business income for Nigerian financial institutions as banks have progressed to tap the benefits that come with adapting to digital economy.

    This comes amid the shift in customer interest from traditional banking methods to the increasing popularity of mobile and online banking in Nigeria. This has, in turn, led to a corresponding increase in banks’ revenue as more customers have turned to these channels to access financial services.

    According to the report, Access Holdings Plc with earnings of ₦70.350 billion, and United Bank for Africa Plc (UBA) with an e-business income of ₦61.161 billion emerged the top two earners during the period in review.

    Access Holdings’ income grew by 42.41% from ₦49.399 billion generated in 2022 while UBA’s profit also witnessed a growth of 33.77% compared to ₦45.720 billion recorded in the previous year.

    Other banks that made profits in e-business revenue include Guaranty Trust Holding Company PLC (GTCO Holdings) with an e-business income of ₦30.906 billion. This amount indicated an increase of 14.7%, compared to ₦26.945 billion generated in 2022.

    First Bank of Nigeria Limited reported an e-business income of ₦48.789 billion. The bank’s e-business income grew by 18% from ₦39.977 billion recorded in 2022.

    Zenith Bank Plc’s income of ₦33.551 billion from e-business during the period indicated a decrease of 7.5% when compared with the sum of ₦36.069 billion recorded in the previous year.

    It is interesting to note that the five banks mentioned above recorded a combined sum of ₦244.757 billion and represents 92.26% of the total sum of ₦265.269 billion generated in the first nine months of 2023.

    Other banks include;

    Sterling Financial Holdings – ₦6.304 billion

    Wema Bank – ₦5.207 billion

    Stanbic IBTC- ₦3.242 billion

    Fidelity Bank- ₦2.848 billion

    Unity Bank-₦2.215 billion

    Jaiz Bank- ₦696 million

  • UBA Appoints Ghana’s Abiola Bawuah as First Female CEO for Africa Operations

    UBA Appoints Ghana’s Abiola Bawuah as First Female CEO for Africa Operations

    Abiola Bawuah has been appointed as the new chief executive officer (CEO) of the United Bank for Africa Plc. 

    Bawuah, a Ghanaian national, is the first female CEO of UBA Africa.

    The bank, in a statement on Monday said Bawuah would also join the group board as an executive director, overseeing its operations across the African continent.

    Bawuah’s appointment, According to UBA, further demonstrates the bank’s commitment to diversity as the group board now includes eight female directors.

    Prior to the appointment, Bawuah held the role of the CEO, UBA Ghana.

    She was also the regional CEO, West Africa, supervising the group’s operations in nine subsidiaries, including Benin, Burkina Faso, Côte d’Ivoire, Ghana, Guinea, Liberia, Mali, Senegal, and Sierra Leone.

    Speaking on the new appointment, Tony Elumelu, group board chairman said Bawuah has made significant contributions to the company’s growth.

    “Abiola has contributed significantly to the growth of UBA Africa for close to a decade. She brings a wealth of experience in commercial banking and stakeholder engagement,” the entrepreneur said.

    “It also gives me great pleasure that with her appointment, the UBA group board has now become a majority female board.”

    Meanwhile, UBA also announced Chris Ofikulu as the regional CEO, UBA West Africa.

    The bank said Ofikulu has over two decades of banking experience spanning corporate, commercial, and retail banking.

    Also, Theresa Henshaw, who was previously the deputy managing director (DMD), business development, UBA America, was appointed as the CEO, UBA UK, subject to local regulatory approvals.

    Other appointments include Uzoechina Molokwu, who will take on the role as DMD, UBA Ghana, subject to local regulatory approvals; while Ayokunle Olajubu will be the managing director and CEO, UBA Liberia, also subject to local regulatory approvals.

    “Usman Isiaka, currently CEO, UBA Sierra Leone, will be the deputy CEO of UBA America, subject to local regulatory approvals,” the bank added.

    “Adeyemi Adeleke, the former CEO of UBA, UK is now the group treasurer. Adeleke will be working to unlock the immense value in the group’s multi-jurisdictional balance sheet, leveraging its presence in 24 countries within and beyond Africa.”

    In addition to the executive appointments, UBA  announced the retirement of Samuel Oni, an independent non-executive director, from the board following the expiration of his tenure.

    Oni joined UBA group in January 2015 and served on the board of the group for eight years.

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  • The Tony Elumelu’s Top Seven Rules For Success

    The Tony Elumelu’s Top Seven Rules For Success

    He’s an economist by training, a visionary entrepreneur and a philanthropist.

    He’s the Chairman of Heirs Holdings, the United Bank for Africa, Transcorp and founder of The Tony Elumelu Foundation.

    Tony Elumelu is a Nigerian economist, entrepreneur, and philanthropist. He is the chairman of Heirs Holdings, the United Bank for Africa, Transcorp and founder of The Tony Elumelu Foundation.

    The banking tycoon founded The Tony Elumelu Foundation after he retired as chairman of the United Bank for Africa to prove that the African private sector can be the primary generator of economic development. Through TEF Entrepreneurship Programme, the foundation trains and funds 1,000 African entrepreneurs every year to start and grow their businesses.

    Today, we’ll reveal the business philosophies behind his huge success that every ambitious entrepreneur should follow. Here are the Top 7 rules for success from the man who coined the term “Africapitalism”, Tony Elumelu:

    1. Stay focused

    According to Elumelu, entrepreneurship is a long term journey. “Stop seeing it as a short term journey. Great entrepreneurs or companies didn’t build their businesses overnight. It’s a long term journey. So dare to dream, implement your dream and stay focused.”

    2. Have a vision

    Talking about his illustrious career in banking, which saw him lead one of the largest mergers in the banking sector in Sub-Saharan Africa, Elumelu once said, “I grew up with certain beliefs and motivations, one of which is: when you envision and take a position to make that vision come through, then significant opportunities will crystalise.”

    “We saw a banking industry that was growing very fast, and we didn’t think the requisite human capital capacity was available to support the continued support of these banks. So we took an early position in putting in place a company that would help guarantee the survival of banks, and when an opportunity presented itself, we were ready for it.”

    3. Read and execute

    Elumelu is an avid reader who tries to see learning points when reading fiction or nonfiction materials. According to him, people generally conceptualise ideas based on history or social environmental factors and influences, so young people need to read a lot. “I’d recommend autobiographies for many entrepreneurs out there who are looking for role models,” he said.

    “Secondly, when you have a dream, you have to execute that dream by working hard, which is what differentiates a successful person from someone who isn’t successful. Combining the ability to read with the mentality to translate an idea into reality will guarantee your success in life,” he added.

    4. Seize your opportunities

    According to Elumelu, when running a business, entrepreneurs must be quick and fast in their ideas to know when an opportunity presents itself and how to seize it. “They say that success, to a large extent, depends on being at the right place at the right time, and this philosophy has helped us many times to take advantage of a situation and turn things around.”

    5. Be disciplined

    According to Elumelu, being financially diligent starts with being prepared even before a crisis hits. “Growing up, my dad always told me that if you earn a dollar and don’t save, when you earn a billion-dollar, you won’t save anything. And so that discipline of investment, keeping something and not consuming everything has helped me significantly.”

    6. Work hard

    According to Elumelu, hard work is what separates a dreamer from an achiever. Combining the ability to work hard and work smart increases productivity on another level. “I say to people who work with me that there is no substitute for hard work. Today, we hear many people talk about “working smart”, but I prefer a combination of working hard and working smart. So my message to entrepreneurs is to work hard to actualise their dreams.”

    7. Impact others

    According to Elumelu, people should not measure one’s success in the amount of money they have in the bank but how they’ve truly impacted others. Speaking about the TEF Entrepreneurship Programme, Elumelu said, “Early on in my career, I realised that entrepreneurship was critical to the development of this continent. And as a successful African private sector business leader, I knew I needed to promote entrepreneurship so that we could have more successful business leaders in Africa. This was why we started the Tony Elumelu Foundation.”

    The Tony Elumelu Foundation through the help of its partners now empowers beyond the initial 1,000 entrepreneurs. Last year, TEF’s Entrepreneurship Programme empowered 4,949 entrepreneurs from across Africa, with a 68% representation of female entrepreneurs, which was a huge milestone.

  • The Top 5 Best Performing Banks in Nigeria in 2022

    The Top 5 Best Performing Banks in Nigeria in 2022

    The research is courtesy Nairalytics, an arm of Nairamterics

    It shows the net revenue of banks against, their gross profit tax expenditure, and operating expenses

    A new report has shown, which of the thirteen Nigerian banks recorded the highest revenues in the first half of 2022.

    According to Nairalytics, the research department of Nairametrics, the thirteen Nigerian banks listed on the Nigeria Exchange raked in N501.13 billion net profit in the first half of 2022.

    This revenue is 13% more than last year’s, within the same period in review. This revenue is also despite the economic issues that have plagued Nigeria in the past few months since the year began, including, high inflation rates, devaluation of the naira, and an increased interest rate.

    These banks managed to do well despite compromises such as reducing working hours to minimize operating costs.

    Below is a list of five of the best performing banks this year thus far, according to Nairametrics;

    Zenith Bank: Zenith Bank is the best performing bank this year, recording a net revenue of N111.41 billion. Its gross profit is N404.76 billion. Both numbers denote an increase for the bank from last year’s performance.

    Last year, the bank experienced a 5% increase in its net profit, within the period in review, which came in at N106.12 billion. Also in its gross, it experienced a 17.1%increase. Its cost of operation grew by 26.8% year-on-year to N123.78 billion, while personnel expenses increased by 5.7% to N39.74 billion.

    Tax expenses for this bank rose by 69.9% from N10.94 billion to N18.59 billion.

    Access Bank: Following behind is Access Bank which had a revenue of N88.74 billion. The bank grew by 2.1% in profit margins this year compared to its last year’s revenue of N86.94 billion in the same six months.

    Its gross margins grew significantly by 31.4%. The bank experienced a surge in its operating expenses including, personnel expenses increasing by 33.9% to N58.27 billion while other operating expenses surged by 40.2% year-on-year to N176.71 billion.

    Guarantee Trust Holding: Coming in third is Guarantee Trust Holding, which had a revenue of N77.58 billion. This bank unlike the previous two banks mentioned experienced a decline of 2.3% in its bottom line. Last year, Guarantee Trust Holding raked in N79.42 billion within the first six months.

    This decline could be a result of the surge in the bank’s operating cost, which was N63.57 billion, 17% higher than the N54.34 billion it expended in the same period last year.

    Tax expenses also increased by 88.3% to N25.69 billion in the period under review.

    United Bank of Africa (UBA): This bank recorded N70.33 billion in net revenue in the first half of 2022. Unlike GTA, the bank saw a significant increase in its profit margin compared to the same period in 2021. UBA had a 16.1% increase, shooting from N60.58 billion in 2021 to N70.33 billion in 2022.

    Personnel expenses surged by 22.7% to N52.29 billion, and other operating expenses increased by 22.6% to N96.57 billion.

    Tax expenses for this bank in the first half of the year fell by 1.2% to N15.42 billion when compared to last year, in the period under review.

    First Bank of Nigeria: At number 5 is one of Nigeria’s premier banks, First Bank. This bank made N56.6 billion in the first half of 2022. Of all the banks listed here, First Bank experienced the most growth from last year to this year. In the first half of 2021, the bank made N38.09 billion compared to its 56.6 billion this year, a 48.6% increase in retrospect.

    As for personnel expenses the bank spent N55.31 billion, an increase of 7.9% when compared to last year. Operating expenses jumped by 32.7% to N116.78 billion.

  • Elumelu, Others Seek More Investments in Digital Infrastructure

    Elumelu, Others Seek More Investments in Digital Infrastructure

    Mr Tony Elumelu, Chairman, Heirs Holdings, and other Information and Communication Technology (ICT) stakeholders on Wednesday called for the scaling up of Nigeria’s digital infrastructure.

    The News Agency of Nigeria (NAN) reports that the expo, which is in its 8th year, had as its theme: “Ensuring Efficient Digital Infrastructure in Nigeria.”

    Elumelu said the growth of the country’s Fintech indicated the need to rapidly scale up the digital infrastructure, seeing that in 2021, Nigeria’s Fintech startups raised about 730 million dollars in investments.

    He, however, noted that the country’s internet base was barely half of its population at the start of 2022 with 51 per cent internet penetration, 44 per cent broadband penetration and 54 per cent 3G coverage.

    He said the deployment of the 5G network spectrum in rural areas was currently low and presented huge opportunities for the private sector to drive economic growth in the informal sector, which dominated rural activities.

    He stressed that private participation was needed to spur the adoption and use of broadband.

    “There must be preferential taxation for providers who agree on specific universal access targets.

    “There’s also the need to review spectrum policies, provide more license spectrums and focus more on transparency initiative to reduce uncertainty around long-term investments for private investors.

    “Heirs holdings is uniquely positioned to work with ICT industry stakeholders on specialised financing for ICT infrastructure projects, amongst others, seeing that digital infrastructure is the growth catalyst for modern economies,” he said.

    Prof. Mohammad Abubakar, Managing Director, Galaxy Backbone Ltd., (GBB), said public-private partnership (PPP) was essential to providing efficient digital infrastructure in accelerating digital transformation, through collaborations and effective communication across borders.

    Abubakar was represented by Mr Dauda Oyeleye, Group Head, Business Development, GBB.

    He said to further solidify GBB the company created an Enterprise Business Group (EBG) tasked with the sole responsibility of managing private customers as well as structured partnerships.

    He stated that GBB had a pervasive fibre connectivity network across the nation, which the private sector could key into.

    “We have established partnerships with managed service providers, real estate developers, as well as other local organisations to reach the goal of attaining a digital Nigeria.

    “Our state-of-the-art infrastructure has been instrumental in sealing these deals and the partnerships just keep getting better.

    “GBB has taken steps to secure public confidence in the use of its digital infrastructure, through trusted international third-party attestations and would continue to redefine collaboration within and outside the country,” he said.

    Dr Michael Olawale-Cole, President, LCCI, said the theme was in view of the fact that the Federal Government had announced a target of 40 billion dollars private capital investment in digital infrastructure by 2025, beside facilitating about 1 billion dollars in private equity.

    He added that government recently inaugurated the National Council on Infrastructure, with a plan to double Nigeria’s infrastructure stock of the Gross Domestic Product (GDP) from the prevailing 35 per cent to about 70 per cent.

    The LCCI president said the 2022 ICTEL EXPO would give deserved focus to digital infrastructure because, over the decades, next to corruption, poor infrastructure was Nigeria’s greatest socio-economic development challenge.

    “The ones commonly focused on are power, roads, water but we dare say, however, that as critical as the listed ones and indeed others not listed are, if Nigeria gets digital infrastructure right, the benefits to the nation’s ICT sector and on government’s digital economy agenda would be enormous.

    “The 2022 ICTEL EXPO will also create a platform for all stakeholders to engage in robust discussions on government’s plans to grow the digital economy from 10.68 per cent to 12.54 per cent and improve e-governance by 100 per cent by 2025,” he said.

     

    Source- News Agency of Nigeria

  • UBA, Fuelling Growth of Customers Through Structured Lending

    UBA, Fuelling Growth of Customers Through Structured Lending

    It is not contestable that emerging markets like Nigeria have a lot to achieve by helping individuals and businesses, take root and thrive.

    This is because the country can only develop better and survive economically under a thriving SME culture as well as an economy where the purchasing power of its citizens are enhanced through well-structured bank lending as report have it that SMEs account for over 80 per cent of enterprises in the world and are responsible for 50 to 60 per cent of employment.

    Borrowing money is often a fact of adult life which gives flight to the dreams of an individual by helping them actualise that vision or project. Almost everyone needs to take out a loan at some point. Maybe it’s for a new home, college tuition, investments, or maybe it’s to start a business.

    Whatever the reason you have to borrow money, professional financing options are many and varied nowadays. They range from traditional financial institutions, like banks, credit unions, and financing companies, to Internet Age creations, like peer-to-peer lending (P2P).

    However, despite the generally acknowledged role of banks’ lending to Individuals and SME’s which in returns helps fostering economic growth and development, they have continued to face a variety of constraints in Nigeria chiefly among them is lack of access to appropriate funds from both the banks.

    This is due to the perception of high risks resulting in poorly prepared project proposals, inadequate collateral, absence of verifiable history of past credits and lack of adequate historical records of the company’s transaction.

    For the purpose of emphasis, non-banking financial corporations, traditional banks, government institutions and crowdfunding are multiple options where business operators can apply for loans.

    One of the traditional banks with well-tailored, multiple loan options for individuals and businesses worthy of mention is the United Bank for Africa. The bank has proven to be innovative enough to help individuals and businesses in Nigeria and across Africa weather the storm with several loan facilities that helped change the narrative and eventually catalyse growth.

    The best performers in terms of lending to individuals and businesses in first quarter of the year include United Bank for Africa (UBA) Plc, Access Bank Plc, FBN Holdings Plc, FCMB Holdings Plc, Fidelity Bank Plc, Stanbic IBTC Holdings Plc, and Wema Bank Plc. It is worthy of note that UBA did well to pull its weight firmly behind customers and business in 20 African countries which helped in a great way to keep them afloat at a turbulent time occasioned by COVID 19 and most recently inflation from the Ukraine / Russia war.

    “Banks are the source of this type of finance. As a result of risk management considerations, bankability of requests is a major factor in credit creation. Of course, banks will usually observe the canons of lending when granting credits. If the economic environment is conducive and prospect is bright, the confidence to grant credit to borrowers will be high because repayment is guaranteed,” he said.

    According to him, the volume of credit granted in Q1, 2021 by banks rose because of increase in economic activities.

    “Fund users demanded more credit during the period to ramp up their products and services to cover increased consumer pull. The demand on banks for credit also resulted in increased borrowing by banks from Central Bank of Nigeria (CBN) during the period.

    “The supply gap in the economy is still huge and this will increase demand for bank credit. As a result, banks like UBA is poised to create more credit this year to meet the rising Gross Domestic Product (GDP) growth rate revised from 1.5 per cent to 2.7 per cent,” he added.

    Speaking on the bank’s recent loan position and consequent determination to buoy the nation’s SME sector, Group Managing Director, Oliver Alawuba, said “Our passion for individuals, Small Businesses and great ideas has never been in doubt and is evident in the firm support given the business community as our loan products are tailored specifically to meeting the varying needs of all our customers.

    Continuing, Alawuba said, “Despite the tumultuous impact of Covid-19 pandemic globally and across our 24 countries of operation, we created N519.0 billion additional loans as we continued to support our customers and their businesses. Customer deposits grew 48.1% to N5.7 trillion, driven primarily by additional N1.8 trillion in retail deposits. As a global bank, we remain well capitalized and determined to successfully drive financial inclusion on the continent through our innovative products and vast network. Our capital adequacy and liquidity ratios came in at 22.4% and 44.3%, well above the respective regulatory minimum of 15.0% and 30.0%.

    Speaking on the bank’s strategy, he said, “Our primary strategy will continue to focus on providing excellent services from our customers’ standpoint, putting the customer first always. Looking ahead, I am inspired by the achievements we have made since the launch of our transformation programme. We have expanded market share considerably across the geographies where we operate and are consolidating our digital banking leadership in Africa. We will continue to leverage our diversified business model and dedicated workforce to further strengthen our position as ‘Africa’s Global Bank’.”

    Also on the performance, the Group Chief Financial Official, Ugo Nwaghodoh said, “The persistent low interest rate environment in 2020 exerted significant downward pressure on margins. Notwithstanding, our interest income for the year grew by 5.7% (to N427.9 billion), driven by 8.2% and 7.5% year-on-year growth on interest income on loans and investment securities respectively. Our interest expense declined by 8% (to N168.4billion) driven largely by a 34.2% decline in interest expense on customer deposits in our Nigerian operations, bringing down the Group’s cost of funds to 2.9%, from 4% in 2019.

    While giving an insight to the bank’s array of loan products, supporting individuals, helping them actualise their dream projects and most importantly changing the dynamics in the industry, Group Head Consumer Lending, Anant Rao recently spoke about some of the products and intrinsic benefits to customers as he said UBA has a handful of Loan offerings that continue to impact individuals greatly by fuelling their dreams, ambitions and most importantly transforming their lives. “No bank comes close in terms of our offerings that I can categorically say. UBA continues to take the lead in supporting the lives of individuals who have had their lives effectively transformed for good.

    Take for example, the uniqueness of the Senior Citizens Loan which is designed to support Pensioners within the ages of 55- 70 years. They can get up to N10 million to start a retirement project, travel the world and do much more with a convenient repayment period up to 36 months

    There is also the UBA Personal Loans, Auto Loans, Asset Finance and Mortgage Loan. Speaking about the Personal Loans, Anant said: “It is a product designed to aid the finance of the daily needs of our customers. Available to employees whose salaries and other emoluments are being paid through UBA or who are willing to transfer their accounts to UBA.

    “Here, required documents include letter of introduction and awareness from employer, copy of customer’s staff ID, copy of customer’s Valid ID, duly accepted offer letter and duly filled loan application form.’’

    The UBA Personal Loan – Direct is a variant of UBA Personal Loan product targeted at civil servants whose salaries are not domiciled with UBA. The product is designed to offer personal loans to civil servants who have difficulties in changing their salary accounts from other banks to UBA.

    This loan is available to Federal civil servants that are enrolled on IPPIS platform, state civil servants (this will be limited to states whose salaries are managed by ICT firm). The required documents include duly filled loan application form, a copy of customer’s staff ID, a copy of customer’s valid ID and customer’s instruction letter.

    He explained that Asset Finance, one of its products, was designed to facilitate the purchase of physical assets ranging from household appliances to alternative power solutions and devices by our retail customers through approved partnering vendors, giving them the convenience to pay over a period.

    The bank listed the required documents as letter of introduction and awareness from employer, copy of customer’s staff ID, copy of a customer’s valid ID, proforma invoice in UBA/customer’s name and duly filled loan application form as well as accepted offer letter.

    UBA Mortgage Loan is a product designed to part-finance the acquisition of residential real estate by salary earners whose employers are listed on the bank’s approved counterparty list.

    “The product is targeted at High-Net-Worth Individuals (HNIs) with predictable and sustainable income. The product is to enable customers buy fully developed properties or draw equity from their home as loans for specific purposes,” the bank said.

    UBA FX Cash Backed Loan is a term loan designed for Nigerians with funded domiciliary accounts with the bank. Customers can get up to 10 million naira for investment purposes or to meet the financial needs of relatives in Nigeria. The required documents include; Funded domiciliary account, Duly completed loan application form, valid means of Identification (international passport, national driver’s license, national id card and voter’s card

    Also, the UBA Working Capital loan offers up to N50million to help business owners meet their cash flow needs and expand their business. A flexible collateral cover will be required depending on the loan amount and the nature of customer’s business.

    This loan product is targeted at customers with verifiable credit net worth whose cash flow patterns meet the requirement for lending and other structured groups/business clusters

    There are also the UBA Asset Finance for SMEs, the UBA School Loans and the UBA Health Loan.

    “It is a medium-to-long term facility aimed at meeting working capital, asset and mortgage needs of registered privately-owned schools. The bouquet comprises a four-month time loan, a three-year asset finance loan and a 10-year mortgage loan.

    Other variety of loan offerings tailored specifically to meet the needs of different individuals also include Auto Loans where customers can get up to N15 million for part-financing of brand new vehicles for customers whose salaries are domiciled with the Bank. Vehicles purchased will be in the name of UBA/Customer’s name. and they are available for all car models at selected dealer shops nationwide. The Required Documents are as follows; Letter of introduction and awareness from employer, copy of customer’s staff ID, Copy of customer’s valid ID, Proforma invoice in UBA/customer’s name, Duly filled loan application form and accepted offer letter.

    With a UBA Credit Card, customers are free to spend up to N3 million and have the option to pay as low as 0% interest when you repay within 45 days. UBA customers can withdraw cash both locally and internationally, make online bill payments, shopping, hotel reservations and enjoy amazing discounts at partner restaurants & hotels, lounge access, etc across the world.

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