United Bank for Africa Plc, the pan African financial institution with a network that spans 20 African countries, the United Kingdom, the USA and with presence in Paris, has announced impressive performance in its unaudited 2019 Third Quarter Financial Results, with significant growth in Gross Earnings, which rose to N428.22 billion, representing a 14.2 percent increase when compared to N374.8billion recorded in September 2018.
UBA’s Profit Before Tax grew by 24.2% to N98.2billion, up from N79.1billion in the same period of 2018. Similarly, its after tax net profit also grew significantly by 32.3% from N61.69billion recorded in September last year to N81.63billion in the period under consideration. This profit performance puts the Bank’s annualised return on average equity at 20.6%.
According to the report filed with the Nigerian Stock Exchange (NSE) on Monday, UBA’s net operating income improved by 11.6 percent year-on-year to N265.99 billion compared to N238.36 billion achieved in the similar period of 2018.
Despite the double digit inflation rate in Nigeria (its largest market) coupled with uncertainties in the business environment in Nigeria and in some countries in the rest of Africa, UBA’s curtailed operating expenses only increased by 8.4 percent and this was largely due to regulatory costs.
The Bank continues to maintain a very strong balance sheet, with Total Assets of N4.96 trillion, an increase over the N4.87 trillion recorded in December 2018. Customer Deposits also grew to N3.37trillion. The shareholders’ fund remained very strong at N555.53 billion, rising by 10.5% and reflecting a strong capacity for internal capital generation.
Commenting on the results, the Group Managing Director/CEO, UBA Plc, Kennedy Uzoka, said: “The resilience of our business model and our focused growth of earning assets have yielded a 10.8% growth in interest income. In addition to the commendable yield on interest earning assets, we also achieved a 22.1% growth in non-interest income, driven largely
by the increased penetration of our superior digital banking offerings, credit
expansion, remittances and other lifestyle transactional services.”
by the increased penetration of our superior digital banking offerings, credit
expansion, remittances and other lifestyle transactional services.”
“UBA remains committed to its vision of becoming the undisputed leading and dominant financial services institution in Africa. We will continue to innovate and lead in all our business segments, whilst delivering top-notch operational efficiencies and best-in-class customer service. We are beginning to realise early gains from our ongoing Transformation Program and I am indeed excited about the days ahead,” Uzoka stated.
Also throwing more light on the bank’s financial performance and position, the Group CFO, Ugo Nwaghodoh said “with the results achieved
in the quarter under consideration, the bank remains on track to deliver its
earnings target for the year. We were able to grow the loan book by 14.7%,
(well ahead of our guidance) focusing on growth poles of various economies in which we operate. We have also developed new credit products targeted at specific consumer and SME market segments, and will continue to do so with strict adherence to best credit/underwriting standards, as we strive to achieve the statutory loan-to-funding ratio threshold set by the apex bank”.
in the quarter under consideration, the bank remains on track to deliver its
earnings target for the year. We were able to grow the loan book by 14.7%,
(well ahead of our guidance) focusing on growth poles of various economies in which we operate. We have also developed new credit products targeted at specific consumer and SME market segments, and will continue to do so with strict adherence to best credit/underwriting standards, as we strive to achieve the statutory loan-to-funding ratio threshold set by the apex bank”.
UBA is one of Africa’s leading banks with operations in 20 African countries. The bank also has presence in the global financial centres of London, New York and Paris. UBA provides banking services to more than 17 million customers globally, through diverse channels.
Hello,MD uba this to forward our Community complain of Liman katagum,that our uba is not opreti ng we will be glad if regarded.
My husband and I have been married for about 7 yrs now. We were happily married with two kids, a boy and a girl. 3 months ago, I started to notice some strange behavior from him and a few weeks later I found out that my husband is seeing someone. He started coming home late from work, he hardly care about me or the kids anymore, Sometimes he goes out and doesn't even come back home for about 2-3 days. I did all I could to rectify this problem but all to no avail. I became very worried and needed help. As I was browsing through the Internet one day, I came across a website that suggested that Dr Great can help solve marital problems, restore broken relationships and so on. So, I felt I should give him a try. I contacted him and he did a spell for me. Two days later, my husband came to me and apologized for the wrongs he did and promise never to do it again. Ever since then, everything has returned back to normal. I and my family are living together happily again.. All thanks to Dr Great . If you need a spell caster that can cast a spell that truly works, I suggest you contact him. He will not disappoint you. This is his E-mail:
infinitylovespell@gmail.com or infinitylovespell@yahoo.com
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Blog http://infinitylovespell1.blogspot.com
My husband and I have been married for about 7 yrs now. We were happily married with two kids, a boy and a girl. 3 months ago, I started to notice some strange behavior from him and a few weeks later I found out that my husband is seeing someone. He started coming home late from work, he hardly care about me or the kids anymore, Sometimes he goes out and doesn't even come back home for about 2-3 days. I did all I could to rectify this problem but all to no avail. I became very worried and needed help. As I was browsing through the Internet one day, I came across a website that suggested that Dr Great can help solve marital problems, restore broken relationships and so on. So, I felt I should give him a try. I contacted him and he did a spell for me. Two days later, my husband came to me and apologized for the wrongs he did and promise never to do it again. Ever since then, everything has returned back to normal. I and my family are living together happily again.. All thanks to Dr Great . If you need a spell caster that can cast a spell that truly works, I suggest you contact him. He will not disappoint you. This is his E-mail:
infinitylovespell@gmail.com or infinitylovespell@yahoo.com
WhatsApp +2348118829899
Blog http://infinitylovespell1.blogspot.com
My husband and I have been married for about 7 yrs now. We were happily married with two kids, a boy and a girl. 3 months ago, I started to notice some strange behavior from him and a few weeks later I found out that my husband is seeing someone. He started coming home late from work, he hardly care about me or the kids anymore, Sometimes he goes out and doesn't even come back home for about 2-3 days. I did all I could to rectify this problem but all to no avail. I became very worried and needed help. As I was browsing through the Internet one day, I came across a website that suggested that Dr Great can help solve marital problems, restore broken relationships and so on. So, I felt I should give him a try. I contacted him and he did a spell for me. Two days later, my husband came to me and apologized for the wrongs he did and promise never to do it again. Ever since then, everything has returned back to normal. I and my family are living together happily again.. All thanks to Dr Great . If you need a spell caster that can cast a spell that truly works, I suggest you contact him. He will not disappoint you. This is his E-mail:
infinitylovespell@gmail.com or infinitylovespell@yahoo.com
WhatsApp +2348118829899
Blog http://infinitylovespell1.blogspot.com
Just wanna say a big thank you Neme Amber for introducing me to Dr Emmanuel the great HERBALIST that helped me prepare home remedies that cured my herpes (HSV 2).
I was infected with HSV 2 for the past two years and i was unable to get a better job cos all the company i was to get employed checked our blood test and found out that i was positive to GENITAL HERPES and i loosed employment.
So i was desperate to get a cure so that i can live normal and get my job training.
i earlier made some research and i contacted some doctors online but they keep on asking for money for courier after that they'll tell you that tax and so more so i became broke and frustrated.
One day i was less busy so i decided to make latest research on herpes cure and i found a site were everyone was talking about DR Emmanuel and herbs ability to cure herpes.
So i discussed with Neme Amber and she explained to me that its very easy working with Dr Emmanuel so i contacted DR Emmanuel via email ( nativehealthclinic@gmail.com ) and he helped me just as he has helped others now im cured and different medical centers has tested me and approved me cured.
so i decided to thank Neme Amber cos she made it possible for me.
and i can also assure you that he can also help you. so if you need the service of DR emmanuel, ill put his details here so that you can easily get in touch wif him.
his email: nativehealthclinic@gmail.com or WhatsApp him at +2348140073965. instagram ig:@dremmanuel2
my Name is Grace from US,once again thanks to Neme Amber. im fucking hapy….
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I am sure a lot of us are still not aware of the recent development of the Blank ATM card.. An ATM card that can change your financial status within few days. With this Blank ATM card, you can withdraw between $2,000-$3,000 -$5, 500-$8,800-$12, 000-$20,000-$35,000 -$50,000 daily from any ATM machine in the world. There is no risk of getting caught by any form of security if you followed the instructions properly. The Blank ATM card is also sophisticated due to the fact that the card has its own security making your transaction very safe and untraceable. i am not a stupid man that i will come out to the public and start saying what someone have not done. For more info contact Mr john and also on how you are going to get your Card, Order yours today via Email: cryptoatmhacker@gmail.com
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My husband and I have been married for about 7 yrs now. We were happily married with two kids, a boy and a girl. 3 months ago, I started to notice some strange behavior from him and a few weeks later I found out that my husband is seeing someone. He started coming home late from work, he hardly care about me or the kids anymore, Sometimes he goes out and doesn't even come back home for about 2-3 days. I did all I could to rectify this problem but all to no avail. I became very worried and needed help. As I was browsing through the Internet one day, I came across a website that suggested that Dr Great can help solve marital problems, restore broken relationships and so on. So, I felt I should give him a try. I contacted him and he did a spell for me. Two days later, my husband came to me and apologized for the wrongs he did and promise never to do it again. Ever since then, everything has returned back to normal. I and my family are living together happily again.. All thanks to Dr Great . If you need a spell caster that can cast a spell that truly works, I suggest you contact him. He will not disappoint you. This is his E-mail:
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Just wanna say a big thank you Neme Amber for introducing me to Dr Emmanuel the great HERBALIST that helped me prepare home remedies that cured my herpes (HSV 2).
I was infected with HSV 2 for the past two years and i was unable to get a better job cos all the company i was to get employed checked our blood test and found out that i was positive to GENITAL HERPES and i loosed employment.
So i was desperate to get a cure so that i can live normal and get my job training.
i earlier made some research and i contacted some doctors online but they keep on asking for money for courier after that they'll tell you that tax and so more so i became broke and frustrated.
One day i was less busy so i decided to make latest research on herpes cure and i found a site were everyone was talking about DR Emmanuel and herbs ability to cure herpes.
So i discussed with Neme Amber and she explained to me that its very easy working with Dr Emmanuel so i contacted DR Emmanuel via email ( nativehealthclinic@gmail.com ) and he helped me just as he has helped others now im cured and different medical centers has tested me and approved me cured.
so i decided to thank Neme Amber cos she made it possible for me.
and i can also assure you that he can also help you. so if you need the service of DR emmanuel, ill put his details here so that you can easily get in touch wif him.
his email: nativehealthclinic@gmail.com or WhatsApp him at +2348140073965. instagram ig:@dremmanuel2
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I’m so excited my broken hart has been restored my ex lover is back after he left me for another woman. i was so happy to meet Dr. Akhigbe how he help many people to bring there Lover back so I contacted him to help me too. that was how Dr. Akhigbe help me to bring my lover back.. A big thank to you Dr. Akhigbe because I never thought my ex lover will be back to me so quickly with your love spell. You are the best and world greatest. if you are here and you need your Ex Lover back or your lover moved to another woman, do not cry anymore, contact this powerful spell caster now. Here’s his contact: Email him: Drakhigbespellhome7@gmail.com You can also reach him on WhatsApp on +2349021374574
You can get your ex back and cure your infertility problems with Dr. Odunga.
When I met Dr.Odunga, my husband had divorced me because I was a barren woman of 41 and I have been married for 21 years. I was devastated and confused as a woman of my age until when I went online to look for help on how to get my marriage back then I met Dr. Odunga. Within 48 hours of contacting him, my ex husband came back home and pleaded for me to forgive him and take him back after 5 months of divorce. I accepted him back and then I told Dr. Odunga of my bareness for him to help me. He did the spell for fertility and after 48 hours of completing it, I conceived. My husband got me pregnant and I gave birth to a baby girl. Presently, I am a mother of a beautiful baby girl and I am happy in my relationship. This is all thanks to Dr. Odunga and his wonderful work. Contact Dr. Odunga Via Whats-App number +2348167159012. Email at: odungaspelltemple@gmail.com
My name is Efe, i live at west Africa,My life is
back!!! After 2 years of Broken marriage, my husband left me with two kids,
I felt like ending it all, i almost committed suicide because he left us
with nothing, i was emotionally down all this while. Thanks to a great
spell caster called Dr tunde which i met online who brought my husband
back to me. On one faithful day, as I was browsing through the internet, I
came across several of testimonies about Dr tunde. Some people testified
that he brought their Ex lover back, some testified that he restores
womb,cure cancer,and other sickness, you can contact him on (
DrTundePatrick@gmail.com) or call him (+234) 810 124 7295.he is the best
spell caster that can help you with your problems. whatsapp (+234) 810 124
7295
My name is Bess Allford am from united state, I almost took my life because of my husband who left me and stop picking my calls answering my mails and my messages. He said He do not trust me anymore, I tried to convince and beg him, but he will not believe or answer me until we had a fight and broke up for 11months, after then I realize I can not live without him because of the love I have for him. I tried everything possible to get him back, but non worked for me, some fake spell casters scammed me and went away with my money until I came across this man called Dr Ayoola he helped me cast a spell and behold my husband came back after 48 hours, begging me for forgiveness, I was so surprised that spell caster like Dr Ayoola still exist. If anyone here needs some help, with all sincerity, contact Dr Ayoola today Website: Email or Contact him via is whatsapp number indeed you are a priest thank you for making my home a happy home again. i can never stop talking about you sir. DR Ayoola is really a great man you can contact in any solution for any kind of problems like (1) lottery spell(2) ex back(3) get pregnant(4) cure for any kind of sickness, disease and infection And many others contact this great man today and get your Problems solved 100%.Website: email: drayoolasolutionhome@gmail.com or text him on whatsapp: +31684065675
Its a pleasure for me to write this testimony about how i got my Genital Herpes cured a month ago. i have been reading so many comments of some people who were cured from various diseases by Dr .Ekpen, but i never believed them. I was hurt and depressed so I was too curious and wanted to try Dr. Ekpen, then i contacted him through his email when i contact him, he assured me 100% that he will heal me, i pleaded with him to help me out. My treatment was a great success, he healed me just as he promised. he sent me his medication and ask me to go for check up after one weeks of taking the medication. i agreed with him i took this medication and went for check up a , to my greatest surprise my result was negative after the treatment, i am really happy that i am cured and healthy again. I have waited for 3weeks to be very sure i was completely healed before writing this testimony. I did another blood test one week ago and it was still Herpes negative. so i guess its time i recommend anyone going through Herpes HSV-1 or HSV-2, HIV, HPV, Hepatitis B, Diabetes, Cancer reach him through Email drekpenherbalisthome@gmail.com OR add on whatsapp +2349062286491.
I am Matt Myles. i won EuroMillions Millionaire Raffle prize of £1,000,000 in April 2020, I took an advice from some person who talked about this great spell caster, the person placed a testimony on a blog saying how this priest helped him win the lottery by sending him the winning numbers, i was curious and i thought it was all joke not until i contacted this priest to know for myself how this work cos i have spend alots buying tickets and i never win. I contacted him and he told me the necessary thing that need to be done and i did it and he told me to wait for 3 days and on the 3rd day he truly gave me the winning numbers to play the lottery which i did, Can you believe my name was the first among winners. He told me my son all i need you to do for me is make sure that you share this testimony to others in need of help so that they can also win the lottery. I am sharing this testimony with everyone who needs help to win lottery. Contact this great priest through his email address priestazibasolutioncenter@gmail.com or whatsApp +2348100368288 and your financial problem will be solved forever.
i will love to share my testimony to you all the people in world i got married to my husband about 2 year ago we start having problems at home like we stop sleeping on the same bed,fighting about little things he always comes home late at night,drinking too much and sleeping with other women out side i have never love any man in my life except him. he is the father of my child and i don’t want to loose him because we have worked so hard together to become what we are and have today .few month ago he now decided to live me and the kid,being a single mother can be hard sometimes and so i have nobody to turn to and i was heart broken. i called my mom and explain every thing to her, my mother told me about DR timan how he helped her solve the problem between her and my dad i was surprise about it because they have been without each other for three and a half years and it was like a miracle how they came back to each other. i was directed to DR timan on his email:(drtiman0@gmail.comand explain everything to him,so he promise me not to worry that he will cast a spell and make things come back to how we where so much in love again and that it was another female spirit that was controlling my husband he told me that my problem will be solved within two days if i believe i said OK So he cast a spell for me and after two days my love came back asking me to forgive him i Am so happy now. so that why i decided to share my experience with every body that have such problem contact DR timan the great spell caster on his email addresses (drtiman0@gmail.comand )or whatsapp DR Timan or CALL DR Timan on this number +2347051136960
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I will forever be indebted to the great Doctor Ifade for fixing my broken marriage after my husband left me for his mistress for 6 months. I never believed in spells until my friend introduced me to him. At first, I was skeptical about him because I heard a lot about false spell casters but I put my doubts behind me because I was desperate to get my husband back and I did according to what he instructed me to do. Now my husband is back just within 48 hours of contacting him. I’m living happily with my husband again after 6 months of divorce and I will not rest till he’s known all over the world. He’s also specialize in money spells, lottery spells, sickness spells E.T.C. Get connected with Doctor Ifade now, his email is ifadesolutionspell31 @gmail com or WhatsApp on +2349060120490 <
i will love to share my testimony to you all the people in world i got married to my husband about 2 year ago we start having problems at home like we stop sleeping on the same bed,fighting about little things he always comes home late at night,drinking too much and sleeping with other women out side i have never love any man in my life except him. he is the father of my child and i don’t want to loose him because we have worked so hard together to become what we are and have today .few month ago he now decided to live me and the kid,being a single mother can be hard sometimes and so i have nobody to turn to and i was heart broken. i called my mom and explain every thing to her, my mother told me about DR timan how he helped her solve the problem between her and my dad i was surprise about it because they have been without each other for three and a half years and it was like a miracle how they came back to each other. i was directed to DR timan on his email:(drtiman0@gmail.com explain everything to him,so he promise me not to worry that he will cast a spell and make things come back to how we where so much in love again and that it was another female spirit that was controlling my husband he told me that my problem will be solved within two days if i believe i said OK So he cast a spell for me and after two days my love came back asking me to forgive him i Am so happy now. so that why i decided to share my experience with every body that have such problem contact DR timan the great spell caster on his email addresses (drtiman0@gmail.com ) and get your healing. He has cure for other deadly diseases like Herpes, Hiv/Aids, STD , Hepatitis , Cancer , COVID 19 VIRUS, Fix Broken marriage , Looking for a child he can still do that for you .
Are you looking for a way to restore back your broken relationship? If yes help has come your way i got a testimony online about Dr.Nana how he helped someone to get back his ex wife and i contacted him for help also, I am so happy that right now my husband is back to me with so much love and happiness with the help of Dr.Nana if you need help in getting your ex or to fix your relationship back, you can contact him he will help you just the same way he helped me brought back my husband after 1 year of separation contact him today and be happy in your relationship you can email him on nanakwakuspiritualist(at) gmail.com Call or WhatsApp +2349029905501
I am Matt Myles. i won EuroMillions Millionaire Raffle prize of £1,000,000 in April 2020, I took an advice from some person who talked about this great spell caster, the person placed a testimony on a blog saying how this priest helped him win the lottery by sending him the winning numbers, i was curious and i thought it was all joke not until i contacted this priest to know for myself how this work cos i have spend alots buying tickets and i never win. I contacted him and he told me the necessary thing that need to be done and i did it and he told me to wait for 3 days and on the 3rd day he truly gave me the winning numbers to play the lottery which i did, Can you believe my name was the first among winners. He told me my son all i need you to do for me is make sure that you share this testimony to others in need of help so that they can also win the lottery. I am sharing this testimony with everyone who needs help to win lottery. Contact this great priest through his email address priestazibasolutioncenter@gmail.com or whatsApp +2348100368288 and your financial problem will be solved forever.
I am Matt Myles. i won EuroMillions Millionaire Raffle prize of £1,000,000 in April 2020, I took an advice from some person who talked about this great spell caster, the person placed a testimony on a blog saying how this priest helped him win the lottery by sending him the winning numbers, i was curious and i thought it was all joke not until i contacted this priest to know for myself how this work cos i have spend alots buying tickets and i never win. I contacted him and he told me the necessary thing that need to be done and i did it and he told me to wait for 3 days and on the 3rd day he truly gave me the winning numbers to play the lottery which i did, Can you believe my name was the first among winners. He told me my son all i need you to do for me is make sure that you share this testimony to others in need of help so that they can also win the lottery. I am sharing this testimony with everyone who needs help to win lottery. Contact this great priest through his email address priestazibasolutioncenter@gmail.com or whatsApp +2348100368288 and your financial problem will be solved forever.
I’m indeed very happy for the great help that Dr Osebor rendered to me,I was diagnosed with HSV 2 on July 7, 2017 and I have tried all possible means to get cure but all to no avail, until i saw a post in a health forum concerning herbal doctor Dr Osebor, who prepares herbal medicine to cure all kind of diseases/Infection including Herpes Simplex virus Type 2, at first i doubted if it was real but decided to give it a try, when i contact this herbal doctor via his email,oseborwinbacktemple@gmail.com He assured me of a cure, he prepared a herbal medicine and sent it to me via courier service, when i received this herbal medicine, he gave me instructions on how to use it, when i applied it as instructed, i was cured of this deadly virus within 18 days of usage,he told me to go for a medical check up and i went for test, I couldn’t believe i was negative and the HERPES VIRUS in my body got cured, I and my family are so happy and grateful to God for using Dr Osebor to Liberate me. Reach Out to this great herbal doctor via his email : oseborwinbacktemple@gmail.com you can also reach him on WhatsApp +2348073245515
Ik heb veel te zeggen, maar geen tijd, want ik las over iedereen die mijn verhaal had kunnen schrijven. Heel dankbaar om hier te zijn. Toen mijn man wegging, had ik zin om te sterven. toen we vorige week reden en hij geeft me een schouderklopje. we zijn al heel lang niet zo gelukkig geweest, hij was betoverd door een meisje dat hij ontmoette tijdens een zakenreis naar Bolivia en hij behandelde mijzelf en onze dochter op een wrede manier ons verlaten zonder enige financiële bron ik neem het hem niet kwalijk, want hij was niet bij zijn volle verstand, allemaal dankzij Dr. Ajayi die hielp een spreuk uit te voeren om hem bij ons terug te krijgen, als je het moeilijk hebt omdat je het gedrag van je echtgenoot in je huwelijk niet meer begrijpt of als je gaat scheiden en nodig hebt je ex-man of vrouw terug of je maakt moeilijke tijden door in je relatie en hebt een snelle oplossing nodig, je kunt dr. Ajayi bereiken op zijn e-mail Drajayi1990@gmail.com OF Whatsapp / Viber +2347084887094. Ik beloof dat je hier terug zult komen om hem ook te bedanken
I was searching for help on the internet to get my ex husband back after he divorced me 5 months ago, i came across so many testimonies from different people and they are all talking about this wonderful man called Doctor silver on how he help them to save their marriage and relationships and i also contact him on his email (drsilverhealingtemple@gmail.com) and explain my problem to him and he did a nice job by helping me to get my divorced husband back within 48 hours.. I never believe that such things like this can be possible but now i am a living testimony to it because Doctor silver actually brought my lover back, If you are having any relationship problems why not contact Doctor silver for help via email: drsilverhealingtemple@gmail.com or whatsapp +2348123877102 Then i promise you that after 48 hours you will have reasons to celebrate like me.
I want to let the world know about Dr Osebor herbal cure he is 100% Guarantee sure to cure your. HIV/AIDS ,He is the only person that i can boldly say he can cure any types of Diseases.i was having HIV for more than 8 years when i meant Dr Osebor online on how he has cured so many people and how greatly he has helped many individuals online,so i contacted him and explained my situation to him and behold i was cure with his herbal medicine and now am living happily, so to anyone having issues on hiv/aids or other disease challenges i advised that you contacthim via email oseborwinbacktemple@gmail.com for whatsapp +2348073245515 he can also cure any disease such as(1) HIV/AIDS(2) HEPATITIS B,(3)DIABETICS,(4)CANCER,(5)HERPES(6)He can also bring back your ex lover,(7)LOVE SPELL,(7)PENIS ENLARGEMENT He is the great man and kind person. Dr Osebor thank you ones more for curing my HIV/AIDS, i own you in return. Thanks and be blessed Dr Osebor.
God bless DR.AKHIGBE for his marvelous work in my life, I was diagnosed of HERPES VIRUS since 2015 and I was taking my medications, I wasn’t satisfied i needed to get the HERPES out of my system, I searched about some possible cure for HERPES i saw a comment about DR.AKHIGBE how he cured HERPES with his herbal medicine, I contacted him and he guided me. I asked for solutions, he started the remedy for my health, he sent me the medicine through UPS SPEED POST. I took the medicine as instructed, in 2 weeks i was totally cured. if you need herbal cure contact dr.akhigbe on his WhatsAPP number: +2349021374574 because he has a solution to all your problems. Email drakhigbeherbalhome5@gmail.com..