Coputa's Posts
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seunmsg:I don't think the king knows that, because the bini's worship him like a god ,so to speak.He should be told by those that are educated around him that there are laws in the country guiding everyone.Nobody is above the law,he is just a king |
Kobicove:Does Nigeria still has anything left in her image globally |
GOFRONT:LEXUS JEEP IS AN SUV |
JaidoOmojesu:It was as a result of the dilapidated infrastructures in Nigeria that caused it and not village people.Nigeria is a highly corrupt country where nothing works.Joshua should have known this. |
Israel became the first country to recognise Somaliland as an independent state, drawing worldwide condemnation for a move that carries deeper geopolitical implications than initially apparent. This is largely because Israel's recognition of Somaliland could entrench its presence closer to the heart of the Middle East, particularly near one of Israel's main adversaries, the Iran-backed Houthis. “Hard to avoid the question: does Israel’s recognition of Somaliland today open the door – formally or informally – to access to military facilities there, aimed at countering Houthi drones and missiles from nearby Yemen across the Gulf of Aden?,” wrote David Makovsky, director of the Washington Institute for Near East Policy Project on the Middle East Peace Process. Can Somaliland’s Berbera Port anchor African trade security? Somaliland’s Berbera Port could anchor new era of trade security The Houthis and Israel have been exchanging attacks throughout the year, with the rebel group striking ships in the Red Sea in what it says is a protest to the continuing Israeli aggression in Gaza. Israel had struck Houthi-held Sanaa and Hodeidah, killing government figures in the Houthi-run civilian administration. The situation between the Houthis and Israel has relatively calmed, but there is speculation as to whether this is one of the main reasons behind the Israeli rapprochement. Somaliland is a self-declared independent state in the Horn of Africa, on the coast of the Gulf of Aden, bordering Somalia and Djibouti. Israel's Channel 12 reported that Somaliland President Abdirahman Mohamed Abdullahi made several secret visits to Israel, including in October, where he met Israeli Prime Minister Benjamin Netanyahu, Minister of Defence Israel Katz, and Mossad chief David Barnea. Mr Netanyahu thanked the Mossad for its role in achieving the recognition of Somaliland. Somalia and the African Union were among the first to criticise the move, which had been long in the making, followed by Arab states like Egypt and Palestine. Somaliland had previously come up in discussions regarding the forcible displacement of Palestinians from Gaza. Officials from Somaliland at the time told the Associated Press that they had no knowledge of contact being made by American or Israeli officials regarding the highly contentious matter, due to its legal and moral implications. Additionally, Somaliland's port city of Berbera could allow Israel access to the Red Sea, a vital artery for commercial shipping that overlooks the Bab Al Mandeb strait which is a choke point for global trade. Last year, Somaliland signed an agreement to lease a 20km stretch of coastline to its neighbour Ethiopia, a close ally and source of labour for Israel. Somalia summoned the Ethiopian ambassador in protest as Mogadishu does not recognise the breakaway area. Whether political, economic, or security-related, Israel has made history in its recognition of Somaliland – a move whose full benefits have yet to become clear. Gazette |
Resolutions made on a new year,do not last, they are often broken. |
PinkStarsFallIn:Finding the right fixed deposit account in Nigeria can significantly impact how fast your savings grow. With inflation affecting purchasing power and interest rates fluctuating, Nigerian investors need accurate, up-to-date information to make smart decisions about where to park their funds. This guide highlights the banks offering the most competitive fixed deposit rates in Q4 2025, helping you maximize your investment returns. Understanding Fixed Deposit Rates in Nigeria Fixed deposit rates in Nigeria typically range between 5% and 15% per annum, depending on the bank, deposit tenure, and amount invested. However, some merchants and smaller commercial banks now offer rates above 20% p.a., especially for longer tenures and larger deposits. The Central Bank of Nigeria (CBN) mandates all banks to publish interest rates weekly. The current Monetary Policy Rate (MPR) stands at 27%, setting a strong benchmark that influences fixed deposit rates nationwide. Top Banks with the Highest Fixed Deposit Rates Based on the most recent CBN published data, here are the banks offering the best fixed deposit (time deposit) rates: Highest Rates (Above 20% p.a.) Bank Time Deposit Rate Category Providus Bank Up to 23.66% Commercial Bank FSDH Merchant Bank Up to 23.00% Merchant Bank Titan Trust Bank Up to 21.95% Commercial Bank Sterling Bank Up to 21.32% Commercial Bank Nova Bank Up to 20.44% Commercial Bank High-Performing Banks (15-20% p.a.) Bank Time Deposit Rate Category Access Bank Up to 17.87% Tier-1 Commercial Bank Globus Bank Up to 16.40% Commercial Bank UBA Up to 14.75% Tier-1 Commercial Bank Major Commercial Banks (Below 15% p.a.) Bank Time Deposit Rate Category FCMB Up to 13.00% Commercial Bank Zenith Bank Up to 12.55% Tier-1 Commercial Bank First Bank Up to 10.63% Tier-1 Commercial Bank Stanbic IBTC Up to 8.33% International Bank GTBank Up to 8.00% Tier-1 Commercial Bank Why Rates Vary Significantly Across Banks Several factors explain the wide variation in fixed deposit rates: Bank Size and Funding Needs: Smaller banks and merchant banks often offer higher rates to attract deposits and compete with larger, established institutions. Liquidity Position: Banks with immediate funding requirements typically offer more attractive rates to mobilize deposits quickly. Customer Segmentation: Interest rates can vary by tenure, with longer tenures typically offering higher rates. Some banks also offer preferential rates for high-net-worth individuals or specific deposit amounts. Institutional Type: Merchant banks like FSDH often provide better interest rates than traditional banks, as they focus on wholesale banking and investment services. What to Consider Beyond Interest Rates While high rates are attractive, smart investors evaluate multiple factors: Bank Stability and Security: The Nigeria Deposit Insurance Corporation (NDIC) protects up to ₦500,000 for each depositor at each bank. Always verify that your chosen bank is NDIC-insured. Minimum Deposit Requirements: Higher rates often require substantial minimum deposits, ranging from ₦100,000 to several million naira. Tenure Flexibility: Consider your liquidity needs. Longer tenure fixed deposits typically offer better rates but lock your funds for extended periods. Early Withdrawal Penalties: Accessing fixed deposit funds before maturity typically incurs penalties, which can significantly reduce your overall returns. How to Maximize Your Fixed Deposit Returns Laddering Strategy: Split your investment into multiple fixed deposits with varying tenures to balance liquidity and returns. For example, divide ₦1.5 million into three deposits: ₦500,000 for 6 months, ₦500,000 for 1 year, and ₦500,000 for 2 years. Compare Rates Regularly: Interest rates fluctuate based on CBN monetary policy decisions. Use nairaCompare's fixed deposit comparison tool to find the best current rates. Negotiate for Better Rates: For large deposits above ₦5 million, banks may offer preferential rates above their published rates. Consider Compounding: Reinvesting interest earnings leverages the power of compounding, significantly boosting overall returns over time. How to Open a Fixed Deposit Account Choose Your Bank: Compare rates using nairaCompare and select a bank or provider that meets your needs Initiate application Provide Required Documents: Valid ID (National ID, driver's license, or international passport), BVN, proof of address, and initial deposit Select Your Terms: Choose deposit amount, tenure (typically 30 days to 36 months), and interest payout frequency Confirm Details: Review all terms, including interest rate, maturity date, and penalty clauses, before signing Frequently Asked Questions Q: Which Nigerian bank has the highest fixed deposit rate? Based on recent CBN data, Providus Bank offers the highest rate at 23.66% p.a., followed by FSDH Merchant Bank at 23.00%. Q: Are fixed deposit rates negotiable? Yes, especially for large deposits. Banks may offer rates above published rates for deposits exceeding ₦5 million. Q: How often do fixed deposit rates change? Rates can change weekly based on market conditions and CBN monetary policy decisions. Always verify current rates before investing. Q: Can I withdraw my fixed deposit before maturity? Yes, but early withdrawal typically incurs penalties that reduce your overall returns. Some banks charge a loss of all accrued interest. Q: What's the minimum amount for a fixed deposit? Minimum deposits vary by bank, typically ranging from ₦50,000 to ₦500,000. Higher minimums often secure better rates. Final Thoughts: Make Your Money Work Harder Fixed deposits remain one of Nigeria's safest investment options, offering guaranteed returns without market volatility. While merchant banks and smaller commercial banks currently offer the highest rates (above 20% p.a.), investors should balance rate attractiveness with bank stability and their own liquidity needs. With the MPR at 27% and inflation concerns ongoing, fixed deposit rates in Q4 2025 provide real positive returns for savers. Use nairaCompare's comparison tools to find the best rates, and always verify current rates directly with banks before investing. Note: Fixed deposit rates change frequently. The rates presented here are based on the most recent published CBN data. Always confirm current rates and terms directly with your chosen financial institution before making investment decisions. |
Agbero is revenue generating arm of the federal,states and local government.They always plant their stooge there with their strong backing. Hence, security forces work closely with them because of the backing of the government. They are usually given targets of money to remit daily to the chairman,for onward transfer to the state coffers through the board of internal revenue. The excesses are shared between the committee/park chairman and his executives, |
PinkStarsFallIn:Drop it in a fixed deposit account with any of the strong banks, Zenith, Access,UBA, First bank etc. |
Karlovich:A golden fish have no hidden place. |
Coming to think of it,if the government did not put the Nigeria army at alert to mop up the fleeing terrorist,this operation will not be complete. |
I was wondering when they (terrorists apologist) were saying America precision missiles bombed empty farmlands. The Nigeria press are not helping matters,there are a lot of fifth columnists in the media |
obonujoker:Tinubu APC government is only good at one thing: Taxing,improvriching the citizens and causing hardship. |
lawani:Many merchants in the north don't use banks |
madridguy:Don't you know people can boycott bank transaction,infact people are removing their monies from the banks now |
tctrills:I quoted you because you literally said people watching his channel globally are worshipping him.I think you have comprehension problem |
Mvnster:Education and upgrading is the key to sustain blessings and to remain relevant |
DatNiggaDaz:The army is under staff right now |
tctrills:Are you proving people watching his channel continually globally wrong.Check yourself. |
SmartPolician:Do you watch his channel, he's good.Nigerians are gifted people given the right environment |
SatanKeepOff:You started on a wrong note,and I think it's too late to mend things. You literally carried all her school expenses,a girl you haven't got married to.The parents that took her to a private university knew the strength of their pockets.you could have supported her and not footing all her school expenses And another area,is that you didn't sit her down and explain to her that because of the heavy expenses you are footing,you will not be able to do some other things for her and the family until she graduates. Your first move was wrong,It will be very difficult to change the narrative because the family now sees you as a father Christmas,who have enough to give out, ditto the girl |
Bamboo is the best investment platform in Nigeria despite their little charges,I have tried other platforms but nope, they all failed |
femi4:When resolutions are broken, that's not all as humans are fallable.So,you can resolute again. |
Akinpedia:Yes, you made a valid point here, most Nigerians weren't taught how to manage differences especially in marriages.Am happy now that we now have classes in some churches for couples to be and already married.Gradually we will get there. |
Singles still fights,this is just a result of not been able to recognize and manage differences in every human. It's not only in relationships but anywhere you live and interact with people. If you recognize and respect the differences in people's character and opinions,you will be able to live cordially with people. The biggest mistakes people make is trying to change people |
Ex-Governor of Kano State and leader of the Kwankwasiyya Movement, Senator Rabiu Musa Kwankwaso, has described education as the most enduring legacy any leader can bequeath to society, as beneficiaries of the Kwankwasiyya scholarship programme gathered for their maiden annual convention in Kano. Speaking at the event, Kwankwaso thanked Almighty God for sparing their lives to witness what he described as “a very historic day for Kano State and Nigeria”, pointing out that the convention brought together scholars sponsored over a period spanning nearly 25 years. He said, “I remember many of you when you were very young. Some of you looked like you came straight from the villages. Today, I see confidence, professionalism and grey hair.” According to a statement by Dr Mansur Hassan, and made available to journalists in Kaduna, Kwankwaso, who governed Kano State for eight years, said the gathering offered an important lesson on leadership, sustainability and foresight, stressing that “true governance is measured by the long-term impact on human capital.” Kwankwaso said that following the 2019 general elections, when government sponsorship of foreign students stopped, he resolved to personally sustain the programme through the Kwankwasiyya Development Foundation (KDF). “I realised I had properties I did not need — plots in Lagos, Kaduna, Sokoto, Adamawa and other places. I sold them all and used the proceeds to sponsor 370 young men and women from Kano State to study abroad,” he disclosed. Kwankwaso revealed that, in addition to the foundation-sponsored scholars, the programme had earlier supported over 3,000 students within four years to study in 14 countries across Europe, Asia, Africa and the Middle East. Doctors, engineers, pilots and global professionals were produced through the programme. “Available records from the Kwankwasiyya Scholars Assembly indicate that the scholarship scheme has so far produced hundreds of medical doctors and specialists, many currently serving in teaching hospitals across Nigeria and abroad,” the statement added. It further stressed “scores of pilots and aviation professionals, including commercial airline pilots, flight engineers and air traffic specialists; thousands of engineers, ICT experts and technologists contributing to Nigeria’s digital and infrastructure sectors.” “Academics and researchers, with over 300 PhD holders unveiled at the convention; pharmacists, architects, economists, lawyers, public policy experts and development practitioners, now working in Nigeria, Africa, Europe, North America and the Middle East,” the statement also noted. Meanwhile, Kwankwaso remarked that the foundation’s intention was not only to sponsor scholars but also to track, mentor and integrate them into public service, governance and national development. “That is why we decided to engage you politically—at ward, local government, state, zonal and, by the grace of God, national levels, for those who are interested,” he said. He, however, cautioned against elitism, noting that possession of higher degrees should not deter service at the grassroots. “It is not fair for someone with a PhD or master’s degree to feel too big to serve at the ward level,” he warned. While expressing hope for a scholar-governor, scholar-president society in the country, Kwankwaso expressed gratitude to the incumbent governor of Kano State, Abba Kabir Yusuf, for appointing many scholars as commissioners, advisers and senior aides, and prayed to witness a day when a beneficiary of the programme would emerge as governor of Kano State — and even president of Nigeria. He also urged proper documentation of all beneficiaries to enhance coordination, communication and digital engagement. While acknowledging overwhelming loyalty, he cautioned a few who had “crossed over to the other side”, warning that betrayal never leads to lasting success. Besides, the Deputy Governor of Kano State and scholars lauded the initiative. The Deputy Governor of Kano State, Aminu Abdussalam Gwarzo, commended Kwankwaso’s foresight and described the scholarship programme as one of the most impactful human-capital interventions in Nigeria’s history. Earlier, in his opening remarks, Dr Mansur Hassan, National President of the Kwankwasiyya Scholars Assembly (KSA), described the convention as a defining moment and praised Kwankwaso for initiating “the most unprecedented scholarship programme Nigeria has ever witnessed.” Dr Hassan said evidence showed that without Kwankwasiyya scholars, several private, state and federal tertiary institutions across Kano, Jigawa, Katsina, Bauchi, Gombe and beyond would face academic collapse. He also praised Governor Abba Kabir Yusuf for introducing the “1001 Scholars” initiative, restoring Kano’s leadership in academic excellence. According to him, Kano State now boasts the highest concentration of highly qualified academics in Nigeria, with over 300 PhDs unveiled at the event. Dr Hassan announced plans to establish a Kwankwasiyya Scholars Assembly Research Institute, aimed at driving evidence-based governance, innovation and policy development, while appealing for the absorption of unemployed scholars in the state’s proposed recruitment of 1,000 professionals. There was a presentation of awards and goodwill messages at the event. Highlights of the programme included the presentation of awards to Senator Rabiu Musa Kwankwaso, goodwill messages from scholars across the globe, and testimonies of how the scholarship transformed beneficiaries from obscurity into globally competitive professionals. The event, which was attended by many dignitaries, ended with prayers for the Kwankwasiyya Movement, Kano State and Nigeria. © 2025 GUARDIAN Newspapers. ALL RIGHTS RESERVED |
President Bola Tinubu’s Presidential Forest Guards Initiative launched in May 2025 as part of the renewed efforts by his administration to tackle the nationwide insecurity has yielded fruits as over 7,000 newly recruited Nigerian Forest Guards graduated yesterday following the successful completion of an intensive three-month training programme.https://www.thisdaylive.com/2025/12/28/in-security-game-changer-tinubu-launches-forest-guards-7000-deployed/
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Salewa97:Israel did,but other countries are rejecting it |
Kemetian:These will done in phases.America knew where they are,this first bombing is just to set confusion in their camps to avert the regular Christmas day attacks on christians in Nigeria. Now that has been achieved,as there was no attack on christians this Christmas,they will now move to phase 2 |
HgAkpobomeEr:Who will do that,Nigeria does not have forensic experts that will detonate this bomb. I think, they have to fly in bomb experts to do that |
This must be a reprisal attack from the terrorist, |
helinues:Because you are constituting a nuisance here |

Always try to hide or lay low whenever you come back,
If bank deduct your money, carry cutlass go fight them.