₦airaland Forum

uboma:
Hey Dave,

I see you are flexing your powers here ehn...
I am watching you in 4D.

Oga Sir

Hope you are supporting Ivyy o?

asscb:
she's my bae in real life

I see you don't like your moniker again

Mannylex:
If I don't support your babe, I get banned , If I then eye your babe na? What happens

Then your eye get plucked out but vote for Ivyy sha.

YoursGEJ:
OP where did the GMD mention scarce forex as a reason for decline in his company's profits? These are financial results from the entire 2015 fiscal year. Forex scarcity began at the end of last year.

By the way, you did not ask yourself the question: which bank makes 82% of its profit by trading forex? You forgot to include the major reasons why banks are seeing a decline in profits. They are no longer keeping government money due to TSA which was implemented last year.

It's also happening with other banks
http://www.vanguardngr.com/2016/04/profits-5-banks-drop-n10-52bn-first-quarter/

It's just worst with first bank because they were the biggest beneficiary of Govt officials stashing MDA money in accounts to generate interest

That's not the main reason they made the loss as reported.

Impairment charges skyrocketed, because of an increase of their NPLs ratio (Non-Performing Loans) to 21.5% (vs 5% regulators limit)

ksstroud:
Who sent the dollar...
I'm here too ooo
But seriously, Boss Davide dey enjoy ooo, this babe though...is she from Bahamas

She is a Lasgidi born and bred belle!!

[img]http:///media/4-27-2016/xyH8Qq.gif[/img]

LastMumu:
Seriously you are? Na im you no appoint me as your chief campaign manager make I scatter the whole nairaland for you? Gimme me a call, I wish to be your nairaland Orubebe.

Why must she give you a call first

...In other news,

Ivyy for Miss Nairaland!

https://www.nairaland.com/ivyy

Support my bae or get banned!!

All this amicable09people mentioning me upandan...

Who page 1000 help?

tolutweety:

What happened to the phrase ...
"I love Davide470"
Has it stopped being catchy ?!

Lool.

It is and always will be

angelo82:
FBN HOLDINGS PLC. REPORTS 4.9% RISE IN GROSS EARNINGS TO N505.2 BILLION FOR THE FULL YEAR ENDED 31 DECEMBER 2015

Income Statement
...
Profit before tax of N21.5 billion, down 77.1% year-on-year (Dec 2014: N94.1 billion)
Profit after tax of N15.1 billion, down 82.0% year-on-year (Dec 2014: N84.0 billion)

Key Ratios
Cost to income ratio of 61.4% (Dec 2014: 66.5%)
NPL ratio of 18.1% (Dec 2014: 2.9%)
..

Mhen, this is serious o. NPL ratio at [size=13pt]18.1%[/size]

Kookny:
Boss, I sent you a pm.

Seen and responded.

ivyy:
Awww thanks darl

Madam Contestant

asscb:
So Davide470 is a soft guy?

*hides under the thread*

Lol

avicky:
Lol . Mindeth me not bro.
I've been busy of late. How is you? *in jenifa' s voice?

Lol. I am very well. Thanks

@Avicky,

How are you ma'am? You only remember me when people are fighting?

@Sunnypar,

Hey bro, saw your thread regarding 'Boo/Bae" matter. Take it easy mhan.

This story reminds me of a senior cousin who back then in school was a strong JW member. It was because of her persistence I attended JW conference at Akure and some of their meetings

Well, she later got maried to a popular pentecostal pastor in Benin.. Though it generated rancours within her family but she had been enlightened and followed what she wanted.

As at this time, she is planning to organise a
Singles Seminar and they are starting another branch of the church in the US soonest

.

Oh. That's why he was viewing the chatroom

Oya, THESCRYPT Happy birthday bro.!

You just "fashi" your guy.

yemibayo:
I just saw your PM notification Sir but I can't access that mail address. Kindly use this ..

Alright Sir.

I have forwarded the mail.

Estharfabian:
See your head!! you edited your Post abi

issoryt!

E-beat Who? demfit??

Lool. I didn't o.

Anyways, stop responding to everyone joor.

Estharfabian:
..

Loool

Have they finished e-beating you?

Anyways, it's good for you though

Rexceedo:
aptly! Sir I sent you a mail

Mail received.

Would revert tomorrow.

yemibayo:
Thanks bro. I want to enroll for exam

That's nice.

Are you up for "Quest"?