₦airaland Forum

GeneralDae:
What do you think would help the average Nigerian? What policy should be reversed or implemented?

Dupeodus:
Miller and Modigliani theory of the irrelevance of dividends.

PETERiCHY:
So because of the ANTICIPATED bad results and zero dividend from ACCESS BANK. You have suddenly become a PROFESSIONAL TRADER.

What happened to the long-term mantra you have being preaching all this while

BARGAIN HUNTERS TAKE NOTE!

jonnysessy:
Investors don save UBA today. If you have UBA to sell it off, bargain investors are lurking around. I only sold off 10%. I am a long term investor.

OsunOriginal:
That's another ugly face of this government's policy of always wanting to take from the people. Fuel price up, energy price up, tax up, and now the CBN is blocking the dividends that should go to the people for their investment. They want to say they don't know the market would react to this? Trump syndrome... "I didn't know Iran would retaliate..." blah blah blah

ghm:
Recommendation for the Executive(Presidency) Considerations

I think the Presidency needs to step in, not to break the CBN, but to broker a sensible timeline.

The stock market has been one of the few positive stories of this administration. By asking UBA not to pay dividends, the CBN has triggered a contagious sell‑off across banking stocks. If they do the same to AccessCorp and FBNHoldings, the drop will be massive – and that damages confidence far beyond the banking sector.

We are not saying the CBN should stop regulating. Prudential rules are necessary. But regulation must consider the real‑world impact on the economy and on millions of shareholders.

The current one‑year forced provisioning for legacy FX loans is unnecessarily brutal. Instead of one year, why not use two years to write off those loans? That way:

1. Banks can still pay partial dividends (e.g., 40% of prior year) if they meet quarterly provisioning targets.

2. The CBN still gets a clean banking system by mid‑2026 – just not overnight.

3. The stock market avoids a crash, and the administration keeps its visible success story.

What I am not asking for is a public fight or a crude “calling the CBN to order”. That would harm regulatory independence and scare off foreign investors. Instead, the Presidency should quietly ask the CBN to issue a revised circular – with forward‑looking, clear rules – that allows a 2‑year transition and tiered dividends.

That is the win‑win: the CBN cleans up the books, banks survive, shareholders are not wiped out, and the market rally stays alive.

Raider76:
Blame the CBN. Why should they rubbish a big bank like the UBA? They should have allowed at least N1.00 dividend out of N9 EPS.

yMcy56:
Forget this 200Mn offers you're looking at....
It's there because no one is presently buying, if someone should come and pack like 30/50M units now, you'll see how those offers will disappear.....
People will start cancelling their offers...

Tony is watching, his boys, MM and bargainers are watching.......
They already knew this will happen because of the result and non payment of Div...
Once it gets to certain price, you'll see actions....
We've seen worst scenarios before, las las everything calm ni.
He'll come and stabilize the price.

megawealth01:
Make I mention some ni?

Came back from church two hours ago so chilling here

Here in Washington everything mara mma no mind CNN with all their propaganda

Mankind2024:
All Eyes on UBA: Africa’s Banking Giant

https://nairametrics.com/2026/04/25/ubas-2025-profit-declines-to-n423-billion-on-loan-loss-provisions/


https://nairametrics.com/2026/04/25/uba-reports-gross-earnings-of-n3-trillion-grows-total-assets-by-9-4/

Key highlights (2025 vs 2024)
Interest income: N2.649 trillion; +9.48% YoY
Interest expenses: N1.031 trillion; +19.97% YoY
Net interest income: N1.618 trillion; +4.24% YoY
Impairment charge: N331.071 billion; +52.59% YoY
Net interest income after impairment: N1.289 trillion; -0.76% YoY
Net fee and commission income: N332.475 billion; -0.25% YoY
Profit after tax: N404.696 billion; -47.21% YoY
Earnings per share: N9.66; -55.55% YoY
Loans and advances to customers: N7.022 trillion; +0.98%
Investment in securities: N14.427 trillion; +15.10% YoY
Customers’ deposit: N23.949 trillion; +11.02% YoY
Total assets: N33.173 trillion; +9.40% YoY
Retained earnings: N1.266 trillion; -11.19% YoY
Shareholders’ funds: N4.253 trillion; +24.40% YoY

PETERiCHY:
We have added UBA & ACCESS to our WATCHLIST...

UBA Sweet-Spot is circa #30 while
ACCESS Sweet-Spot is circa #20
Buy above those prices are your peril....

Let's bear in mind that "SELL IN MAY AND GO AWAY" is the CORNER, 💕





BARGAIN HUNTERS TAKE NOTE!

PETERiCHY:
We have added UBA & ACCESS to our WATCHLIST...

UBA Sweet-Spot is circa #30 while
ACCESS Sweet-Spot is circa #20
Buy above those prices are your peril....

Let's bear in mind that "SELL IN MAY AND GO AWAY" is the CORNER, 💕
I know you're joking.




BARGAIN HUNTERS TAKE NOTE!

lasisi:
@EDUECO no mind pa Emmanuel. You will laugh last.

lasisi:
. ACCESSCORP to rally to 45 and UBA to dip to 40

lasisi:
Dangote Refinery Secures $4bn Loan from Afreximbank, Access Bank

Agbalowomeri:
Are you even sure that it's not the cowboys that connived with CBN? Because after provisioning who go harrase dem for loan repayment again

ppogba:
In other words, the discerning with shares in the big elephant bank should rather shift their hope, attention and gaze elsewhere. The non performing loans in their books is a behemothic Goliath. He that has ears, let him hear.

yMcy56:
Things might not be worst as people are over analyzing here..
Rise in prices wasn't and isn't about dividends alone...
Make una no give yourselves unnecessarily heart attack over UBA's result...
If Tony can address shareholders, the press or drop a press release just like Otedola did, it will douse tension....
After one or two days, the price may stabilize....
We've been in this market before.....
His boys may storm the market to stabilize the share price.......
He has done it before......let's see how this is again handled.
When STANBIC declared below expectation dividend, it was punished for one or two days, stabilize, then started moving up again.
It's well.

Streetinvestor2:
Make we dey see.So after toni picked the RI at #50 and you guys no buy you expected him to pay u guys dividend. And they think he will allow something he bought at #50 go to #30
Is it dividend making transcorp hotel go above #200.
Uba will see red of 2 or 3 days and that is all
Is it expected dividend driving FBNH to this present price

isaacosas01:
If you now add the fact that asset has more assets than zenith and also access corp’s Interest income is also higher than zenith.

Access current valuation is criminal

mikeapollo:
Me? Where did I mention Oando?
I no wan your trouble oooo?

mikeapollo:
If na potential, all the stocks in NGX do have great potential, including the one that you don't want to hear the name ....if I say ''O'', you say ''A'', another man say ''N'', them say 'D'' and he say ''O''........omo na you sabi

GeneralDae:
Zenith Bank is now worth over $4 Billion.

PinkNature:
what’s the best stock to buy with this funds

ogoo4real:
Access is not just ready. I don't know why

stokfrick:
My brother I just tire for all these brokers.
I dey run from Morgan come jam problem here.
Abeg make una help a brother here.

NSEstudent:
Especially information about brokers to avoid. I don't understand why newbies gravitate to some third party brokers. Perhaps it's because of their mobile friendliness.

Streetinvestor2:
I almost sold at #200 as that was my target from chinko in my investment account. Infact I sold 50k I bought in my jijo account. Then was about to sell the remaining 50k in that account last week but forgot as I was busy
The one in my investment account na no go area till next generation..lol
After we kick out this yeye government .I will start pushing that one in investment account to 1 billion single stock target based on future SP appreciation

Deemamadee:
Hi everyone,

I just came across this thread today—there’s so much information here! 😊 I’ve gone through about 100 pages already and learned that I can start investing using apps like Bamboo.

I’m completely new to stock investing, so I’d really appreciate any tips or advice for a beginner before I start buying.

What should I watch out for? Any mistakes to avoid?

Thank you so much!