₦airaland Forum

Kkkk

Abeg make una help me summarize wetin dis one dy talk..biko dis guy jst make me run go chemist mman shop for panadol....na wa

MAYOWAAK:
BEFORE WE BARRAGE OUR BANKS TO DEATH

So I get a call from an NTA reporter a few days ago. She wanted to interview me about the new policy by which banks will now have to pay customers for using their e-Channels, including ATM Machines. She also wanted to know what I thought about the directive for them to refund N17billion which they had wrongfully charged customers. She wanted the interview IMMEDIATELY, even though I needed a bit of time to research what was going on. The statements from the Central Bank had only been made the day before. I went online to see what I could find, and realized that what the CBN was trying to do, was initiate a scenario where banks will have ‘loyalty’ programs. It’s just like going to a supermarket and being issued a loyalty card that entitles one to 5% discount for repeat purchases.

I also explained to her during the interview that I believe that MOST banks do not set about trying to cheat customers, but that a lot of the refunds may be due to operational errors made on the shop floor. Well, I recall working in a bank where in those days, some of the more philistinic bosses would ask that you ‘charge the customer maximally’. But over time, especially in the last few years under Sanusi, everybody became super careful. Errors still occur, but the age of exuberance is gone. Banks have been made to adopt the best in corporate governance, their fees have been cut, COT is to disappear fully by 2016, there is even this new drive for them to embrace Sustainable Practices, meaning that their annual reports must be presented from even a broader Stakeholder perspective. The CBN wants to know if all their practices are sustainable. How have they engaged with the environment? What about their staff? What about Corporate Social Responsibility? And so on.

One of the more radical changes in the last few years, is the advent of e-Banking, which brought about a lot of transparency. Since bank customers have immediate and direct access to their accounts from the comfort of their offices or mobile phones, they are able to contest transactions more often. The banks are feeling the heat. I understand that a number of the banks were threatened with legal action by a number of their Bureau De Change customers recently, who missed the deadline of July 31 for remitting certain amounts, maybe because of systems or operational problems. Naturally, everything comes down on top of the banks. They are fair game. Not only in Nigeria but all over the world.

I recall calling my phone service provider in the UK, when in 2006 I was about to round up my Masters degree. I needed to terminate my contract, by stopping the monthly deductions they made. It was nearly impossible (they would go on charging for 7 months after I had left). But on this day, I had called my bank, Barclays, asking them to cancel the standing order. Barclays said “call your service provider to inform them, we cannot just cancel your standing order”. I called the service provider. One guy came on the phone. I explained to him what had happened. “What Bank do you use?”. “Barclays”. “Why would they not stop the standing order”. I explained. “Do you know how much Barclays made last year? Or HSBC?!” The guy was angry now. “6 Billion quid! That’s what they made. This government (UK Government) always positions business for those banks and they are so greedy. In fact even I am leaving this country. I just can’t take it anymore!” I was shocked how angry that white Englishman was. He dropped, my problem was not solved, even though it was largely the fault of O2, the service provider.

These days, I am always saddened when I go into any banking hall in Nigeria. The environment is often depressing. Maybe it’s that desperate look on the faces of the staff, that tells you they’ve been barraged and insulted this morning, threatened that their jobs could disappear at any moment. The culture has always been that the board asks the MD to perform the impossible, all they are interested in is the huge profits. The MD equally unleashes terror on his EDs and GMs. It’s like nuclear energy. You know, the atomic bomb. It starts small, but by the time it rolls down the rank and file, it picks up velocity, meanness and wickedness. This culture is what drives many a ‘bank worker’ to hate the system so much, they too start thinking of defrauding the banks. By the time the hateful energy reaches the guy on the shop floor, he just can’t take it anymore. It also drives them to make mistakes in their duties, apart from taking their dignity away.

The marketing guys bear the brunt. These days, many banks have employed marketers based strictly on commission. Some earn just N30,000 (less than $200) a month, if they don’t manage to open new accounts. Marketing cars? Where you see am? I see them sometimes trekking long distances after leaving my office. It’s depressing. Banking is far from what it used to be. In my first exposure to being a relationship officer, in 1997, I was allocated about 14 accounts, and told to grow the business on them. I was given a bit of pressure to open new good relationships. But today, the management of banks no longer care about relationships. They give instructions to their staff to go open 10,000 accounts each. Let me give them a feedback right here right now; it is damaging to your business, to the psychology of your staff, to how we the customers view you, and to the banking profession at large. It just does not make sense. How on earth is anyone going to manage 10,000 accounts? Not even 1,000. Not even 100.

What happened to banking? Most of the problem came from the executives, past and present. Nigerian banks are commercial banks. But they want to roll like the investment banks of Canary Wharf or Wall Street. Only better. They want to earn – at the top levels – better than those guys. They can even do personal deals that the Wall Street bankers would get jailed for. They live large, become high rollers. Some get courted by the government, given awards and appointed into all sorts of committees. This creates antagonism between the banks and the customers. The regulator steps in, determines the excesses of the banks, and rolls out the sanctions.

Unfortunately, it is the rank and file who suffers. The first to get wasted are those junior people. They are the first whose careers are stalled. In the days when the current executives were climbing the ladder, they knew they had a career. But today, careers are finished. What you get when you walk into a banking hall, apart from empty cubicles where they had planned to have human beings dispensing cash until e-Banking came along, are those sad eyes that I hate to look into. It’s not as if it’s easy for those of us outside, but it depresses one to see those faces, and oftentimes, to be told by them in hushed tones just how desperate things are, as they slip their CVs into your palms or obtain your email for the same purpose.

And then we all form the mob and rain down on the banks. Every customer is sure that they are overcharging his/her account even if there is no evidence. No one wants N1.00 to be taken as charges for anything. Some banks used to pay you for withdrawing money from your account. When I see the fees they take for sundry services, I wonder how they survive. For me, the issue is not generator and diesel. As standard businesses, with loads of staff to pay, you have to generate some good income. Nigerians say the banks should face their core business of lending. But we forget that even we Nigerians are very bad debtors. See what we had to move to AMCON, bailouts for many of our big men, many of whom hold national awards! The nation as a whole had to pay. For normal customers, 70% - 80% of the loans go bad. You give a loan and the man thinks it is just cash flow by any means. He decides to re-bury his grandmother who died 25 years ago! He pays tithes of 10% to his church because his pastor told him “you have to pay on every cash flow so that ‘Gaaad’ blesses the rest!!”

But I urge that we have a rethink about the way we have been raining down on our banks. They are shrinking. Their businesses are shrinking. Even their staff are shrinking in size. No, it’s not the gym. It’s the stress and bad cash flow. It’s the sanctions they receive from their bosses who are mostly at their wit’s end. It’s the psychological trauma of being cursed at every meeting for not meeting ‘targets’. It’s the trauma of being employed as an internal control officer, an internal auditor, only to be asked to go and meet your family and raise N200million in new accounts. It’s the apparent failure of the current banking business model. The problem is; can we imagine how the ideal situation will look like? Certainly, the executives have to reduce their expectations. They probably have to earn less because the cash flows will not sustain the expectations of the past. But those at the lower echelon need protection from the regulators and the rest of us. They need a proper return to the days when they could be happy that they have careers. The exuberance of the Soludo days – when branches were opened everywhere at huge costs – are since over. The illusions have disappeared. The industry has shaken out. Many have been laid off. But we should not stand aside as the industry shrinks to death. Indeed we should not bring out our own machetes and inflict more blows as part of the lynchmob.

I hope the banks find their mojos back. A lot of them are just marking time. The days of innocence are gone. Even we the people will not be happy with the picture when it all comes tumbling down. It’s also about the disappearance of the middle class. The only ‘safe’ industry in Nigeria is oil and gas. Telecoms has shaken out too; is still shaking out. Let’s have some mercy for our banks and bankers please. Believe it or not, they need it.

BY:TOPE FASUA

Uadaighofua@yahoo.com...tnx in advance

See toasting line*

efedua:
I would rely loved to know a bit about u, smthing like ur name and others, just friendly with ur mood here, do u bbm or whatsapp

Biggy or wettin u dy call ursef,drop picks and let's follow u to green land,if n not. I advise u keep calm for this thread is football betting tips nt a thread to come and show off screenshots dt shows u hitting dem bookies real hard,i don't believe in too much talk,but actions,drop your pick here for all to see and believe,remember empty vessel make noise die!!!! But meanwhile see my today picks

Type of bet: Accumulator
Total betting amount: 91.90
Bonus: 466.06
Possible Win: 665.82
Won: 0.00
1. 05.11.14 18:00
SC Beira Mar - CD Trofense (Under/Over 0.5
goals)
Customer type: Over 0.5 goals @ 1.05
Result:
2. 05.11.14 18:00
Benfica Lissabon B - SC Olhanense (Under/Over
1.5 goals)
Customer type: Over 1.5 goals @ 1.22
Result:
3. 05.11.14 17:00
Uniao Madeira - Maritimo Funchal B (Under/Over
1.5 goals)
Customer type: Over 1.5 goals @ 1.25
Result:
4. 05.11.14 16:00
FC Porto B - CD Tondela (Under/Over 0.5 goals)
Customer type: Over 0.5 goals @ 1.05
Result:
5. 05.11.14 20:45
Nottingham Forest - Brentford Fc (Under/Over
1.5 goals)
Customer type: Over 1.5 goals @ 1.22
Result:
6. 05.11.14 21:00
Fulham FC - Blackpool FC (Under/Over 0.5 goals)
Customer type: Over 0.5 goals @ 1.03
Result:
7. 05.11.14 13:00
Ethnikos Achnas FC - Aris Limassol FC (Aris
Limassol clean sheet)
Customer type: No @ 1.12
Result:
8. 05.11.14 12:30
Tampines Rovers FC - Brunei Dpmm FC (Under/
Over 1.5 goals)
Customer type: Over 1.5 goals @ 1.14
Result: Over 1.5 goals
9. 05.11.14 22:00
Limon FC - Uruguay De Coronado (Under/Over
1.5 goals)
Customer type: Over 1.5 goals @ 1.22
Result:
10. 05.11.14 20:45
Manchester City - CSKA Moscow (Under/Over 1.5
goals)
Customer type: Over 1.5 goals @ 1.10
Result:
11. 05.11.14 20:45
Bayern Munich - AS Roma (Under/Over 1.5 goals)
Customer type: Over 1.5 goals @ 1.09
Result:
12. 05.11.14 20:45
Paris St Germain - Apoel Nicosia (Under/Over 1.5
goals)
Customer type: Over 1.5 goals @ 1.15
Result:
13. 05.11.14 20:45
Ajax Amsterdam - FC Barcelona (Ajax
Amsterdam clean sheet)
Customer type: No @ 1.05
Result:
14. 05.11.14 20:45
NK Maribor Piv Lasko - Chelsea FC (NK Maribor
Piv Lasko clean sheet)
Customer type: No @ 1.07
Result:
15. 05.11.14 20:45
Sporting Lisbon - FC Schalke 04 (Under/Over 1.5
goals)
Customer type: Over 1.5 goals @ 1.22
Result:
16. 05.11.14 20:45
Athletic Bilbao - FC Porto (Under/Over 0.5 goals)
Customer type: Over 0.5 goals @ 1.04
Result:
17. 05.11.14 20:45
FC Shakhtar Donetsk - FC BATE Borisov (Under/
Over 1.5 goals)
Customer type: Over 1.5 goals @ 1.12
Result:

Finallly FTC!!!!! (wats d big deal),well I must thank glo for this..........that's all

Please can somebody list out in details fees that needs to be paid before one can say he/she is a bonafide UNIBEN studdent

Ok

Ok

Up hull city

1. 25.10.14 15:00
Southampton FC - Stoke City (1X2)
Customer type: Southampton FC @ 1.60
Result:
2. 25.10.14 15:00
Sunderland AFC - Arsenal FC (Double Chance)
Customer type: X/2 @ 1.15
Result:
3. 25.10.14 12:45
West Ham Utd - Manchester City (1X2)
Customer type: Manchester City @ 1.55
Result:
4. 25.10.14 15:00
Liverpool FC - Hull City (Under/Over 1.5 goals)
Customer type: Over 1.5 goals @ 1.14
Result:
5. 25.10.14 17:00
Real Madrid - FC Barcelona (Both teams to score)
Customer type: Yes @ 1.40
Result:
6. 25.10.14 15:00
Reading FC - Blackpool FC (1X2)
Customer type: Reading FC @ 1.60
Result:
7. 25.10.14 19:45
UC Sampdoria - AS Roma (Under/Over 0.5 goals)
Customer type: Over 0.5 goals @ 1.04
Result:
8. 25.10.14 17:30
Bayer 04 Leverkusen - FC Schalke 04 (Under/Over 1.5 goals)
Customer type: Over 1.5 goals @ 1.12
Result:
9. 25.10.14 14:30
Borussia Dortmund - Hannover 96 (1X2)
Customer type: Borussia Dortmund @ 1.20
Result:
10. 25.10.14 19:45
Ajax Amsterdam - Go Ahead Eagles (1X2)
Customer type: Ajax Amsterdam @ 1.19
Result:
11. 25.10.14 17:30
Vitesse Arnheim - NAC Breda (1X2)
Customer type: Vitesse Arnheim @ 1.30
Result:
12. 25.10.14 16:00
Paris Saint Germain - FC Girondins Bordeaux (1X2)
Customer type: Paris Saint Germain @ 1.35
Result:
13. 25.10.14 19:00
SC Bastia - AS Monaco (Under/Over 1.5 goals)
Customer type: Over 1.5 goals @ 1.35
Result:
14. 25.10.14 19:00
Stade de Reims - HSC Montpellier (Under/Over 0.5 goals)
Customer type: Over 0.5 goals @ 1.06
Result:

Ko

K

Gurus help me reason this combo


1. 21.10.14 19:45
AS Roma - Bayern Munich (1X2)
Customer type: FC Bayern München @ 1.80
Result:
2. 21.10.14 17:00
CSKA Moscow - Manchester City (1X2)
Customer type: Manchester City @ 1.60
Result:
3. 21.10.14 19:45
FC Barcelona - Ajax Amsterdam (1X2)
Customer type: FC Barcelona @ 1.11
Result:
4. 21.10.14 19:45
Apoel Nicosia - Paris St Germain (1X2)
Customer type: Paris Saint Germain @ 1.45
Result:
5. 21.10.14 19:45
FC Schalke 04 - Sporting Lisbon (Under/Over 0.5 goals)
Customer type: Over 0.5 goals @ 1.03
Result:
6. 21.10.14 19:45
Chelsea FC - NK Maribor Piv Lasko (1X2)
Customer type: Chelsea FC @ 1.12
Result:
7. 21.10.14 19:45
FC Porto - Athletic Bilbao (Under/Over 1.5 goals)
Customer type: Over 1.5 goals @ 1.30
Result:
8. 21.10.14 19:45
FC BATE Borisov - FC Shakhtar Donetsk (Under/Over 1.5 goals)
Customer type: Over 1.5 goals @ 1.35
Result:

4 greens and more to go...pray for more greens

Type of bet: Accumulator
Total betting amount: 50.00
Bonus: 16681.33
Possible Win: 18534.80
Won: 0.00
1. 20.10.14 20:00
West Bromwich Albion - Manchester United (Under/Over 0.5 goals in 1st half)
Customer type: Over 0.5 goals @ 1.35
Result:
2. 20.10.14 19:15
Fortuna Düsseldorf - FC ST Pauli (1X2)
Customer type: Fortuna Düsseldorf @ 1.60
Result:
3. 20.10.14 19:45
Genoa Cfc - FC Empoli (1X2)
Customer type: Genoa Cfc @ 2.00
Result:
4. 20.10.14 11:00
Dynamo Barnaul - FC Irtysh Omsk (Under/Over 0.5 goals)
Customer type: Over 0.5 goals @ 1.04
Result: Over 0.5 goals
5. 20.10.14 09:30
Yakutiya Yakutsk - FC Tom Tomsk 2 (1X2)
Customer type: Yakutiya Yakutsk @ 1.30
Result: Yakutiya Yakutsk
6. 20.10.14 11:00
FC Metallurg Kuzbass Novokuznetsk - Sibir-2 Novosibirsk (1X2)
Customer type: Metallurg-Kuzbass @ 1.22
Result: Metallurg-Kuzbass
7. 20.10.14 15:00
Zenit-2 ST Petersburg - FK Znamya Truda (1X2)
Customer type: Zenit-2 ST Petersburg @ 1.19
Result:
8. 20.10.14 17:30
ADO Den Haag - NAC Breda (1X2)
Customer type: ADO Den Haag @ 1.55
Result:
9. 20.10.14 19:45
Curzon Ashton FC - Witton Albion (1X2)
Customer type: Curzon Ashton @ 1.40
Result:
10. 20.10.14 19:45
Hitchin Town - Banbury United (1X2)
Customer type: Hitchin Town @ 1.25
Result:
11. 20.10.14 19:45
Hendon - Billericay Town (Billericay Town clean sheet)
Customer type: No @ 1.08
Result:
12. 20.10.14 10:00
Czech Republic - Northern Ireland (1X2)
Customer type: Czech Republic @ 1.24
Result: Czech Republic
13. 20.10.14 17:00
Ukraine - Austria (1X2)
Customer type: Austria @ 1.50
Result:
14. 20.10.14 13:00
Armenia - Moldova (1X2)
Customer type: Moldova @ 1.60
Result:
15. 20.10.14 13:00
Italy - Iceland (1X2)
Customer type: Italy @ 1.40
Result:
16. 20.10.14 10:00
Uzbekistan - North Korea (Under/Over 0.5 goals in 1st half)
Customer type: Over 0.5 goals @ 1.60
Result:
17. 20.10.14 13:30
Myanmar - Qatar (Under/Over 1.5 goals)
Customer type: Over 1.5 goals @ 1.30
Result:
18. 20.10.14 17:30
De Graafschap - Brabant United (1X2)
Customer type: De Graafschap @ 1.23
Result:
19. 20.10.14 13:00
Newcastle United - Brighton & Hove Albion (1X2)
Customer type: Newcastle United @ 1.40
Result:

Risky game for today,stake wisely

Type of bet: Accumulator
Total betting amount: 50.00
Bonus: 967.91
Possible Win: 3122.30
Won: 0.00
1. 20.10.14 20:00
West Bromwich Albion - Manchester United (Under/Over 1.5 goals)
Customer type: Over 1.5 goals @ 1.20
Result:
2. 20.10.14 19:45
Real Sociedad - CF Getafe (1X2)
Customer type: Real Sociedad @ 1.50
Result:
3. 20.10.14 19:00
PSV Eindhoven - Fortuna Sittard (1X2)
Customer type: Jong Psv Eindhoven @ 1.90
Result:
4. 20.10.14 18:50
Maccabi Tel Aviv - Maccabi Haifa (1X2)
Customer type: Maccabi Tel Aviv @ 1.70
Result:
5. 20.10.14 17:30
Wacker Innsbruck - TSV Sparkasse Hartberg (1X2)
Customer type: FC Wacker Innsbruck @ 1.50
Result:
6. 20.10.14 18:00
Esbjerg FB - Odense BK (1X2)
Customer type: Esbjerg FB @ 1.70
Result:
7. 20.10.14 16:30
FC Rubin Kazan - FC Mordovia Saransk (1X2)
Customer type: Rubin Kazan @ 1.50
Result:
8. 20.10.14 11:00
Pakistan Air Force - Baloch FC Quetta (1X2)
Customer type: Pakistan Air Force @ 1.30
Result:
9. 20.10.14 14:00
Agrotikos Asteras - Larisa Ael (Double Chance)
Customer type: X/2 @ 1.20
Result:
10. 20.10.14 13:15
Stallion FC - Manila Jeepney (1X2)
Customer type: Stallion FC @ 1.80
Result:

K

K

Uadaighofua@yahoo.com Abeg oo my info

My wicked acca,very risky


1. 17.10.14 19:00
AJ Auxerre - AS Nancy (Handicap 0:2)
Customer type: AS Nancy Lorraine @ 1.16
Result:
2. 17.10.14 19:00
Tours FC - Olympique Nimes (Handicap 0:2)
Customer type: Olympique Nimes @ 1.18
Result:
3. 17.10.14 19:00
AC Le Havre - SCO Angers (Handicap 0:2)
Customer type: SCO Angers @ 1.20
Result:
4. 17.10.14 20:00
Granada CF - Rayo Vallecano (Handicap 0:2)
Customer type: Rayo Vallecano @ 1.18
Result:
5. 17.10.14 19:45
Rotherham Utd - Leeds United (Handicap 0:1)
Customer type: Leeds United @ 1.65
Result:
6. 17.10.14 17:30
1 FC Heidenheim - 1. FC Kaiserslautern (Handicap 0:2)
Customer type: 1. FC Kaiserslautern @ 1.09
Result:
7. 17.10.14 17:30
VfL Bochum - SV Darmstadt 98 (Handicap 1:0)
Customer type: VfL Bochum @ 1.25
Result:
8. 17.10.14 19:30
1 FC Nuremberg - RB Leipzig (Under/Over 1.5 goals)
Customer type: Over 1.5 goals @ 1.25
Result:
9. 17.10.14 19:30
RC Lens - Paris Saint Germain (Under/Over 1.5 goals in 1st half)
Customer type: Over 1.5 goals @ 2.60
Result:
10. 17.10.14 18:30
Germania Schnelsen - SV Rugenbergen (Handicap 0:1)
Customer type: SV Rugenbergen @ 1.25
Result:
11. 17.10.14 19:00
FC Süderelbe - Meiendorfer SV (Handicap 2:0)
Customer type: FC Süderelbe @ 1.14
Result:
12. 17.10.14 17:00
Eintracht Braunschweig II - Goslarer SC (Handicap 0:2)
Customer type: Goslarer SC @ 1.20
Result:
13. 17.10.14 18:30
FC Viktoria Cologne - Sportfreunde Lotte (Double Chance)
Customer type: 1/X @ 1.16
Result:
14. 17.10.14 18:30
Sportfreunde Siegen - ROT Weiss Essen (Handicap 0:1)
Customer type: ROT Weiss Essen @ 1.12
Result:
15. 17.10.14 18:30
VfR Mannheim - SSV Ulm 1846 (Handicap 0:1)
Customer type: SSV Ulm 1846 @ 1.15
Result:
16. 17.10.14 18:00
FC Bayern München II - SV Schalding-Heining (Double Chance)
Customer type: 1/X @ 1.07
Result:
17. 17.10.14 18:30
FC Memmingen - FC Augsburg II (Handicap 0:2)
Customer type: FC Augsburg II @ 1.12
Result:
18. 17.10.14 18:00
FC Eintracht Bamberg 2010 - SV Heimstetten (Under/Over 1.5 goals)
Customer type: Over 1.5 goals @ 1.16
Result:
19. 17.10.14 18:00
Spvgg Bayreuth - 1. FC Nürnberg II (Handicap 0:2)
Customer type: 1. FC Nürnberg II @ 1.10
Result:
20. 17.10.14 18:30
Eintracht Trier - 1899 Hoffenheim II (Handicap 0:1)
Customer type: 1899 Hoffenheim II @ 1.35
Result:
21. 17.10.14 13:00
Reading FC - Middlesbrough FC (Double Chance)
Customer type: 1/X @ 1.30
Result:
22. 17.10.14 19:00
Arsenal FC - Blackburn Rovers (Under/Over 1.5 goals)
Customer type: Over 1.5 goals @ 1.12
Result:
23. 17.10.14 19:45
AC Monza Brianza 1912 - Calcio Como (Handicap 1:0)
Customer type: AC Monza Brianza 1912 @ 1.35
Result:
24. 17.10.14 18:30
Reggina Calcio - Lupa Roma (Handicap 0:1)
Customer type: Lupa Roma FC @ 1.55
Result:

Who's online

1. 16.10.14 23:10
Argentinos Jrs - Estudiantes De Buenos Aires (Both teams to score)
Customer type: Yes @ 2.20
Result:
2. 16.10.14 23:15
Vitoria BA - Atletico Nacional Medellin (Double Chance)
Customer type: 1/X @ 1.35
Result:
3. 16.10.14 21:45
UTC De Cajamarca - Inti Gas Deportes (Double Chance)
Customer type: 1/X @ 1.20
Result:
4. 16.10.14 23:00
Jamaica - Martinique (1X2)
Customer type: Jamaica @ 1.02
Result:

ok

08158072135

K

Front page material

Front page things,which network u dy use?@charlie u fast sha

chineduho:
If i combo games and only 1 game loses out of the combo, are there any bookies that will either:
1. Pay me for the WON games.
2. Refund my stake.

my guy my guy,e means say ur money don roast,try again