rebekah2011:
http://www.nse.com.ng/Financial_NewsDocs/25803_ACCESS_BANK_PLC._FINANCIAL_STATEMENTS_APRIL_2019.pdf

Looks fantastic. EPS: Group 137k against 75k, Bank 104k against 57k. Waiting for OGG and others to digest the intestines of the result to know if the bile has not ruptured with the liver

Go to the bank with this result and you will blame yourself.

kolaish:
Looks fantastic. EPS: Group 137k against 75k, Bank 104k against 57k. Waiting for OGG and others to digest the intestines of the result to know if the bile has not ruptured with the liver

Deadlytruth:

The bolded is somewhat reflexive. You too do hang the monkey hunter label on others who give their honest opinions on stock picks here. So it is all fun at the end of the day.

ooh! thatz true. thks for reminding me

rebekah2011:
http://www.nse.com.ng/Financial_NewsDocs/25803_ACCESS_BANK_PLC._FINANCIAL_STATEMENTS_APRIL_2019.pdf

This result alone will give about 10 pages this evening.Over to commentators......

DOLLARTEX:
lol,this same cileasing!I paid my NSE dues here.bought at 0.75 far back.it stayed at 0.5 for like ages, I was begging my analog stock broker to get rid of it,he said no buyer. suddenly,cileasing started moving! the foolish stock broker feeling like he was doing me a favor sold at 0.65 only for it to hit 2,3,4......

Analogue stockbrokers have actually done investors more harm than good.
Mine did so to me when FO started appreciating in 2013 from about N8 where it stayed for donkey years, and eventually hit over N300. When they do the bolded you start wondering whether their common sense didn't tell them that why you wanted to sell initially in the first instance was the stock's refusal to appreciate. But what I later discovered is my stockbroker too bought that FO at same N8 but didn't sell his own early into the rally as he did mine. I added one and two together and concluded that he sold mine to himself on a very stale sale mandate I gave him many months earlier. Likewise, your broker must have sold that your CI LEASING to himself. Those guys have Masters Degree in Ojoro.

rebekah2011:
http://www.nse.com.ng/Financial_NewsDocs/25803_ACCESS_BANK_PLC._FINANCIAL_STATEMENTS_APRIL_2019.pdf

I no understand this result o, sey this one na magic?

Mcy56:

Walk out on deadlylie and his vocab like......

Aren't you really one going by your false accusations presenting me as a deceptive stock recommender despite you have so far not been able to quote a single post in which I recommended a stock? I even once made it clear here that when my SA points me to a stock, I keep it to myself and quietly buy to avoid Monkey hunter label. If you have no concrete thing to say, why not try to give a new reason why you still think CHAMS will finally end up as a tree which people were made to climb only for it to be cut down suddenly?

anyone with a replay of how access closed today? this result is tempting me ooo.

Unaudited results??

DOLLARTEX:
anyone with a replay of how access closed today? this result is tempting me ooo.

pluto09:



I no understand this result o, sey this one na magic?

cant also understand ooo............Gurus bail us out ooo

rebekah2011:
Unaudited results??

q1 is always unaudited!

he Securities and Exchange Commission (SEC) has been urged to nullify the merger between Access Bank Plc and Diamond Bank Plc which took effect in March 2019.

SEC was advised by Chief Don Etiebet, a former Minister of Petroleum, to nullify the consolidation, not because the merger threatens fair play in the banking industry, but because of an on-going court case against Access Bank Plc and its Chief Executive Officer, Herbert Wigwe.

According to Daily Trust, Etiebet made the request in a petition written to Securities and Exchange Commission, notifying the stock market regulator of an impending court case against Access Bank Plc, Mr. Wigwe, and other executive directors.

Bua group
According to the petition which is dated March 19, 2019, Etiebet said his decision to seek for a nullification of the merger was in pursuant to the provision of Section 124 (3) of the Investment and Securities Act 2007 which ‘empowers any person to voluntarily file any document, affidavit, statement or other relevant information in respect of the merger’.

Etiebet’s argument: Etiebet accused Access Bank Plc and its executives of hiding the criminal charges against them from SEC and other regulators like the Central Bank of Nigeria (CBN). He further argued that if the regulators had knowledge of the case, the merger would not have been approved.

This can affect the Access Bank and Diamond Bank merger
Etiebet’s petition to SEC against the merger can see the approval of the consolidation withdrawn if SEC discovers Access Bank Plc truly hid the fraud case from regulators.

Etiebet based his argument on the provision of Section 127 of the Investment and Securities Act 2007, which states that;

“THE COMMISSION MAY REVOKE ITS OWN DECISION TO APPROVE OR CONDITIONALLY APPROVE A SMALL, INTERMEDIATE OR LARGE MERGER IF THE DECISION WAS BASED ON INCORRECT INFORMATION FOR WHICH A PARTY TO THE MERGER IS RESPONSIBLE AND THE APPROVAL WAS OBTAINED IN DECEIT.”

Access Bank clarified stand in the Fraud case
In March 2019, Access Bank Plc released a statement clarifying the company’s position, including that of its CEO and Directors. The Bank claimed that it actually reported the case first to the Police Special Fraud Unit before a suit was filed against Access Bank.

In the statement, the management said in 2015, the bank made financial provision for a customer — Metal Steel Products Limited — to import billets and other machinery used for the expansion of the customers’ factory. But following the arrival of the imported goods, the company, (i.e, the customer), went ahead to clear imports without first making some necessary payments.

This prompted Access Bank Plc to report the development to the Police Special Fraud Unit, which obtained a court order for Access Bank to take over Metal Steel Products Limited’s business operations.

Adding that the lawsuit was instituted due to the misunderstanding between the Registrar that took charge of the property and Metal Steel Products Limited.

aremso:
he Securities and Exchange Commission (SEC) has been urged to nullify the merger between Access Bank Plc and Diamond Bank Plc which took effect in March 2019.

SEC was advised by Chief Don Etiebet, a former Minister of Petroleum, to nullify the consolidation, not because the merger threatens fair play in the banking industry, but because of an on-going court case against Access Bank Plc and its Chief Executive Officer, Herbert Wigwe.

According to Daily Trust, Etiebet made the request in a petition written to Securities and Exchange Commission, notifying the stock market regulator of an impending court case against Access Bank Plc, Mr. Wigwe, and other executive directors.

Bua group
According to the petition which is dated March 19, 2019, Etiebet said his decision to seek for a nullification of the merger was in pursuant to the provision of Section 124 (3) of the Investment and Securities Act 2007 which ‘empowers any person to voluntarily file any document, affidavit, statement or other relevant information in respect of the merger’.

Etiebet’s argument: Etiebet accused Access Bank Plc and its executives of hiding the criminal charges against them from SEC and other regulators like the Central Bank of Nigeria (CBN). He further argued that if the regulators had knowledge of the case, the merger would not have been approved.

This can affect the Access Bank and Diamond Bank merger
Etiebet’s petition to SEC against the merger can see the approval of the consolidation withdrawn if SEC discovers Access Bank Plc truly hid the fraud case from regulators.

Etiebet based his argument on the provision of Section 127 of the Investment and Securities Act 2007, which states that;

“THE COMMISSION MAY REVOKE ITS OWN DECISION TO APPROVE OR CONDITIONALLY APPROVE A SMALL, INTERMEDIATE OR LARGE MERGER IF THE DECISION WAS BASED ON INCORRECT INFORMATION FOR WHICH A PARTY TO THE MERGER IS RESPONSIBLE AND THE APPROVAL WAS OBTAINED IN DECEIT.”

Access Bank clarified stand in the Fraud case
In March 2019, Access Bank Plc released a statement clarifying the company’s position, including that of its CEO and Directors. The Bank claimed that it actually reported the case first to the Police Special Fraud Unit before a suit was filed against Access Bank.

In the statement, the management said in 2015, the bank made financial provision for a customer — Metal Steel Products Limited — to import billets and other machinery used for the expansion of the customers’ factory. But following the arrival of the imported goods, the company, (i.e, the customer), went ahead to clear imports without first making some necessary payments.

This prompted Access Bank Plc to report the development to the Police Special Fraud Unit, which obtained a court order for Access Bank to take over Metal Steel Products Limited’s business operations.

Adding that the lawsuit was instituted due to the misunderstanding between the Registrar that took charge of the property and Metal Steel Products Limited.

i hate it when Elder states men that should be the peoples custodian rant with evil intentions.....Access Diamond merger had been in the news for more than 6 months now, why is this man coming out now that the deal is consumated....If you have sensitive info that can benefit the country, why come out now......


Any how Wigwe got a court injuction before going ahead

DaV8King:


I personally bought Fidelity at N 1.10 end 2017 and sold same at above N 3.80 last year.
Still in the boat after all said and done.

People bought NB at N 5 during IPO, but today NB at N 59 gives them shivers that it is too low.
Never mind all the dividend and bonus they received.

Those who saw value in Zenith at N 7 and rode it to N 70+ during the good old days (pre 2008) definitely can testify.
Even if they didn't sell, at today's price of N 21 that's 300% capital appreciation.
Again before dividends and bonuses are mentioned.

I am presently testifying with Caverton, starting buying at N 1.20.
Add small units at any price point below N 2.30, so some of my units are 100%+ already.

Those who bought Fidson will testify when the full impact of their manufacturing contract with GSK is felt.
Plus their own organic growth.
Remember GSK on it's own is above N 8/share presently.

And Fidson is about to take on approx 70% of their production.
Agreed it will not be a fully direct transfer, but ceteris paribus I see Fidson at least at N 10/ share by conclusion of the process.

As Oga Currentprice stated before, DF shortly after mutating from Tiger.


Still looking for more?

I know the entire system of poor corporate governance, corruption, nepotism and magical trading affects NSE badly.

But trust me, if you are willing to do the all nighters after work punching calculator and poring through quarterly and annual accounts*, there is value to be had.

**I HATE reading the notes to accounts, but that is where the real value is found my brother.
It's where the bodies are buried

But if you factor in the number of years of waiting it took you to get these values you'll realize that compound interest investments in other money instruments would give you same value if not even more. So what exactly is the better advantage in stocks as regards this your own idea of value?

aremso:
he Securities and Exchange Commission (SEC) has been urged to nullify the merger between Access Bank Plc and Diamond Bank Plc which took effect in March 2019.

SEC was advised by Chief Don Etiebet, a former Minister of Petroleum, to nullify the consolidation, not because the merger threatens fair play in the banking industry, but because of an on-going court case against Access Bank Plc and its Chief Executive Officer, Herbert Wigwe.

According to Daily Trust, Etiebet made the request in a petition written to Securities and Exchange Commission, notifying the stock market regulator of an impending court case against Access Bank Plc, Mr. Wigwe, and other executive directors.

Bua group
According to the petition which is dated March 19, 2019, Etiebet said his decision to seek for a nullification of the merger was in pursuant to the provision of Section 124 (3) of the Investment and Securities Act 2007 which ‘empowers any person to voluntarily file any document, affidavit, statement or other relevant information in respect of the merger’.

Etiebet’s argument: Etiebet accused Access Bank Plc and its executives of hiding the criminal charges against them from SEC and other regulators like the Central Bank of Nigeria (CBN). He further argued that if the regulators had knowledge of the case, the merger would not have been approved.

This can affect the Access Bank and Diamond Bank merger
Etiebet’s petition to SEC against the merger can see the approval of the consolidation withdrawn if SEC discovers Access Bank Plc truly hid the fraud case from regulators.

Etiebet based his argument on the provision of Section 127 of the Investment and Securities Act 2007, which states that;

“THE COMMISSION MAY REVOKE ITS OWN DECISION TO APPROVE OR CONDITIONALLY APPROVE A SMALL, INTERMEDIATE OR LARGE MERGER IF THE DECISION WAS BASED ON INCORRECT INFORMATION FOR WHICH A PARTY TO THE MERGER IS RESPONSIBLE AND THE APPROVAL WAS OBTAINED IN DECEIT.”

Access Bank clarified stand in the Fraud case
In March 2019, Access Bank Plc released a statement clarifying the company’s position, including that of its CEO and Directors. The Bank claimed that it actually reported the case first to the Police Special Fraud Unit before a suit was filed against Access Bank.

In the statement, the management said in 2015, the bank made financial provision for a customer — Metal Steel Products Limited — to import billets and other machinery used for the expansion of the customers’ factory. But following the arrival of the imported goods, the company, (i.e, the customer), went ahead to clear imports without first making some necessary payments.

This prompted Access Bank Plc to report the development to the Police Special Fraud Unit, which obtained a court order for Access Bank to take over Metal Steel Products Limited’s business operations.

Adding that the lawsuit was instituted due to the misunderstanding between the Registrar that took charge of the property and Metal Steel Products Limited.

where has he been all these while.Besides don etiebet should be in jailed by now,the malabu oil scam is still ongoing.see ooo,kettle calling pot black.make them go sit for one corner.

Deadlytruth:


But if you factor in the number of years of waiting it took you to get these values you'll realize that compound interest investments in other money instruments would give you same value if not even more. So what exactly is the better advantage in stocks as regards this your own idea of value?

Absolutely! you got it. it would even be more for those numbers of yrs, that is the power of compound interest.

I was not expecting the accounts to be audited, Sir.

DOLLARTEX:
q1 is always unaudited!

Deadlytruth:


But if you factor in the number of years of waiting it took you to get these values you'll realize that compound interest investments in other money instruments would give you same value if not even more. So what exactly is the better advantage in stocks as regards this your own idea of value?

An Airbus 380 is on its way across the Atlantic. It flies consistently at 800 km/h in 30,000 feet, when suddenly a Eurofighter with Tempo Mach 2 appears.
The pilot of the fighter jet slows down, flies alongside the Airbus and greets the pilot of the passenger plane by radio: "Airbus flight, boring flight isn’t it? Take care and have a look here!”

He rolls his jet on its back, accelerates, breaks through the sound barrier, rises rapidly to a dizzying height, only to swoop down almost to sea level in a breathtaking dive. He loops back next to the Airbus and asks, "Well, how was that?"

The Airbus pilot answers: "Very impressive, but now have a look here!"

The jet pilot watches the Airbus, but nothing happens. It continues to fly stubbornly straight, with the same speed. After five minutes, the Airbus pilot radioed, "Well, what are you saying now?"

The jet pilot asks confused: "What did you do?" The other laughs and says, "I got up, stretched my legs, went to the back of the flight to the bathroom, got a cup of coffee and a cinnamon cake and made an appointment with the stewardess for the next three nights - in a 5 Star hotel, which is paid for by my employer. "

The moral of the story is:
When you are young, speed and adrenaline seems to be great. But as you get older and wiser, comfort and peace are not to be despised either.
This is called S.O.S.: Slower, Older, Smarter.

Dedicated to all my friends who like me likes the S.O.S. approach! ✈️

.....

rebekah2011:
I was not expecting the accounts to be audited, Sir.

OK chief!please do you have any other reservations on the body itself?

FOR CHAMS INVESTORS IN THE HOUSE.



https://punchng.com/fg-got-my-firm-into-n11bn-national-identity-card-projects-debt/



Founder, Chams Plc, Demola Aladekomo, speaks to JOY MARCUS about the struggles he has faced in business and other issues

What has been your experience since graduating from the university?

It has been very interesting and exciting. It has also been challenging, innovative and pioneering but most importantly, it has been with a lot of blessings. There were lots of challenges along the line, and opportunities too. When we came into the industry, there was a need for computers to be maintained and there was no company maintaining computers in those days. Fortunately, I was part of the first set of computer engineers to start doing that. I graduated from the Obafemi Awolowo University in 1982; so, I had the skills, and the market needed the skills but nobody was offering it. As soon as I finished from the university, I started practising and after my compulsory one year national youth service, I went for MBA. After my MBA, I saw that the need was still there; so, immediately, I started a company called Computer Hardware Maintenance Services to tackle that need in the market. From there, computers started becoming more popular, so there was a need to put them together to rival what the mainframe computers were doing. So, we acquired the skills because there was a need and pioneered networking computers. The younger generation may not know what networking is because everyone is connected through a phone. But in those days, you needed a computer and a cable to connect to another computer. So, because it was a virgin environment, we had many opportunities to pioneer a lot of technologies. Aside from pioneering maintenance and networking, we also pioneered identity management, so all these identification cards, PVC, ATM, SMART card and other payment cards all came from Chams. We pioneered the technology in Nigeria. The first company that started the smart card was called Smart Card Nigeria Limited at that time, it came out of Chams. They later became value card but today, they are called Unified Payment System.


Today, we still lead in a lot of areas. We have subsidiaries like Card Centre which is the second largest card producing company in Nigeria. We also have Chams Switch and Chams Mobile. Just like we pioneered a lot of technologies and businesses, we also had challenges. My people have a saying that when you do what nobody has done before, you would also see the challenges that nobody has seen before. So, we have had our challenges as the pioneer, but it has been exciting. We have had good days and bad days; but in all, we have been blessed.


How did the name Chams come about?

Over the years, when the company started making good footprints, it became difficult to call a company Computer Hardware and Maintenance Services. It was an enterprise that was registered as a limited liability company but you can’t have a limited liability company and call it Computer Hardware and Maintenance Services Limited. So, we decided to take only the acronyms which gave us CHAMS Limited. It was CHAMS Nigeria Limited in those days but today, it is Chams Plc listed on the Nigerian Stock Exchange.


How do you feel that Chams is listed on the Nigerian Stock Exchange?

We were not the first indigenous IT firm on the stock exchange. Before us, there were companies that were specialised in mainframe computers but we were the first to specialise in microcomputers. We did not create the company because it is only God that creates something. I find it very interesting when people say they created something or they are founders. It is only God that can create or be the founder of something. However, God can use one to facilitate. God used me as a facilitator for Chams. I was always excited even in the turbulent days, and Chams has been through turbulent periods in our lifetime. Even in those days, I felt fulfilled and blessed. When I was facing a major challenge like the last one, when we had a crisis of billions of naira and the government was ready to shut us down, I felt blessed because it is not everyone who has multi-billionaire problems. That I even have that problem is a blessing. I have been blessed just by being part of the company from day one. You can imagine how blessed I feel if I feel blessed when I have problems.


You spoke about turbulent times. Can you shed more light on that?

The last problem we had was with the national identity card project. I told you that Chams pioneered the identity management solution in Nigeria. It took us a couple of years to come up with a technology that could manufacture ID cards and print them on PVC because we used to print ID cards on paper, then laminate. After we designed it, the government invited us, knowing that we pioneered the technology and the first time the project succeeded was in 1999. The National ID Card programme started in 1996 but didn’t succeed until Chams got involved in 1998, and by April 1999, we printed the first one million ID cards without collecting a dime from the government. It was after we finished it that the Obasanjo government came in 1999. They probed it and discovered that we didn’t collect any money but we delivered. We got commended by the Christopher Kolade Panel, the Senate and other institutions. They wondered the kind of company that could do a job without collecting money, especially because the National ID card project had been a means for people to siphon the country’s money. After we were commended, they paid us without adding the rest of the money. They said they would have to go to the tender’s board. They went there and we won but they gave it to a different company which came fifth. Unfortunately, it was a national saga that was all over the Internet. They took our money and didn’t produce anything. Then in 2006, the government called us back to come for a tender which we did, but we told them that we wanted the project to be privately funded, and they accepted all our terms and conditions. We joined them, did the tender and won. After winning, it took them a while because it was a huge project. It was the last project Obasanjo signed on before he handed over in 2007. And he made us a promise that in 2009, the project would be ready. Based on that promise, we went to the Nigerian Stock Exchange to raise about N11bn to do the National ID card project. By that time, there was a new government and there was a new commission, which was one of the things we asked for. Because we already had their word, we promised the government that by 2009, most Nigerians would have their National ID cards. We raised the money and started the implementation, but the government didn’t give us the necessary approval needed to implement that project. The private sector person that was supposed to head the National Identity Commission became more Catholic than the pope. He denied us approval before eventually giving it to us 2010. And in that period, he stopped us from going to the field. In 2012, he allowed us to go to the field but he asked us to tell him what we wanted to do and by that night, he went to meet all our technical partners and staff to buy them over. The government of Nigeria stole our technical partners, our design, intellectual property and staff. After stealing from me, they started implementing it themselves and they forgot that I went to the Nigerian Stock Exchange to raise the funds. The irony of it was that I was invited by Goodluck Jonathan’s government to come and see the launch of my technical partners and the Federal Government launching my intellectual property. However, it was not the government but the DG, National Identity Management Commission, that did it and this got the Chams Group into massive turbulence because we borrowed the money. By 2012, we practically became bankrupt and it was only by the grace of God that we were able to survive.


How did you cope during those tough times?

Something we have always done at Chams is to separate ownership from management, and family from business. I don’t mix family and business; so, it was easy to tackle the problem. As of today, you will not find any Aladekomo in Chams. Not because I don’t want them to work here but if they do, they will either be treated specially, or they might even be victimised because they are related to the founder of the company. When they work very well, there might be jealousy, and if they don’t work well, there will be problems. We were able to survive though but the family knew what I was going through but they didn’t know the extent, except for what they read in the papers. So, it gave them some level of peace and sanity. However, it affected the company massively and I had to interact with the staff, suppliers and customers. We missed a lot of salaries for months and that was painful. The government of Nigeria made us to go bankrupt. I don’t know the reason we survived because as it were, we are supposed to have been dead. I even did everything possible to kill some of our subsidiaries. In fact, I was so surprised to learn that I didn’t succeed because the managing directors of some of those companies said they were doing well. I will just say it was the faith in God that sustained us through that tough period. We are still not where we were in 2010 but we are back on our feet. I just saw their result which was published recently on the Nigerian Stock Exchange and for the first time in years, they are declaring dividends. Though I have retired from the company, I am really impressed. I am currently working on a project called Smart City.



What informed your interest in Smart City?

It was just a natural progression because I have been in technology all my life. We can use technology to make a lot of difference in society and we have achieved some of that, such as identity management and even BVN. Those projects have solved a lot of problems. Smart City is just a continuation of trying to solve problems. I believe a man’s life is wasted if he does not serve his fellow human beings. However, before the turbulent period at Chams, we bought 10 acres of land to create a work, live and play campus. It was supposed to be a place where all our staff would live and work. We had it designed until the government made us go bankrupt and we couldn’t implement the project. When I was about leaving the company, I told my people that we could build campuses and small cities like the Chams Campus that would be smart. I then remembered I registered a company called Smart City in 2002, under the same concept. Though Smart City was not popular then, I registered it because I had the intention to retire from Chams in 2005, though I could not leave at that time for obvious reasons.



Do you still have the intention of building a campus for the company?

We have grown way bigger than that. We are now building a campus for a larger number of people. Chams had about 600 to 700 staff then, but we are now building for 2,000 families which will be almost 11,000 to 12,000 people at the pilot level. By the grace of God, when we succeed with the first one, we will try a second one and perfect the mistakes of the first. By then, we can now start building real mega smart cities. We believe that by God’s grace, we will succeed before the end of the year to have the pilot smart city.



When is the target completion date?

By 2020, people should have started living in the pilot smart city. We don’t want to disclose the location for now because it involves a lot of activities and we need to be focused. There are too many intricacies and we need to concentrate because once we start unveiling the process, people will start coming in to check what we are doing and it will distract us. Also, the government may start becoming nosy again. We want to get it to a particular stage, then we can now unveil, but right now, we need to focus.



Do you think Nigeria is ready for a project as huge as that?

We are ready. After I retired from Chams, I went into real estate that would serve a particular purpose to the community, which is building homes instead of houses. Smart City is all about using technology to manage the homes. We believe that before the end of the year, we will start having a model city. It is not impossible to be done but it is tough. And once we are done with model city, we believe other cities will start coming in.



How profitable has it been developing financial technology that offers apps for financial transactions?

If you are serious, you will make money from any business in Nigeria. Whether you are building apps or not, there is a market for everyone. However, because the world is becoming a global village, apps will always make money but you also need to know your market.



What future do you see in Fintech?

It is going to rule the country. Not just Fintech but technology in general. Fintech is just popular. When we talk about Smart City, we are also talking of property technology. There are various kinds of technologies. It is generally the way to go but you must have a lot of patience if you want to make good money out of it. You must be ready to sweat for years.



How do you think the government can help indigenous firms from going under?

Government has no business in business. They should not get involved because they are over rated. They create more problems than good. They are supposed to create a level playing field. They should create security and leave us to run our lives. They should leave the roads and power to the private sector to do it; then, they can tax them.



What were you childhood ambitions?

I didn’t have any. I grew up very poor. I just wanted to live daily which was enough for me. I was very poor though not as a church rat. It was just faith in God, hard work and reading that got me to this point. I am an old man now but I still try to work as hard as I can. That is the only way to make money.



What is your definition of fashion?

I like to dress corporately and decently

How do you rest?

There is no rest for the sinner, so says the Holy Book (laughs). However, I do rest a lot. I watch a lot of movies. I never watched Nigerian movies before but they have developed to a large extent. I watch Netflix, and I visit the cinemas with my wife at least twice a month.



How did you meet your wife?

We met at a party in Osogbo and a friend introduced us.

What attracted you to her?

It was love at first sight. She was very homely and pretty; also, gentle. She was not a society lady and she’s soft spoken till now. I am still wooing her after 39 years.

You want them to interprete result, they'll interprete again, kasala will burst.

Not a fan of the cowboys managing that business.

DOLLARTEX:
OK chief!please do you have any other reservations on the body itself?

rebekah2011:
Not a fan of the cowboys managing that business.

lol.

Coolcash1:


May be you should them an email....

I have email the united security regitrar for 1 week now, no response...sent a reminder...still no response

kolaish:
Looks fantastic. EPS: Group 137k against 75k, Bank 104k against 57k. Waiting for OGG and others to digest the intestines of the result to know if the bile has not ruptured with the liver

I said it before my best investment in two years has been diamond bank. It moved into Access and now just negodu result. I go joli this one...

Diamond provided impairment on loans of N155b

DOLLARTEX:
lol.

rebekah2011:
Diamond provided impairment on loans of N155b

155Biln? no be small thing ooo

pluto09:



I no understand this result o, sey this one na magic?

Manipulations......hope it will be audited before release

kolaish:
Looks fantastic. EPS: Group 137k against 75k, Bank 104k against 57k. Waiting for OGG and others to digest the intestines of the result to know if the bile has not ruptured with the liver

I think the EPS js lower than what is reported though still better compare to previous year Q1

ukay2:



Manipulations......hope it will be audited before release

they need beautiful results to raise money na.