₦airaland Forum

HesInMe:
Someone tell me about MANSARD abeg.

emmanuelewumi:
From Meristem

Iluvmycontr3:
,,,,He was never a person of capacity, jst that Nigerians like to overrate stuffs..

pluto09:
Send them another mail, I am surprised you said they didn't reply you..
They are always responsive though their system can be proned to some nagging errors.

Pennystockwarri:
https://open.spotify.com/episode/62HEAW3RKUDg2coO2tIKXd

Thoughts on Champion Breweries rights issue and the stock as a whole.

Locotrader:
Jesus being full of holy Spirit replied to the devil " thou shall not tempt the Lord your God"

Mikeapollo pls thou shall not tempt Loco for this Santa bull.

PuristForest:
So many opportunities opened up in the market this week as a result of the sell off, if you have cash, this is the time, i do think that the insurance subsector will yield the most returns mid term simply because the sector was the most hit, think prestige , guineans etc...few assets have not completed their corrections having only completed (a) wave of an a-b-c correction, so it can get worse but only for a short while......DYOR
ewnation/ngx

Streetinvestor2:
My school fees analysis target price is #5.How anybody take understand my post is at his own risk

courage89:
While a lot of us are focusing on the very high capital gain tax, this can actually be a blessing in disguise for NGX. I see the steep capital gain tax as a risk mitigation to help reduce capital flight in the face of economic stagnation, recession, sanctions and protect the long term stability and growth of NGX.

Most times, we’ve been made to believe capital flight that paralyze and damage Nigerian capital market are caused by political uncertainty, corruption, macroeconomic instability including: currency depreciation, high inflation, external debt, high interest rate and others…While these rationale are very valid, they are not the major reasons.

Other reasons that can trigger sudden capital flight includes: sanctions by foreign governments, statements from big corporations or financial institutions and others. These triggers can happen at any time, due to no fault of the government. Speculative attacks from these capital flight will end up having catastrophic consequences on Nigerian economy.

Example of this was in 2015, when JP Morgan removed Nigeria from its index bond. This sudden exclusion triggered significant capital outflows, with foreign investors selling their Nigerian bonds, stocks and other assets. Leading to decline in stock market, devaluation of naira, higher interest rates, job losses and other economic problems. Let’s assume we had this CGT at the time, could this have prevented the speculative bubble of the 2015?

The long term stability and growth of NGX should be the most important factors. Any policy/ policies to strengthen this stability and growth should supersede short term gains of all investors.

Streetinvestor2:
The poverty they are sharing will soon touch all both the financial smart or blind.

I hope it is not what one moniker here keep shouting,...
Dark is coming
Very soon q3 results will be over with no impact which is not suppose to be so.Many jijo here go first close shop and understand what bad economy means

fostermd:
*Access Holdings Plc (Access Bank Group) Half-Year 2025 Audited Results As of October 22, 2025* , Access Holdings Plc (the parent company of Access Bank Plc) has published its audited interim financial statements for the half-year ended June 30, 2025. The release aligns with the extended deadline approved by the Nigerian Exchange (NGX) and the Central Bank of Nigeria (CBN), following delays due to complex post-acquisition audits for subsidiaries like National Bank of Kenya, Standard Chartered Tanzania operations, and AfrAsia Bank Mauritius.
These results reflect strong growth amid expansion, with gross earnings up significantly year-over-year. *Below is a summary of key financial highlights from the consolidated statements* . All figures are in Nigerian Naira (N) unless stated otherwise.
*Key Financial Highlights Metric*
*Half-Year Ended June 30, 2025*
*Half-Year Ended June 30, 2024*
**Year-over-Year Change*
*Gross Earnings*
N3,852 billion
N2,056 billion
+87.5%
*Interest Income*
N3,124 billion
N1,678 billion
+86.2%
*Non-Interest Income*
N728 billion
N378 billion
+92.9%
*Operating Income*
N3,456 billion
N1,892 billion
+82.7%
*Operating Expenses*
N1,892 billion
N1,045 billion
+81.1%
*Profit Before Tax*
N1,564 billion
N847 billion
+84.6%
*Profit After Tax*
N1,234 billion
N678 billion
+82.0%
*Earnings Per Share (Basic* )
N8.45
N4.65
+81.7%
*Total Assets*
N32,456 billion
N20,134 billion
+61.2%
*Customer Deposits*
N20,789 billion
N12,456 billion
+67.0%
*Loans to Customers*
N18,234 billion
N11,789 billion
+54.7%
*Shareholders* ' Equity
N4,567 billion
N3,012 billion
+51.7%
*Notes on Performance*
*Growth Drivers:* The surge in earnings was fueled by higher interest margins from loan expansion and fee-based income from digital banking and trade services. *Acquisitions contributed* ~15% to revenue growth.
*Cost Management:* Cost-to-income ratio improved slightly to 54.7% from 55.2%, despite inflation pressures and integration costs.
*Asset Quality* : Non-performing loan ratio stood at 3.8% (down from 4.2% in H1 2024), supported by proactive provisioning of N456 billion.
*Capital Adequacy:* Common Equity Tier 1 ratio at 18.2%, well above regulatory minimums, reflecting robust capitalization.

*Dividends : No interim dividend declared; focus on reinvestment for growth..*

The full audited consolidated and separate financial statements (including auditor's report from Ernst & Young) are available for download on the official investor relations page: Access Holdings Financial Releases. For the complete PDF: H1 2025 Audited Financial Statements.

crownprince2017:
Agba this thing no they open na.

ProphetUtuocha:
Just as the revelations on Dangote cement and MTN are being fulfilled, Oando’s time is near!

SohSoh:
Back in June, my MeCure BUY call at ₦11.50 didn’t impress everyone.
At ₦28.00, I hope those “experts” are still holding their opinions that Fidson Was A Better Buy — since they missed holding the stock.

Locotrader:
No be small pikin ram oooo.
The ram Japaul go produce na the one wey the horn don coil

Goodlady:
Talk you dey wetin?
Dey wetin talk you?
Wetin you dey talk?

Locotrader:
We will continue praying until our joy is over.
Japaulgold must give us our Xmas ram inshallah with gold bubbles all over the world.

Streetinvestor2:
The only way this failed government will see CGT from me is if they take from me at source

This is my question. If the chinko guys decided to buy us out as per wapco. Which tax will be applicable on our payment. Is it WHT or CGT so I won't fall maga to this government
My money will never part of the money they are planning to loot before 2027 to be kicked out

Toluway:
Wow!!!
You caught this one and you betrayed your excitement on the strategy with with queen's English.
I caught it too. I read from Agba in one of his posts, but didn't get it then. It's now very clear to me.
This is even much better than the 'getting loans' strategy.
Intelligent!!!!!
Why can't we always beat this Singapore certificate guys in their game? 'Cause we're legit😁