₦airaland Forum

Masama:
Naijaguy12345, you said it was propaganda and lagbaja01 said it can't be true. Now that DSS has confirmed it, what do you guys have to say for yourselves?

The problem with Nigerians is that we have a lot of chronic hypocrites who will base their judgement on emotions instead of rational thinking. When Patient Jonathan stated that all the money found in her accounts were gifts and goodwill, Zombies were quick to castigate her and call for her head.

It is a known fact that contractors and politicians do give gifts at times running into millions to first ladies especially during occasions like wedding of their children. If this story is true, I will not be surprised that the first lady has such money. What I hate is hypocrisy. Why are
the Zombies that castigated Patience Jonathan now keeping silence?

I have said it several times. Saraki is the most intelligent political strategist we have in Nigeria today.
Saraki will surely oversee the departure of APC from the arena.

Built2last:
Okpari

The voters in those 7wards will be mega rich.

Heaven don pick their call.

It pays to have PVC in those wards now

I will not be surprised if some desperate politicians en-marked N1million for each voters in these units

nnachukz:
Why involve all the 48 parties. Why not just the two contenders who need it?
Someone wants to bring in Omisore to play a spoiler for the opposition candidate.

The number of eligible voters in the re-run election is less than 4000. It is expected that there may be massive vote buying, intimidation and horse trading. What ever happen at the end of the day, the integrity of INEC and the readiness of APC to conduct a free and fear election has been put on the front burner.

This is a good development for our electoral process if INEC can improve and always ensure the people votes counts. If other regions can be politically sagacious as the south west people, under performing politicians would be gradually eased out inrespective of party or tribes.
PMB may loose 2019 election if it is free and fair.

yazach:
Chai just now

The fear of Russia is the beginning of wisdom for Israel and America

See as Dem quickly push it to Seria

You either being naive or uninformed. Israel never shy away from war no matter who their opponents are. Read your history very well. Most attacks carried out by Isreal were premptive even at the slightest suspicion. They don't care about any nation. Russia will be cautious of trouble with Isreal.

This topic should be on the front page

ItsMeAboki:
What is wrong with the present appointment; do you honestly believe that ethno-regional balance considerations should override those of expediency and exigency on a serious matter such as national security - if so why then have ppl like you not also lent their voices to the ongoing ethnic/regional imbalance in the current economic team which is composed of 100% southerners?
Note, the same Buhari who is being unfairly labelled as an ethnic bigot is the same person who appointed them.

The Economic Management Team (EMT) is Chaired by Vice President Yemi Osinbajo, and has the following members:

Minister of Finance
Minister of Budget and National Planning
Minister of State for Budget and National Planning
Minister of Industry, Trade and Investment
Minister of Agriculture
Minister of Information and Culture
Governor of the Central Bank of Nigeria
Special Adviser to the President on Economic Matters
Director-General of the Budget Office
Director-General of the Debt Management Office
Director-General of the National Bureau of Statistics
The team meets weekly at the State House.

Though you have a point that the economic team is lopsided your assertion of 100% Southerners is not correct. Nevertheless, PMB is politically naive and the politicians are taking advantage of that. His aides and advisers failed to cautioned him that federal character and merit should be respected in all his appointment.

chriskosherbal:
History...

I found it ridiculous when people like you try to justify wrong thing with the fact that somebody had done the same in the past and people did not complain. You should be ashame of yourself

tragergeorge:
this quote you are quoting this guy,what is the essence reallywhat's your point exactly, I believe we all how fayose governed the state,,if you believe deep down in your heart he governed well and made the state proud then this your quote is sensible and I wish Ogun state more years of that kinda ruling ,,,but if you know he did not govern the state properly or you don't know anything about what's happening the state the this your quote just made you the most stupid creature living on planet earth,,goat they learn from your stupidity

I don't have time for people of low reasonings like you. The issue here is not about governance as almost all the governors are quilty of bad governance. When it comes to non payment of workers salaries, Osun state and Kogi state performed worst. What I am saying is that Efcc may not have a different case with Fayose different from the type they have will have with Bello of Kogi State and Aregbesola of Osun State. Most people are so daft that they are judging Fayose's base on his vicious opposition to PMB. They thought he will run away after handover.

Babzrockman:
It's very pathetic to see that ur political affiliation betrayed Ur true common sense.

In 1990, India economy rated d most fastest one and they were at d time d most poorest.

China is the largest and most effective economy right now and the poverty rate is still on d high side.

Yea per capital income determines d well being of d people. But turn of good economy enhances per capital income

That is why most of you are always getting it wrong. You think everything is all about politics. You fail to improve yourself. Do a little bit of research and read carefully the Forbes report on Nigeria. The article highlights the fact that Nigeria is the biggest economy in Africa in terms of GDP. The fact is that with the rebasing carried out, Nigeria has been the the largest economy in Africa since 2013. With population of over 180mill and large deposits of crude oil,this is expected. But in terms of the living standard, Nigeria is not even among the first ten countries in Africa. The per capita income of India and China is very high compared to Nigeria. India and China has population that is more than five times than that of Nigeria and yet the two countries has far better standard of living. Is it not frightening that Nigeria now has the highest concentration of extremely poor people in the world? It is a pity that our youths have abandoned reading culture.

Olalan:
Hmmm, is this could be a ploy to get the EFCC relaxed while he perfect his plans to jet out of the country even before the said date.
BTW it's crystal clear this govt would really want tomwitch haunt him at the loss of his immunity

October 16 is just some few weeks aways. I will quote this your post again to show how gullible you are. You will be supprised that Efcc do not have a solid case against Fayose. Infact Efcc will shy away from arresting him if they have their way.

Babzrockman:
What are u talking about? Blow us with facts! Nigeria's economy like u said is the largest but not most effective and or best in Africa.. not until this latest ranking by Forbes.

We should be thanking God... we don't have to relate every single story to politics

How daft and gullible can you people be! The best measurement of the well-being of people in any nation is per capital income. Nigerian per capital income is ridiculously low. More than 75% of Nigerians are living below 1dollar a day. Unemployment is climbing up daily...... among others economic woes. Nigeria now has the highest numbers of poor people in the world. Even PMB do not dispute that fact but some daft zombies will come to nairaland to spew thrash. Pathetic!

Introduction

The Central Bank of Nigeria (CBN) on April 21, 2017, released a new Guide to Charges by Banks and other financial institutions in Nigeria. This new guideline which replaces the Guide to Bank Charges issued in April 1, 2013 takes effect from May 1, 2017. The above action is in line with Section 2(d) of the CBN Act 2007 which stipulates the promotion of sound financial system in Nigeria.

The Guide to Charges by Banks and other Financial Institutions is the instrument that CBN uses to moderate the application of charges on various products and services offered by banks. Bank rates and charges are legally agreed fees paid by parties in any bank transaction for the services rendered. Common examples of rates and other bank charges are account maintenance fee, interest on loans, interest on deposits; SMS alerts fees and ATM withdrawal fees.

The Guide also stipulated that banks should obtain approval from CBN before applying any charge that is not captured in the new Guide. Further, banks and other financial institutions (OFIS) are expected to inform the customers of their right to negotiate if a charge is identified as ‘”Negotiable” in the Guide.

It is a known fact that some banks and financial institutions in Nigeria indulge in the unethical practice of fleecing their customers through excess charges and unauthorised deductions. The intension of this article is to create awareness and share knowledge on how to detect and eradicate such unethical practices. This article will also discuss the need for banks to focus on pragmatic ideas that promotes higher level of professional conducts in service delivery.

Examples of Excess Charges and Illegal Deductions

1) Charging interest on loans and overdrafts at a rate that is higher than the agreed rate in the offer letter.

2) Arbitrary increase in interest rate on loans and overdrafts and increase in other fees without notifying and getting customer’s consent as stipulated in the CBN/CIBN guidelines

3) Creation of charges and fees that are not recognised in the CBN Guide to Bank charges

4) Charging other fees that are not in the offer letter issued to customers for loans and overdrafts.

5) Wrong application of maintenance fees. Banks overcharge maintenance fees by inclusion of transactions that are exempted from maintenance charge (Loan liquidation, liquidation of FTD, Customer to customer transfers, bank induced transactions, returned cheques etc.)

6) Outrageous ATM/E-Banking charges

7) Charging interest on unauthorised overdrafts that are due to systemic failure on part of the bank

cool Charging interest that are above the interest margin allowed (Consideration of MRR and MPR) on loans and overdraft

9) Back dating of debit transactions which may cause overdraft charges

10) Using dual rates for overdraft charges

Other unethical practices through which banks short-changed their customers:

1) Delay in booking customers’ request for term deposits and other investments as at when due and subsequent refusal to back-date the booking of such investments to the date the customers submitted the requests

2) Deliberate delay in carrying out customers’ requests for interbank transfers

3)Failure to roll over fixed deposits and other investments as at when due

4) Changing of agreed rate on fixed deposits without informing the customer

5)Non-compliance with fees concession agreements

6) Failure to promptly treat ATM cash withdrawal refund requests.

Awareness Of Excess Chargers and Illegal Deductions By Banks

With the implementation of the TSA policy which mopped up liquidity from the banking sector, most banks in an apparent bid to cut cost of operations and, perhaps, shore up dwindling revenue and capital base introduce all sorts of unapproved charges under different names. In spite of several complaints by customer and repeated warnings by the Central Bank of Nigeria to Deposit Money Banks against illegal deductions and excess charges on customers’ accounts, there are fresh indications of an upsurge in this practice by majority of Nigerian banks.

Data from CBN (2016) indicates that between January and June 2016 a total of 1,473 complaints were received from customers. There are increasing concerns from customers on excess charges and illegal deductions by banks. Experience has shown that most bank customers will only complain when excess charges on their bank transactions are running into thousands and millions of naira.

Banks are not supposed to take charges that have not been fully disclosed in the loan offer letter issued to customers. Arguably, not all bank customers have the capacity to complain about excess charges and illegal deductions. Most customers who are being charged illegally with as little as N50-N500 every month may not notice such charges and those that noticed are likely to ignore them.

The CBN established the Consumer Protection Unit in 2010 in a bid to provide a strong voice for the bank’s customers and to stop arbitrary charges and illegal deductions. The CBN strengthened the Consumer Protection unit to Consumer Protection Department in 2012 to curb the increasing unethical cases of excess charges and illegal deductions by banks and other financial institutions. According to the Director Consumer Protection Department CBN, between 2010 and 2014 over N14.69billion refunds of excess charges were returned to banks customers. Further, in 2015 alone Nigerian banks were compelled to refund over N6.2billion excess charges deducted from bank customers. Also, between January and June 2016 the sums of N4.63billion, $80,415.46 and E19, 263.62 were refunded to bank customers respectively. This implies that between 2010 till June 2016, an estimated sum of N25.25billion excess charges have been refunded to customers of banks who complained.

Impact Of The New CBN Guide to Charges By Banks On Stakeholders.

As the regulator of the financial sector, it is commendable that the CBN has taken positive steps to ensure that Nigeria banking public is empowered to take necessary actions in line with the new guidelines. The immediate impacts of this action by the CBN on the stakeholders are:

1. Banks customers are now aware of the minimum disclosure that banks and other financial institution must make in the offer letters for credit facilities/loans.

2. Customers are better equipped to know the parameters and basis for bank charges and this will assist them in detecting and reporting cases of excess charges and illegal deductions from their accounts.

3. The reduction/cancelation of charges on some banks products will promote the CBN financial inclusion policy.

4. Banks are to leverage on the recent guidelines and commission proactively a strategic team to identify quick wins to ensure sustainability of revenue

5. There will significant deductions in the fees and commissions earned by banks based on the strict compliance to the Guide.

Furthermore, all stakeholders are aware of the need to protect their rights and seek redress where necessary.



Nevertheless the Central Bank of Nigeria encourages bank customers to follow due process of lodging complaint against banks and other financial institutions. The steps are shown below:

1. Contact Your Financial Institution First.

· Report the complaint at the bank/branch where the issue occurred

· Allow two weeks for the issue to be resolved by the bank.

2. If your bank fails to resolve your complaint within two weeks, escalate your complaint to the Consumer Protection Department of the CBN through the following channels:

· Email : cpd@cbn.gov.ng

· Letter: Director, Consumer Protection Department, CBN Abuja.

Way Forward

Banking business is based on trust, equity and best practice. That is why most customers of banks are concerned about the integrity of the charges in their accounts. Reports have shown that customers tend to avoid banks that are known for illegal deductions and excess charges even if such banks are offering excellent customer service.

The Customer Protection department (CPD) in CBN needs to be strengthened to carry out periodic review of the operations of banks and other financial Institutions, with the view of identifying illegal deductions and excess charges on customer’s accounts and compelling the banks to make prompt refunds to customers.

Source:Investment Managers and Asset Consulting Ltd

INTRODUCTION

The Central Bank of Nigeria (CBN) on April 21, 2017, released a new Guide to Charges by Banks and other financial institutions in Nigeria. This new guideline which replaces the Guide to Bank Charges issued in April 1, 2013 takes effect from May 1, 2017. The above action is in line with Section 2(d) of the CBN Act 2007 which stipulates the promotion of sound financial system in Nigeria.

The Guide to Charges by Banks and other Financial Institutions is the instrument that CBN uses to moderate the application of charges on various products and services offered by banks. Bank rates and charges are legally agreed fees paid by parties in any bank transaction for the services rendered. Common examples of rates and other bank charges are account maintenance fee, interest on loans, interest on deposits; SMS alerts fees and ATM withdrawal fees.

The Guide also stipulated that banks should obtain approval from CBN before applying any charge that is not captured in the new Guide. Further, banks and other financial institutions (OFIS) are expected to inform the customers of their right to negotiate if a charge is identified as ‘”Negotiable” in the Guide.

It is a known fact that some banks and financial institutions in Nigeria indulge in the unethical practice of fleecing their customers through excess charges and unauthorised deductions. The intension of this article is to create awareness and share knowledge on how to detect and eradicate such unethical practices. This article will also discuss the need for banks to focus on pragmatic ideas that promotes higher level of professional conducts in service delivery.

Examples of Excess Charges and Illegal Deductions

1) Charging interest on loans and overdrafts at a rate that is higher than the agreed rate in the offer letter.

2) Arbitrary increase in interest rate on loans and overdrafts and increase in other fees without notifying and getting customer’s consent as stipulated in the CBN/CIBN guidelines

3) Creation of charges and fees that are not recognised in the CBN Guide to Bank charges

4) Charging other fees that are not in the offer letter issued to customers for loans and overdrafts.

5) Wrong application of maintenance fees. Banks overcharge maintenance fees by inclusion of transactions that are exempted from maintenance charge (Loan liquidation, liquidation of FTD, Customer to customer transfers, bank induced transactions, returned cheques etc.)

6) Outrageous ATM/E-Banking charges

7) Charging interest on unauthorised overdrafts that are due to systemic failure on part of the bank

Charging interest that are above the interest margin allowed (Consideration of MRR and MPR) on loans and overdraft

9) Back dating of debit transactions which may cause overdraft charges

10) Using dual rates for overdraft charges

Other unethical practices through which banks short-changed their customers:

1) Delay in booking customers’ request for term deposits and other investments as at when due and subsequent refusal to back-date the booking of such investments to the date the customers submitted the requests

2) Deliberate delay in carrying out customers’ requests for interbank transfers

3)Failure to roll over fixed deposits and other investments as at when due

4) Changing of agreed rate on fixed deposits without informing the customer

5)Non-compliance with fees concession agreements

6) Failure to promptly treat ATM cash withdrawal refund requests.

AWARENESS OF EXCESS CHARGES AND ILLEGAL DEDUCTIONS BY BANKS

With the implementation of the TSA policy which mopped up liquidity from the banking sector, most banks in an apparent bid to cut cost of operations and, perhaps, shore up dwindling revenue and capital base introduce all sorts of unapproved charges under different names. In spite of several complaints by customer and repeated warnings by the Central Bank of Nigeria to Deposit Money Banks against illegal deductions and excess charges on customers’ accounts, there are fresh indications of an upsurge in this practice by majority of Nigerian banks.

Data from CBN (2016) indicates that between January and June 2016 a total of 1,473 complaints were received from customers. There are increasing concerns from customers on excess charges and illegal deductions by banks. Experience has shown that most bank customers will only complain when excess charges on their bank transactions are running into thousands and millions of naira.

Banks are not supposed to take charges that have not been fully disclosed in the loan offer letter issued to customers. Arguably, not all bank customers have the capacity to complain about excess charges and illegal deductions. Most customers who are being charged illegally with as little as N50-N500 every month may not notice such charges and those that noticed are likely to ignore them.

The CBN established the Consumer Protection Unit in 2010 in a bid to provide a strong voice for the bank’s customers and to stop arbitrary charges and illegal deductions. The CBN strengthened the Consumer Protection unit to Consumer Protection Department in 2012 to curb the increasing unethical cases of excess charges and illegal deductions by banks and other financial institutions. According to the Director Consumer Protection Department CBN, between 2010 and 2014 over N14.69billion refunds of excess charges were returned to banks customers. Further, in 2015 alone Nigerian banks were compelled to refund over N6.2billion excess charges deducted from bank customers. Also, between January and June 2016 the sums of N4.63billion, $80,415.46 and E19, 263.62 were refunded to bank customers respectively. This implies that between 2010 till June 2016, an estimated sum of N25.25billion excess charges have been refunded to customers of banks who complained.

IMPACT OF THE NEW CBN GUIDE TO CHARGES BY BANKS ON STAKEHOLDERS

As the regulator of the financial sector, it is commendable that the CBN has taken positive steps to ensure that Nigeria banking public is empowered to take necessary actions in line with the new guidelines. The immediate impacts of this action by the CBN on the stakeholders are:

1. Banks customers are now aware of the minimum disclosure that banks and other financial institution must make in the offer letters for credit facilities/loans.

2. Customers are better equipped to know the parameters and basis for bank charges and this will assist them in detecting and reporting cases of excess charges and illegal deductions from their accounts.

3. The reduction/cancelation of charges on some banks products will promote the CBN financial inclusion policy.

4. Banks are to leverage on the recent guidelines and commission proactively a strategic team to identify quick wins to ensure sustainability of revenue

5. There will significant deductions in the fees and commissions earned by banks based on the strict compliance to the Guide.

Furthermore, all stakeholders are aware of the need to protect their rights and seek redress where necessary.



Nevertheless the Central Bank of Nigeria encourages bank customers to follow due process of lodging complaint against banks and other financial institutions. The steps are shown below:

1. Contact Your Financial Institution First.

· Report the complaint at the bank/branch where the issue occurred

· Allow two weeks for the issue to be resolved by the bank.

2. If your bank fails to resolve your complaint within two weeks, escalate your complaint to the Consumer Protection Department of the CBN through the following channels:

· Email : cpd@cbn.gov.ng

· Letter: Director, Consumer Protection Department, CBN Abuja.

WAY FORWARD

Banking business is based on trust, equity and best practice. That is why most customers of banks are concerned about the integrity of the charges in their accounts. Reports have shown that customers tend to avoid banks that are known for illegal deductions and excess charges even if such banks are offering excellent customer service.

The Customer Protection department (CPD) in CBN needs to be strengthened to carry out periodic review of the operations of banks and other financial Institutions, with the view of identifying illegal deductions and excess charges on customer’s accounts and compelling the banks to make prompt refunds to customers.

Source:Investment Managers and Asset Consulting Ltd
[b][/b]

The police under IGP Idris is always getting it wrong. I don't think it is proper to parade the informant like this. What objective will it achieve? It will only scare genuine informants from helping the in the future. The major blame should be on the policemen who invaded Edwin Clarke house without following due process and rule of law.

That is why everyone including our leaders should observe the sacrosanct of the rule of law. The rule of law is greater than national interest because without the rule of law there will not be national interest!

China is universally known to be Shylock when it comes to loan agreements. Unfortunately most African Leaders in their desperation for loan failed to read between the lines of the loan agreements with China. Sri Lanka is presently regretting taking loan from China as they got trapped in debt and unfavorable loan repayment condition.

Will Nigeria Economic team be diligent enough to avoid the booby traps in China Loan agreements?

Oby Ezekwesili, the former minister of education has condemned the recent loan agreement between China and Nigeria.
President Muhammadu Buhari on Tuesday signed a loan agreement with China at the Forum on China-Africa (FOCAC) 2018 holding in Beijing where the Chinese government pledged to give $60 billion loan facilities to African countries, a quarter of which would be interest-free.
However, Ezekwesili in reaction condemned the loan agreement describing it as a bad deal. According to her, Nigerian leaders are being naive in making deals with China. In a post on her Twitter page, she wrote: “The Chinese know exactly what they are doing. If you read their Loan Agreements with African countries, you will see how tight they cover their exposure. Meanwhile, our own leaders go there to naively, gleefully and with a huge dose of inferiority complex, sign on to bad deals.
“Chinese attitude to Indebtedness is the hardest in the world. I know, because one had to deal with it in the course of my work at the World Bank, helping African countries to get the HIPC Debt Cancellation.
“It annoys me to no end to see our countries BINGING on Chinese Loans.”

http://dailypost.ng/2018/09/05/nigeria-china-agreement-bad-deal-oby-ezekwesili/

Dear Op, please find out carefully the definition and characteristics of plagiarism before you accuse Reno wrongly.
You are not the only person that came up with not too poor to run concept.

RevenGeMission:
And if that doesn't happen do you promise to eat shyyyt ?

What do you have to say now? They are even thinking of bringing Daura back! My brother wake up. I also voted for PMB but he failed woefully. He is not in charge of his government.

Juliusmalema:
Can Buhari engage her constructively on discussions.....hell no....

Lifeless animal.

To be frank, I am impressed with his outing with PMB's outing today.

]As much as I like PMB, we have to admit the fact that he does not have the capacity to govern Nigeria. He is highly reserved and he failed to even develop himself. It is a known fact that PMB shy away from intellectual debates. You cannot trace any article or books to him. His knowledge of economy is poor. Unfortunately, integrity though desirable is not sufficient to preside over the affair of our nation. The most annoying thing is that PMB's aides are taking advantage of his lack of capacity to sabotage him. How do you explain the speech he read at the opening of the NBA conference? Do you notice that Osibanjo had been silence on that speech? My take is that the people who wrote that speech deliberately want to portray him as a dictator to the international community.[/quote]

sarrki:
Only fools will rejoice when our president is insulted by another president

If your leader is insulted

You’re worse then

You are right. I felt insulted as a Nigerian. But we have to be sincere with ourselves and ask how do we get to this situation?
We should not allow sentiment and ethnicity to blind our sense of reasoning. The obvious truth is that PMB lacks capacity to govern a complex country like Nigeria. He shy away from debates and intellectual discussions.
Unlike other former heads of state, he failed to develop himself. You cannot trace any book or newspaper article written to him. Twenty five years after leaving government,he is not known to have successfully run any business.
His deficiencies would not have been so obvious if he had not sorrounded himself with aides who are sabotaging and undermining his administration.
The most frustrating fact is that he is fast losing the aura of integrity. How do you explain is deafening silence to obvious corruption by some members of his cabinet.

Who is the president of Nigeria in 2016?

Granted,it is difficult to get loan at lower interest rate from financial institutions in Nigeria, but I always advice my clients to be weary of any loan that is more than 30% per annum that is about 2.5% per month. From my over 18 years experience in diverse financial institutions in Nigeria, I have seen lot of people enter into vicious circle of debt because they failed to profile the risks involved in their business venture s and how to mitigate against them. The returns on investment for transport business is very erratic and unpredictable and the risk of failure is obviously higher for the OP who has no previous experience in transport business. I am very sure the OP is not even thinking of doing comprehensive insurance on the Tricycle. The political and policy inconsistencies is another risk factor that can bring the business down. The bottom line is that I don't advice my client to go for high interest loan for startup business expecially if they don't have previous experience in such business.[/quote]

This may be a seceret African science. But they will hide it with rituals instead of documenting it for others to develop it further. That is why we are backward in Africa.
If a Whiteman has been the one making rain it will be call science but if it is a Blackman it will be called witchcraft

The person that gave you such a loan is not a true friend. Infact he is wicked. From my calculations he gave you 650'000 at 5.5% flat rate per month and that is 66%per annum.
With the increasing uncertainty in the Nigeria business environment you may find yourself in the endless circle of debt. Please don't accept such loan for a start up business. That is my one Kobo advice.

That is why I want PMB to come for second term because I know he will still disgrace and humiliate Tinubu.

GenOrumov:
If the money is not above $10,000 or it's equivalent, then it's not questionable. You can carry that amount and below without the security agencies raising an eyebrow.

You can carry any amount as long as it is disclosed.

chiagozien:
See the way yoruba muslims are making noise up there like escaped salla rams,

their hatred for igbos is legendary,if they know what they can do the wipe out the hole igbo they will definitely do it.


God punish lugard for making me to share the same country with a tribe this.

The Igbos are their own enemies. The are not united and always playing the victims card.

Buhari will have my support if he personally turn up to Commission the brewery.