MONEY MARKET

GTBank, Zenith Bank, ETI profit drops by N10bn in Q1

Uncertainties in the nation’s economy have continued to weaken listed banks’ profit; with three of the 22 banks in the country losing N10 billion in their unaudited first quarter s and accounts for the period ended March 30, 2016.

Slow gross earnings, naira volatility and other economic challenges have made Ecobank International Incorporated (ETI), Zenith Bank Plc and Guaranty Trust Bank Plc (GTBank), to post a combined N68.39 billion in Q1 2016 as against N78.7 billion recorded in Q1 2015.

This represents a N10 billion or 13.1 per cent decline recorded by the banks.  ETI suffered the highest decline in profit, when it dropped by nearly 34 per cent from N24.5 billion in Q1 2015 to N16.2billion in Q1’2016, followed by Zenith bank that recorded four per cent decline in profit from N27.68 billion to N26.57 billion in the first quarter under review.

Group Chief Executive Officer, ETI, Mr. Ade Ayeyemi said: “Our result for the first quarter was a reasonable performance in light of the very difficult and tough operating market conditions.” Loans and advances to customers “despite the challenges our clients continue to face, our diversified business model, which is a source of competitive strength and stability, allows us to continue to serve them in and across regions in Middle Africa. With our revised strategy and a simplified operating model we aim to be more efficient in running our businesses and serving our customers. ”

“Cost discipline remains a priority, especially in this revenue challenged environment. Despite a slight deterioration in our cost-income ratio to 66.1per cent, we remain focused on reducing cost, while simultaneously investing in people, processes and systems, for the future. ”

He added that, “We remain vigilant as we continue to navigate the company through this challenging period. We are confident in our strategic plan aimed at ensuring we generate sustainable long-term performance.”

Furthermore, GTBank profit for the period moved to N25.6 billion, 3.8 per cent below N26.56 billion posted in Q1 2015.

Commenting on the Q1 2016 financial results, the Managing Director and Chief Executive Officer of GTBank , Mr. Segun Agbaje,  stated that “Despite a slow start in economic activity in 2016 and the extremely challenging business environment, the Bank recorded decent performance across key financial indices during the period.”. He added that “We understand that there’s a lot more work to be done, we are however prepared for the challenges and opportunities that lie ahead the 2016 financial year”.

The fall in profit can attributed to high impairment charges on bad loans, foreign exchange volatility and other challenges facing the economy following the significant drop in the nation’s oil revenue due to the sharp fall in oil prices.

Out of the 15 banks quoted on the Nigerian Stock Exchange, five have released unaudited financial statements for the period under review.

Union Bank of Nigeria Plc and United Bank for Africa Plc (UBA) announced impressive growth in profit as both banks were prudent in managing interest expenses.

UBN profit for Q1 2016 rose by 96.3 per cent to N4.7 billion from N2.4 billion while UBA profit also inched up by 0.2 per cent from N16.96 billion to N19.99 billion recorded in 2016.

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  • Hello this is somewhat of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding experience so I wanted to get advice from someone with experience. Any help would be enormously appreciated!

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  • Today, I went to the beach with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is totally off topic but I had to tell someone!

  • Today, I went to the beachfront with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is totally off topic but I had to tell someone!

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  • Howdy! I know this is kinda off topic however , I’d figured I’d ask. Would you be interested in exchanging links or maybe guest writing a blog post or vice-versa? My site goes over a lot of the same subjects as yours and I feel we could greatly benefit from each other. If you are interested feel free to send me an email. I look forward to hearing from you! Great blog by the way!

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  • Have you ever thought about publishing an e-book or guest authoring on other sites? I have a blog based on the same ideas you discuss and would really like to have you share some stories/information. I know my subscribers would appreciate your work. If you are even remotely interested, feel free to shoot me an e-mail.

  • Hiya! Quick question that’s entirely off topic. Do you know how to make your site mobile friendly? My web site looks weird when viewing from my iphone4. I’m trying to find a template or plugin that might be able to resolve this problem. If you have any suggestions, please share. Thanks!

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  • First off I want to say superb blog! I had a quick question that I’d like to ask if you don’t mind. I was interested to find out how you center yourself and clear your mind prior to writing. I have had a hard time clearing my thoughts in getting my thoughts out. I do enjoy writing but it just seems like the first 10 to 15 minutes tend to be wasted just trying to figure out how to begin. Any recommendations or tips? Appreciate it!

  • I was wondering if you ever considered changing the structure of your site? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having 1 or 2 images. Maybe you could space it out better?

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  • With havin so much content and articles do you ever run into any issues of plagorism or copyright infringement? My blog has a lot of completely unique content I’ve either written myself or outsourced but it seems a lot of it is popping it up all over the web without my agreement. Do you know any solutions to help prevent content from being stolen? I’d really appreciate it.

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  • I was curious if you ever considered changing the layout of your site? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having 1 or 2 pictures. Maybe you could space it out better?

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  • This design is steller! You certainly know how to keep a reader entertained. Between your wit and your videos, I was almost moved to start my own blog (well, almost…HaHa!) Wonderful job. I really enjoyed what you had to say, and more than that, how you presented it. Too cool!

  • Hello! I’m at work surfing around your blog from my new iphone 4! Just wanted to say I love reading through your blog and look forward to all your posts! Keep up the fantastic work!

  • My coder is trying to persuade me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using WordPress on several websites for about a year and am concerned about switching to another platform. I have heard good things about blogengine.net. Is there a way I can transfer all my wordpress content into it? Any kind of help would be greatly appreciated!

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  • Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.

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  • Yesterday, while I was at work, my cousin stole my iPad and tested to see if it can survive a 40 foot drop, just so she can be a youtube sensation. My iPad is now destroyed and she has 83 views. I know this is completely off topic but I had to share it with someone!

  • Today, I went to the beach front with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is completely off topic but I had to tell someone!

  • Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.

  • Hello! I know this is kinda off topic but I was wondering if you knew where I could find a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having problems finding one? Thanks a lot!

  • Hi! I know this is kinda off topic however I’d figured I’d ask. Would you be interested in exchanging links or maybe guest authoring a blog article or vice-versa? My site covers a lot of the same topics as yours and I think we could greatly benefit from each other. If you might be interested feel free to shoot me an email. I look forward to hearing from you! Fantastic blog by the way!

  • Have you ever thought about including a little bit more than just your articles? I mean, what you say is fundamental and everything. But just imagine if you added some great graphics or videos to give your posts more, “pop”! Your content is excellent but with images and videos, this website could undeniably be one of the greatest in its field. Great blog!

  • Hi! This is my first visit to your blog! We are a collection of volunteers and starting a new initiative in a community in the same niche. Your blog provided us beneficial information to work on. You have done a extraordinary job!

  • Hi there exceptional website! Does running a blog similar to this take a massive amount work? I’ve no expertise in computer programming but I had been hoping to start my own blog in the near future. Anyhow, should you have any ideas or tips for new blog owners please share. I understand this is off subject but I just wanted to ask. Kudos!

  • Hey there superb blog! Does running a blog like this require a lot of work? I have no understanding of computer programming however I was hoping to start my own blog soon. Anyways, should you have any recommendations or tips for new blog owners please share. I understand this is off subject but I simply needed to ask. Kudos!

  • I’m curious to find out what blog system you happen to be using? I’m experiencing some minor security problems with my latest website and I would like to find something more safe. Do you have any suggestions?

  • Greetings! Quick question that’s totally off topic. Do you know how to make your site mobile friendly? My site looks weird when browsing from my iphone4. I’m trying to find a template or plugin that might be able to fix this problem. If you have any recommendations, please share. Appreciate it!

  • Hi would you mind sharing which blog platform you’re working with? I’m going to start my own blog in the near future but I’m having a hard time selecting between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your design seems different then most blogs and I’m looking for something completely unique. P.S Apologies for being off-topic but I had to ask!

  • Thanks on your marvelous posting! I quite enjoyed reading it, you could be a great author.I will make certain to bookmark your blog and will often come back someday. I want to encourage that you continue your great posts, have a nice day!

  • Do you mind if I quote a few of your posts as long as I provide credit and sources back to your site? My blog is in the very same niche as yours and my visitors would genuinely benefit from some of the information you provide here. Please let me know if this ok with you. Thanks a lot!

  • Hmm is anyone else encountering problems with the pictures on this blog loading? I’m trying to find out if its a problem on my end or if it’s the blog. Any feed-back would be greatly appreciated.

  • I do not know if it’s just me or if perhaps everybody else encountering problems with your blog. It seems like some of the written text within your posts are running off the screen. Can somebody else please comment and let me know if this is happening to them too? This could be a issue with my browser because I’ve had this happen previously. Appreciate it

  • I’m not sure why but this weblog is loading very slow for me. Is anyone else having this issue or is it a problem on my end? I’ll check back later and see if the problem still exists.

  • Hello! I know this is somewhat off topic but I was wondering which blog platform are you using for this website? I’m getting tired of WordPress because I’ve had problems with hackers and I’m looking at options for another platform. I would be awesome if you could point me in the direction of a good platform.

  • With havin so much content do you ever run into any issues of plagorism or copyright infringement? My blog has a lot of unique content I’ve either authored myself or outsourced but it appears a lot of it is popping it up all over the internet without my agreement. Do you know any techniques to help prevent content from being ripped off? I’d really appreciate it.

  • I was curious if you ever considered changing the structure of your site? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having 1 or two images. Maybe you could space it out better?

  • Have you ever considered publishing an ebook or guest authoring on other websites? I have a blog centered on the same information you discuss and would really like to have you share some stories/information. I know my readers would appreciate your work. If you’re even remotely interested, feel free to send me an email.

  • Heya! I know this is sort of off-topic however I had to ask. Does operating a well-established blog like yours require a massive amount work? I’m brand new to blogging but I do write in my diary every day. I’d like to start a blog so I can easily share my experience and thoughts online. Please let me know if you have any recommendations or tips for brand new aspiring blog owners. Appreciate it!

  • Hey! I could have sworn I’ve been to this site before but after browsing through some of the post I realized it’s new to me. Anyhow, I’m definitely delighted I found it and I’ll be book-marking and checking back often!

  • Hi, i read your blog from time to time and i own a similar one and i was just curious if you get a lot of spam responses? If so how do you stop it, any plugin or anything you can suggest? I get so much lately it’s driving me mad so any support is very much appreciated.

  • I do not know whether it’s just me or if perhaps everyone else encountering problems with your site. It seems like some of the written text on your content are running off the screen. Can someone else please comment and let me know if this is happening to them too? This may be a problem with my web browser because I’ve had this happen previously. Thanks

  • Everyone loves what you guys tend to be up too. This kind of clever work and exposure! Keep up the very good works guys I’ve added you guys to my personal blogroll.

  • Have you ever considered publishing an e-book or guest authoring on other sites? I have a blog centered on the same information you discuss and would really like to have you share some stories/information. I know my audience would enjoy your work. If you are even remotely interested, feel free to shoot me an email.

  • Hey, I think your blog might be having browser compatibility issues. When I look at your blog in Firefox, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, awesome blog!