S&P downgrades Skye Bank rating to ‘CCC+’ from ‘B-‘
Niyi OLAOYE
Standard & Poors (S&P),a global scale ratings company, has downgraded Skye Bank Plc rating to ‘CCC+’ from ‘B-‘ and the national scale rating to ‘ngB+’ from ‘ngBB’ , placing both on the CreditWatch with negative implications.
According to the report from financial rating company, the decision was based on the likely reduction in the bank’s capital adequacy levels and increased in non-performing loans. Business247 therefore notes that these are factors which S&P opines makes the bank particularly sensitive to the worsening Nigerian economic conditions (a general environmental condition affecting all entities and sectors).
The agency also noted that in the course of the bank’s first and second quarter review and validation of the compliance X protocol of the NSE, the bank had earlier issued a profit warning, advising the market that its earnings and profitability would be significantly depressed by reason of increased provisions for some non performing loans in the upstream oil and gas, telecoms, and real estate sectors.
The report also stated that the bank equally revealed that it had taken the decision to increase its provisions given current and medium-term macro-economic realities that had negatively impacted some key sectors of focus.
Similarly, like all banks in the system, the bank had to deal with the consequence of the significant shift created by the Treasury Single Account (TSA) implementation.
Meanwhile, Skye Bank recently acquired Mainstreet Bank at the cost of N126 billion to strengthen its new focus on retail and commercial business, a transaction financed from its balance sheet and approved by the Central Bank of Nigeria (CBN).
As with Skye Bank Plc, banks such as FCMB and Stanbic IBTC equally had to call off their capital raising plans in response to the unfolding unfavourable capital market conditions. Projections thus became tied to the national economic direction, something S&P was spot on about.
Based on the recent interactions with the bank’s management and board, it is revealed that the bank is currently in discussion with two international banking groups that are looking at leveraging on its platform(s) to make an entry into the Nigerian banking sector which appears to have some credibility.
From evidence provided, each of these institutions is keen to inject significant equity capital into the bank subject to positive/favourable changes in the monetary policies of the country; which only materialized last week.
Some of the existing key shareholders, it is understood, have also indicated an appetite for the additional capital requirement needed by the bank.
However, Skye Bank is confident that the current challenges in the Nigerian economy, though it affects many businesses and endeavours, are temporary, as the levers of the economy are being re-calibrated to boost the economy in the medium to long term.
Business247 recalls that at a public stakeholder meeting in fourth quarter of 2015, the bank announced its shift in focus from wholesale and institutional banking to retail and commercial banking. It reported then that it had partnered with the firm of Mckinsey & Co to develop a three- year strategic plan with retail, SME and commercial banking as its core.
Experts are therefore of the opinion that Skye Bank and indeed the CBN should see the need to act decisively to accelerate the resolution of this matter to enable the market / investors be properly guided.
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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 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 entirely off topic but I had to tell someone!
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My programmer is trying to convince me to move to .net from PHP. I have always disliked the idea because of the expenses. But he’s tryiong none the less. I’ve been using WordPress on a variety of websites for about a year and am worried about switching to another platform. I have heard very good things about blogengine.net. Is there a way I can import all my wordpress posts into it? Any help would be really appreciated!
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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 feedback 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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I know this if off topic but I’m looking into starting my own blog and was wondering what all is required to get setup? I’m assuming having a blog like yours would cost a pretty penny? I’m not very web savvy so I’m not 100% certain. Any tips or advice would be greatly appreciated. Thanks
With havin so much content and articles do you ever run into any issues of plagorism or copyright violation? My blog has a lot of exclusive 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 authorization. Do you know any ways to help protect against content from being ripped off? I’d certainly appreciate it.
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Heya just wanted to give you a quick heads up and let you know a few of the pictures aren’t loading properly. I’m not sure why but I think its a linking issue. I’ve tried it in two different web browsers and both show the same results.
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Today, while I was at work, my cousin stole my iPad and tested to see if it can survive a twenty five foot drop, just so she can be a youtube sensation. My apple ipad is now destroyed and she has 83 views. I know this is entirely off topic but I had to share it with someone!
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Hi are using WordPress for your blog platform? I’m new to the blog world but I’m trying to get started and create my own. Do you need any coding knowledge to make your own blog? Any help would be really appreciated!
Hey there! This is kind of off topic but I need some guidance from an established blog. Is it tough to set up your own blog? I’m not very techincal but I can figure things out pretty quick. I’m thinking about making my own but I’m not sure where to begin. Do you have any ideas or suggestions? With thanks
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Howdy just wanted to give you a quick heads up and let you know a few of the pictures aren’t loading correctly. I’m not sure why but I think its a linking issue. I’ve tried it in two different web browsers and both show the same outcome.
When I originally commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get four e-mails with the same comment. Is there any way you can remove people from that service? Thank you!
Hi there would you mind letting me know which webhost you’re working with? I’ve loaded your blog in 3 completely different web browsers and I must say this blog loads a lot faster then most. Can you recommend a good hosting provider at a reasonable price? Many thanks, I appreciate it!
Hi! This is my 1st comment here so I just wanted to give a quick shout out and tell you I really enjoy reading through your blog posts. Can you recommend any other blogs/websites/forums that cover the same subjects? Many thanks!
Hello would you mind sharing which blog platform you’re working with? I’m going to start my own blog soon but I’m having a tough time deciding between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your design and style seems different then most blogs and I’m looking for something completely unique. P.S My apologies for getting off-topic but I had to ask!
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I’m really loving the theme/design of your website. Do you ever run into any browser compatibility issues? A small number of my blog readers have complained about my site not operating correctly in Explorer but looks great in Chrome. Do you have any tips to help fix this issue?
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Greetings from California! I’m bored at work so I decided to check out your blog on my iphone during lunch break. I love the information you provide here and can’t wait to take a look when I get home. I’m surprised at how quick your blog loaded on my phone .. I’m not even using WIFI, just 3G .. Anyways, awesome blog!
Hi would you mind sharing which blog platform you’re using? I’m planning to start my own blog soon but I’m having a difficult time making a decision between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your layout seems different then most blogs and I’m looking for something unique. P.S My apologies for getting off-topic but I had to ask!
Hi there this is somewhat of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding expertise so I wanted to get guidance from someone with experience. Any help would be greatly appreciated!
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Hi would you mind sharing which blog platform you’re using? I’m looking to start my own blog in the near future but I’m having a hard time deciding between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your design and style seems different then most blogs and I’m looking for something unique. P.S Sorry for being off-topic but I had to ask!
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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Hey there! I realize this is sort of off-topic however I had to ask. Does operating a well-established blog like yours take a massive amount work? I am brand new to blogging but I do write in my diary daily. I’d like to start a blog so I can share my own experience and feelings online. Please let me know if you have any kind of recommendations or tips for brand new aspiring bloggers. Thankyou!
Have you ever considered writing an e-book or guest authoring on other sites? I have a blog based on the same topics 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 e mail.
Hi! I just wanted to ask if you ever have any issues with hackers? My last blog (wordpress) was hacked and I ended up losing many months of hard work due to no data backup. Do you have any methods to prevent hackers?
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My partner and I absolutely love your blog and find the majority of your post’s to be exactly what I’m looking for. Would you offer guest writers to write content available for you? I wouldn’t mind writing a post or elaborating on many of the subjects you write with regards to here. Again, awesome web log!
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Hey would you mind sharing which blog platform you’re working with? I’m planning to start my own blog soon but I’m having a hard time choosing between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your design and style seems different then most blogs and I’m looking for something unique. P.S Sorry for getting off-topic but I had to ask!
When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get several emails with the same comment. Is there any way you can remove people from that service? Thanks a lot!
Howdy! I know this is kind of off-topic however I needed to ask. Does operating a well-established website such as yours take a large amount of work? I’m brand new to writing a blog however I do write in my diary daily. I’d like to start a blog so I will be able to share my personal experience and feelings online. Please let me know if you have any kind of recommendations or tips for new aspiring blog owners. Appreciate it!
Hello! I know this is somewhat off topic but I was wondering which blog platform are you using for this website? I’m getting sick and 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.
My coder is trying to convince 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 a variety of websites for about a year and am anxious about switching to another platform. I have heard great things about blogengine.net. Is there a way I can import all my wordpress content into it? Any kind of help would be really appreciated!
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Have you ever considered creating an ebook or guest authoring on other blogs? I have a blog centered on the same subjects you discuss and would really like to have you share some stories/information. I know my audience would appreciate your work. If you are even remotely interested, feel free to send me an e-mail.
Hey would you mind letting me know which web host you’re using? I’ve loaded your blog in 3 completely different web browsers and I must say this blog loads a lot quicker then most. Can you recommend a good internet hosting provider at a reasonable price? Kudos, I appreciate it!
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First off I would like to say superb blog! I had a quick question in which I’d like to ask if you don’t mind. I was interested to know how you center yourself and clear your head prior to writing. I have had difficulty clearing my mind in getting my thoughts out. I do take pleasure in writing but it just seems like the first 10 to 15 minutes are usually lost simply just trying to figure out how to begin. Any suggestions or tips? Appreciate it!
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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 completely off topic but I had to tell someone!
Hi! This is my first comment here so I just wanted to give a quick shout out and say I genuinely enjoy reading through your articles. Can you suggest any other blogs/websites/forums that deal with the same subjects? Many thanks!
Howdy would you mind letting me know which web host you’re using? I’ve loaded your blog in 3 different web browsers and I must say this blog loads a lot quicker then most. Can you suggest a good hosting provider at a reasonable price? Thank you, I appreciate it!
Howdy this is kind of of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding know-how so I wanted to get advice from someone with experience. Any help would be greatly appreciated!
Hey 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 know-how so I wanted to get advice from someone with experience. Any help would be enormously appreciated!
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Heya this is kinda 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 know-how so I wanted to get guidance from someone with experience. Any help would be greatly appreciated!
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!
First of all I want to say excellent blog! I had a quick question that I’d like to ask if you do not mind. I was interested to know how you center yourself and clear your head prior to writing. I’ve had a difficult time clearing my mind in getting my ideas out there. I truly do take pleasure in writing however it just seems like the first 10 to 15 minutes are usually lost simply just trying to figure out how to begin. Any ideas or tips? Many thanks!
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Hello! I understand this is sort of off-topic but I needed to ask. Does operating a well-established website such as yours take a large amount of work? I am brand new to writing a blog but I do write in my journal every day. I’d like to start a blog so I will be able to share my own experience and views online. Please let me know if you have any kind of suggestions or tips for new aspiring blog owners. Appreciate it!
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LIke your site. Do you want to trade links.
Hands down, Apple’s app store wins by a mile. It’s a huge selection of all sorts of apps vs a rather sad selection of a handful for Zune. Microsoft has plans, especially in the realm of games, but I’m not sure I’d want to bet on the future if this aspect is important to you. The iPod is a much better choice in that case.
I really like your blog.. very nice colors & theme. Did you make this website yourself or did you hire someone to do it for you? Plz respond as I’m looking to construct my own blog and would like to find out where u got this from. thank you|
Zune and iPod: Most people compare the Zune to the Touch, but after seeing how slim and surprisingly small and light it is, I consider it to be a rather unique hybrid that combines qualities of both the Touch and the Nano. It’s very colorful and lovely OLED screen is slightly smaller than the touch screen, but the player itself feels quite a bit smaller and lighter. It weighs about 2/3 as much, and is noticeably smaller in width and height, while being just a hair thicker.
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Hi there! Quick question that’s totally off topic. Do you know how to make your site mobile friendly? My web site looks weird when browsing from my iphone 4. I’m trying to find a template or plugin that might be able to correct this issue. If you have any recommendations, please share. Thanks!
Do you mind if I quote a couple of your posts as long as I provide credit and sources back to your site? My blog is in the exact same area of interest as yours and my visitors would really benefit from a lot of the information you provide here. Please let me know if this okay with you. Thank you!
Howdy! I realize this is somewhat off-topic however I had to ask. Does running a well-established website such as yours take a lot of work? I am completely new to writing a blog but I do write in my journal on a daily basis. I’d like to start a blog so I will be able to share my experience and views online. Please let me know if you have any kind of suggestions or tips for new aspiring blog owners. Appreciate it!
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Greetings! Quick question that’s completely off topic. Do you know how to make your site mobile friendly? My web site looks weird when viewing from my iphone 4. I’m trying to find a theme or plugin that might be able to fix this problem. If you have any recommendations, please share. With thanks!
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Hello, i read your blog occasionally 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 crazy so any assistance is very much appreciated.
Right now it seems like BlogEngine is the preferred blogging platform available right now. (from what I’ve read) Is that what you are using on your blog?
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Hey there! Do you know if they make any plugins to safeguard against hackers? I’m kinda paranoid about losing everything I’ve worked hard on. Any recommendations?
Hello! I know this is somewhat 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!
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When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get four e-mails with the same comment. Is there any way you can remove me from that service? Cheers!
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Hey just wanted to give you a brief heads up and let you know a few of the images aren’t loading properly. I’m not sure why but I think its a linking issue. I’ve tried it in two different internet browsers and both show the same results.
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Right now it looks like WordPress is the preferred blogging platform available right now. (from what I’ve read) Is that what you are using on your blog?
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I was curious if you ever thought of changing the layout of your website? 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 one or 2 pictures. Maybe you could space it out better?
Right now it looks like BlogEngine is the top blogging platform out there right now. (from what I’ve read) Is that what you are using on your blog?
My developer is trying to convince 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 Movable-type on a variety of 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 really appreciated!
Right now it appears like BlogEngine is the best blogging platform available right now. (from what I’ve read) Is that what you are using on your blog?
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My developer is trying to convince 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 a variety of websites for about a year and am worried about switching to another platform. I have heard great 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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Hello, 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 advise? I get so much lately it’s driving me mad so any help is very much appreciated.
Hi! 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 difficulty finding one? Thanks a lot!
Today, while I was at work, my sister stole my iphone and tested to see if it can survive a twenty five foot drop, just so she can be a youtube sensation. My iPad is now broken and she has 83 views. I know this is completely off topic but I had to share it with someone!
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Yesterday, while I was at work, my cousin stole my iPad and tested to see if it can survive a forty foot drop, just so she can be a youtube sensation. My iPad is now broken and she has 83 views. I know this is totally off topic but I had to share it with someone!
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Heya! I just wanted to ask if you ever have any problems with hackers? My last blog (wordpress) was hacked and I ended up losing several weeks of hard work due to no back up. Do you have any methods to stop hackers?
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The other day, while I was at work, my cousin stole my iphone and tested to see if it can survive a forty foot drop, just so she can be a youtube sensation. My iPad is now broken and she has 83 views. I know this is totally off topic but I had to share it with someone!
With havin so much content and articles do you ever run into any problems of plagorism or copyright violation? My website has a lot of exclusive 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 permission. Do you know any solutions to help protect against content from being stolen? I’d truly appreciate it.
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I was curious if you ever thought of changing the page 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 two images. Maybe you could space it out better?
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 writing a blog post or vice-versa? My site discusses 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 e-mail. I look forward to hearing from you! Wonderful blog by the way!
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 entirely off topic but I had to tell someone!
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Right now it looks like BlogEngine is the preferred blogging platform available right now. (from what I’ve read) Is that what you’re using on your blog?
Hi, I think your blog might be having browser compatibility issues. When I look at your blog site in Safari, 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!
I was curious if you ever thought of 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 one or 2 images. Maybe you could space it out better?
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Hey just wanted to give you a quick heads up and let you know a few of the pictures aren’t loading properly. I’m not sure why but I think its a linking issue. I’ve tried it in two different browsers and both show the same results.
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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 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 completely off topic but I had to tell someone!
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Today, I went to the beach front 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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Hey there! I know this is kinda off topic nevertheless I’d figured I’d ask. Would you be interested in exchanging links or maybe guest authoring a blog post or vice-versa? My site covers 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 e-mail. I look forward to hearing from you! Great blog by the way!
Hi! I know this is kinda off topic nevertheless I’d figured I’d ask. Would you be interested in trading links or maybe guest authoring a blog post or vice-versa? My site addresses a lot of the same topics as yours and I believe we could greatly benefit from each other. If you happen to be interested feel free to shoot me an email. I look forward to hearing from you! Wonderful blog by the way!