…Declares N0.20k Interim Dividend
Africa’s Global Bank, United Bank for Africa (UBA) Plc, has announced its audited financial results for the half year ended June 30, 2022, recording double-digit growth across key income lines as well as significant progress in the contribution from its subsidiaries.
At the end of the first two quarters of the year, the Bank was able to deliver a 12.6 per cent appreciation in profit before tax(PBT) to N85.7bn, up from N76.2bn recorded in the same period of 2021.
Despite numerous business, economic as well as geo-political environmental challenges including continued supply-chain interruptions due to Covid, the Russia and Ukraine conflict, and the resultant rise in prices of global commodities, that characterized the first six months of the year, the tier1 lender delivered impressive numbers, with gross earnings hitting N372.4bn, a solid 17.8 percent growth when compared with N316billion that was posted the same period in the prior year.
Operating income also grew by 20.1% to N256bn in the period, while the firm’s profit after tax closed the first half stronger at N70.3 billion, up by 16.1 percent compared to the N60.6 billion same period in 2021.
A further breakdown of the Bank’s half-year result, which was filed with the Nigerian Exchange Group(NGX), in the early hours on Thursday, September 8, showed total assets continued on an upward trajectory, increasing 5.4 percent to about N9 trillion.
The bank also delivered on its core mandate of extending loans to credit-worthy customers for the overall economic development, as loans and advances increased by 4 percent to N3trillion; while deposits rose by 7.9 percent to N7.6 trillion at the end of the period.
Shareholders’ funds however declined marginally by 2 percent to N788.5 billion, owing majorly to the decline in its foreign operations translation reserve as well as fair value losses suffered from the investment securities valuation occasioned by the increasing interest rate regime across the globe.
With the strong double-digit growth in profit after tax (PAT) vis-à-vis the marginal decline in shareholder’s fund, the Group’s return on equity (RoE) closed the period stronger at 17.7%, whilst return on assets (RoA) came to 1.6%, up by 9 basis points.
Reaffirming its commitment to shareholders and the investing public, the Board of Directors of UBA Plc declared an interim dividend of 20kobo per share for every ordinary share of N0.50 each held by its shareholders.
UBA’s Group Managing Director/Chief Executive Officer, Oliver Alawuba, while commenting on the result, said the stellar performance was in line with management’s expectation, adding that the Bank’s continued focus on its Customer 1st philosophy to pursue the mission of providing superior value to our stakeholders had increased low-cost customer deposits, and boosted the growth of its payment and transaction banking.
“The financial year 2022 showed initial signs of recovery of economies across the globe, despite continued COVID-induced supply-chain disruptions. However, geopolitical challenges including the Russia and Ukraine conflict, resulted in escalation of global commodity prices, particularly grains and crude oil, which have taken a toll on several economies. Notwithstanding these developments, our half-year numbers came out stronger than the prior year, with top and bottom-line reaching new record highs,” Alawuba said.
According to him, The Group’s profitability increased by 12.6% to N85.7 billion, with double-digit growth recorded across key income line. The Bank also recorded a decent 20% growth in net interest income as it continues to moderate cost of funds whilst improving yield on assets, thereby contributing to the strong 20% growth in operating income. “Our investments in state-of-the-art technology continue to yield expected results, evident in the huge boost of our digital banking income, which grew 22.7% year-on-year to N36.3 billion. These gains have enabled us to optimize net earnings amid the accelerating inflationary pressure, the currency devaluation, and increased regulatory-driven cost,” he said.
The GMD also noted that he is delighted at the strides made by the Bank in growing its market share across Africa. In his words, “Our retail business has continued to grow, as we ride on our agency banking network, trusted brand, competitive product offerings and quality service delivery to deepen our retail penetration,”
Alawuba who also commented on his recent appointment as Group Managing Director/Chief Executive Officer, alongside five other Group Executive Directors, assured the investing public of his relentless commitment to the growth of the business. “Together, with our highly motivated workforce, we are poised to usher the business into a new era of growth that will deliver superior values to all stakeholders,” he said.
UBA is a leading pan-African financial institution, offering banking services to more than thirty-seven million customers across 1,000 business offices and customer touch points in 20 African countries.
With presence in New York, London and Paris and now the UAE, UBA is connecting people and businesses across Africa through retail, commercial and corporate banking, innovative cross-border payments and remittances, trade finance and ancillary banking services.
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花蓮外送茶
花蓮外送茶：精選安全便捷的外約服務攻略
引言
花蓮外送茶服務因其便利性與多樣化而備受歡迎，不僅滿足社交需求，更以快速、安全為核心，成為許多人的理想選擇。本文將深入剖析花蓮外送茶的特點、流程，以及如何選擇適合的服務，幫助您享受安心的高品質體驗。
什麼是花蓮外送茶服務？
花蓮外送茶服務是一種針對多元需求的伴侶外約服務，常見特點如下：
即時安排：快速回應客戶需求，提供靈活的服務時間。
多元選擇：從高端到平價方案，滿足各種預算層級。
私密性高：確保所有客戶資料絕對保密，安全性有保障。
為什麼選擇花蓮外送茶？
生活壓力舒緩：透過高品質的互動體驗，放鬆身心。
臨時需求應對：解決因臨時變動產生的陪伴需求。
特定場合加分：生日、商務活動等場合的高端陪伴服務。
如何選擇優質的花蓮外送茶服務？
辨別專業合法服務的重要性
查看評價：選擇具有良好口碑的服務商。
確認價格透明：事先了解費用，避免臨時加價問題。
重視隱私保障：選擇承諾保密的合法經營商家。
服務流程簡介
聯繫商家，表達需求並獲得建議。
確定伴侶類型與服務細節。
安排時間地點，享受服務。
提升花蓮外送茶體驗的建議
事先規劃：提前安排服務，避免臨時出現不便。
選擇信譽品牌：確保選擇口碑良好的服務商，避免風險。
溝通需求：明確表達需求與期待，達成雙方共識。
台中外送茶：安全快速的外約服務指南
引言
台中外送茶是一項方便且受歡迎的服務，無論是夜晚的放鬆需求還是特殊場合的社交活動，都能提供快速、安全且專業的體驗。本文將深入探討台中外送茶的選擇、流程以及相關注意事項，幫助您在選擇服務時更加安心與滿意。
什麼是台中外送茶？
台中外送茶服務主要提供以下特點：
快速應對：透過線上或電話聯繫，立即安排外送服務。
多元選擇：服務涵蓋不同需求，從高端到實惠方案應有盡有。
隱私保障：強調保密性，確保客戶資料不被外洩。
台中外送茶適合哪些人？
商務旅客：在台中短期停留，追求品質與方便的伴侶服務。
壓力族群：希望藉由互動放鬆身心，增添生活樂趣。
聚會需求：特殊場合、生日或朋友聚會需要專業的伴侶服務。
選擇台中外送茶的注意事項
如何選擇安全的服務？
查詢評價：選擇高評價且有口碑的服務提供者。
確認價格透明：避免隱藏費用，提前溝通價格範圍。
合法經營：確認服務平台是否具備合法經營的資格。
常見的服務流程
聯繫服務商家，了解可提供的選項及價格。
確定時間與地點，確保雙方需求達成一致。
接收外送服務，享受專業的伴侶陪伴。
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Anti-money laundering (AML)
Solutions for Checking USDT for Restrictive Measures and Transaction Integrity: Anti-Laundering Approaches
In the contemporary world of digital currencies, where fast exchanges and anonymity are becoming the usual case, tracking the validity and cleanliness of transactions is necessary. In light of amplified regulatory scrutiny over financial misconduct and terrorist financing, the necessity for effective tools to authenticate transfers has become a major concern for crypto users. In this write-up, we will discuss accessible tools for assessing USDT for prohibitions and operation integrity.
What is AML?
Anti-Money Laundering measures refer to a collection of legal protocols aimed at curtailing and uncovering financial misconduct activities. With the growth of digital asset usage, AML strategies have become exceedingly crucial, allowing participants to manage digital resources confidently while reducing perils associated with restrictive measures.
USDT, as the arguably the well-known stablecoin, is widely used in various deals across the globe. Nonetheless, using USDT can carry several risks, especially if your capital may relate to unclear or illegal maneuvers. To reduce these risks, it’s crucial to take make use of services that verify USDT for restrictive measures.
Available Services
1. Address Confirmation: Leveraging specific tools, you can verify a particular USDT address for any associations to sanction catalogs. This assists pinpoint potential connections to illegal operations.
2. Deal Engagement Evaluation: Some platforms provide evaluation of operation records, essential for evaluating the transparency of monetary movements and identifying potentially risky operations.
3. Monitoring Services: Expert monitoring tools allow you to observe all exchanges related to your account, facilitating you to rapidly detect suspicious operations.
4. Risk Reports: Certain solutions offer detailed concern summaries, which can be helpful for investors looking to ensure the trustworthiness of their investments.
Irrespective of if you are controlling a substantial fund or conducting small deals, following to AML practices assists prevent legal repercussions. Utilizing USDT authentication solutions not only shields you from financial damages but also helps to forming a stable environment for all industry actors.
Conclusion
Monitoring USDT for sanctions and deal clarity is becoming a compulsory process for anyone keen to stay within the rules and uphold high standards of visibility in the virtual currency sector. By working with reliable tools, you not only secure your resources but also help to the collective goal in countering financial misconduct and terrorist financing.
If you are ready to start employing these offerings, review the existing tools and select the solution that best fits your needs. Remember, insight is your asset, and swift transaction verification can protect you from numerous issues in the long run.
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Offerings for Monitoring USDT for Prohibitions and Operation Integrity: Anti-Laundering Strategies
In the up-to-date environment of crypto assets, where rapid deals and privacy are becoming the usual case, tracking the validity and clarity of transactions is crucial. In view of amplified government investigation over money laundering and terrorism funding, the demand for robust means to validate transactions has become a critical concern for digital asset users. In this piece, we will explore accessible services for verifying USDT for restrictive measures and transfer cleanliness.
What is AML?
Anti-Laundering practices refer to a set of legal actions aimed at hindering and uncovering financial misconduct activities. With the growth of virtual currency usage, AML practices have become especially critical, allowing clients to deal with digital assets securely while lessening risks associated with restrictive measures.
USDT, as the widely regarded as the popular stablecoin, is widely used in various exchanges worldwide. However, using USDT can involve several threats, especially if your capital may associate to non-transparent or illegal activities. To mitigate these threats, it’s essential to take advantage of offerings that check USDT for sanctions.
Available Services
1. Address Confirmation: Leveraging dedicated tools, you can verify a certain USDT address for any associations to prohibited catalogs. This facilitates uncover potential associations to illegal operations.
2. Deal Engagement Analysis: Some services extend analysis of deal history, crucial for judging the transparency of monetary transactions and identifying potentially dangerous transactions.
3. Surveillance Solutions: Professional monitoring services allow you to monitor all operations related to your account, facilitating you to quickly spot questionable actions.
4. Hazard Documents: Certain solutions extend detailed risk summaries, which can be valuable for stakeholders looking to ensure the reliability of their holdings.
No matter of whether or not you are handling a significant capital or conducting small trades, abiding to AML standards assists steer clear of legal repercussions. Employing USDT verification services not only shields you from capital declines but also supports to building a protected environment for all business players.
Conclusion
Monitoring USDT for sanctions and transaction cleanliness is becoming a mandatory step for anyone enthusiastic to stay compliant within the regulations and support high standards of openness in the digital asset industry. By engaging with credible tools, you not only protect your assets but also support to the joint initiative in fighting illicit finance and terrorism funding.
If you are willing to start leveraging these offerings, examine the offered platforms and identify the option that best fits your needs. Bear in mind, information is your asset, and timely operation verification can rescue you from countless challenges in the time ahead.
Vatican Museum Tours
The Vatican Museum: A Journey Through Time and Art
Nestled within the Vatican City, the Vatican Museums stand as one of the most iconic cultural institutions in the world. With their unparalleled collection of art and history, they offer an extraordinary experience for visitors from all walks of life. Housing over 70,000 works of art, with 20,000 on display, these museums are a testament to humanity’s enduring quest for beauty, knowledge, and spirituality.
A Brief History
The origins of the Vatican Museums trace back to 1506 when Pope Julius II acquired a marble statue known as “Laocoon and His Sons.” This masterpiece marked the beginning of what would become one of the most extensive and revered art collections in the world. Over the centuries, successive Popes expanded the collection, commissioning and acquiring works from renowned artists and civilizations spanning millennia.
Today, the Vatican Museums are a series of interconnected museums and galleries, showcasing art and artifacts from ancient Egypt, classical antiquity, the Renaissance, and beyond. They serve as a bridge between the past and present, inviting visitors to immerse themselves in a world of creativity and devotion.
Highlights of the Vatican Museums
1. The Sistine Chapel:
The Sistine Chapel is arguably the crown jewel of the Vatican Museums. Michelangelo’s breathtaking frescoes, including the iconic “The Creation of Adam” and “The Last Judgment,” adorn its ceiling and altar wall. These masterpieces are considered some of the greatest achievements in the history of art, offering a profound spiritual and artistic experience.
2. Raphael Rooms:
Commissioned by Pope Julius II, the Raphael Rooms showcase the genius of Renaissance artist Raphael. The “School of Athens,” a depiction of classical philosophers, is a standout piece that exemplifies harmony, perspective, and intellectual depth.
3. Gallery of Maps:
A visual feast for cartography enthusiasts, the Gallery of Maps features 40 detailed topographical maps of Italy, meticulously painted by Ignazio Danti in the late 16th century. The vibrant colors and intricate details make this gallery a must-see.
4. Gregorian Egyptian Museum:
For those intrigued by ancient civilizations, the Gregorian Egyptian Museum offers a fascinating glimpse into Egypt’s history. With mummies, statues, and papyri, it transports visitors to a time of pharaohs and pyramids.
5. Pinacoteca:
The Pinacoteca, or picture gallery, houses an impressive collection of paintings from the Middle Ages to the 19th century. Works by Leonardo da Vinci, Caravaggio, and Titian are among its treasures.
Tips for Visiting the Vatican Museums
Book Tickets in Advance: The Vatican Museums attract millions of visitors annually. To avoid long queues, consider purchasing skip-the-line tickets or guided tour packages online.
Choose the Right Time: Visiting early in the morning or late in the afternoon can help you avoid peak crowds. Wednesday mornings are especially busy due to the Pope’s weekly audience.
Dress Appropriately: As a religious site, the Vatican has a dress code. Ensure your shoulders and knees are covered to gain entry.
Take a Guided Tour: To fully appreciate the history and significance of the collections, opt for a guided tour. Expert guides provide insightful commentary, enriching your experience.
Allocate Sufficient Time: The museums are vast, and exploring them can take several hours. Prioritize your must-see areas and allow time to soak in the ambiance.
The Cultural Significance of the Vatican Museums
The Vatican Museums are more than a repository of art; they represent a convergence of faith, culture, and human achievement. They bear witness to the Catholic Church’s role in preserving and fostering artistic expression throughout history. The collections highlight the interplay between spirituality and creativity, offering visitors a profound connection to the divine and the universal human experience.
Practical Information
Location: Vatican City, accessible from Rome.
Opening Hours: Typically open Monday through Saturday, with limited hours on Sundays. Check the official website for holiday schedules.
Tickets: Standard entry fees vary, with discounts available for students and children.
Accessibility: The museums are wheelchair accessible, with lifts and pathways designed for visitors with mobility challenges.
The Vatican Museums are a treasure trove of art, history, and spirituality, offering a transformative journey through humanity’s creative and cultural legacy. Whether you are an art aficionado, a history enthusiast, or a spiritual seeker, the museums promise an unforgettable experience. Plan your visit today to explore one of the world’s greatest cultural landmarks and discover the timeless beauty that lies within its walls.
Anti-money laundering (AML)
Offerings for Checking USDT for Sanctions and Transfer Purity: AML Strategies
In the current environment of cryptocurrencies, where expedited exchanges and obscurity are becoming the standard, supervising the legitimacy and cleanliness of processes is crucial. In recognition of increased government oversight over dirty money and financing of terrorism, the necessity for efficient resources to authenticate operations has become a critical concern for virtual currency users. In this write-up, we will explore existing offerings for assessing USDT for sanctions and operation purity.
What is AML?
Money Laundering Prevention actions refer to a group of supervisory measures aimed at preventing and detecting financial misconduct activities. With the surge of digital asset usage, AML measures have become particularly critical, allowing users to handle digital holdings with assurance while lessening threats associated with restrictive measures.
USDT, as the widely regarded as the recognized stablecoin, is extensively used in diverse exchanges worldwide. Nonetheless, using USDT can involve several dangers, especially if your funds may tie to opaque or criminal activities. To mitigate these hazards, it’s vital to take advantage of services that inspect USDT for embargoes.
Available Services
1. Address Validation: Using customized tools, you can verify a designated USDT address for any connections to sanction directories. This assists identify potential ties to illegal operations.
2. Deal Activity Analysis: Some tools offer evaluation of transfer chronology, essential for measuring the transparency of monetary transfers and identifying potentially threatening activities.
3. Observation Services: Professional monitoring solutions allow you to observe all transactions related to your wallet, facilitating you to quickly spot questionable operations.
4. Threat Reports: Certain solutions provide detailed concern summaries, which can be helpful for investors looking to confirm the reliability of their resources.
Irrespective of whether you are controlling a significant capital or executing small trades, abiding to AML guidelines helps prevent legal repercussions. Adopting USDT verification solutions not only protects you from financial declines but also contributes to establishing a secure environment for all market players.
Conclusion
Checking USDT for sanctions and deal purity is becoming a necessary step for anyone enthusiastic to stay compliant within the law and maintain high levels of clarity in the cryptocurrency sector. By working with reliable services, you not only secure your holdings but also support to the shared initiative in fighting money laundering and terror financing activities.
If you are prepared to start using these services, investigate the offered platforms and identify the one that most suitably fits your preferences. Keep in mind, information is your power, and quick transfer assessment can save you from numerous challenges in the future.
Solutions for Assessing USDT for Restrictive Measures and Transaction Cleanliness: Anti-Laundering Approaches
In the up-to-date realm of digital currencies, where fast trades and obscurity are becoming the standard practice, supervising the legality and integrity of operations is essential. In recognition of heightened official scrutiny over money laundering and terrorism funding, the demand for effective resources to verify transfers has become a significant matter for digital asset users. In this piece, we will review offered solutions for checking USDT for prohibitions and deal cleanliness.
What is AML?
Money Laundering Prevention actions refer to a collection of supervisory protocols aimed at stopping and identifying money laundering activities. With the growth of crypto usage, AML practices have become particularly important, allowing clients to deal with digital assets reliably while lessening risks associated with embargoes.
USDT, as the preeminent favored stablecoin, is broadly used in different exchanges worldwide. However, using USDT can entail several risks, especially if your resources may associate to non-transparent or illegal operations. To lessen these concerns, it’s imperative to take benefit of services that verify USDT for embargoes.
Available Services
1. Address Confirmation: Employing dedicated tools, you can confirm a designated USDT address for any links to sanction directories. This aids detect potential links to illicit conduct.
2. Operation Engagement Analysis: Some platforms provide analysis of operation background, essential for evaluating the lucidity of financial transfers and detecting potentially hazardous conduct.
3. Observation Solutions: Expert monitoring tools allow you to follow all transactions related to your wallet, permitting you to quickly spot questionable conduct.
4. Threat Statements: Certain solutions extend detailed threat summaries, which can be valuable for investors looking to ensure the trustworthiness of their assets.
Regardless of if you are handling a significant capital or performing small transactions, abiding to AML standards assists steer clear of legal repercussions. Utilizing USDT verification solutions not only defends you from monetary losses but also supports to creating a stable environment for all industry players.
Conclusion
Checking USDT for restrictive measures and transaction clarity is becoming a compulsory measure for anyone motivated to continue within the legal framework and maintain high benchmarks of transparency in the cryptocurrency domain. By collaborating with dependable tools, you not only defend your resources but also contribute to the shared effort in preventing financial misconduct and terrorist financing.
If you are prepared to start using these tools, review the available options and identify the service that most suitably aligns with your requirements. Keep in mind, knowledge is your advantage, and timely transfer validation can protect you from many problems in the coming times.