This document provides guidance on basic investment and financial planning. It emphasizes the importance of budgeting expenses religiously for 3 months to understand monthly needs and amounts that can be saved. It recommends tracking expenses using budgeting apps and suggests saving bonuses and windfalls instead of spending them. The document advises against saving only for future purchases and warns against savings accounts with no interest. Finally, it outlines different investment vehicles like fixed deposits, treasury bills, money market funds, equity funds, real estate, and alternatives, noting their risks.
The document discusses the benefits of exercise for mental health. It states that regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help alleviate symptoms of mental illness.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
This document provides unaudited financial statements for Conoil Plc for the period ended 30 September 2018. It includes a statement of financial position, statement of profit or loss and other comprehensive income, statement of changes in equity, and notes to the financial statements. The key information is that Conoil's revenue increased by 8% to N75.8 billion for the period, and profit for the period increased by 16.9% to N1.58 billion. Total equity increased by 2.4% to N18.1 billion.
This document provides an overview of Conoil Plc, a Nigerian oil marketing company. It discusses the company's history, business units, mission, vision, and financial highlights. Specifically:
- Conoil began operations in 1927 and was incorporated in 1960, listing on the Nigerian Stock Exchange in 1989. It has various business units including retail, aviation, lubricants, and specialized products.
- The company's mission is to be the industry's flagship, offering world-class products and services. Its vision is to be Africa's leading petroleum marketing company.
- Financial highlights from 2017 show revenue of ₦115.5 billion, profit before tax of ₦2.3 billion,
Coronation Merchant Bank 2019 Nigeria consumer reportMichael Olafusi
The document analyzes sales trends of major food and consumer goods companies in Nigeria from 2011-2018. It finds that:
- Nestle Nigeria saw inflation-adjusted sales growth of 3.5% on average during this period, making it the only major company with significant growth.
- Other companies like Flour Mills of Nigeria, Unilever Nigeria, and PZ Cussons Nigeria saw declining or flat inflation-adjusted sales over time.
- Unlisted competitors focusing on lower price points have been gaining market share from the large listed companies. Brands purchased by consumers in the study came predominantly from these unlisted companies.
- Tight budgets and high inflation have made Nigerian consumers highly price
This annual report and financial statements document from Unilever Nigeria Plc provides:
- An overview of the company including its brands, corporate profile, directors, and results for 2018 including revenue, operating profit, earnings per share, and net assets per share.
- Notice for the upcoming 94th Annual General Meeting to be held on May 9, 2019 where matters such as the director's report, audited financials, dividend declaration, director elections, auditor remuneration, and audit committee elections will be voted on.
- Details on proxy voting, dividend payment procedures including the dividend payment date of May 10, 2019 and register closure dates, and nominations for the audit committee.
This document lists the directors, officers, and professional advisers of Zenith Bank PLC. It provides information on the directors, company secretary, registered office, auditor, and registrar and transfer office of the company. It also includes the directors' report which summarizes the bank's operating results for the year, including gross earnings, profit before tax, dividends proposed, and directors' shareholdings.
This document provides guidance on basic investment and financial planning. It emphasizes the importance of budgeting expenses religiously for 3 months to understand monthly needs and amounts that can be saved. It recommends tracking expenses using budgeting apps and suggests saving bonuses and windfalls instead of spending them. The document advises against saving only for future purchases and warns against savings accounts with no interest. Finally, it outlines different investment vehicles like fixed deposits, treasury bills, money market funds, equity funds, real estate, and alternatives, noting their risks.
The document discusses the benefits of exercise for mental health. It states that regular physical activity can help reduce anxiety and depression and improve mood and cognitive function. Exercise causes chemical changes in the brain that may help alleviate symptoms of mental illness.
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against mental illness and improve symptoms.
This document provides unaudited financial statements for Conoil Plc for the period ended 30 September 2018. It includes a statement of financial position, statement of profit or loss and other comprehensive income, statement of changes in equity, and notes to the financial statements. The key information is that Conoil's revenue increased by 8% to N75.8 billion for the period, and profit for the period increased by 16.9% to N1.58 billion. Total equity increased by 2.4% to N18.1 billion.
This document provides an overview of Conoil Plc, a Nigerian oil marketing company. It discusses the company's history, business units, mission, vision, and financial highlights. Specifically:
- Conoil began operations in 1927 and was incorporated in 1960, listing on the Nigerian Stock Exchange in 1989. It has various business units including retail, aviation, lubricants, and specialized products.
- The company's mission is to be the industry's flagship, offering world-class products and services. Its vision is to be Africa's leading petroleum marketing company.
- Financial highlights from 2017 show revenue of ₦115.5 billion, profit before tax of ₦2.3 billion,
Coronation Merchant Bank 2019 Nigeria consumer reportMichael Olafusi
The document analyzes sales trends of major food and consumer goods companies in Nigeria from 2011-2018. It finds that:
- Nestle Nigeria saw inflation-adjusted sales growth of 3.5% on average during this period, making it the only major company with significant growth.
- Other companies like Flour Mills of Nigeria, Unilever Nigeria, and PZ Cussons Nigeria saw declining or flat inflation-adjusted sales over time.
- Unlisted competitors focusing on lower price points have been gaining market share from the large listed companies. Brands purchased by consumers in the study came predominantly from these unlisted companies.
- Tight budgets and high inflation have made Nigerian consumers highly price
This annual report and financial statements document from Unilever Nigeria Plc provides:
- An overview of the company including its brands, corporate profile, directors, and results for 2018 including revenue, operating profit, earnings per share, and net assets per share.
- Notice for the upcoming 94th Annual General Meeting to be held on May 9, 2019 where matters such as the director's report, audited financials, dividend declaration, director elections, auditor remuneration, and audit committee elections will be voted on.
- Details on proxy voting, dividend payment procedures including the dividend payment date of May 10, 2019 and register closure dates, and nominations for the audit committee.
This document lists the directors, officers, and professional advisers of Zenith Bank PLC. It provides information on the directors, company secretary, registered office, auditor, and registrar and transfer office of the company. It also includes the directors' report which summarizes the bank's operating results for the year, including gross earnings, profit before tax, dividends proposed, and directors' shareholdings.
This document is the directors' report for United Bank for Africa PLC for the year ended 31 December 2018. It summarizes the bank's financial results including profit before tax of NGN106.77 billion and profit after tax of NGN78.61 billion. It discusses the proposed dividend of N0.65 per share and lists the bank's directors and their shareholdings. It also provides an analysis of the bank's shareholding structure and notes that no shareholder holds more than 5% of shares except Stanbic Nominees and Heirs Holdings.
The document is the annual report of Union Bank of Nigeria Plc for the year ending 31 December 2018. It includes information such as the corporate governance practices of the bank in compliance with regulatory codes, the securities trading policy, complaints management policy, whistleblowing procedures, remuneration policy for directors and senior management, and details of the board of directors including their dates of membership on the board. The annual report provides an overview of Union Bank of Nigeria Plc's financial performance and corporate governance activities for the fiscal year.
The document outlines the responsibilities of directors of a company with respect to financial statements. The directors are responsible for preparing annual financial statements that give a true and fair view of the company's financial position. Their responsibilities include ensuring appropriate internal controls, keeping accurate accounting records in compliance with relevant laws, using suitable accounting policies, and assessing the company's ability to continue as a going concern.
This document contains the annual report and audited financial statements of Transcorp Hotels Plc for the year ended 31 December 2018. It includes sections such as the corporate information, report of the directors, statement of directors' responsibilities, independent auditors' report, consolidated and separate financial statements, notes to the financial statements, and other disclosures. It provides key financial highlights such as a 20% increase in gross earnings to N17.26 billion, a 47% increase in profit after tax to N3.88 billion, and a 5% increase in net assets per share to N0.758. It also includes profiles of the board of directors and officers of Transcorp Hotels Plc.
This document is the notice of the 70th Annual General Meeting of PZ Cussons Nigeria PLC. It provides information on the date, time, and location of the meeting, as well as the agenda items to be discussed, including presenting the annual report and financial statements, declaring a dividend, electing/re-electing directors, authorizing the auditor's remuneration, electing audit committee members, approving director's remuneration, and renewing the general mandate for related party transactions. It also provides details on dividend payment procedures, closing of the register of members, nominations for the audit committee, unclaimed dividends and share certificates, e-dividend/bonus registration, and shareholder rights to
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against developing mental illness and improve symptoms for those who already have a condition.
Oando PLC published its annual report and consolidated financial statements for the year ended 31 December 2018. Some key highlights include:
- The Group reported a net profit of N28.8 billion while the Company reported a net loss of N18.3 billion.
- No dividend was proposed for the year ended 31 December 2018.
- Direct and indirect shareholdings of various directors are disclosed. The largest shareholder is Ocean and Oil Development Partners Limited with 57.37% shares.
- Donations and charitable gifts totaling N311.6 million were made towards education and community development projects.
This annual report summarizes Nestlé Nigeria Plc's financial performance for 2018. Some key highlights include:
- Revenue increased 9% to N266 billion from N244 billion in 2017.
- Profit for the year grew 28% to N43 billion from N33.7 billion.
- The directors proposed a final dividend of N38.50 per share.
- The company continued initiatives to support local farmers and improve nutrition.
This document provides the annual report for Guinness Nigeria Plc for the 2018 fiscal year. It includes the financial highlights, notice of the annual general meeting, board of directors and corporate information, chairman's statement, directors' report, and other sections such as corporate governance, sustainability, audit committee report, financial statements, and shareholder information. The financial highlights show increases in revenue, profit, and equity for the company from the previous fiscal year. The notice of annual general meeting provides the agenda and notes for the upcoming shareholder meeting. And the board of directors section lists the current board members and their nationalities.
The document is the annual report for Forte Oil PLC for the year ended December 31, 2018. It provides an overview of Forte Oil PLC as a leading integrated energy company in Nigeria involved in petroleum marketing, power generation, and upstream oilfield services. It summarizes Forte Oil's history and key milestones since 1964, describes its business operations and subsidiaries, lists its board of directors and corporate information, and provides reports on corporate governance, financial performance, and other information about the company.
The annual report summarizes Flour Mills of Nigeria Plc's performance in 2018. Some key highlights include:
- Revenue increased 3.5% to NGN 542.67 billion from NGN 524.46 billion in 2017.
- Profit before tax grew 57.9% to NGN 16.54 billion from NGN 10.47 billion in 2017.
- Earnings per share increased 59.4% to 48 kobo from 30 kobo in 2017.
- The board recommended a dividend of NGN 1.00 per share, unchanged from 2017.
- The Sunti Golden Sugar Estates, a NGN 50 billion project, was commissioned by the President
The document is the annual report of Fidelity Bank PLC for the year ended 31 December 2018. It includes the directors' report, statement of directors' responsibilities, corporate governance report, independent auditors' report, financial statements, notes to the financial statements, and other disclosures. The bank reported a profit after tax of N22.9 billion for 2018, up from N17.8 billion in 2017. The directors proposed a dividend of 11 kobo per share for approval. There were some changes to the board of directors during the year.
The directors are responsible for preparing consolidated financial statements for Ecobank Group that give a true and fair view of its financial position and comply with IFRS. This includes keeping proper accounting records, establishing adequate internal controls, and preparing financial statements using suitable policies, judgments and estimates.
The directors acknowledge their responsibility and confirm that the consolidated financial statements were prepared accordingly and give a true and fair view. They also confirm that Ecobank Group will continue as a going concern for at least 12 months.
The independent auditors issued an opinion that the consolidated financial statements present fairly Ecobank Group's financial position in accordance with IFRS. Key audit matters included impairment of loans and advances, and valuation of goodwill
The document is the annual report of AXA Mansard Insurance Plc and Subsidiary Companies for the year ended 31 December 2018. It provides an introduction to AXA Mansard as a Nigerian financial services group operating in insurance, asset management, health insurance, property development, and pension fund administration. The annual report includes the consolidated and separate financial statements of the group prepared in accordance with IFRS. It also provides information on corporate governance, management discussion and analysis, director's report, audit committee report, independent auditor's report, and the financial statements. Additionally, it summarizes AXA Mansard's corporate social responsibility initiatives in 2018 which included supporting various schools and donating to the Pan-African Urological Sur
The document is Guaranty Trust Bank's 2017 annual report. It includes:
- An overview of the bank's corporate governance structure and compliance with SEC and CBN governance codes.
- Summaries of the bank's financial performance for 2017, showing growth in gross earnings, profit before tax, and profit after tax compared to 2016.
- Reports and statements from the board of directors, audit committee, and independent auditor regarding the bank's financials and operations.
- Details of the bank's vision, mission, directors, notice for the upcoming annual general meeting, and various sections of the financial statements.
This document is the annual report of Seven-Up Bottling Company PLC for the year ending 31 March 2017. It summarizes the company's financial performance including a 26% increase in revenue but a 422% decrease in profit. It introduces the board of directors and their shareholdings. It also provides analysis of shareholdings and lists substantial shareholders. The report discloses donations made in 2017 including to security and entrepreneurship organizations.
Dangote Cement had its best year ever in 2017, with revenues increasing 31% to N805.6B and EBITDA rising 51% to N388.1B. The company opened new capacity in Congo and Sierra Leone, increasing total capacity to 45.6Mta across 10 African countries. The board recommended a dividend of N10.5 per share, up 23.5% from last year. International recognition of the company's strength saw new foreign investment and credit ratings higher than Nigeria. Nigeria emerged from recession in 2017 and the relaxation of currency controls boosted investor confidence and stock market activity.
This document is the directors' report for United Bank for Africa PLC for the year ended 31 December 2018. It summarizes the bank's financial results including profit before tax of NGN106.77 billion and profit after tax of NGN78.61 billion. It discusses the proposed dividend of N0.65 per share and lists the bank's directors and their shareholdings. It also provides an analysis of the bank's shareholding structure and notes that no shareholder holds more than 5% of shares except Stanbic Nominees and Heirs Holdings.
The document is the annual report of Union Bank of Nigeria Plc for the year ending 31 December 2018. It includes information such as the corporate governance practices of the bank in compliance with regulatory codes, the securities trading policy, complaints management policy, whistleblowing procedures, remuneration policy for directors and senior management, and details of the board of directors including their dates of membership on the board. The annual report provides an overview of Union Bank of Nigeria Plc's financial performance and corporate governance activities for the fiscal year.
The document outlines the responsibilities of directors of a company with respect to financial statements. The directors are responsible for preparing annual financial statements that give a true and fair view of the company's financial position. Their responsibilities include ensuring appropriate internal controls, keeping accurate accounting records in compliance with relevant laws, using suitable accounting policies, and assessing the company's ability to continue as a going concern.
This document contains the annual report and audited financial statements of Transcorp Hotels Plc for the year ended 31 December 2018. It includes sections such as the corporate information, report of the directors, statement of directors' responsibilities, independent auditors' report, consolidated and separate financial statements, notes to the financial statements, and other disclosures. It provides key financial highlights such as a 20% increase in gross earnings to N17.26 billion, a 47% increase in profit after tax to N3.88 billion, and a 5% increase in net assets per share to N0.758. It also includes profiles of the board of directors and officers of Transcorp Hotels Plc.
This document is the notice of the 70th Annual General Meeting of PZ Cussons Nigeria PLC. It provides information on the date, time, and location of the meeting, as well as the agenda items to be discussed, including presenting the annual report and financial statements, declaring a dividend, electing/re-electing directors, authorizing the auditor's remuneration, electing audit committee members, approving director's remuneration, and renewing the general mandate for related party transactions. It also provides details on dividend payment procedures, closing of the register of members, nominations for the audit committee, unclaimed dividends and share certificates, e-dividend/bonus registration, and shareholder rights to
The document discusses the benefits of exercise for mental health. Regular physical activity can help reduce anxiety and depression and improve mood and cognitive functioning. Exercise causes chemical changes in the brain that may help protect against developing mental illness and improve symptoms for those who already have a condition.
Oando PLC published its annual report and consolidated financial statements for the year ended 31 December 2018. Some key highlights include:
- The Group reported a net profit of N28.8 billion while the Company reported a net loss of N18.3 billion.
- No dividend was proposed for the year ended 31 December 2018.
- Direct and indirect shareholdings of various directors are disclosed. The largest shareholder is Ocean and Oil Development Partners Limited with 57.37% shares.
- Donations and charitable gifts totaling N311.6 million were made towards education and community development projects.
This annual report summarizes Nestlé Nigeria Plc's financial performance for 2018. Some key highlights include:
- Revenue increased 9% to N266 billion from N244 billion in 2017.
- Profit for the year grew 28% to N43 billion from N33.7 billion.
- The directors proposed a final dividend of N38.50 per share.
- The company continued initiatives to support local farmers and improve nutrition.
This document provides the annual report for Guinness Nigeria Plc for the 2018 fiscal year. It includes the financial highlights, notice of the annual general meeting, board of directors and corporate information, chairman's statement, directors' report, and other sections such as corporate governance, sustainability, audit committee report, financial statements, and shareholder information. The financial highlights show increases in revenue, profit, and equity for the company from the previous fiscal year. The notice of annual general meeting provides the agenda and notes for the upcoming shareholder meeting. And the board of directors section lists the current board members and their nationalities.
The document is the annual report for Forte Oil PLC for the year ended December 31, 2018. It provides an overview of Forte Oil PLC as a leading integrated energy company in Nigeria involved in petroleum marketing, power generation, and upstream oilfield services. It summarizes Forte Oil's history and key milestones since 1964, describes its business operations and subsidiaries, lists its board of directors and corporate information, and provides reports on corporate governance, financial performance, and other information about the company.
The annual report summarizes Flour Mills of Nigeria Plc's performance in 2018. Some key highlights include:
- Revenue increased 3.5% to NGN 542.67 billion from NGN 524.46 billion in 2017.
- Profit before tax grew 57.9% to NGN 16.54 billion from NGN 10.47 billion in 2017.
- Earnings per share increased 59.4% to 48 kobo from 30 kobo in 2017.
- The board recommended a dividend of NGN 1.00 per share, unchanged from 2017.
- The Sunti Golden Sugar Estates, a NGN 50 billion project, was commissioned by the President
The document is the annual report of Fidelity Bank PLC for the year ended 31 December 2018. It includes the directors' report, statement of directors' responsibilities, corporate governance report, independent auditors' report, financial statements, notes to the financial statements, and other disclosures. The bank reported a profit after tax of N22.9 billion for 2018, up from N17.8 billion in 2017. The directors proposed a dividend of 11 kobo per share for approval. There were some changes to the board of directors during the year.
The directors are responsible for preparing consolidated financial statements for Ecobank Group that give a true and fair view of its financial position and comply with IFRS. This includes keeping proper accounting records, establishing adequate internal controls, and preparing financial statements using suitable policies, judgments and estimates.
The directors acknowledge their responsibility and confirm that the consolidated financial statements were prepared accordingly and give a true and fair view. They also confirm that Ecobank Group will continue as a going concern for at least 12 months.
The independent auditors issued an opinion that the consolidated financial statements present fairly Ecobank Group's financial position in accordance with IFRS. Key audit matters included impairment of loans and advances, and valuation of goodwill
The document is the annual report of AXA Mansard Insurance Plc and Subsidiary Companies for the year ended 31 December 2018. It provides an introduction to AXA Mansard as a Nigerian financial services group operating in insurance, asset management, health insurance, property development, and pension fund administration. The annual report includes the consolidated and separate financial statements of the group prepared in accordance with IFRS. It also provides information on corporate governance, management discussion and analysis, director's report, audit committee report, independent auditor's report, and the financial statements. Additionally, it summarizes AXA Mansard's corporate social responsibility initiatives in 2018 which included supporting various schools and donating to the Pan-African Urological Sur
The document is Guaranty Trust Bank's 2017 annual report. It includes:
- An overview of the bank's corporate governance structure and compliance with SEC and CBN governance codes.
- Summaries of the bank's financial performance for 2017, showing growth in gross earnings, profit before tax, and profit after tax compared to 2016.
- Reports and statements from the board of directors, audit committee, and independent auditor regarding the bank's financials and operations.
- Details of the bank's vision, mission, directors, notice for the upcoming annual general meeting, and various sections of the financial statements.
This document is the annual report of Seven-Up Bottling Company PLC for the year ending 31 March 2017. It summarizes the company's financial performance including a 26% increase in revenue but a 422% decrease in profit. It introduces the board of directors and their shareholdings. It also provides analysis of shareholdings and lists substantial shareholders. The report discloses donations made in 2017 including to security and entrepreneurship organizations.
Dangote Cement had its best year ever in 2017, with revenues increasing 31% to N805.6B and EBITDA rising 51% to N388.1B. The company opened new capacity in Congo and Sierra Leone, increasing total capacity to 45.6Mta across 10 African countries. The board recommended a dividend of N10.5 per share, up 23.5% from last year. International recognition of the company's strength saw new foreign investment and credit ratings higher than Nigeria. Nigeria emerged from recession in 2017 and the relaxation of currency controls boosted investor confidence and stock market activity.
UnityNet World Environment Day Abraham Project 2024 Press ReleaseLHelferty
June 12, 2024 UnityNet International (#UNI) World Environment Day Abraham Project 2024 Press Release from Markham / Mississauga, Ontario in the, Greater Tkaronto Bioregion, Canada in the North American Great Lakes Watersheds of North America (Turtle Island).
Cleades Robinson, a respected leader in Philadelphia's police force, is known for his diplomatic and tactful approach, fostering a strong community rapport.
Methanex is the world's largest producer and supplier of methanol. We create value through our leadership in the global production, marketing and delivery of methanol to customers. View our latest Investor Presentation for more details.
ZKsync airdrop of 3.6 billion ZK tokens is scheduled by ZKsync for next week.pdfSOFTTECHHUB
The world of blockchain and decentralized technologies is about to witness a groundbreaking event. ZKsync, the pioneering Ethereum Layer 2 network, has announced the highly anticipated airdrop of its native token, ZK. This move marks a significant milestone in the protocol's journey, empowering the community to take the reins and shape the future of this revolutionary ecosystem.