Q3 2019: UBA GROWS NET PROFIT BY 32.3%, AS GROSS EARNINGS HIT N428.22 BILLION




United Bank for Africa Plc, the pan African financial institution with a network that spans 20 African countries, the United Kingdom, the USA and with presence in Paris, has announced impressive performance in its unaudited 2019 Third Quarter Financial Results, with significant growth in Gross Earnings, which rose to N428.22 billion, representing a 14.2 percent increase when compared to N374.8billion recorded in September 2018.

UBA’s Profit Before Tax grew by 24.2% to N98.2billion, up from N79.1billion in the same period of 2018. Similarly, its after tax net profit also grew significantly by 32.3% from N61.69billion recorded in September last year to N81.63billion in the period under consideration. This profit performance puts the Bank’s annualised return on average equity at 20.6%.

According to the report filed with the Nigerian Stock Exchange (NSE) on Monday, UBA’s net operating income improved by 11.6 percent year-on-year to N265.99 billion compared to N238.36 billion achieved in the similar period of 2018.

Despite the double digit inflation rate in Nigeria(its largest market) coupled with uncertainties in the business environment in Nigeria and in some countries in the rest of Africa, UBA’s curtailed operating expenses only increased by 8.4 percent and this was largely due to regulatory costs.

The Bank continues to maintain a very strong balance sheet, with Total Assets of N4.96 trillion, an increase over the N4.87 trillion recorded in December 2018. Customer Deposits also grew to N3.37trillion. The shareholders’ fund remained very strong at N555.53 billion, rising by 10.5% and reflecting a strong capacity for internal capital generation.


Commenting on the results, the Group Managing Director/CEO, UBA Plc, Kennedy Uzoka, said: “The resilience of our business model and our focused growth of earning assets have yielded a 10.8% growth in interest income. In addition to the commendable yield on interest earning assets, we also achieved a 22.1% growth in non-interest income, driven largely by the increased penetration of our superior digital banking offerings, credit expansion, remittances and other lifestyle transactional services.”

“UBA remains committed to its vision of becoming the undisputed leading and dominant financial services institution in Africa. We will continue to innovate and lead in all our business segments, whilst delivering top-notch operational efficiencies and best-in-class customer service. We are beginning to realise early gains from our ongoing Transformation Program and I am indeed excited about the days ahead,” Uzoka stated.

Also throwing more light on the bank’s financial performance and position, the Group CFO, Ugo Nwaghodoh said “with the results achieved in the quarter under consideration, the bank remains on track to deliver its earnings target for the year. We were able to grow the loan book by 14.7%, (well ahead of our guidance) focusing on growth poles of various economies in which we operate. We have also developed new credit products targeted at specific consumer and SME market segments, and will continue to do so with strict adherence to best credit/underwriting standards, as we strive to achieve the statutory loan-to-funding ratio threshold set by the apex bank”.

UBA is one of Africa’s leading banks with operations in 20 African countries. The bank also has presence in the global financial centres of London, New York and Paris.  UBA provides banking services to more than 17 million customers globally, through diverse channels.

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  22. Good day everyone reading this, My name is shielabeels parma and am from netherland I want to give a short testimony on how I was able to get a legit blank ATM card! As at two week I urgently needed money to pay my kids bills and get some stuffs for the home, I was having no were to get any help so I was online and I saw a post that Mr christopher is giving out blank ATM card, So I have to give them a try because I needed money urgently I copied her email address and sent her a personal message applying for the blank card, I got a reply from him and I sent them all what they asked me to my greatest surprise they really delivered the card to me in my door steps, I got the card and went straight to the nearest ATM machine to give a try and it really works, I made a lot of money from the card!! Now am doing great and living good life with my family please if you are out there in need of help urgently please contact Mr Christopher via email ccchackers002@gmail.com

    ReplyDelete
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  24. When I found Dr. OKISIN I was desperate in need of bringing my ex lover back. He left me for another woman. It happened so fast and I had no say in the situation at all. He just dumped me after 3 years with no explanation. I contact Dr. OKISIN through his Whats app number +2348109374702  and He told me me what i need to do before he can help me and i did what he told me to, after i provided what he wanted, he cast a love spell to help us get back together. Shortly after he did his spell, my boyfriend started texting me again and felt horrible for what he just put me through. He said that I was the most important person in his life and he knows that now. We moved in together and he was more open to me than before and then he started spending more time with me than before. Ever since Dr. OKISIN helped me, my partner is very stable, faithful and closer to me than before. I highly recommends Dr. OKISIN to anyone in need of help. Email: dr.okisinsolutiontemple@gmail.com Call him or add him on whatsapp via: +2348109374702  ..

    ReplyDelete

  25. I want to testify of the good work of Dr Iwisa who helped me in getting my happiness back i was going to have again. i was in a relationship for 4yrs with my boyfriend and everything was going so sweet i loved him so much after a while i noticed some changes in him so i knew something was wrong i tried to please him in several way but yet no outcome.shortly i noticed he was seeing another girl i tried to make him understand that i loved him so much but he wouldn't even listen.one day i read a testimony on a similar case a person testifying of the work of this great Dr Iwisa.i contacted him and let him know all my problems and he said i should not worry myself that everything will be okay within 24 hours my lover was back asking me to forgive him.Anyone similar problem should contact DR IWISA Email: superiorspellhome@gmail.com Call & Whatsapp +27730886631 https://superiorspellhome.webnode.com

    ReplyDelete
  26. I want to testify of the good work of Dr Iwisa who helped me in getting my happiness back i was going to have again. i was in a relationship for 4yrs with my boyfriend and everything was going so sweet i loved him so much after a while i noticed some changes in him so i knew something was wrong i tried to please him in several way but yet no outcome.shortly i noticed he was seeing another girl i tried to make him understand that i loved him so much but he wouldn't even listen.one day i read a testimony on a similar case a person testifying of the work of this great Dr Iwisa.i contacted him and let him know all my problems and he said i should not worry myself that everything will be okay within 24 hours my lover was back asking me to forgive him.Anyone similar problem should contact DR IWISA Email: superiorspellhome@gmail.com Call & Whatsapp +27730886631 https://superiorspellhome.webnode.com

    ReplyDelete
  27. A big thanks to Dr Oselumen i never believe that there still exist a real death spell caster after all this years of disappointment from the enormous spammers on the Internet who go about scamming people, until i was opportune to meet Dr Oselumen a real spell caster, through a close friend called Jennifer who Dr oselumen had helped before, when i contacted him with his email via droselumen@gmail.com i explain how my ex have been giving me problem in my marriage, she never allowed me a moment of peace, and i need to end it by killing her, and i don't want to make use of assassin because it will be risky so i needed to do it in a spiritual way that's why i decided to contact him, he assured me not to worry as i have contacted the right person at the right time, i co-operated with him and in less than a week my ex was dead, she slept and never woke up all thanks to Dr Oselumen indeed he's really a humble man. you can contact dr oselumen for any death spell, such as to kill your superior in the office and take his or her place, death spell to kill your father and inherit his wealth ,death spell to kill anyone who have scammed you in the past ,spell for increase in salaries, spell for promotion at the office, spell to get your ex lover back, if things is not working well in your life then you need to contact him now via Email droselumen@gmail.com call or add him on whatsapp +2348054265852.

    ReplyDelete
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  29. Great Mother is Real... I am Aisha Kun and i want to testify about Great Mother how she cured me of hiv aids. I was diagnosed of this disease some time ago and i was worried. when i was searching the internet looking for a cure, i came across some testimonies of Great Mother how she has helped a lot of people and i decided to contact her on her info and explained to her. She laughed and told me that she will help me and i was surprised. She sent me the cure and it was a spiritual holy oil and water which is more than a medicine. She directed me on how to take it and i did. I took the cure for 3 weeks and i went to the doctor for check up and to my greatest surprise the disease was no longer in my system. I am so glad and i want to thank Great Mother for helping me. Contact her now on her email:  Greatmotherofsolutiontemple1@yahoo.com  you can also reach her on her whatsapp number  +17025514367. If you have any disease, she can help you. Contact her now

    ReplyDelete
  30. invloed van macht etc., een ding dat ik wil corrigeren is dat de vrijmetselarij geen mensen opoffert of pijn doet, als je net bent ingewijd zullen ze je het zaad van rijkdom geven en je zegenen met wijsheid, macht, invloed etc. die je nodig hebt succesvol zijn. Een ander ding is dat de samenleving een speciale zegen heeft voor politici, voetballers en supersterren. Lid zijn van de Vrijmetselarij is een persoonlijke beslissing; de samenleving dwingt of smeekt mensen niet om zich bij hen aan te sluiten. Ik ben lid geworden omdat ik mijn dromen en doelen in het leven wil bereiken, niemand heeft me gedwongen, en ik ben erg blij om vandaag lid te zijn, omdat ze een grote bijdrage hebben geleverd aan mijn leven door me een van de populaire acteurs ter wereld te maken om maken. Als u geïnteresseerd bent om lid te worden van het hoofdkantoor van de vrijmetselarij, neem dan contact op met E-mail: ashwordgilmore@gmail.com of WhatsApp European Union, 27786441920 voor meer informatie over hoe u lid kunt worden van de Vergadering.

    ReplyDelete
  31. REAL URGENT EFFECTIVE SPELL CASTER TO HELP BRING BACK EX LOVER AND SAVE MARRIAGE https://urgentspellcast.wordpress.com/

    Hello everyone my is Elisa Keily am so over whelmed with joy all thanks to Dr Raypower spell.my husband left me for another woman few years back and I was very devastated cause I never did anything wrong to him,I was left with my two kid and a job that pays little.i was almost giving up until I saw a testimony online about Dr Raypower and I decided to contact him.i explained my problem to him and he assured me I'll see a positive result after 24hurs,surprisingly my husband came back the day after the spell begging me to forgive him and promised to never leave.my husband has been back for 6 months now and we've never had any issues, am glad I didn't doubt Dr Raypower cause he sure can solve any problems with fast relief you can also contact him for help now

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    ReplyDelete
  32. Hi My name is "Seven Goodman" I was married for 15years with lilian. things started getting ugly and we had fights and arguments almost every time... it got worse at a point that she filed for divorce... I tried my best to make her change her mind & stay with me.she moved out of the house and still went ahead to file for divorce... I pleaded and tried everything but still nothing worked. The breakthrough came when someone introduced me to this wonderful, great spell caster who eventually helped me out... I have never been a fan of things like this but just decided to try reluctantly cause I was desperate and left with no choice... He did special prayers and used roots and herbs... Within 2 days she called me and was sorry for all the emotional trauma she had cost me, she moved back to the house and we continue to live happily. what a wonderful miracle Dr.Obus did for me and my family. I have introduced him to a lot of couples with problems across the world and they have had good news...  I strongly believe someone out there need's his helpgreatspellcast@gmail.com   so make extra effort to save your marriage/relationship if it's truly worth it.WhatsApp  him +2347080112071

    ReplyDelete
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    ReplyDelete
  34. Hello everyone i know there is someone somewhere reading this,My name is Meghan Chase from Atlanta GA, want to share a great work of a spell caster called Dr Ayo my husband and i had a fight which led to our divorce but when he left me a part of me left with him and i was so sad and cried all day and night i was searching something online when i saw people testifying about her great work and i just decided to give her a trial i did everything she told me to do and he assured me that after 24 hours my husband will come back to me,the next morning to my greatest surprised a car stopped outside my house and it was my husband i’m so happy, He can also help you 

    Email>  strongspellcast@gmail.com

    WhatsApp> +2349050686658

    ReplyDelete
  35. PLEASE READ!!!Hello Guys!!! I am Sharon I live in Ohio USA I’m 37 Years old, am so happy I got my blank ATM card from Adriano. My blank ATM card can withdraw $4,000 daily. I got it from Him last week and now I have withdrawn about $10,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it because it is blank just your PIN will be on it, it is not traceable and now I have money for business, shopping and enough money for me and my family to live on.I am really glad and happy i met Adriano because I met Five persons before him and they could not help me. But am happy now Adriano sent the card through DHL and I got it in two days. Get your own card from him right now, he is giving it out for small fee to help people even if it is illegal but it helps a lot and no one ever gets caught or traced. I’m happy and grateful to Adriano because he changed my story all of a sudden. The card works in all countries that is the good news Adriano's email address is adrianohackers01@gmail.com

    ReplyDelete
  36. PLEASE READ!!!Hello Guys!!! I am Sharon I live in Ohio USA I’m 37 Years old, am so happy I got my blank ATM card from Adriano. My blank ATM card can withdraw $4,000 daily. I got it from Him last week and now I have withdrawn about $10,000 for free. The blank ATM withdraws money from any ATM machines and there is no name on it because it is blank just your PIN will be on it, it is not traceable and now I have money for business, shopping and enough money for me and my family to live on.I am really glad and happy i met Adriano because I met Five persons before him and they could not help me. But am happy now Adriano sent the card through DHL and I got it in two days. Get your own card from him right now, he is giving it out for small fee to help people even if it is illegal but it helps a lot and no one ever gets caught or traced. I’m happy and grateful to Adriano because he changed my story all of a sudden. The card works in all countries that is the good news Adriano's email address is adrianohackers01@gmail.com

    ReplyDelete
  37. My husband and I have been married for about 7 yrs now. We were happily married with two kids, a boy and a girl. 3 months ago, I started to notice some strange behavior from him and a few weeks later I found out that my husband is seeing someone. He started coming home late from work, he hardly care about me or the kids anymore, Sometimes he goes out and doesn't even come back home for about 2-3 days. I did all I could to rectify this problem but all to no avail. I became very worried and needed help. As I was browsing through the Internet one day, I came across a website that suggested that Dr jeffrey can help solve marital problems, restore broken relationships and so on. So, I felt I should give him a try. I contacted him and he did a spell for me. Two days later, my husband came to me and apologized for the wrongs he did and promise never to do it again. Ever since then, everything has returned back to normal. I and my family are living together happily again.. All thanks to Dr jeffrey . If you need a spell caster that can cast a spell that truly works, I suggest you contact him. He will not disappoint you. This is his E-mail:

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    WhatsApp +2348162061202

    ReplyDelete