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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      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 Great 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 Great . 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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      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 Great 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 Great . 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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  25. 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

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  26. 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.

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  27. 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

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  28. It is a well-known fact that Illuminati consist of Multi Millionaires,
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  29. 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 

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    ReplyDelete
  30. 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

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  31. Strong And Powerful Love Spell To Win Your Ex Back.. I have decided that i am going to spend the whole day on the internet just to make sure that a lot of people are able to read this my testimony about Dr.happy who is a powerful spell caster from Africa, After been abandon by my lover i was so lonely that very day that i decided to go through the net for some relationships tips, I never knew that this was the road map that will secure the return of my lover. After reading a lot of tips on how to restore my relationship in a more better way i discovered that Dr.happy has a lot of recommendation than other spell casters, So with this i had my mind made up that Dr.happy was the right person for the job, And i contacted Dr.happy through his details which i saw on the internet and i was so happy that i chose to work with Dr.happy because his work was 100% perfect and the spell brought my lover back to me with fast relief you can also contact him for help now email.. happylovespell2@gmail.com
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  32. Hello everyone I am Mr Agent Smith from USA, I am giving a testimony on how I joined the illuminati brotherhood, I was trying to join this organization for so many years now,I was scammed by fake agent in south Africa and Nigeria, I was down,I could not feed my self and my family anymore and I tried to make money by all miss but all avail, I was afraid to contact any Illuminati agent because they have eat my money. One day I across a post of someone giving a testimony, thanking a man called Paul mark of being helping him to join the illuminati brotherhood, then I look at the man email and the phone number that was written there, it was a Nigeria number I was afraid to contact him because a Nigeria agent eat my $5,000 and go away with the money then I was very tired, confused and I decided to contact the person that was given the testimony and i called him and I communicated with him on phone calls before he started telling me his own story about when he wanted to join, he told me everything to do, then I made up my mind and called the agent called Paul mark and he told me everything to do, and I was initiated, surprisingly I was given my benefit of being a new member of the great illuminati brotherhood I was so happy,For those of you trying to join this organization this is your opportunity for you to join CONTACT MR PAUL MARK call (+2348163028633 or WhatsApp him +1(646)481-0376 or email:join666cult@gmail.com

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  33. Get A Blank ATM CARD And Cash Good Money/Funds Pay Your Debt directly today in any ATM machine around you anywhere in the world. contact cryptoatmhacker@gmail.com.. It's 100% guaranteed secure with no worries of being caught because the blank card it's already programmed and loaded with good funds in it, in such a way that's not traceable which also have a technique that makes it impossible for the CCTV to detect you, i am not a stupid man that i will come out to the public and start saying what someone have not done. For more info contact Mr john and also on how you are going to get your Card, Order yours today via Email: cryptoatmhacker@gmail.com

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  34. PLEASE READ!!!Hello Guys!!! I am Sharon I live in Florida 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
  35. I need my ex lover back Contact: Drsikama@gmail.com and his result is 100% sure and guaranteed!.
    I got a divorce from my husband when I was six months pregnant with my second child. We had been arguing and quarreling nonstop since the day our first child was conceived, no love nor trust from him anymore so he divorced me. And all these whiles, I have been trying all different means to get him back, I also tried some different spell casters here in the United States, but none of them could bring Richard back to me. It was only Dr. sikama who guaranteed me an urgent 28 hours spell casting, and he assure me that my husband will be with me again. I am writing to offer my thanks and deep gratitude to you for keeping your promises, and for using your gifted and great powers to bring him back home. I was thrilled to know that you are specialized in reuniting Lovers. Thank you Sir, for helping me through the worst times of my life, for being such a great spell caster, and for giving me a love spell that has brought me so much joy in my marriage. My husband is back and promise never to leave me again. If you doubt his ability, trust me. You should take a chance. It pays off in ways you could never even imagine. If you are their right now and you need a powerful and urgent love spell to bring back your ex kindly contact Dr. sikama right now he is the only answer to restore your broken relationship or marriage. Here’s his contact: Email him at:drsikama@gmail.com ,Call/WhatsApp:+2348130725051

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  37. Temple of wealth Brotherhood occult is here to firmly assure you that you can get rich without any evil ritual, that you can get rich without killing your mother, father, brother, sister, uncle or a poor child on the street. It is real and don’t have any side effect. Try it now and see. Take that bold step to your world of riches. call (+2349056393547) Temple of wealth Brotherhood occult toady and state what you want and how you want it. The solution is at your door step. You don’t need to be in debts and always borrow, let people now come and borrow from you. your wealth is in your palms and Your destiny is in your hands
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  38. This is my testimony about the good work of Dr. GODWIN who help me.... I'm from north carolina USA. And am sorry for putting this on net but i will have to by this world top spell caster that brought back my husband which left me out for past 3 years, i eventually met this man on a blog site posting by one of is client for help, i explained everything to him and he told me about a spell caster that he had heard about and he gave me an email address to write to the spell caster to tell him my problems. In just 2 days, my husband was back to me. I just want to say thank you to this truthful and sincere spell caster, sir all you told me have come to pass and thank you sir. Please i want to tell everyone who is looking for any solution to problem such as LOTTERY SPELL, DIVORCE SPELL, DEATH SPELL, PREGNANCY SPELL, PROMOTION SPELL, i advice you to kindly consult this spell caster, he is real,he is powerful and whatever the spell caster tell is what will happen, because all what the spell caster told me came to pass. You can kindly contact him on: his email address is drgodwinsolutionhome@gmail.com or directly on whaTsapp +2348054615060 .. i will forever be greatful

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  39. Investing online has been a main source of income,that's why knowledge plays a very important role in humanity,you don't need to over work yourself for money.All you need is the right information,and you could build your own wealth from the comfort of your home!Binary trading is dependent on timely signals,assets or controlled strategies which when mastered increases chance of winning up to 90%-100% with trading. It’s possible to earn $10,000 to $20,000 trading weekly-monthly,just file a complaint with  Robert,I had almost given up on everything about binary trading and ever getting my lost funds back,till i met with him,with his help now i have my lost funds back to my bank account and I can now trade successfully with his profitable strategies and software!! Email: Robertseaman939@gmail.com or Fb.me/investandmakemoney1 or  whatsApp: +44 7466 770724

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  40. Dankzij een geweldige man genaamd dr Ajayi kon ik me met mijn man verzoenen na een scheiding van een jaar, mijn vriend, die een bankier is, stelde me aan hem voor omdat hij haar hielp bij het krijgen van promotie bij de bank waar ze mee werkt, met zijn voorouderlijke krachten aan hem doorgegeven door zijn voorouders. als je de hulp nodig hebt van een spreukenmaker bij een probleem waar je doorheen gaat of je huwelijksleven, wees dan niet verlegen, ik raad je aan om contact op te nemen met dr. Ajayi de spreukenmaker op Whatsapp: +2347084887094 of e-mail: drajayi1990@gmail.com voor een snelle oplossing

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