ANNUAL REPORT 2016 COMPLETE.Cdr
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World Bank Document
SFG2386 V4 Public Disclosure Authorized ENVIRONMENTAL AND SOCIAL MANAGEMENT PLAN (ESMP) Draft Report For PUBLIC WORKS – Road Maintenance Public Disclosure Authorized (90 Lots) in Twenty-three Local Government Areas, Rivers State Public Disclosure Authorized By Public Disclosure Authorized Rivers State Employment and Expenditure for Results Project (SEEFOR), Ministry of Budget & Economic Planning Under the World Bank Assisted Project and European Union July, 2017 SEEFOR Intervention Works, Road Maintenance, Rivers State Table of Contents Content Page Title Cover i Table of Contents ii List of Tables iii List of Acronyms iv Executive Summary v CHAPTER ONE: Introduction 1 1.1 Background 1 1.2 The Project Invention Locations 1 1.3 Description of Proposed Activities 1 1.4 Need for ESMP 2 1.5 Approaches for Preparing the ESMP 2 1.5.1 Literature Review 2 1.5.2 Field Visits 2 CHAPTER TWO: Institutional and Legal Framework for Environmental Management 3 2.1 Introduction 3 2.2 Federal Policy/Legislation 3 2.2.1 National Policy on Environment 3 2.2.2 Federal EIA Act No. 86, 1992 3 2.3 Rivers State Environment Protection Law No. 2, 1994 3 2.4 World Bank Safeguards Policy Triggered by SEEFOR & the Proposed Project 3 CHAPTER THREE: Biophysical Environment 4 3.1 Introduction 4 3.2 Project Location 4 3.3 Geology and Ecological Zones 4 3.4 Climate and Rainfall 4 3.5 Waste and Waste Management 4 3.6 Air Quality and Noise Level 4 3.7 Population of the Intervention Areas 4 3.8 Economy and Source of Livelihood 4 3.9 Culture of the People ` 4 3.10 Social Structure -
2005 Diamond Bank Annual Report
CONTENTS 03 Result at a glance 23 Statement of Significant Accounting Policies 04 Notice of Annual General Meeting 27 Consolidated Profit and Loss Account 06 Chairman’s Statement 28 Consolidated Balance Sheet 10 Chief Executive Officer’s Review 29 Consolidated Cash Flow Statement 14 Board of Directors 30 Notes of the Consolidated Financial Statements 16 Management Team 50 Statement of Value Added 18 Directors’ Report 51 Five Year Financial Summary - Group 20 Report of the Audit Committee 52 Five Year Financial Summary - Bank 21 Report of the Independent Auditors 53 Corporate Directory 22 Statement of Directors’ Responsibilities 55 Proxy Form 4 Result at a glance 5 Notice of Annual General Meeting NOTICE IS HEREBY GIVEN that the 15th Annual General Meeting of DIAMOND BANK PLC will be held at the Expo Hall of Eko Hotel & Suites, Adetokunbo Ademola Street, Victoria Island, Lagos State on the 30th day of August 2006 at 11 am prompt,prompt to transact the following business: AGENDA ORDINARY BUSINESS 1. To receive the Report of the Directors, the Balance Sheet as at 30th April 2006, together with the Profit and Loss Account for the year ended on that date and Report of the Auditors thereon. 2. To re-elect/elect Directors 3. To authorise the Directors to fix the remuneration of the Auditors 4. To re-elect/elect the members of the Audit Committee. SPECIAL BUSINESS A. To consider and if thought fit to pass the following as an ordinary resolution ; 5. That the remuneration of Directors be and is hereby approved. B. To consider and if thought fit to pass the following special resolutions; 6. -
Background to Environmental Degradation in Ogoniland
Background to Environmental Degradation in Ogoniland An Ogoni woman draws water from an open well. With a rich and diverse culture, the Ogoni have lived in the Niger Delta for hundreds of years © UNEP UNEP ENVIRONMENTAL ASSESSMENT OF OGONILAND Agbada Formation and Akata Formation. The Background to Benin Formation is comprised of multiple layers Environmental of clay, sand, conglomerate, peat and/or lignite, all of variable thickness and texture and covered by Degradation in overburden soil. Clay beds are discontinuous and groundwater is therefore present both as localized Ogoniland aquifers or in hydraulically interconnected aquifers. The ground characteristics are consistent Ogoniland is characterized by typically deltaic with deltaic environments, where erosion and features: uneven terrain, numerous creeks, shallow deposition of sediments constantly shift the course brackish water bodies and a variety of vegetation of channels, tributaries and creeks. types including swamp forest. The following section describes in detail Ogoniland’s environmental Groundwater setting and oil industry operations. Ogoniland’s aquifers are a crucial resource upon 2.1 Environmental setting in which the region’s entire population depends for Ogoniland and the Niger Delta drinking water. The protection of these aquifers is therefore vital. These aquifers are very shallow, with Geology the top-most groundwater levels occuring anywhere between close to the surface and a depth of 10 The Niger Delta is the product of both fluvial metres. To tap the aquifers, Ogoni communities and marine sediment build-up since the upper typically construct open, hand-dug wells about Cretaceous period, some 50 million years ago. 60 cm in diameter and water is abstracted either Over time, up to 12,000 metres of shallow manually or with pumps. -
Nigeria Hosts 1St National Financial Literacy Stakeholders' Conference in Abuja
Nigeria hosts 1st National Financial Literacy Stakeholders’ Conference in Abuja Inside this Issue Financial Literacy Conference 1-2 National Financial inclusion Governing 3-4 Committee meetings Spotlight 5 Insurance Sector 6 Capital market 7 Mrs. Aishah Ahmad—Deputy Governor, Financial System Stability, Central Bank of Nigeria with other Photorama 8-9 dignitaries at the launch of the policy documents during the Conference. The 1st National Financial Literacy governmental organizations., civil socie- Stakeholder En- Stakeholder’s Conference was held on ty organizations, and consumer advoca- 10-11 gagements 17th and 18th January 2019 at Shera- cy groups, amongst others. Over 600 ton Hotel and Towers Abuja. The Confer- persons attended the Conference. Special Interventions ence was organized by the Consumer 12-13 The highpoint of the conference was Protection Department (CPD) of the Cen- the formal launch of the following four tral bank of Nigeria (CBN) in collabora- strategic policy documents: Financial tion with the Financial Inclusion Secre- 14 Literacy tariat (FIS) and the Payment Systems Consumer Protection Framework Management Department (PSMD). (CPF) Digital Financial The theme was “Implementing Financial National Financial Literacy Frame- Inclusion 15 Literacy and Consumer Protection to work (NFLF) advance Financial Inclusion in Nigeria”. Nigerian Financial Financial Education Strategy (FES) Inclusion News 16 In attendance were participants and and stakeholders with roles and interest in Revised National Financial Inclu- International Finan- financial literacy, consumer protection 17 sion Strategy (NFIS). cial Inclusion News and financial inclusion. This included regulators and policy making agencies Mrs. Aishah Ahmad, Deputy Governor, Financial System Stability (FSS) of the Capacity Building 18 within the financial ecosystem, banks and other financial institutions, insur- CBN delivered the keynote address on behalf of the Governor of the CBN, Mr. -
Does the Greater Port Harcourt Master Plan 2008 Meet Aspirations for Liveable City?
Ede et al., Greater Port Harcourt Master Plan 2008, 47th ISOCARP Congress 2011 Does the Greater Port Harcourt Master Plan 2008 meet Aspirations for Liveable City? By Precious N. Ede, Opuenebo B. Owei and Chimbiko Iche Akarolo In 2007 the government of Rivers State, Nigeria contracted a South African firm to produce a master plan for a new city called Greater Port Harcourt to be situated in the outskirts of the old city. The Greater Port Harcourt Master Plan 2008 is here examined in the context of current thinking as to whether it has credentials that meet aspirations for modern liveable cities. The new city plan assumes that Port Harcourt will continue to grow at its current rate so there is need to respond pro-actively to the reality of meeting cogent challenges. The infrastructure to be provided must be sustainable, that is, there should be continuity of effective service delivery by operators, by way of renewal, upgrading and expansion to cope with the city growth. Provision of services will be private sector driven, while government is politically ready to amend laws, regulations and policies to create an enabling environment for private sector to thrive in driving the development initiatives. The plan provides a long-term vision for the city based on sustainability: social, economic and political equity. Sustainability is hinged on continual improvement based on accountability, transparency and good governance. The master plan aims at a development that positively encourages the creation of a mixed community of 350,000 housing units, initially. The energy infrastructure utilizes the natural resources in the region such as natural gas for powering turbines and providing domestic fuel, with a little solar power. -
Preventing Election Violence in Rivers State
THE FUND FOR PEACE PARTNERSHIPS INITATIVE IN THE NIGER DELTA NIGER DELTA PARTNERSHIP INITIATIVE Time is of the Essence: Preventing Election Violence in Rivers State Special Issue Briefing: August 2018 Rivers recorded the highest number of reported insecurity specific to each senatorial district going fatalities within the Niger Delta in 2015 and was into 2019. sustained in 2016, with fatalities in the state finally decreasing in 2017. Rise of Political Violence in Rivers Prior to the 2011 election cycle, Rivers had few As gubernatorial candidates vie for control of reports of political violence. The Peoples Rivers in 2019, ongoing grievances within each of Democratic Party (PDP) was the only viable the state’s three senatorial districts -- Rivers South political party then and political competition was -East, Rivers West, and Rivers East -- will likely fuel relatively low. In the intervening years leading up violence. The senatorial zoning system has to the 2015 elections, support for the All increased perceptions of group marginalization Progressives Congress (APC) emerged, and it within certain communities, which could be a key became a somewhat viable opposition to the PDP Rivers State, Nigeria driver of election violence. in the state. A spike in political and election- Politics in the Niger Delta has often been related violence during the 2015 elections was the This report examines the senatorial zoning system characterized as high stakes issue and contest outcome of this opposition. in Rivers and outlines the challenges and drivers of between personalities as much as it is between their platforms. Election cycles in Rivers State have recently been marred by violence, especially Political Violence in Rivers State during gubernatorial and local contests. -
Youth Militias, Self Determination and Resource Control Struggles in the Niger-Delta Region of Nigeria
YOUTH MILITIAS, SELF DETERMINATION AND RESOURCE CONTROL STRUGGLES IN THE NIGER-DELTA REGION OF NIGERIA By: Prof. Eghosa Osaghae Dr Augustine Ikelegbe Dr Omobolaji Olarinmoye Mr. Steven Okhonmina August 2007 1 YOUTH MILITIAS, RESOURCE CONTROL AND SELF DETERMINATION STRUGGLES IN THE NIGER DELTA REGION OF NIGERIA INTRODUCTION The Niger Delta region, Nigeria's oil belt has been the site of a generalized ethnic and regional struggle for self-determination since 1998, the location of often-violent confrontations between local ethnic communities and agents of the Nigerian state and oil companies involved in the extraction and exploitation of oil in the area. What began as community agitation has undoubtedly undergone several transformations. The first involved the flowering of civil society, which mobilized a popular civil struggle. The second saw the extension of the agitation from that against multinational oil companies (MNCs) to include the Nigerian state. The third transformation involved the elevation of the agitation from purely developmental issues to overtly political demands such as restructuring of the federal system, resource control and the resolution of the national question through a conference of ethnic nationalities. The current and fourth stage of the transformation has seen the entrance of youths, youth militancy and youth militias with volatile demands and ultimatums that have accentuated the scale and intensity of confrontations and violence with the multinationals and the state. The youths presently spearhead and constitute the vanguard of Niger-delta conflict nationalists. They chart the course of methods, tactics and strategies and define the momentum, vitality, vocalization and diction of conflicts. The insurgency has involved diverse well armed and fairly well trained youth militias, which, using speed boats and operating fairly freely in the swamps, creeks, estuaries, rivers and coastal areas of the region, have engaged the Nigerian military and seized oil facilities, ships barges, workers and equipments. -
Diamond Bank Plc Consolidated and Seperate
DIAMOND BANK PLC CONSOLIDATED AND SEPERATE FINANCIAL STATEMENTS FOR THE QUARTER ENDED 31 MARCH 2018 Directors, officers and professional advisors Directors Dr. Chris Ogbechie Chairman Mr. Uzoma Dozie Group Managing Director/Chief Executive Officer Mrs. Caroline Anyanwu Deputy Managing Director Mrs Chizoma Okoli Executive Director Mr. Chiugo Ndubisi Executive Director/Chief Financial Officer Mr. Rotimi Oyekanmi Independent Director Mr. Kabir Alkali Mohammed Non-executive Director Mr Damian Dolland Non-executive Director Mrs Juliet Anammah Non-executive Director Mr. Dele Babade Non-executive Director Mr. Christopher Ubosi Non-executive Director Mrs. Aisha Oyebode Non-executive Director Company Secretary Uzoma Uja Company Secretary/Legal Adviser Corporate Head Office Diamond Bank Plc PGD's Place, Plot 4, Block V, BIS Way Oniru Estate, Victoria Island, Lagos. Telephone: +234 1 2701500 +234 1 2620740-9 Email: [email protected] Website: www.diamondbank.com Independent Auditors KPMG Professional Services KPMG Tower, Bishop Aboyade Cole Street, Victoria Island, Lagos Telephone: +234 271 8955 Website: www.ng.kpmg.com Registrars Centurion Registrars Limited 33c Cameron Road Ikoyi Lagos. Telephone: +234 704 535 5922 Diamond Bank Plc and Subsidiary Companies 31 March 2018 DIAMOND BANK PLC STATEMENT OF SIGNIFICANT ACCOUNTING POLICIES As at 31st March 2018 1. Reporting Entity Diamond Bank Plc (the "Bank") was incorporated in Nigeria as a private limited liability company on 20 December 1990. In February 2005, following a highly successful private placement share offer which substantially raised the Bank's equity base, Diamond Bank became a public limited liability company. The address of its corporate office is PGD's Place, Plot 4, Block V,BIS Way, Oniru Estate, Lekki, Lagos. -
Bank Directory Page 1 S/N Name Staff Staff Position Address Website 1
Bank Directory S/N Name Staff Staff Position Address Website 1 Central Bank Of Nigeria Mr. Godwin Emefiele, Governor Central Business District, Garki, www.cbn.gov.ng HCIB Abuja 2 Nigeria Deposit Insurance Alhaji Umaru Ibrahim, MNI, Managing Plot 447/448, Constitution http://ndic.org.ng/ Corporation FCIB Director/Chief Avenue, Central Business Executive District, Garki, Abuja 3 Access Bank PLC Mr. Herbert Wigwe, FCA Group Managing 1665, Oyin Jolayemi Street, www.accessbankplc.com Director/Chief Victoria Island, Lagos Executive 4 Diamond Bank PLC Mr. Uzoma Dozie, FCIB Group Managing Plot 1261 Adeola Hopewell www.diamondbank.com Director/Chief Street, Victoria Island, Lagos, Executive Lagos , 5 Ecobank Nigeria PLC Mr. Patrick Akinwuntan Group Managing Plot 21, Ahmadu Bello Way, www.ecobank.com Director/Chief Victoria Island, Lagos Executive 6 First City Monument Bank PLC Mr. Adam Nuru Managing Primrose Towers, 6-10 www.fcmb.com Director/Chief Floors ,17A, Tinubu Square, Executive Officer Lagos 7 Fidelity Bank PLC Nnamdi J. Okonkwo Managing 2, Kofo Abayomi Street, Victoria www.fidelitybankplc.com Director/Chief Island, Lagos Executive 8 First Bank Of Nigeria Limited Dr. Adesola Kazeem Group Managing 35, Marina, Lagos www.firstbanknigeria.com Adeduntan, FCA Director/Chief Executive Officer 9 Guaranty Trust Bank PLC (GT Bank) Mr. Olusegun Agbaje, Managing Plot 1669, Oyin Jolayemi Street, www.gtbplc.com HCIB Director/Chief Victoria Island, Lagos Executive 10 Citibank Nigeria Limited Mr. Akin Dawodu MD/CEO Charles S. Sankey House,27 www.citigroup.com Kofo Abayomi Street, Victoria Island, Lagos 11 Keystone Bank LTD Mr. Hafiz Olalade Bakare Managing 1, Keystone Bank Crescent, www.keystonebankng.com Director/Chief Victoria Island Executive Page 1 Bank Directory 12 Polaris Bank PLC Mr. -
Financial Inclusion Newsletter June 2018
Deputy Governor, Financial System Stability charges stakeholders to sustain commitment to the Financial Inclusion agenda Inside this issue: Cover Story 1 National Financial Inclu- 2-3 sion Governing Commit- tee meetings Critique Workshop on the 4 Draft NFIS Refresh Spotlight: NYSC Peer 5-6 Educator Programme for Financial Inclusion Knowledge Exchange 7-8 Photorama 9 Stakeholder Engage- 10-11 DG, FSS—Mrs. Aishah Ahmad chairing the 14th National Financial Inclusion ments Technical Committee meeting, in Abuja Financial Literacy 12 The Chairperson, National Financial inclu- She reminded members of their critical Credit Enhancement 13 sion Technical Committee (NFITC), Mrs. roles in delivering the 80% financial in- Digital Financial Inclu- 14 Aishah Ahmad - Deputy Governor, Finan- clusion target by 2020, particularly in sion cial System Stability (DG, FSS), formally view of EFInA‘s biennial report which assumed leadership of the Committee at showed 58.4% financial inclusion rate, Closing the Financial 15-16 its 14th meeting held on Thursday, June as at 2016. She noted that a lot of Inclusion Gender Gap 21st, 2018 at the Central Bank of Nigeria grounds were still to be covered consid- (CBN) Headquarters in Abuja. Nigerian Financial Inclu- 17 ering the country‘s demographics which sion News popped out adults yearly. Mrs. Ahmad commended the former International Financial 18 Chairperson, Dr. Joseph Okwu Nnanna The Deputy Governor stated that despite Inclusion News (now Deputy Governor, Economic Policy, the challenges, achieving the set finan- CBN), for successfully piloting the affairs cial Inclusion target was possible and National Dialogue on 19 of the Committee to the level where it required a strong will, sustained commit- bridging the Humanitari- was. -
REVENUE MAY 2021.Cdr
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Influence of Marketing on Customers' Satisfaction In
INFLUENCE OF MARKETING ON CUSTOMERS’ SATISFACTION IN THE BANKING INDUSTRY IN KADUNA STATE, NIGERIA BY Isah PETER DEPARTMENT OF VOCATIONAL AND TECHINCAL EDUCATION, AHMADU BELLO UNVERSITY, ZARIA NIGERIA MAY, 2015 Title INFLUENCE OF MARKETING ON CUSTOMERS’ SATISFACTION IN THE BANKING INDUSTRY IN KADUNA STATE, NIGERIA BY Isah PETER B.ED (Business Education) Ahmadu Bello University 2000 M.ED/EDUC/5134/2009-2010 A THESIS SUBMITTED TO THE SCHOOL OF POSTGRADUATE STUDIES, AHMADU BELLO UNIVERSITY, ZARIA IN PARTIAL FULFILLMENT OF THE REQUIREMENTS FOR THE AWARD OF A MASTER DEGREE IN BUSINESS EDUCATION DEPARTMENT OF VOCATIONAL AND TECHINCAL EDUCATION, AHMADU BELLO UNVERSITY, ZARIA NIGERIA MAY, 2015 ii Declaration I declare that the work in this thesis entitled “Influence of Marketing on Customers‟ Satisfaction in the Banking Industry in Kaduna state, Nigeria” has been carried out by me in the Department of Vocational and Technical Education. The information derived from the literature has been duly acknowledged in the text and a list of references provided. No part of this thesis was previously presented for another degree at this or any other institution. Isah, PETER ____________ _________ Signature Date iii Certification This thesis titled “Influence Of Marketing On Customers Satisfaction In The Banking Industry In Kaduna State, Nigeria” written by Isah Peter meets the regulations governing the award of the degree of M.Ed Business Education of Ahmadu Bello University, Zaria and is approved for its contribution to knowledge and literary presentation. ______________ __________ Prof. A.A. Udoh Date Chairman, Supervisory Committee _______________ __________ Dr. R.T. Umar Date Member, Supervisory Committee _________________ __________ Prof.