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Ecobank Nigeria Plc Annual Report RC No: 89773 2010
15:27 The Ecobank Network
2 Ecobank Nigeria Annual Report 2010 Ecobank Nigeria branches
Head Office Branch Plot 21, Ahmadu Bello Way - P.O. Box 72688, Victoria Island - Lagos - NIGERIA Tel: (234) 1 2710391/5 - Fax: (228) 221 51 19
CROSS RIVER / AKWA IBOM Abak Netpost Ogboefere Market NO 1 Ikot Ekpene Road Abak Tel.: (234) 806 099 7484/704 145 0365; CROSS RIVER STATE Tel.: (234) 07041450461 (234) 803 387 1772/704 145 0254 Old Market Road Calabar II EAST 24 Old Market Road, Onitsha 15, Murtala Mohammed Highway, Tel.: (234) 704 145 0386/704 145 0171 Calabar ABIA STATE Williams Tel.: (234) 803 720 4656/805 839 9981 7 William Street, Onitsha Mary Slessor Factory Road, Aba. Tel.: (234) 704 145 0366/803 335 7444; 12 Mary Slessor Avenue, Calabar No. 1, Factory Road, Aba. (234) 704 145 0907 Tel.: (234) 87 290 474/704 145 0474 Tel.: (234) 07041450398/07041450400 Obudu Ekeoha ENUGU STATE No. 2 Government Station Ranch Road, Ekeoha Shopping Complex, Obudu Ehi/Asa Road, Aba Okpara Avenue I Tel.: (234) 708 987 7826/803 418 6012 Tel.: (234) 704 145 0389; 704 145 0415 31A Okpara Avenue, Enugu Ogoja Govt. Station Layout, Umuahia Tel.: 234) 704 145 0381/704 145 0170; 19 MLA Hospital Road Igoli Ogoja Plot 110 Govt. Station Layout, Umuahia (234) 42 290 578/704 145 0380 Tel.: (234) 08037134913/08028363500 Tel.: (234) 704 145 0411/704 145 0225 Okpara Avenue II Ikom Faulks Road Aba 20B Okpara Avenue, Enugu 72 Calabar Road, Four Corner, Ikom 187 FAULKS ROAD,ABA ABIA-STATE Tel.: (234) 704 145 0208/704 145 0361 Tel.: (234) 08123803975/08088947092 Tel.: (234) 082290476/07041450096 Tinapa Ngwa Road IMO STATE Shop B9, Tinapa Business Resort, Tinapa, 22A Ngwa Road, Aba Calabar Tel.: (234) 082290478/07041450261 Okigwe Road Tel.: (234) 07041450460/087290473 Old GRA, Aba 13C Okigwe Road, Owerri Plot 44, Old GRA, Aba-Owerri Road, Aba, Tel.: (234) 704 145 0271/83 430 472 AKWA IBOM STATE Tel.: (234) 704 145 0136/704 145 0405 Douglas Road Owerri 59 Douglas Road Owerri Nung Udoe ANAMBRA STATE 083430473 & 083430474 12 Uyo Road, Nung Udoe, Ibesikpo Tel.: (234) 704 145 0274/08030976015 Awka Main EBONYI STATE Oron Abuja Estate, Opp. Anambra State Govt 104 Oron Road, Oron House, Enugu-Onitsha Expressway, Awka Abakaliki Tel.: (234) 08033582389/08085360009 Tel.: (234) 704 145 0379; 806 040 8548; 11 Sam Egwu Way, Abakaliki Uyo Oron Road (234) 704 145 0175 Tel.: (234) 08063659010/08020523482 92 Oron Road Uyo Bridge Head Tel.: (234) 07041450472/07041450259 24 Port Harcourt Road, Bridge Head, CASH CENTERS Uyo Barracks Road Onitsha 74 Barracks Road, Uyo Tel.: (234) 704 145 0364/704 145 0209 Kenyatta Cash Office Tel.: (234) 08023122308/07041450695 Fegge 20B Amawbia Street, Uwani, Kenyatta, EKET/QIT 33/35 Uga Street, Fegge Onitsha Enugu Qua Iboe Terminal-QIT - IBUNO Tel.: (234) 803 564 8908/704 145 0383; Tel.: (234) 42 290 576/704 145 0360 Tel.: (234) 08023512886/0802919980 (234) 808 583 9651/704 145 0137 Umuokpu Cash Center Cash center New Market Road TIMBER MARKET AWKA Air Tel Implant 27 New Market Road, Onitsha Tel.: (234) 07041450367 88, Eket/Oron Road AKWA IBOM STATE Tel.: (234) 704 145 0172/46 280 476 Concorde Cash Centre Tel.: (234) 08064437638 Nkpor Concorde Hotel Owerri Eket Cash Center 43 New Market Road, Nkpor Tel.: (234) 07041450397/ 07041450271 56 Hosiptal Road Eket Tel.: (234) 046-280478/07041450094 Ogbete Cash Centre Tel.: (234) 07041450276/08029199808 Nnewi I Main Market, Enugu Micheal Ani Secretariat Cash Centre 2, Edo-Ezemewi Road, Uruagu Nnewi Tel.: (234) 704 145 0368 Micheal Ani Secretariat, Tel.: (234) 704 145 0098/704 145 0362 Eziukwu Cash Centre Tel.: (234) 087290474/07041450462 Nnewi II Eziukwu Road, Aba NACA No. 3 Edo Ezemewi Road, Nnewi 07041450415 NACA - University Of Uyo Tel.: (234) 803 396 4248/704 145 0174 Tel.: (234) 07041450464
Ecobank Nigeria Report 2010 3 Ecobank Nigeria branches (continued)
UNEC NACA Akpakpava Adeola Odeku 49 Akpakpava Road, Benin City 54 Adeola Odeku Street,Victoria Island, University of Nigeria Enugu Campus, Tel.: (234) 704 145 0044/52 291 533 Lagos Enugu New Lagos Road Tel.: (234) 1 2714170/2714174 Tel.: (234) 704 145 0370 3 New Lagos Road, Benin City Ahmadu Bello Way Awka Netpost Tel.: (234) 704 145 0506/52 291 536 Plot 21, Ahmadu Bello Way, 209 Ziks Avenue, NIPOST Building, Awka Ramat Park Victoria Island Tel.: (234) 07041450369 3 Ikpoba Hill Layout, Ramat Park, Benin Tel.: (234) 1 270 6986/1 454 5949 Ohafia Netpost, Ebel City Akin Adesola Arochukwu Road, Ohafia Tel.: (234) 52 291 535/704 145 0505 25 Akin Adesola Street, Victoria Island. Tel.: (234) 07041450393 Uselu Lagos Tel.: (234) 01-2798054/01-2798053 Nigerian Bottling Company - NBC 94 Uselu Lagos Road, Uselu, Benin City, Depot Implant Tel.: (234) 07041450514/07041450150 Bishop Aboyade Cole Port Harcourt Road, Aba Plot 3 Bishop Aboyade Cole Street, Tel.: (234) 07041450391 CASH CENTER Victoria Island. Tel.: (234) 07041450252/01 4547075 Promasidor implant No. 80 Limca Road, Nkpor old Road. Ugbowo Netpost Ajose Adeogun Onitsha. Ugbowo Post Office, Opp. University of 2 Ajose Adeogun Street, Victoria Island Benin Main Gate, Ugbowo, Benin City. Tel.: (234) 1 454 5962/1 271 9373 EDO / DELTA Tel.: (234) 704 145 0507 Alaba Agudosi Deco Road Cash Centre, DSC Aladja. 1 Agudosi Street, Alaba International Market, Ojo, Alaba, Lagos DELTA STATE Delta Steel Company DSC Aladja. Tel.: (234) 070414150503 Tel.: (234) 1 454 6531/704 145 0492; (234) 704 145 0188 Warri Effurun Creek Road 102 Effurun/Sapele Road Effurun LAGOS No. 4 Creek Road, Apapa Tel.: (234) 07041450508/07041450063 Tel.: (234) 704 145 0118/704 145 0624 Asaba - Anwai Road Daleko Olodi Apapa 45, Anwai Dual Carriage Way, Asaba 812/813, Bank Road, Daleko Plot 17 Apapa Oshodi Express Way Tel.: (234) 704 145 0179/704 145 0763 Market,Iyana Isolo Tel.: (234) 01-4544750/078041450191 Apapa Eku House Branch Tel.: (234) 07041450498/07041450146 No. 6 Effurrun / Warri Road, Enerhen Maza-Maza Herbert Macaulay-Sabo Junction,Warri 13, Old Ojo Road, Maza-Maza 302, Herbert Macaulay Road, Sabo, Tel.: (234) 704 145 0518/704 372 0094 Tel.: (234) 07041450119/07041450491 Ikoyi Yaba, Nnebisi Road Tel.: (234) 01-4544844/07041450633 258 Nnebisi Road, Asaba 67 Awolowo Road Ikoyi Lagos Coker Tel.: (234) 704 145 0527/704 145 0528 Tel.: (234) 01-2700787/014547035 KM 85 Lagos Badagry Express Way, Warri Deco Oyin Jolayemi Plot 1675, Oyin Jolayemi Street, Victoria Coker Lagos 39 DECO ROAD WARRI Tel.: (234) 07041450296, 07041450479 Tel.: (234) 07041450523/07041450762 Island Tel.: (234) 01-2710881/01-2710880 ORILE Sapele-Amikpe Alaba-Ojo Igbede Marshall Plaza Building off balogun 129, Sapele / Warri Road, Ajogodo street Coker, Sapele Alaba Int'l Mkt, Ojo Igbede Road Alaba Enu-Owa Tel.: (234) 704 145 0526/808 718 0235 Tel.: (234) 08053309404/07041450147 37/43 Enu-Owa Street, Off Adeniji- WRPC Orile Agric Market Agric Market, Lagos-Badagry Expressway Adele, Idumota, Lagos Island Warri Refinery and Petrochemical Tel.: (234) 704 145 0204/704 145 0625 Complex, Ekpan-Warri Tel.: (234) 08030601072/ 07041450268 Gbagada Tel.: (234) 808 313 2293/704 145 0530 Isheri 228 Gbagada Residential Scheme, ABRAKA DELSU 420 Oba Ogunnusi Road Ojodu Berger Lagos Gbagada Oshodi Expressway, Lagos Delta State University, Abraka Campus Tel.: (234) 704 145 0692/704 145 0701 Tel.: (234) 07041450516/07041450117 Tel.: (234) 07041450642 /08020523549 Ilupeju Idumagbo 74 Iga-Idunganran Street, Idumagbo, EDO STATE 1 Bank Lane ,Ilupeju Lagos Tel.: (234) 08023000654/07041450808 Lagos Island Tel.: (234) 704 145 0053/704 145 0607 Adeniran Ogunsanya Ekpoma Ikorodu Road 62 Royal Market Road, Ekpoma, 60, Adeniran Ogunsanya Street, Surulere Tel.: (234) 1 454 3776/1 454 4763 322A, Ikorodu Road, Anthony Village Tel.: (234) 7041450519/08057400487 Tel.: (234) 1 454 5840/704 145 0686 Auchi Adeniyi Jones 35 Auchi Polytechnic Road, Auchi 84, Adeniyi Jones, Ikeja Tel.: (234) 704 145 0256/802 335 0518 Tel.: (234) 1 454 4695/704 145 0655
4 Ecobank Nigeria Annual Report 2010 Ladipo Ogba Ikorodu Road, 21, Akinwunmi Street, Aguyi Ironsi 21 Ijaiye Road Ogba Aguda Lagos Ketu 487, Ikorodu Road , Ketu Bus- Stop, Shopping Plaza, Mushin Tel.: (234) 01 4545837/07041450688 Ketu Tel.: (234) 1 454 8359 Balogun Business Association (BBA) Tel.: (234) 08034037786/ 07041450183 Matori Atiku Abubakar Hall Ikeja- Intl Airport 97 Ladipo Street, Matori Trade Fair Complex Ojo, D' Arrival Hall, Murtala Muhammed Int'l Tel.: (234) 01-4544420/07041450670 Tel.: (234) 01 4547033/07041450488 Airport, Ikeja Lagos Ogudu Ashogbon Tel.: (234) 07041450145/1-4545003 114 Ogudu Road, Ojota NO 10 ,Ashogbon Street, Idumota, Lagos Airport Road Tel.: (234) 1 454 4699/704 145 0678 Tel.: (234) 08033059035/07041450281 No. 14 Int'l Airport Road, Mafoluku Ojuelegba (234) 07041450628 Oshodi, Lagos 30/32, Ojuelegba Road, Yaba Oyingbo Tel.: (234) 014545844 /07041450154 Tel.: (234) 1 454 4930/704 145 0230 NO 22, Herbert Macaulay St, Oyingbo IRE-AKARI Okeafa Tel.: (234) 07041450606/ 08087180386 1A, Ire-Akari Estate Road, Isolo 6, Egbe Road, Okeafa, Isolo Lagos (234) 7041450223 Tel.: (234) 1-4544996 / 07041450640 Tel.: (234) 704 145 0680/1 454 5839 Point Road Oke-Arin NO,1B Point Road, Polysonic Mall, Apapa CASH CENTER No. 7 Sanusi Olusi Street, Oke-Arin, Tel.: (234) 07041450608/07041450193 Lagos Island Broad Street 1, TELLER IMPLANT. Tel.: (234) 704 145 0269/704 145 0630 No. 130, Broad Street , Lagos Isand, Herbert-Macaulay- Sabo Okota Tel.: (234) 07041450616/ 08020523483 Corporate Affairs Commission. Aje Str 99B, Okota Road, Isolo-Okota (234) 08038170067 Tel.: (234) 07041450634/07041450201 Tel.: (234) 1 454 5841/803 346 3229 Broad Street 2, Apongbon Wharf Road Apapa Custom House, St. Patrick I No. 137/139, Broad Street, Lagos Tincan Port Apapa St. Patrick Junction, Alaba International Tel.: (234) 07041450620/07041450227 Tel.: (234) 07041450613/ 07086458041 Market, Ojo Nnamdi Azikwe (234) 07041450186 Tel.: (234) 704 145 0571/1 418 2989 No. 100, Nnmadi Azikwe Street, Psychiatric Hospital Yaba St. Patrick II Idumota Tel.: (234) 07041450654/07041450230 3A Ojo-Igbede Road Alaba Tel.: (234) 07041450632/ 08033015089 Comfort Oil And Vegetable Implant Tel.: (234) 704 145 0247/1 454 7031 (234) 07041450220 LASU Igando Road Lagos Seme Border Int’l Trade Fair (Aspamda) Tel.: (234) 08033093755/07041450191 No. 3 Bank Avenue, Behind First Bank, Olusegun Obasanjo Hall, ASPAMDA Qatar Implant Seme Border Tel.: (234) 01-4546489/07041450496 21,Ahmadu Bello Way Branch V/I Lagos Tel.: (234) 805 675 0265/704 145 0248 Ikota Tel.: (234) 07041450580 /08020523745 Tafawa Balewa Square Road 2, Ikota Shopping Complex Qatar Implant 39/40B Tafawa Balewa Square, Race Branch, Lekki - Lagos Murtala Muhammed Int'l Airport, Course, Onikan, Lagos Island Tel.: (234) 07041450575/01-4545875. Ikeja Lagos Tel.: (234) 1 454 4950/704 145 0717 Chevron Tel.: (234) 07041450580/08020523745 UNILAG KM 18, Lekki epe Expressway, Five Star Travel Bookshop Building, University of Lagos, Lekki – Lagos Falomo Shopping Complex Ikoyi Lagos. Akoka Tel.: (234) (1)4545867/07041450597 Tel.: (234) 07041450602 /07041450226 Tel.: (234) 1 454 5836/704 145 0800 Idi Oro, Mushin Royal Air Maroc Teller Implant Warehouse Road I 118, Agege Motor Road, Idi oro, Mushin Tettrazini Building, Akin Adesola Street, 2 Warehouse Road, Apapa Tel.: (234) 01-4548635/07086458037 Victoria Island, LAGOS Tel.: (234) 704 145 0622/704 145 0764 Eleganza Shopping Mall Tel.: (234) 07041450598/07041450190 Warehouse II Km 22 Lekki Epe Express Way, Opposite 42/44 Warehouse Road, Apapa VGC Lekki Lagos CASH CENTER Tel.: (234) 704 145 0092/1 454 5005 Tel.: (234) 07041450151/07041450601 Wharf Road Ijaiye Festac Dedicated Center 13/15, Wharf Road, Apapa 572, Lagos-Abeokuta Expressway Ijaiye, 5th Avenue By G Close Festac Town Tel.: (234) 708 645 8041/1 454 4849 Tel.: (234) 08057780868/07041450076 Tel.: (234) 07041450481/014547076 Festac Allen Avenue Berger Cash Center HOUSE 22, 2nd Avenue Festac Town, 94 Allen Avenue Road, Ikeja, Lagos MC 1 Motor Park, Berger Under Bridge Tel.: (234) 07041450487/07041450106 Tel.: (234) 014544753/07041450130 Tel.: (234) 704 145 0498/704 145 0483 Ligali Ayorinde GRA Ojota Cash Centre 2B Ligali Ayorinde Street, Victoria Island 8, Joel Ogunnaike Street, GRA Ikeja Lagos Ojota New Garage, Ojota Tel.: (234) 01-280 5192/01-280 5035 Tel.: (234) 08033256373/07041450205 Tel.: (234)704 145 0582 Oba Akran Allen Avenue 2 19A, Oba Akran Avenue Ikeja. 2 Allen Avenue Road, Ikeja Lagos Tel.: (234) 01-4544698/07041450169 Tel.: (234) 08022489090/ 07041450719
Ecobank Nigeria Report 2010 5 Ecobank Nigeria branches (continued)
Oko Oba Cash Center Kaduna GOMBE STATE 2 Old Abeokuta Road Abattoir Oko Oba Tel.: (234) 07041450078/07041450315 Agege Gombe Branch Tel.: (234) 07041450876/07041450039 KANO STATE 20/21 New Market Road, Commercial (234) 08023125317 Area. NAHCO Cash Centre Kano Bello Road Tel.: (234) 08036067371/08036491953 International Airport Road Lagos 11E Bello Road, Kano Tel.: (234) 07028444876/07041450154 Tel.: (234) 704 298 2560/704 145 0080 SOKOTO STATE Bonny Camp France Road Bonny Camp Ahmadu Bello way Victoria 5 France Road, Kano Sokoto Main Island Tel.: 07041450052/07041450322 41,Kano Road, Sokoto Tel.: (234) 07041450580/08020523745 Murtala Mohammed Kano Tel.: (234) 703333-6869/7064757695 Wharf Road ApapaTincan Port. 13C Murtala Mohammed Way, KANO Apapa Lagos Ibrahim Taiwo Kano ABUJA Tel.: (234) 07041450613/07086458041 18, Ibrahim Taiwo Road, Kano (234) 07041450186 Le Meridien Ogba Dedicated Centre KATSINA STATE Ogba Shopping Arcade, Ogba Plot 903, Tafawa Balewa Way, Nicon Tel.: (234) 07041450647 /07041450130 Luxury Hotel, Garki, Area 11, Abuja Kofar Kaura (234) 08023044477 Tel.: (234) 09-2910261; 07041450352 IBB Way, Kofar Kaura, Katsina ECOWAS Tel.: (234) 704 145 0818/65 290 123 ECOWAS Commission, Plot 101 Yakubu NETPOST Gowon Crescent, Asokoro KEBBI STATE Tel.: (234) 09-2910260, 07041450351 Moloney Netpost Moloney Netpost Office Gwagwalada Kebbi State Tel.: (234) 07041450616/ 08020523483 7A Secretariat Road, Gwagwalada Plot 71, Ahmadu Bello Way, Birnin Kebbi (234) 08038170067 Tel.: (234) 9 291 0253/704 145 0334 Tel.: (234) 803 606 7230/805 273 1656 Ajegunle Netpost Nyanya Ajeromi Post Office, Ajegunle No. 20 Hospital Road, Area A, Nyanya, PLATEAU STATE Tel.: (234) 704 145 0498/704 145 0482 Abuja Tel.: (234) 704 145 0338-9/704 145 0040 Navy Town Netpost Jos Main Navy Town Post Office, Navy Town Garki 2 19 Ahmadu Bello Way Jos Tel.: (234) 07041450496/08020523542 769, Oka Akoko Close, Garki 2 Abuja Tel.: 07041450304/ 7041450931 Tel.: (234) 092910252/07041450331 Ahmadu Bello Way II NORTH OAGF No. 35 Ahmadu Bello Way, Jos Office of the Accountant General of the Tel.: (234) 73 290 725/704 145 0912 Federation (OAGF), JIGAWA STATE Treasury House, Opp. Old CBN, Samuel BAUCHI STATE Ladoke Akintola Boulevard, Garki II Dutse Tel.: (234) 802 333 4135/813 391 9019; Plot C2-RD/SS02 Layout, (234) 9 291 0249 Sani Abacha Way, Dutse Bauchi State No. 2, Abdulkadir Road / Bank Road, Wuse II Tel.: 708 645 8044/803 609 5396 Bauchi Plot 212A, Adetokunbo Ademola Cres- Tel.: (234) 803 589 3929/703 459 7844 cent, Zone 8A, Wuse II KADUNA STATE No. 7 Murtala Mohammed Way, Bauchi Tel.: (234) 9 291 0256/704 145 0636 Tel.: (234) 803 589 3929/703 459 7844 Wuse Zone IV Ahmadu Bello Way 2 Plot 2306 Suez Crescent, Wuse Zone IV 22 Ahmadu Bello Way, Opp. Ten Storey BENUE STATE Tel.: (234) 9 291 0254/704 145 0336 Building, Kaduna National Assembly Tel.: 704 372 0175/704 145 0320 Makurdi Basement white House, National As- Junction Road No. 87 Gboko Road, Makurdi sembly Complex, 3-Arms Zone. No. 4 Junction Road, Kaduna Tel.: (234) 803 7464162/8033371360 Tel.: (234) 09-2903985/07041450357 Tel.: (234) 62 290 775/704 145 0307 Deidei KRPC BORNO STATE C3 802 International Building Materials Kaduna Refinery Complex, KM 16 Kachia Market Deidei Abuja Road, Kaduna Tel.: (234) 09 2910259/07041450348 Tel.: (234) 62 290 775/704 145 0071 Maiduguri Branch, Kiri Kasama 2, (Adjacent CBN) Kiri Kasama Road, Maina Court Maiduguri, Plot 252a, Herbert Macaulay Way, Kaduna Ahmadu Bello way Tel.: (234) 76290521/76290522 Central Business District, Abuja. 6A Ahmadu Bello way Leventis Building. Tel.: (234) 09-2910262/07041450355
6 Ecobank Nigeria Annual Report 2010 Asokoro Okporo Road WEST Plot 67 Yakubu Gowon crescent Asokoro, 53 Okporo Road, Artillery, Port Harcourt Abuja Tel.: (234) 84 300 583/704 145 0436 EKITI STATE Tel.: (234) 07041450346/07041450347 Omoku Tofa House 78 Ahoada Road,Omoku Ado-Ekiti Tofa House, Plot 770, Central Business Tel.: (234) 803 372 6361/803 575 5417 33, New Secretariat Road, Ado-Ekiti District. ABUJA Oyigbo Mbano Junction Tel.: (234) 803 423 8470/808 718 0308 Tel.: (234) 07041450813 /07041450326 206 OLD Aba Road Mbano Junction. Area 8, Garki Tel.: (234) 08087180230/07041450417 OGUN STATE N0 4 Ogbomosho street, Off Tafawa Rebisi Mile 3 Balewa Way, Area 8, Garki 21B Amaigbo Road, Mile 3, Rebisi, Agbara Tel.: (234) 09 2910250/07041450325 Port Harcourt Plot 3 Ilaro Road, Agbara Industrial Tel.: (234) 84 300 587/704 145 0445 Estate, Agbara CASH CENTER PRPC Refinery Tel.: (234) 08033230673/01-4545838 Opp. Port Harcourt Refinery and Petro- (234) 07041450194 Bayero University Kano chemical Complex Gate, Alesa Eleme Ita-Eko NACA CENTER, Bayero University KANO Tel.: (234) 08087180230 Plot 4, Tinubu Street, Ita-Eko, Abeokuta NACA/Friendship Centre - Students (234) 0704 145 0440 Tel.: (234) 704 145 0910/704 145 0550 Hostel, Naraguta University of Jos RSUST Omida Tel.: (234) 704 145 0912 Rivers State University of Science and No. 75 Obafemi Awolowo Way, Omida, UNIABUJA NACA Technology, SUG Building, Nkpolu, Port Ibara, Abeokuta NACA Centre, University of Abuja Harcourt Tel.: (234) 704 145 0212/704 145 0547 Tel.: (234) 704 145 0328 Tel.: (234) 84 300 586/802 352 2231 Idiroko Road Trans Amadi Branch 237 Idiroko Rd, Opp de United Foods Ota RIVERS / BAYELSA 13/15 Trans Amadi Industrial Layout, Tel.: (234) 07041450643/ 07041450239 Port Harcourt RIVERS STATE Tel.: (234) 704 145 0242/708 645 8024 ONDO STATE
Aba Road 2 BAYELSA STATE Akure c/o 57 Aba Road, Port Harcourt 9, Owo Road, Alagbaka, Akure, Ondo Tel.: (234) 08020523574, 08033032272 Yenagoa I State Ahoada 106 Mbiama Yenagoa Road, Ovom, Tel.: (234) 704 145 0218/704 145 0545 3, Abua Road Ahoada Yenagoa Tel.: (234) 84 749 849/818 101 6168 Tel.: (234) 802 052 3578/807 461 3041 OSUN STATE Asei World Centre Yenagoa II 204B Mbiama Yenagoa Road, Amarata, 57 Aba Road Branch, Port Harcourt Osogbo Yenagoa Tel.: (234) 84 300 580/704 145 0430 KM 4, Gbonga/Ibadan Road, Onward Tel.: (234) 708 645 8032/803 671 4652 Bonny Area, Osogbo 10, New Road, Bonny Island Tel.: (234) 704 145 0066/704 145 0880 Tel.: (234) 803 531 0965/803 332 1332 CASH CENTER Eleme Petrochemical OYO STATE Eleme Expressway, By Eleme UNIPORT University of Port Harcourt Shopping Petrochemical Complex, Eleme Agodi Tel.: (234) 808 718 0319/84 300 584 Centre Complex, Choba Park, Choba, Port Harcourt Beside Inaolaji Shopping Complex, Fleet House Tel.: (234) 704 145 0431/703 324 9726 Agodi Gate, Ibadan Plot 105 Olu Obasanjo Road, Tel.: (234) 2 291 1528/704 145 0257 OYIGBO UMUEGBULE Cash center Port Harcourt NO 19 Umuebule Road OYIGBO Bodija Tel.: (234) 84 300 588/803 309 9284; 2 ETCHE LGA 2, Odeku Close, Opp. S.S. Peter & Paul (234) 803 309 8762 Tel.: 07041450419/084300577 Seminary, Bodija, Ibadan. Ikwerre I Tel.: (234) 704 145 0200/704 145 0551 PPMC Cash Centre 42 Ikwerre Road, Port Harcourt Trans Amadi - PPMC Area Office, Iwo Road Tel.: (234) 84 300 582/704 145 0434-5 Okrika Port Harcourt 122, Abayomi Bus Stop, Iwo Road, Ikwerre II Ibadan Onne Cash Centre 142 Ikwerre Road, Port Harcourt Tel.: (234) 2 291 1527/704 145 0199 Trans Amadi - NPA Marketing Building Tel.: (234) 704 145 0255/84 300 578 Onne Lebanon Mothercat 43, Lebanon Branch, Old Gbagi, Dugbe, PRESIDENTIAL Cash Office Plot 8 Trans Amadi Ind Layout Ibadan Trans amadi Presidential Hotel. Port Harcourt Tel.: (234) 2 291 1525/704 145 0133 Aba Road Port Harcourt Tel.: (234) 704 145 0250/708 645 8033
Ecobank Nigeria Report 2010 7 Ecobank Nigeria branches (continued)
New Court Road 24, New Court Road, Old Gbagi, Dugbe, Ibadan (234) 704 145 0090; (234) 2 291 1526 Okebola SW8/95A, Obafemi Awolowo Way, Okebola, Ibadan Tel.: (234) 2 291 1530/704 145 0245 Agodi Beside Inaolaji Shopping Complex, Opp. Old Yidi, Agodi, Ibadan Tel.: (234) 704 145 0543/704 145 0257
CASH CENTER
Otta Netpost POST Building, Iganmode Road Otta Tel.: (234) 07041450645/ 07041450239 Bodija Cash Centre JMR Motor’s Building, Bodija Market, Bodija, Ibadan. Tel.: (234) 704 145 0200/704 145 0534 OAU NACA Beside Student Union Building Obafemi Awolowo University, Ile Ife, Tel.: (234) 07041450531, 08035128319 Saki Netpost- Saki Netpost Building, Saki Tel.: (234) 08033886547 Sapon Netpost Abeokuta Netpost Building Abeokuta Tel.: (234) 07041450533
8 Ecobank Nigeria Annual Report 2010 OUR VISION To build a world class Pan-African Bank and to contribute to the economic and financial development of Africa.
OUR MISSION To provide our Retail and Wholesale customers with convenient, accessible and reliable banking and financial products and services.
Ecobank Nigeria Report 2010 9 Contents
11 Notice of Annual General Meeting (AGM) 12 Results at a Glance 13 Chairman’s Address 15 Directors, Professionals, Address 16 Report of the Directors 19 Profile of Directors 24 Corporate Governance 28 Statement of Directors’ Responsibilities 29 Report of the Audit Committee 30 Auditor’s Report 32 Statement of Accounting Policies 36 Profit and Loss Account 37 Balance Sheet 38 Statement of Cash Flows 39 Notes to the Financial Statements 59 Statement of Value Added 60 Five-Year Financial Summary 62 Risk Management Policy 84 Share Capital History 85 Board Evaluation Report 86 Senior management staff 91 Unclaimed Certificate(s) 98 Returned Warrants 111 Holding Company and Subsidiaries
10 Ecobank Nigeria Annual Report 2010 Notice of Annual General Meeting
NOTICE IS HEREBY GIVEN that the Twenty Third (23rd) PROXY: Annual General Meeting of Ecobank Nigeria Plc will be held at the Shell Hall, MUSON Centre, Onikan Lagos, on A member entitled to attend and vote at the meeting is Thursday June 23rd, 2011 at the hour of 11a.m. to entitled to appoint one or more proxies to attend and transact the following business: vote in his place. A proxy need not be a member of the company. AGENDA ORDINARY BUSINESS: A form of proxy is attached and if it is to be valid for the purpose of the meeting, it must be duly executed and 1. To receive and consider the Report of the Directors, deposited at the office of the Secretary, Plot 21 Ahmadu the Audited Financial Statements as at 31st December Bello Way, Victoria Island, Lagos and/or the Registrar at 2010, the Auditors Report thereon and the Audit 137/139 Broad Street (Ground Floor), Lagos not less Committee’s Report. than 48 hours before the meeting. 2. To re-elect Director(s) retiring by rotation. 3. To appoint the firm of Akintola Williams Deloitte as CLOSURE OF REGISTER independent auditors of the Company pursuant to the end of tenure of PricewaterhouseCoopers. For the purpose of attendance at the meeting the 4. To authorise Directors to fix the remuneration of the shareholders register shall close on June 1st, 2011. auditors 5. To elect members of the Audit Committee for the AUDIT COMMITTEE ensuing year. The Audit Committee usually consists of 3 shareholders SPECIAL BUSINESS: and 3 directors. In accordance with Section 359 (5) of the Companies and Allied Matters Act 1990, any To consider and if thought fit pass the following shareholder may nominate a shareholder for resolution: appointment to the Audit Committee. Such nomination 1. To approve the remuneration of non-Executive should be in writing and should reach the Company Directors for the 2011 financial year. Secretary at least 21 days before the Annual General Meeting.
The Central Bank of Nigeria in its Code of Corporate Governance for banks stipulates that some of the members of the Audit Committee should be knowledgeable in internal control processes, accounting BY ORDER OF THE BOARD: and financial matters.
Adenike Laoye Company Secretary Dated this 10th day of May 2011
Ecobank Nigeria Report 2010 11 Results at a glance
2010 2009 Change N'million N'million %
At year end Deposits 340,147 243,831 40 Loans, Leases and Advances 237,107 189,719 25 Shareholders Funds (Including Deposit for Shares) 74,320 73,534 1 Total Assets 454,239 355,662 28 Total Assets (Plus Contingents) 541,485 449 385 20
For the year Gross Earnings 58,313 59,864 (3) Interest Income 43,713 42,299 3 Interest Expense (15,159) (19,042) (20) Diminution in Assets Values (10,367) (16,094) (36) Overhead Expenses (30,521) (30,614) (0) Loss before tax and extra-ordinary item 2,120 (5,944) (136) (Loss)/Profit after tax and extra-ordinary item 1,619 (4,588) (135)
Other data Loss Per Share (Basic) 12 (64k) 1,1875 Loss Per Share (Diluted) 12 (33k) (1,3636) Number of Employees (Average) 2,776 3,052 (9) Branches/Business Outlets 256 256 -
12 Ecobank Nigeria Annual Report 2010 Chairman’s address
The Olor’ogun Sonny F. Kuku OFR Chairman
Distinguished shareholders, I am pleased to present to modest increase of 6% in our operating income from you the Financial Statements of our Bank for the year N40.76 billion in 2009 to N43.01 billion in 2010. ended December 31 2010. The Bank made good progress with the cost saving 2010 was a year of change and challenge in equal programs during the year with no increase in the measure. The main focus of the banking industry in operating costs in spite of a number of initiatives to 2010 following the “stress test” conducted by the CBN improve the Bank’s systems and processes. in 2009 was essentially to harness and reap the benefits of the significant reforms implemented by the Central Our profit before tax grew to N2.12 billion, which is Bank of Nigeria (CBN) with a view to reinforcing the indicative of improvement in performance given the loss stability of the banking industry. of N5.9 billion recorded in the previous year. Undoubtedly, the improved performance affirms that The reforms resulted in the establishment of the Asset our Bank can only continue to grow. Indeed our Management Corporation of Nigeria (AMCON) which fundamentals remain strong and we expect a better provided a viable opportunity for banks to resolve loan year ahead. losses for which substantial provisions were made in 2009. Capital Consequently, our Bank made significant progress in resolving loan losses by intensifying efforts on the You will recall that in 2009 the Bank had intended to recovery of loans and engaging the AMCON where increase its capital by way, amongst others, of Rights necessary. I am confident that greater progress will be Issue or Public Offer. However owing to the state of the made in 2011 to substantially eliminate the effect of capital market at the time, Rights Issue or Public Offer loan losses in our Bank. In this regard, we have and will could not be embarked upon. Accordingly, Ecobank continue to enhance our risk management processes. Transnational Incorporated (ETI), in order to provide needed capital at the time, by way of a Special Placing Therefore, I am pleased to report that we have had a injected the sum of N45.5 billion into the Bank which successful year with revenue and earnings showing increased its shareholding in the Bank to 85%. The resilience and underlying growth despite the adverse Board sought and obtained the approval of the Nigerian operating environment. Stock Exchange (NSE) to defer the NSE listing requirement of a minimum of 25% free float for a Financial Results period of two years. The two year period is coming to an end and the Board remains committed to realizing In spite of the challenges encountered in addressing the the terms of the approval with the support of all effect of loan losses, our total assets grew to N454 billion, shareholders. representing a 28% increase from 2009. We recorded a
Ecobank Nigeria Report 2010 13 Chairman’s address (continued)
People and Processes Continued Focus
Following from the deterioration in the outlook for the In 2011, we will continue to focus on improved overall economy and industry, we had to review our performance and enhancement of our customer base. staff strength and structure during the year to ensure We will employ our status as the truly Pan African Bank that the quality of staff in the Bank ultimately translates to ensure optimal customer service delivery and to improved performance. The review resulted in a 15% accordingly continue to enhance our Information reduction in our staff strength. We are grateful for the Technology Systems. We are focusing on our strength in support and understanding shown by all stakeholders. the Pan African space in delivering appropriate products to meet the needs of our customers. In the last year, the Bank’s Executive Management remained stable. This continuity helped the Bank Pursuant to our commitment to achieve significant navigate the challenging times, while remaining close improvement in our overall performance, the Ecobank to its customers. The experience, knowledge and skills Debit Regional Card was launched in February 2011 as of all our employees continue to be a crucial element in a renewed marketing strategy to ensure that wherever the success of the Bank. I take this opportunity to thank Ecobank is present in Africa, our customers have access all our employees for their hard work and dedication to our service and their accounts. during the year. We will continue to develop new products and ensure Indeed, we continue to ensure quality training and that the Ecobank brand remains vibrant and dynamic to development of our staff, in order to guarantee the best address the evolving needs of our customers at all quality of service to our customers whilst also enhancing times. our processes. As part of the Ecobank Group strategy, we implemented Corporate Governance the “Project Excellence” campaign which focused on an operating system that eliminates waste and improves As part of our commitment to continually improve the our processes. It enables our branches work faster and performance of the Bank, the Board at the last Annual more efficiently. General Meeting held on June 30, 2010, appointed Mr. Orikolade Karim as a Non-Executive Director. I am I must also mention that in line with the requirements confident that his contribution, in view of his of the Central Bank of Nigeria on categorization of commendable pedigree, would further enhance our banks, we have applied for a Commercial Banking Bank. licence with national authorization. This is well within our strategy. Please join me in welcoming him to the Board. Conclusion Corporate Social Responsibility Dear shareholders, I must extend the sincere appreciation Our Bank continued to support the empowerment of of the Board to you all, our customers and regulators for people within its operating environment. The Ecobank continued support, understanding and co-operation. Cares Project which was launched in 2009, as a platform I would also like to thank our management and staff for to reach out to the underprivileged was sustained and their contributions and urge them to continue to focus 41 Charity Organizations benefited during the year. on prosperity for our Bank. Certainly, our expectations for a brighter future will be The Ecobank Foundation, the corporate philanthropic met. arm of the Ecobank Group also partnered with and supported various communities in Nigeria and across Thank you all. West, Central and East Africa.
14 Ecobank Nigeria Annual Report 2010 Directors, professionals, address
Directors The Olor’ogun Sonny F Kuku OFR Chairman Alhaj Muazu (Dr.) Anache Non Executive Director Chief Wilfred Belonwu Independent Director Dr (Mrs.) E Nadu Denloye Independent Director Mr. Edouard Dossou-Yovo Non Executive Director Mr. Oladisun Holloway Non Executive Director Mr. Orikolade Karim Non Executive Director Ms. Eveline Tall Non Executive Director Jibril Aku Managing Director Foluke Aboderin Executive Director, Corporate Bank Oluwagbemiga Kuye Executive Director, Operations & Technology Ibironke Wilson Executive Director, Finance & Risk Morenike Adepoju Executive Director, Lagos & West Esijolone Okorodudu Executive Director, South & East
Company secretary Adenike Laoye
Registered office Plot 21 Ahmadu Bello Way Victoria Island - Lagos Nigeria
Registrars EDC Securities Limited 137 139 Broad Street Lagos Nigeria Tel: +234-01-262983 7738284, 4610347,7301260 7301261 Fax: 01-461 0345
Independent auditors PricewaterhouseCoopers (Chartered Accountants) Plot 252E Muri Okunola Street Victoria Island Lagos Nigeria
Ecobank Nigeria Report 2010 15 Report of the Directors
The Directors are pleased to submit their report together with the financial statements for the year ended 31 December 2010. 1. Results
2010 2009 N’million N’milion The (Loss)/Profit of the Company after providing for taxation was: 1,619 (4,588) Transfer to Statutory Reserve: - - Transfer to retained Earnings: 1,619 (4,588) 2. Legal form
The Company, which was incorporated on October 7, 1986 as a Public Limited Liability Company, commenced business on April 24, 1989. 3. Principal activities
The Company is engaged in the business of Commercial Banking. 4. Directors
1. The names of the current directors are listed are listed on page 15. 2. Mr. Orikolade Karim was appointed as a non-Executive Director at the last Annual General Meeting held on June 30, 2010. 3. In accordance with Article 93 of the Bank’s Articles of Association, Mr. Edouard Dossou- Yovo, Alhaji Muazu Anache and The Olor’ogun S. F. Kuku, OFR retire by rotation and being eligible, offer themselves for re-election.
Current holdings of directors
31 March 2011 31 March 2011 31 March 2010 31 March 2010 Direct Indirect Direct Indirect The Olor’ogun S. F. Kuku, OFR 3,469,221 - 3,469,221 - Alhaji Mua’zu Anache 167,237 - 167,237 - Chief Wilfred Belonwu 100,000 666,666 100,000 666,666 Dr. (Mrs.) Nadu Denloye ---- Mme Eveline Tall ---- Mr. Orikolade Karim ---- Mr. Edouard Dossou-Yovo ---- Mr. Oladisun Holloway 8,740,854 - 8,740,854 - Jibril Aku 375,000 - 375,000 - Foluke Aboderin ---- Morenike Adepoju ---- Oluwagbemiga Kuye ---- Jolone Okorodudu ---- Ibironke Wilson ----
16 Ecobank Nigeria Annual Report 2010 5. Directors’ responsibilities
In accordance with the provisions of sections 334 and 335 of the Companies and Allied Matters Act (CAMA) 1990 and Sections 24 and 28 of the Banks and Other Financial Institutions Act 1991 as amended, the Directors are responsible for the preparation of Annual Financial Statements.
These responsibilities include ensuring that: (a) adequate internal control procedures are instituted to safeguard assets, prevent and detect fraud and other irregularities; (b) proper accounting records are maintained; (c) applicable accounting standards are followed; (d) suitable accounting policies are used and consistently applied; (e) the financial statements are prepared on a going concern basis, unless it is inappropriate to presume that the company will continue in business. 6. Analysis of shareholding
Authorized Capital: 30,000,000,000 Quantity Issued : 13,879,951,642
Share Range Number of Shareholders % of Shareholders Number of Holdings % Shareholding
1 - 1,000 15,651 18.431 7,518,697 0.0541 1,001 - 10,000 51,475 60.619 216,193,089 1.557 10,001 - 100,000 15,947 18.779 446,773,011 3.218 100,001 - 1,000,000 1,643 1.9348 409,320,760 2.949 1,000,001 - 10,000,000 179 0.2107 533,971,037 3.847 10,000,001 -100,000,000 19 0.0223 458,087,252 3.300 100,000,001-250,000,000,000 1 0.0011 11,808,087,796 85.0730 Total: 84,915 100.0000 13,879,951,642 100.0000 7. Substantial interest in shares
31 December 2010 % 31 March 2010 % Ecobank Transnational Inc. 11, 808,087,796 85 11,808,087,796 85 Nigerian Citizens and Associations 2,071,863,846 15 2,071,863,846 15 Total 13,879,951,642 100 13,879,951,642 100
8. Donations and contributions
DESCRIPTION AMOUNT (N) Donation to 3 orphanages in Lagos (Modupe Cole, armor of God & Love home) 654,600 Sponsorship of Entrepreneur TV Series & awards to Entrepreneurs – 2009/2010 100,000,000 Donation of books to Ecowas Library 250,000 100,904,600
Ecobank Nigeria Report 2010 17 Report of the Directors (continued)
9. Fixed assets
Movements in fixed assets during the year are shown in note 20 on page 49. In the opinion of the Directors, the market value of the Company’s properties is not less than the value shown in the Financial Statements. 10. Post balance sheet events
In March 2011,the company sold a total of N55.55 billion worth of loans to the Asset Management Corporation of Nigeria (AMCON)and received consideration bonds of N41.52billion from AMCON in return. 11. Employment and employees
Employment of Disabled Persons It is the policy of the Company that there should be no discrimination in considering applications for employment including those from disabled persons. All employees are given equal opportunities for self development. As at December 31, 2010, one disabled person was in the employment of the Company.
Employee Involvement and Training The Company is committed to keeping employees fully informed as much as possible regarding the Company’s performance and progress and seeking their views wherever practicable on matters, which particularly affect them as employees.
Management, professional and technical expertise are the Company’s major assets and investment in their further development continues. Training is carried out from entry level through various levels with both in-house and external courses.
Health, safety at work and welfare of employees Health and safety regulations are in force within the Company’s premises and employees are aware of safety regulations. The Company provides subsidies for all employees for medical, transportation, housing and lunch. Incentive schemes designed to meet the circumstances of each individual are implemented wherever appropriate, and some of these include bonuses, salary review, promotion, use of health management organizations for medical and gratuity for long service. 12. Audit Committee
Pursuant to Section 359(4) of the Companies and Allied Matters Act, 1990, the Company had in place an Audit Committee comprising three shareholders and three directors as follows as at December 31, 2010: Pastor Oyelakin Awobode (Chairman) Ms. Bosede Benson Mr. Ayodele Ogundeji Alhaji Mua’zu Anache Dr. (Mrs). Nadu Denloye Mr. Orikolade Karim The functions of the Audit Committee are as contained in Section 359(6) of the Companies and Allied Matters Act 1990.
March 31, 2011 BY ORDER OF THE BOARD ADENIKE LAOYE COMPANY SECRETARY LAGOS, NIGERIA
18 Ecobank Nigeria Annual Report 2010 Profile of Directors
The Olor’ogun (Dr.) Sonny Folorunso Kuku, OFR Chairman since March 2010, Non Executive Director since 2004 Born 1944, Dr. Kuku is a renowned Physician, Scholar and Administrator. He has been Joint Chief Medical Director and Chairman at EKO Hospital (Ekocorp Plc) which he co-founded in 1978. Dr. Kuku has also been a Trustee and a Distinguished Fellow of the National Postgraduate Medical College of Nigeria, President and Trustee West African College of Physicians. A past Chairman of the Committee of Pro-Chancellors of State Universities and Committee of Chairmen of Federal Tertiary Hospitals, he was a recipient of the First Distinguished Alumnus Award University of Lagos and Ambassador of Goodwill Award, City of Freetown. The first African Master of the American College of Physicians, he is a Fellow of the prestigious Nigerian Academy of Science. He was a Director of Midas Merchant Bank and is Chairman of Midas Stockbrokers Limited. He was the Chairman of the Human Capital Policy Commission of the Nigerian Economic Summit Group. He is an Officer of the Order of the Federal Republic (OFR). Dr. Kuku was the immediate past President, King’s College Old Boys Association and current Chairman, Board of Management University College Hospital Ibadan. He joined the Board of Ecobank Nigeria Plc in 2004 and was appointed Chairman in March 2010
Alhaji Muazu Anache Non-Executive Director since 2005 Born 1954, Alhaji Anache is a non-Executive Director. He obtained a National Certificate of Education from the Advanced Teachers College, Minna, Niger State in 1978 and a Higher National Certificate in Accounting from the Dundee College of Commerce, Scotland in 1982. He joined the Board of the Bank in March 2005. Alhaji Anache is a member of the Institute of Chartered Secretaries and Administrators and was with the Niger State Development Company Limited since 1985 until recently as the General Manager Administration/Company Secretary. Alhaji Anache is a Director of the Niger State Supply Company Limited.
Chief Wilfred A. Belonwu Independent Director Born 1942, Chief Belonwu is a distinguished accountant and graduate of the University of Nigeria, Enugu Campus. He is a fellow of the Association of National Accountants of Nigeria. From 1974 to December 2005, Chief Belonwu worked in different positions in Mobil Producing Nigeria Unlimited (MPN) and Mobil Oil Corporation New York. He was Executive Director Finance/Chief Financial Officer and rose to the position of Vice-Chairman of MPN a position he held between January 2004 – December 2005 when he retired. Chief Belonwu has had extensive experience in financial analysis, internal audit and financial control. He is bringing over 31 years experience in a major international conglomerate to Ecobank.
Ecobank Nigeria Report 2010 19 Profile of Directors (continued)
Mme Eveline Tall Non-Executive Director since 2010 Born 1958, Eveline Tall is an Executive Director in Ecobank Transnational Incorporated and also its Chief Operating Officer. She started her banking career in 1981 in Citibank in Dakar. She left Citibank to join Ecobank Mali as Deputy Managing Director in 1998, and was made Managing Director in 2000. She was later transferred to Ecobank Senegal as Managing Director in 2000. She was appointed Regional Head of the UEMOA Zone in October 2005. Eveline Tall holds a Bachelor’s degree in English (Dakar) and a Diploma in International Trade, Distribution and Marketing from the Ecole d’administration et de Direction des Affaires, Paris.
Mr. Oladisun Holloway Non-Executive Director since 2009 Born, 1955, Mr.Oladisun Holloway is currently the Chairman and Chief Executive Officer of EOF Investments Nigeria Limited. He is an Economist and a Financial Consultant. Mr. Holloway was has been the Chairman of the Planning Committee of Inaugural Lagos Carnival for the post two years, and was also the Chairman of the 2009 Eyo Festival Planning Committee. Between 1993–1994, he was Deputy Managing Director of Ecobank Nigeria after which he became Managing Director from 1994 – 2001. He remained with the Ecobank Group as Managing Director of Ecobank Development Corporation, Togo between 2001 – 2005 after which he retired from the Group. Mr. Holloway worked with International Merchant Bank (IMB), Mobil Oil Corporation, New York and Colgate Palmolive, New York before joining Ecobank Nigeria as one of the pioneer staff in 1989. Mr. Holloway has a Bachelor Degree in Economics (Summa Cum Laude) from Morehouse College, Atlanta and an MBA Finance and International Business from Columbia University. He is married with children.
Dr. (Mrs.) Elizabeth Nadu Denloye Independent Director since 2006 Born 1956, Dr. Denloye is a PhD holder in Electronic Engineering from the University of Hull. She co-founded Telnet Nigeria Limited in 1987 and was Managing Director of Telnet Network Services in 1997 and later Group Managing Director of Telnet Group between 2000 – December 2006. She still remains a non-Executive Director on the board of Telnet Group. She is a fellow of the Nigerian Society of Engineers and a member of the Association of Professional Women Engineers of Nigeria. She is a director on the board of LEAP Africa and a member of the Advisory Board of EDS of the LBS-Pan African University.
20 Ecobank Nigeria Annual Report 2010 Mr. Edouard Virgile Dossou-Yovo Non-Executive Director since 2009 Born 1949, Mr. Dossou-Yovo has a Masters Degree and PHD in Commercial Law. He worked with Banque Paribas Group France for 10years as Investment Advisor and Legal Counsel. Since leaving Banque Paribas Group, from 1990 to date, Mr. Dossou-Yovo has been operating his own Company, Cabinet International Ingenierie Financiere Assitance Juridique et Gestion (CIIFAG). Mr. Dossou-Yovo is bringing his wealth of experience in international banking as well as the Law to Ecobank Nigeria Plc as a non-Executive Director. He is from the Republic of Benin.
Mr. Orikolade Karim Non-Executive Director since 2010 Born 1968, Mr. Karim is the Group Managing Director/CEO Shoreline Energy International Ltd (a leading energy and infrastructure company focused on Africa). His current portfolio consists of business in the construction, commodity trading, agro-allied products, oil and gas, engineering and power sectors. In addition to his role at Shoreline Energy International, Mr. Karim is the current Chairman of Costain (West Africa) Plc and serves as director in seven (7) subsidiary companies including Schlumberger Testing & Production Services Nigeria Limited, Trans Amadi Facilities Ltd and Chairman, Nigerian Ropes Plc. Mr. Karim is a Young Global Leader 2008 Award Honoree and also a pioneer and active member of the Global Agenda Council on Emerging Multinationals of the World Economic Forum. He had delivered opinion and position papers at international conferences, investment forum, business schools and universities. He has attended many courses both locally and international including management and leadership courses at the prestigious Harvard Business School and John F. Kennedy School of Government. Mr. Karim is a member of the Institute of Directors, Nigeria (IoD), Lagos Polo Club, Ikoyi Club 1938 and Lagos Motor Boat Club. He was appointed a director in Ecobank Nigeria in June 2010. Mr. Jibril Aku Managing Director since 2010 (Executive Director 2006-2010) Born 1960, Mr. Jibril Aku has over 24 years banking experience with 17 years spent in senior management level. His banking career has included key positions in Capital Markets, Foreign Exchange and Treasury Management. Mr Aku at one time served two terms as director of Nigeria Inter-bank Settlement Systems (NIBSS) and various subsidiaries of Afribank Group including Afribank International Limited (Merchant Bankers) and ANP International Finance, Dublin, Ireland. Mr . Aku is a former President of the Money Market Association of Nigeria (MMAN) and currently serves as Chairman of the NIBOR Committee of the Association. Prior to joining Ecobank in 2006 as Executive Director, he worked for Nigeria International Bank Limited (Citibank) and later with Afribank Nigeria Plc as Executive Director in charge of Operations & Information Technology. He holds a Bachelors and Masters Degrees in Business Administration. He was appointed Managing Director of Ecobank Nigeria Plc in March 2010. Ecobank Nigeria Report 2010 21 Profile of Directors (continued)
Ms. Foluke Aboderin Executive Director since 2007 Born in 1961, Ms. Aboderin is a Chartered Accountant and also holds a first degree in Economics. She joined Ecobank in March 2007. A seasoned banker, her banking experience spans over twenty-two years, managing the relationships of Multinationals and Top-tier Local Corporates operating in key sectors of the economy. She has attended several Citibank courses locally and abroad and she performed a short-time assignment in Citibank South Africa. Before working with Citibank, she started her banking career at First City Merchant Bank (now First City Monument Bank) where she worked in the Corporate Finance and Corporate Banking Departments of the bank for over ten years. Foluke Aboderin is the Group Head of Corporate Banking.
Mr. Oluwagbemiga Kuye Executive Director since 2009 Born in 1967, ‘Gbenga Kuye has over 19 years of local and international banking experience with over 10 years in senior management level. His banking career has included key positions in Human Resources, Trade Operations, Sales & Trading Operations, Branch Operations, Internal Control, Audit - Risks & Reviews, Customer Services, Process Improvement, Technology and overall Country supervision. Gbenga spent the bulk of his career in Citigroup where he rose to become the Vice President responsible for Central Africa Operations and Technology and Deputy Chief Executive Officer for Citigroup Cameroon. He left Citigroup in 2006 to join United Bank for Africa where he held several positions namely Head of Group Operations, Acting Head of Group Operations and Technology and Chief Operating Officer for about 75% of the entire UBA Group. Gbenga holds First Class honors degree in Chemical Engineering from University of Lagos and is also a graduate of the prestigious Citigroup Executive Leader program. He is a member of the Chartered Institute of Bankers and Nigerian Society of Chemical Engineers. Gbenga Kuye is responsible for the Bank’s Operations and Technology Group.
Mrs. Ibironke Wilson Executive Director since 2009 Born in 1961, Ronke is a graduate of Economics and also holds a Masters Degree in Business Administration. She is a member of the Institutes of Chartered Accountants of Nigeria and Ghana. She started her career with Coopers and Lybrand, Lagos where she worked for more than 10 years. With over 14 years in the banking industry, Ronke has held key management positions including Finance, Investment Banking and Human Resources. She was the Ecobank Group Chief Human Resources Officer between 2006 and October 2009. She was appointed as Executive Director in October 2009. She is responsible for Finance & Risk
22 Ecobank Nigeria Annual Report 2010 Mrs. Morenike Adepoju Executive Director since 2010 Born 1960, Morenike Adepoju is a graduate of the University of Ife, now Obafemi Awolowo University Ile Ife Nigeria (June 1981); she holds a Masters in Fine Arts Degree in Management from Brooklyn College of the City University of New York (June 1985) and a certificate in Advanced Management from the Lagos Business School (June 2004). A banker with over 21 years experience, Mrs. Adepoju worked at Intercontinental Bank as a pioneer staff and joined Ecobank Nigeria in March 1996 serving in various capacities including Branch Manager, Head of Consumer and Cards Business, and Head of Branch Network in Ecobank Benin (April 2005). She also served as Regional Head of Retail Bank for 8 French Speaking West African Countries UEMOA Region prior to being posted to Ecobank Liberia as Managing Director in January 2007 for three years. She assumed responsibility as Regional Head Lagos and South West and Executive Director of Ecobank Nigeria in March 2010. Morenike Adepoju is happily married with children
Ms. Esijolone Okorodudu Executive Director since 2010 Born 1962, a banker with over 23 years of banking experience spanning many countries in the Pan African region. Currently the Executive Director, South- South and South-East, Ecobank Nigeria. Before her current responsibility, she played significant executive roles in the Ecobank Group spanning West, Central, Eastern and Southern Africa. As part of her professional journey, Mrs. Okorodudu held different executive positions amongst which were: Managing Director of Ecobank Liberia, Managing Director of the Retail Bank for the Group and Managing Director, Ecobank Gambia. She has also worked in Ghana, Togo, Niger, Mali and Cote-d’ Ivoire. In addition, she played a significant role in being responsible for the Regional Rapid Transfer product which today is the Group’s flagship product, facilitating trade in the Pan-African regional space. Mrs. Esijolone Okorodudu is one of the pioneer staff of Ecobank Nigeria. Before joining Ecobank in 1989, she worked with Citibank Nigeria.
Ecobank Nigeria Report 2010 23 Corporate Governance
Commitment to Corporate 4. Board Committees Governance During the 2010 financial year, the Board delegated some of its responsibilities to the following Committees: Ecobank’s commitment to ensuring international best practice in terms of Corporate Governance remains total i. Board Credit Committee and unconditional. Responsibilities • Approval of credits outside management’s 1. Board composition approval limit As at December 31, 2010, the Board comprised fourteen • Approval of insider-related transactions/credits (14) Directors: eight (8) non-executive and six (6) • Review of remedial accounts/past due executive directors. obligations/classified accounts • Approval of accounts to be written-off and any The Bank is in compliance with the CBN Code of other related matters Corporate Governance regarding the appointment of a • Approval of exceptions to the credit policy minimum of two (2) independent non-executive • Review of periodic reports and assessment of directors. The independent directors during the period portfolio performance were Dr. (Mrs.) Nadu Denloye and Chief Wilfred Committee Composition: Belonwu. Mr. Disun Holloway Chairman Chief Wilfred Belonwu The Bank’s Directors have varied experience and Dr. (Mrs.) Nadu Denloye backgrounds and are well equipped to handle the Mr. Jibril Aku responsibilities of the Board Ms. Foluke Aboderin
2. Role of the Board ii. Board Governance Committee Fundamental to the guiding principles of Ecobank is that Responsibilities all power belong to the shareholders. • Compliance with Governance Code • Corporate governance issues and assessment/ The role of the Board is well documented in the Ecobank evaluation of the Board Group Corporate Governance Charter which is revised • Approval of contractors and major contracts from time to time to take into consideration the • Human Resources matters, relating to evolving nature of the responsibilities of the Board. employment, termination of employment and review of performance appraisal of Assistant The Board receives continuous training on corporate General Managers and above, staff salary governance and relevant areas of banking. The Board’s changes and loans, and consideration of oversight of the operations and activities of the Bank is • appointment of directors and their emoluments carried out transparently without undue influence or Committee Composition: over-bearance. Chief Wilfred Belonwu Chairman Alhaji Mua’zu Anache 3. Compliance with the Central Bank of Nigeria (CBN) Mr. Edouard Virgile Dossou-Yovo code of Corporate Governance and the Securities & Mme. Eveline Tall Exchange Commission (SEC) Governance Code Mr. Orikolade Karim The Bank rendered monthly returns to the CBN on the status of its compliance with the CBN Code of Corporate iii. Board Risk Committee Governance. The Bank is in compliance with the terms Responsibilities of the Code. • Review and recommend changes to the Board as The Bank also rendered returns to SEC in line with the needed to ensure that the Bank has in place at SEC Code of Corporate Governance in complance wirh all times, a Risk Management Policy SEC requirements. • Approve and recommend risk tolerance levels, limits and metrics.
24 Ecobank Nigeria Annual Report 2010 • Review on an annual basis a risk assessment Committee Composition: prepared by management that identifies and Alhaji Mua’zu Anache Chairman evaluates all material risks. Dr. (Mrs.) Nadu Denloye • Provide oversight to ensure that the risk Mr. Orikolade Karim management monitoring and reporting functions in the Bank are independent of business line or v. Statutory Audit Committee risk-taking processes. In compliance with Section 359 (6) of the Companies • Discuss and evaluate the Bank’s risk exposures in and Allied Matters Act (CAMA) 1990, an Audit light of current market conditions, established Committee comprising three (3) representatives of risk limits, operating performance and other shareholders elected annually at Annual General relevant factors. Meetings (AGM), and three (3) non-executive • Review report that monitor compliance with risk directors, is in place. The responsibilities of the parameters established by regulation or Bank Committee are as contained in the CAMA. policy and measure the adequacy of risk The members representing shareholders during the monitoring, testing and governance. year were Pastor Oyelakin Awobode (Chairman), Ms. • Inform the Board of the status of risk exposures Bosede Benson and Mr. Ayodele Ogundeji. The other and risk management processes in the Bank. three (3) members, who are directors of the Bank • Oversee the Bank’s risk framework and controls, are Alhaji Anache, Mr. Kola Karim and Dr. (Mrs.) and monitor the activities of the management Nadu Denloye. level risk committees. The Statutory Audit Committee meets to consider the • Periodically review and approve proposals following: regarding financial, investment, credit and operating risk management strategies and key i. Scope and planning of audits decisions of the management level risk ii. To review the internal control processes committee. iii. To review frauds and forgeries Committee Composition: iv. To consider and assess the audited accounts as well Dr. (Mrs.) Nadu Denloye Chairperson as the Management Control Report issued by the Mr. Disun Holloway auditors. Mr. Edouard Virgile Dossou-Yovo Mr. Jibril Aku 5. Frequency of meetings Mr. Oluwagbemiga Kuye Meetings of the Board and its Committees are usually Mrs. Ibironke Wilson held quarterly, but may be convened at any time whenever the need arises. iv. Board Audit & Compliance Committee Responsibilities The Board and its Committees met as follows: • Review and assessment of all internal and external audit reports. Review and monitoring No. of Meetings of internal control and ensuring effectiveness of Board/Committees Meetings controls Board of Directors 6 • Review of frauds and forgeries Board Credit 4 • Review of the Bank’s compliance requirements Board Risk 4 • Liaising with auditors and management Board Governance 4 • Ensuring compliance with all applicable laws and Board Audit & Compliance 4 regulations, as well as operating standards Statutory Audit Committee 3 • Review of the Bank’s financial performance • Review of capital expenditure and operating During the year under review, management was expenses supported by the following Management Committees
Ecobank Nigeria Report 2010 25 Corporate Governance (continued)
5. Mme. Eveline Tall ** 2 70% i. Executive Management Committee chaired by the 6. Mr. Edouard Dossou-Yovo ** 3 100% Managing Director 7. Mr. Orikolade Karim *** 0 0% ii. Management Committee chaired by the Managing * Ceased to be members in March 2010 Director ** Appointed March 2010 iii. Human Resources Committee, chaired by an *** Appointed June 2010 Executive Director iv Assets and Liabilities Committee, chaired by the Board Credit Committee Managing Director The Committee convened four (4) times during the year. v Disciplinary Committee, chaired by an Executive Director Directors Total No. vi. Doubtful Debt Recovery Committee, chaired by the Attended % Head of Risk Management Group 1. Mr. Oladisun Holloway 4 100% vii. Information Technology Steering Committee, chaired 2. Chief W. Belonwu4100% by an Executive Director 3. Dr. (Mrs.) Nadu Denloye ** 1 100% 4. Jibril Aku 3 75% 6. Attendance at Board and Committee Meetings 5. Foluke Aboderin 4 100% The Board 6. Ibironke Wilson * 3 100% The Board of Directors convened six (6) times during the * Appointed March 2010 year ** Appointed September 2010
Directors Total No. Board Audit & Compliance Committee Attended % The Committee convened four (4) times during the year. 1. The Olor’ogun S. F. Kuku, OFR 6 100% 2. Alhaji M. Anache 6 100% Directors Total No. 3. Dr. (Mrs.) Nadu Denloye 6 100% Attended % 4. Chief W. Belonwu 6 100% 1. The Olor’ogun Sonny F. Kuku, OFR*1 100% 5. Mr. Edouard Dossou-Yovo 4 70% 2. Alhaji Muazu Anache 4 100% 6. Mme Eveline Tall 4 70% 3. Dr. (Mrs.) Nadu Denloye ** 2 100% 7. Mr. Oladisun Holloway 5 85% 4. Chief Wilfred Belonwu *** 2 100% 8. Mr. Kola Karim 5. Mr. Edouard Dossou-Yovo * 1 100% *Appointed June 30, 2010 3 100% 6. Mr. Oladisun Holloway ** 2 100% 9 Jibril Aku 6 100% 7. Mr. Kola Karim ** 2 100% 10 Foluke Aboderin 6 100% * Ceased to be a member in March 2010 11. Oluwagbemiga Kuye 6 100% ** Appointed June 2010 12. Ibironke Wilson 6 100% *** Ceased to be a member in June 2010 13. Morenike Adepoju 6 100% 14 Jolone Okorodudu 6 100% Board Risk Committee The Committee convened four (4) times during the year Board Governance Committee Directors Total No. The Committee convened four (4) times during the year. Attended % 1. Dr. (Mrs.) Nadu Denloye 4 100% Directors Total No. 2. Mr. Edouard Dossou-Yovo 3 75% Attended % 3. Mr. Oladisun Holloway * 3 100% 1. The Olor’ogun S. F. Kuku, OFR * 1 100% 4. Jibril Aku * 3 100% 2. Dr. (Mrs.) Nadu Denloye * 1 100% 5. Morenike Adepoju ** 2 100% 3. Alhaji Muazu Anache 4 100% 6. Ibironke Wilson *** 1 100% 4. Chief W. Belonwu** 3 100% 7. Jolone Okorodudu ** 1 50%
26 Ecobank Nigeria Annual Report 2010 8. Oluwagbemiga Kuye * 3 100% 8. Shareholder participation * Appointed March 2010 The Bank is conscious of, and promotes shareholder ** Appointed March 2010 and ceased to be a member rights. It continues to take necessary steps to ensure in September 2010 same. The benefits from contributions, advice and the *** Appointed September 2010 wise counsel of shareholder members of the Statutory Audit Committee remain invaluable. Statutory Audit Committee The Committee convened three times during the year. 9. Whistle-blowing In line with our commitment to instill best corporate Directors Total No. governance practices in the institution and in compliance Attended % with regulatory requirements, all stake holders are 1. Pastor (Dr.) Oyelakin Awobode 3 100% invited to report any concern about a 2. Ms Bose Benson 3 100% threatened/suspected or actual breach of any corporate 3. Mr. Ayodele Ogundeji 3 100% governance requirement to this special e-mail address: 4. Alhaji Muazu Anache 3 100% [email protected] or telephone hotline number 5. Chief Wilfred Belonwu ** 1 50% 234-1-7613792 for the attention of the Bank’s Chief 6. Mr. Oladisun Holloway ** 1 50% Compliance Officer or the Company Secretary. 7. Dr. (Mrs.) Nadu Denloye * 1 100% 8. Mr. Orikolade Karim * 1 100% Similarly, in order to ensure independence and integrity * Appointed September 2010 of our Whistle-Blowing process, the Bank currently ** Ceased to be member June 2010 subscribes to the KPMG Ethics Line, an independent Whistle-Blowing procedure which ensures anonymity of 7. Related party transactions the whistle-blower and effective handling of issues The Bank in the ordinary course of business entered into reported. All stakeholders are enjoined to utilize the contracts with some companies related to some Line. The e-mail address is : directors. All the contracts were done on arms-length [email protected]. basis and have been duly performed. Toll free hotlines: 07030000026, 0700000027, 08088118888, 08088228888 These are as follows: Project Management of some Branch Transformation Good Corporate Governance is fundamental to the long Kenarch Nigeria Limited (one of whose directors is the term success of any institution. This is the bedrock of brother in-law of Mr. Jibril Aku). Mr. Aku formally the operations of the Bank and its Board. declared his relationship with the director of the company.
Supply of some corporate gift items: Link 96 International (One of directors of the company is related to Mrs. Ibironke Wilson). Mrs. Wilson formally declared her relationship with the director of the company.
Ecobank Nigeria Report 2010 27 Statement of Director’s responsibilities
The Companies and Allied Matters Act and the Banks – Nigerian Statements of Accounting Standards; and other Financial Institutions Act, require the directors – Prudential guidelines for licensed banks; to prepare financial statements for each financial year – Relevant circulars issued by the Central Bank of that give a true and fair view of the state of financial Nigeria; affairs of the Bank at the end of the year and of its profit – Requirements of the Banks and Other Financial or loss. Institutions Act; and – Requirements of the Companies and Allied Matters Act The responsibilities include ensuring that the Bank: a• keeps proper accounting records that disclose, with The directors are of the opinion that the financial reasonable accuracy, the financial position of the statements give a true and fair view of the state of the Bank and comply with the requirements of the financial affairs of the Bank and of its profit and cash Companies and Allied Matters Act and the Banks and flows. The directors further accept responsibility for the other Financial Institutions Act; maintenance of accounting records that may be relied upon in the preparation of financial statements, as well b• establishes adequate internal controls to safeguard as adequate systems of internal financial control. its assets and to prevent and detect fraud and other irregularities; and Nothing has come to the attention of the directors to indicate that the Bank will not remain a going concern c• prepares its financial statements using suitable for at least twelve months from the date of this accounting policies supported by reasonable and statement. prudent judgements and estimates, and are consistently applied. The Olor’ogun (Dr.) Sonny Kuku, OFR
The directors accept responsibility for the annual financial statements, which have been prepared using appropriate accounting policies supported by reasonable and prudent judgements and estimates, in conformity Jibril Aku Managing Director with the:
28 Ecobank Nigeria Annual Report 2010 Report of the Audit Committee
In compliance with the provisions of Section 359(3) to The Committee therefore recommended that the (6) of the Companies and Allied Matters Act 1990, the Audited Financial Statements of the Bank for the year Committee considered the Audited Financial Statements ended 31 December 2010 and the Auditor’s Report for the year ended 31 December, 2010 together with thereon be presented for adoption by the Bank at the the Management Control Report from the Auditors and Annual General Meeting. the Bank’s Response thereto at a duly convened meeting of the Committee. The Committee also approved the provision made in the Financial Statements for the remuneration of the In our opinion, the scope and planning of the audit for Auditors. the year ended 31 December 2010 were adequate. April 7, 2011 After due consideration, the Committee accepted the Pastor (Dr.) Oyelakin Awobode Report of the Auditors that the Financial Statements Chairman were in accordance with ethical practice and generally Audit Committee accepted accounting principles and give a true and fair view of the state of the Bank’s financial affairs. Members of the Committee The Committee reviewed management’s response to the Auditors findings in respect of the Management 1. Pastor (Dr.) Oyelakin Awobode Chairman Control Report and we and the Auditors are satisfied 2. Ms. Bose Benson Member with the management’s response thereto. 3. Mr. Ayodele Ogundeji Member 4. Alhaji Muazu Anache Member The Committee reviewed insider/related party 5. Mr. Oladisun Holloway Member transactions and took note of their status. 6. Mr. Orikolade Karim Member
Ecobank Nigeria Report 2010 29 Auditor’s Report
Plot 252E, Muri Okunola Street, Off Ajose Adeogun Street Victoria Island, Lagos, Nigeria
Report of the Independent Auditor to the Members of ECOBANK Nigeria PLC
Report on the financial statements We have audited the financial statements of Ecobank Nigeria Plc which comprise the balance sheet as of 31 December 2010 and the profit and loss account and statement of cash flows for the year then ended and a summary of significant accounting policies and other explanatory notes.
Directors’ responsibility for the financial statements The directors are responsible for the preparation and fair presentation of these financial statements in accordance with Nigerian Statements of Accounting Standards and with the requirements of the Companies and Allied Matters Act and the Banks and Other Financial Institutions Act. This responsibility includes: designing, implementing and maintaining internal control relevant to the preparation and fair presentation of financial statements that are free from material misstatement, whether due to fraud or error; selecting and applying appropriate accounting policies; and making accounting estimates that are reasonable in the circumstances.
Auditor’s responsibility Our responsibility is to express an independent opinion on the financial statements based on our audit. We conducted our audit in accordance with International Standards on Auditing. Those standards require that we comply with ethical requirements and plan and perform our audit to obtain reasonable assurance that the financial statements are free from material misstatement.
An audit involves performing procedures to obtain audit evidence about the amounts and disclosures in the financial statements. The procedures selected depend on the auditor’s judgement, including the assessment of the risks of material misstatement of the financial statements, whether due to fraud or error. In making those risk assessments, the auditor considers internal control relevant to the entity’s preparation and fair presentation of the financial statements in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the entity’s internal control. An audit also includes evaluating the appropriateness of accounting policies used and the reasonableness of accounting estimates made by the directors, as well as evaluating the overall presentation of the financial statements.
We believe that the audit evidence we have obtained is sufficient and appropriate to provide a basis for our opinion.
30 Ecobank Nigeria Annual Report 2010 Opinion In our opinion the financial statements give a true and fair view of the state of the Bank's financial affairs at 31 December 2010 and of its profit and cash flows for the year then ended in accordance with Nigerian Statements of Accounting Standards, the Companies and Allied Matters Act and the Banks and Other Financial Institutions Act.
Report on other legal requirements The Companies and Allied Matters Act and the Banks and Other Financial Institutions Act require that in carrying out our audit we consider and report to you on the following matters. We confirm that: i) we have obtained all the information and explanations which to the best of our knowledge and belief were necessary for the purposes of our audit; ii) in our opinion proper books of account have been kept by the Bank, so far as appears from our examination of those books; iii) the Bank’s balance sheet and profit and loss account are in agreement with the books of account; iv) our examination of loans and advances was carried out in accordance with the Prudential Guidelines for licensed banks issued by the Central Bank of Nigeria; v) related party transactions and balances are disclosed in the financial statement as required by Central Bank of Nigeria Circular No. BSD/1/2004; vi) to the best of our information, the Bank has complied with the relevant provisions of the Banks and Other Financial Institutions Act and the relevant circulars issued by the Central Bank of Nigeria.
Chartered Accountants Lagos, Nigeria 8 April 2011
Ecobank Nigeria Report 2010 31 Statement of accounting policies
The principal accounting policies adopted in the the profit and loss account as collected. Interest preparation of these financial statements are set out accruing on non-performing accounts is not taken to below. These policies have been consistently applied the profit and loss account until the debt is recovered. to all years presented, unless otherwise stated. 2•Interest income accruing on advances under finance lease is amortised over the lease period to achieve a a) Basis of preparation constant rate of return on the outstanding net The financial statements are prepared in compliance investment. with Nigerian Statements of Accounting Standards (SAS) 3•Interest earned on investment securities is reported issued by the Nigerian Accounting Standards Board as interest income. Dividends are recognized in the (NASB). The financial statements are presented in the income statement when the Bank's right to receive functional currency, Nigerian Naira (N), rounded to the payment is establised. nearest million and prepared under the historical cost convention as modified by revaluation of certain e) Recognition of fees, commissions and other investment securities and property and equipment. income The preparation of financial statements in conformity Fees and commissions, where material, are amortised with Generally Accepted Accounting Principles in Nigeria over the life of the related service. Otherwise, fees, requires the use of estimates and assumptions that commissions and other income are recognised as earned affect the reported amounts of assets and liabilities, and upon completion of the related service. disclosure of contingent assets and liabilities at the date of the financial statements and the reported amounts f) Provision against credit risk of revenues and expenses during the reporting period. Provision is made in accordance with the Statement of Although these estimates are based on the directors' Accounting Standard for Banks and Non-Bank Financial best knowledge of current events and actions, actual Institutions, (SAS 10) issued by the Nigerian Accounting results may differ from those estimates. Standards Board (NASB), and Prudential Guidelines issued by the Central Bank of Nigeria (CBN). For each B) Segment reporting account that is not performing in accordance with the A business segment is a group of assets and operations terms of the related facility, provision is made as follows: engaged in providing products or services that are subject to risks and returns that are different from those Interest and/or principal outstanding for over: of other business segments. The Bank is segmented Provision along 3 main business segment viz: Corporate banking Classification minimum group, Domestic banking group and Capital group. 90 days but less than 180 days Substandard 10% 180 days but less than 360 days Doubtful 50% c) Foreign currency transactions Over 360 days Lost 100% The financial statements are presented in Nigeria Naira, which is the Bank's reporting currency. The Bank normally makes provision of at least 1% for Transactions denominated in foreign currency are performing risk asset inherent in any credit portfolio. converted into Naira at the rate of exchange ruling at However, the Central Bank of Nigeria and the Nigerian the date of the transaction. Assets and liabilities Accounting Standards Board have permitted all Nigerian denominated in foreign currency at the balance sheet Banks to suspend this policy for the reporting period date are translated into Naira at the rates of exchange ended 31 December 2009 and 2010. prevailing at year-end. Exchange gains or losses are When a loan is deemed uncollectible, it is written off included in the profit and loss account. against the related provision for impairments. Subsequent recoveries are credited to the provision for d) Recognition of interest income loan losses in the profit and loss account. If the amount 1• Interest income is recognised on an accrual basis, of the impairment subsequently decreases due to an except for interest overdue for more than 90 days, event occuring after the write-down, the release of the which is suspended and recognised only to the extent provision is credited as a reduction of the provision for that cash is received. Recoveries made are credited to impairment in the profit and loss account.
32 Ecobank Nigeria Annual Report 2010 Risk assets in respect of which a provision was made under construction or in the course of implementation are written directly to the profit and loss account when are disclosed as work in progress, upon completion, the they are deemed to be not collectible. attributable cost of each asset is transferred to the relevant fixed assets category immediately the asset is g) Investment securities put to use and depreciated accordingly. The Bank categorises its investment securities into short Subsequent costs are included in the asset's carrying and long term investment. Investment securities are amount or are recognised as a separate asset, as intially recognised at cost and management determines appropriate, only when it is probable that future the classification at intial investment. economic benefits associated with the asset will flow to i- Short-term investments the Bank and the cost of the asset can be measured Short term investments are investments held reliably. All other repairs and maintenance are charged temporarily in place of cash and which can be to the profit and loss account during the financial period converted into cash when current financing needs in which they are incurred. make such conversion desirable. In addition, it is Payments in advance for items of property and management's intention to hold the investment for equipment are included as prepayments in Other assets not more than one year. and upon delivery are reclassified as additions in the Short-term investments in treasury bills and other appropriate category of property and equipment. No marketable securities are stated at net realisable value. depreciation is charged until the assets are put into use. The gain/loss on revaluation is credited/charged to Depreciation is calculated on a straight line basis to write profit and loss account during the year. down the cost of property and equipment to their Investments for which there is no active market are residual values over their estimated useful lives at the stated at the lower of cost and net realisable value. following annual rates: Realised gains and losses on disposal of short term investments is taken to the income statement in the Leasehold improvements Over the unexpired lease term period of disposal. Leasehold land & buildings Over the lease period ii- Long-term investments Motor vehicles 25% Long term investments are investments held by Furniture & fittings 20% managment over a long period of time to earn Machinery & equipment 20% income. Long term investments may include debt Computer software 33.33% and equity securities. Long term investments in Computer hardware 33.33% marketable securities are stated at the lower of cost and net realizable value. Investments for which there Assets that are subjected to depreciation are reviewed is no active market are stated at the lower of cost for impairment whenever events or changes in and net realisable value. Any discount or premium circumstances indicate that the carrying amount may arising on acquisition of bonds is included in the not be recoverable. An asset's carrying amount is original cost of the investment and is amortised over written down immediately to its recoverable amount if the period of purchase to maturity. Dividends the asset's carrying amount is greater that its estimated receivable are included separately in dividend recoverable amount. The recoverable amount is the income when a dividend is declared. A change in higher of the asset's value less costs to sell and value in market value of investment securities is not taken use. Gains and losses on disposal are determined by into account unless it is considered to be permanent. comparing proceeds with the carrying amount. these are included in the profit and loss account for the year. h) Property and equipment All property and equipment is initially recorded at cost. i) Advances under finance leases They are subsequently stated at historical costs less Finance lease transactions are recorded in the books of depreciation except where there is a permanent the Bank at the net investment in the lease. Net significant change in the value of the asset. Historical investment in the lease is the gross investment in the costs include expenditure that is directly attributable to lease discounted at the interest rate implicit in the lease. the aquisition of assets. Costs relating to fixed asset Gross investment in the lease is the sum of the minimum
Ecobank Nigeria Report 2010 33 Statement of accounting policies (continued)
lease payments plus any residual value payable on the possible obligation that arises from past events and lease. The discount on the lease is defined as the whose existence will be confirmed only by the difference between the gross investment in the lease occurrence or non-occurrence of one or more uncertain and the present value of the asset under lease. This future events not wholly within the control of the Bank discount is recognised as unearned in the books of the or the Bank has a present obligation as a result of past Bank and amortised to income as earned over the life of events but is not recognised because it is not likely that the lease at a basis that reflects a constant rate of return an outflow of resources will be required to settle the on the Bank's net investment on lease. obligation; or the amount cannot be reliably estimated. Finance leases are treated as risk assets and the net Contingent liabilities normally comprise of legal claims investment in the lease are subject to the provisioning under arbitration or court process in respect of which a policy listed in (f). liability is not likely to eventuate. A contingent asset is a possible asset that arises from past events and whose j) Business combinations existence will be confirmed only by the occurrence or The purchase method of accounting is adopted in non-occurrence of one or more uncertain future events accounting for business combinations. The cost of an not wholly within the control of the Bank. A contingent acquisition is measured as the fair value of the assets asset is never recognised rather they are disclosed in the given, equity instruments issued and liabilities incurred financial statements when they arise. or assumed at the date of exchange, plus costs directly Forward exchange transactions are recognised as attributable to the acquisition. Identifiable assets and contingent when the commitment to deliver foreign liabilities acquired and contingent liabilities assumed in exchange obligation at a latter date is contracted. a business combination are measured at their fair values at acquisition date. The excess of the cost of acquisition m) Retirement benefits over the fair value of the identifiable net assets acquired The Bank operates a defined contribution pension is recorded as goodwill. Goodwill is tested annually for scheme in line with the provisions of the Pensions Act. impairment and losses recognised in the profit and loss Under the scheme the employees and the Bank each account. If the cost of acquisition is less than the fair contribute 7.5% of pensionable emoluments consisting value of the net assets acquired, the difference is of employees basic salary, housing and transport recognised directly in profit and loss. allowance. The Bank's contributions are charged to the income statement as employee benefit expense in the k) Off-balance sheet transactions period which they relate. Amounts deducted are Contingent liabilities arising from guaranteed commercial transferred to the staff nominated Pension Fund papers, letters of credit (clean line), performance bonds Administrator. The employer’s liability is limited to any and guarantees issued on behalf of customers in the unremitted contributions under the scheme. ordinary course of business are reported off-balance In addition to the contributory pension scheme, the Bank sheet in recognition of the risk inherent in those operates a defined benefit gratuity scheme for transactions. Income on these transactions is recognised employees who have spent 10 years and above in its as earned on issuance of the bond or guarantee. employment. Additional liability in any year is charged to the income statement. l) Provisions, contingent liabilities and contingent assets n) Income and deferred taxation Provisions are liabilities that are uncertain in timing or Income tax expense is the aggregate of the charge to amount. Provisions are recognised when: the Bank has a the profit and loss account in respect of current income present legal or constructive obligation as a result of past tax, information technology (IT) tax, education tax and events; it is more likely than not that an outflow of deferred income tax. resources will be required to settle the obligation; and Current income tax is the amount of income tax payable on the amount has been reliably estimated. Provisions are the taxable profit for the year determined in accordance normally made for restructuring costs and legal claims. with the Companies Income Tax Act (CITA). Education tax is Risk assets comprise of loans and advances, advances assessed at 2% of the chargeable profits. Information under finance leases, etc. A contingent liability is a Technology levy is assessed at 1% of profit before tax.
34 Ecobank Nigeria Annual Report 2010 The tax effects of income tax losses available for carry changes in interest rates. forward are recognised as an asset when it is probable that taxable profit will be available against which the r) Ordinary share capital timing difference can be utilised. i- Share issue costs Deferred tax is provided using the liability method, and Incremental costs directly attributable to the issue of is based on timing differences resulting from the new shares or to the acquisition of a business are inclusion of items of income and expenditure in different shown in equity as a deduction, net of tax, from the periods for financial accounting and taxation purposes proceeds. for all temporary differences arising between the tax ii- Dividends on ordinary shares bases of assets and liabilities and their carrying values Dividends on ordinary shares are appropriated from for financial reporting purposes. Currently enacted tax revenue reserve in the period they are approved by rates are used to determine deferred income tax. the Bank’s shareholders. The principal timing differences arise from depreciation Dividends for the year that are approved by the of property and equipment, provisions for pensions and shareholders after the balance sheet date are dealt other post retirement benefits, provisions for losses and with in the subsequent events note. tax losses carried forward. The rates enacted or Dividends proposed by the Directors’ but not yet substantively enacted at the balance sheet date are used approved by members are disclosed in the financial to determine deferred income tax. statements in accordance with the requirements of Deferred tax assets are recognised where it is probable the Company and Allied Matters Act. that future taxable profit will be available against which the timing differences can be utilised. s) Sales of loans or securities A sale of loan or security without recourse to the Bank is o) Borrowed funds accounted for as a disposal and the assets excluded from Borrowed funds are recognised initially at their issue the balance sheet. Profits or losses on sale of loans or proceeds and subsequently stated at cost less any securities without recourse to the Bank is recognised by repayments. Transaction costs where immaterial, are the Bank when the transaction is completed. recognized immediately in the profit and loss account. The Bank regards a sale of loans or securities as without Where transaction costs are material, they are capitalized recourse, if it satisfies all the following conditions. Any and amortised over the life of the loan. sale not satisfying these conditions will be regarded as Interest paid on borrowings is recognised in the profit with recourse. and loss account for the year. • control over the economic benefits of the asset must be passed on to the buyer; p) Offsetting • the Bank can reasonably estimate any outstanding cost; Financial assets and liabilities are offset and the net and amount reported in the balance sheet when there is a • there must not be any repurchase obligations legally enforceable right to set off the recognised A sale or transfer of loans or securities with recourse amounts and there is an intention to settle on a net where there is an obligation to, or an assumption of, basis, or realise the asset and settle the liability repurchase is not treated as a sale, and the asset remains simultaneously. in the Bank’s balance sheet, with any related cash received recognised as a liability. q) Cash and cash equivalents Profit arising from sale or transfer of loan or securities Cash comprises cash on hand and demand deposits with recourse to the seller is amortised over the denominated in Naira and to foreign currencies. Cash remaining life. However, losses are recognised as soon as equivalents are short-term, highly liquid instruments they can reasonably be estimated. which are: Where there is no obligation to or assumption of (a) readily convertible into cash, whether in local or repurchase, the sale will be treated as a disposal and the foreign currency; and asset excluded from the balance sheet, and any (b) so near to their maturity dates as to present contingent liability disclosed. insignificant risk of changes in value as a result of
Ecobank Nigeria Report 2010 35 Profit and Loss Account For the year ended 31 December 2010
December 2010 December 2009 Note N’million N’million
Gross earnings 58,313 59,864
Interest and similar income 3 43,713 42,299 Interest and similar expense 4 (15,159) (19,042) Net interest income 28,554 23,257
Fee and commission income 5 10,981 10,228 Fee and commission expense (146) (58) Net fee and commission income 10,835 10,170
Foreign exchange income 3,400 7,287 Income from investments 6 218 44 Other income 16 Operating income 43,008 40,764
Operating expenses 7 (30,521) (30,614) Diminution in asset values 15 (10,367) (16,094) Profit before tax 2,120 (5,944) Tax charge 8 (501) 1,356 Profit after tax 1,619 (4,588)
Appropriated as follows: Statutory reserve -- Transfer to retained earnings 1,619 (4,588) 1,619 (4,588)
Earning per share (basic) 30 12k (64k) Earning per share (diluted) 30 12k (33k)
The accounting policies on pages 32 to 35 and notes on pages 39 to 58 form an integral part of these financial statements.
36 Ecobank Nigeria Annual Report 2010 Balance sheet As of 31 December 2010
December 2010 December 2009 Note N’million N’million
Assets
Cash and balances with the Central Bank 9 19,437 9,524 Bills discounted 10 1,233 - Treasury bills 11 20,756 15,116 Due from other banks 12 100,339 73,490 Loans and advances to customers 13 231,108 183,719 Advances under finance lease 16 5,999 6,000 Investment securities 18 19,656 15,387 Other assets 19 35,428 29,971 Deferred tax asset 25 688 1,073 Property and equipment 20 19,595 21,382 454,239 355,662
Liabilities
Customer deposits 21 340,147 243,831 Due to other banks 22 939 17,147 Other borrowings 23 3,760 4,576 Other liabilities 24 34,744 16,361 Current income tax 8 329 213 379,919 282,128
Equity
Ordinary share capital 26 6,940 3,609 Share premium 26 54,119 11,917 Deposit for shares 28 - 46,366 Retained earnings 27 (1,242) (2,861) Other reserves 27 14,503 14,503 74,320 73,534
Total equity 74,320 73,534
Total equity and liabilities 454,239 355,662
Acceptances and guarantees 29 87,246 93,723
The financial statements and notes on page 36 to 58 were approved by the Board of Directors and signed on its behalf by:
The Olor'ogun (Dr.) Sonny F. Kuku, OFR Jibril Aku (Chairman) (Managing Director)
The accounting policies on pages 32 to 35 and notes on pages 39 to 58 form an integral part of these financial statements.
Ecobank Nigeria Report 2010 37 Statement of Cash Flows For the year ended 31 December 2010
December 2010 December 2009 Note N’million N’million ` OPERATING ACTIVITIES Cash generated from/(used in) operations 34 52,661 (98,393) Tax paid 8-(527) Net value added tax paid (325) (445) Net cash generated from/(used in) operating activities 52,336 (99,365)
FINANCING ACTIVITIES Repayment of long term borrowings (816) - Proceeds from long term borrowings - 882 Interest paid on long term borrowing 4 (149) (178) Net cash (used in) / generated from financing activities (965) 704
INVESTING ACTIVITIES Purchase of long term investment securities (5,734) (1,397) Dividend income 6 218 44 Purchase of property, plant and equipment 20 (1,636) (5,292) Proceeds from sale of property and equipment 558 46 Net cash used in investing activities (6,594) (6,599)
Increase/(decrease) in cash and cash equivalents 44,777 (105,260)
Analysis of changes in cash and cash equivalents
At start of the year 35 94,586 199,846 At end of the year 35 139,363 94,586
Increase/(decrease) in cash and cash equivalents 44,777 (105,260)
The accounting policies on pages 32 to 35 and notes on pages 39 to 58 form an integral part of these financial statements.
38 Ecobank Nigeria Annual Report 2010 Notes to the Financial Statements
1) General information
Ecobank Nigeria Plc (hereinafter referred to as "the Bank") was incorporated as a public limited liability company on October 7, 1986, and was granted banking licence on April 24, 1989. The Bank became listed on the Nigerian Stock Exchange by introduction on April 24, 2006. The Bank is a subsidiary of Ecobank Transnational Incorporated (ETI), Lome, incorporated in the Republic of Togo which holds 85.1% of its equity; while the balance is held by Nigerian individual and institutional investors. The principal activity of the Bank is the provision of commercial banking services; which include domestic and corporate banking services. The Bank had opted for commercial bank licence with National Banking status in line with the new Banking Model by the Central Bank of Nigeria.
2) Segment analysis
The Bank's operations by major business segments during the year are summarised below: (i) Domestic banking - provides banking services to governments, small and medium scale enterprises and local companies including retail solutions to consumers (ii) Corporate banking - provides a broad range of financial solutions to multinationals, regional companies, state- owned companies, non-governmental multinational organisations and financial institutions. (iii)Ecobank Capital comprises our treasury, investment banking, and asset management businesses which focus on financial markets and investors.
Corporate Domestic Ecobank Total Corporate Domestic Ecobank Total Banking Banking Capital Banking Banking Capital Group Group Group Group December 2010 December 2009 N’million N’million N’million N’million N’million N’million N’million N’million
Revenue : - Derived from external customers 14,671 31,689 11,953 58,313 16,065 16,702 27,097 59,864 - Derived from other business segments 1,940 1,240 (3,180) - (3,875) 12,415 (8,540) - Total revenue 16,611 32,929 8,773 58,313 12,190 29,117 18,557 59,864 Total cost - Interest expense (5,939) (6,010) (3,210) (15,159) (5,372) (4,765) (8,905) (19,042) - Risk and other asset provisions (804) (9,563) - (10,367) (1,663) (14,431) - (16,094) - Other operating expenses (6,146) (20,631) (3,890) (30,667) (4,220) (21,510) (4,942) (30,672) Total cost (12,889) (36,204) (7,100) (56,193) (11,255) (40,706) (13,847) (65,808) Profit/ (loss) before tax and extraordinary item 3,722 (3,274) 1,673 2,120 935 (11,589) 4,710 (5,944) Tax ---(501) ---1,356 Profit/ (loss) after tax and extraordinary item 3,722 (3,274) 1,673 1,619 935 (11,589) 4,710 (4,588) Segment asset 82,387 210,431 161,421 454,239 90,235 151,909 113,518 355,662 Segment liabilities 135,850 239,370 4,699 379,919 68,659 191,746 21,723 282,128 Net asset (53,463) (28,939) 156,722 74,320 21,576 (39,837) 91,795 73,534
All transactions between business units were conducted at an arms length basis. Internal charges and transfer pricing adjustments are reflected in the performance of each segment. The Bank operates in a single geographical location, thus no segmentation based on geographical location is presented in this financial statement.
Ecobank Nigeria Report 2010 39 Notes to the Financial Statements (continued)
3) Interest and similar income
December 2010 December 2009 N’million N’million a) Source Placements 4,632 5,280 Treasury bills and investment securities 3,725 3,662 Loans and advances 34,256 31,657 Advances under finance lease 1,100 1,700 43,713 42,299 b) Geographical location Interest income earned in Nigeria 43,578 41,732 Interest Income earned outside Nigeria 135 567 43,713 42,299 Interest income earned outside Nigeria represents interest earned on foreign placement with banks. 4) Interest and similar expense
December 2010 December 2009 N’million N’million a) Source Current accounts 1,504 1,952 Savings accounts 457 511 Time deposits 12,916 10,932 Inter-bank takings 133 5,469 Borrowed funds 149 178 15,159 19,042 b) Geographical location Interest expense paid in Nigeria 14,969 18,260 Interest expense paid outside Nigeria 190 782 15,159 19,042 Included in the interest expense paid outside Nigeria is an amount of N39.9 million (December 2009: N60 million) representing expense paid on takings from foreign banks. 5) Fees and commission income
December 2010 December 2009 N’million N’million Credit related fees 2,277 2,183 Commission on turnover 2,486 2,686 Commission on off-balance sheet transaction 2,079 1,358 Remittance fees 34 31 Letters of credit commissions and fees 1,070 1,245 Facility management fees 200 114 Commission on transfers 250 1,116 Other fees and commissions 2,585 1,495 10,981 10,228
40 Ecobank Nigeria Annual Report 2010 6) Income from investments
December 2010 December 2009 N’million N’million Dividend income 218 44 218 44 7) Operating expenses
December 2010 December 2009 N’million N’million Staff costs (see note 39) 12,814 13,195 Depreciation (see note 20) 2,866 2,692 Auditors' remuneration 90 100 Directors' emoluments (see note 39) 293 228 Other operating expenses (see note 36) 14,458 14,399 30,521 30,614 8) Current income tax
December 2010 December 2009 N’million N’million Charge Current tax -- Education tax 95 - Technology tax 21 - Capital gains tax -- Income tax charge 116 - Over provision in prior years -- Deferred tax credit (see note 25) 385 (1,356) Change/(credit) for the year 501 (1,356)
Payable At start of year 213 752 Tax paid - (527) Income tax charge 116 - Write back - prior year over provision - (12) At end of year 329 213
Ecobank Nigeria Report 2010 41 Notes to the Financial Statements (continued)
9) Cash and balances with the Central Bank
December 2010 December 2009 N’million N’million (a) Cash and balances with regulatory bodies comprise: Cash 13,688 5,953 Operating account with Central Bank 3,347 27 Included in cash and cash equivalents 17,035 5,980
Mandatory reserve deposits with Central Bank 2,402 3,544 19,437 9,524 (b) Mandatory deposits are not available for use in the Bank's day to day activities. 10) Bills discounted
December 2010 December 2009 N’million N’million Sovereign debt note 1,233 - This represents discounted sovereign debt note issued by the Federal Government of Nigeria to the Bank's customers in respect of importation and supply of petroleum products. 11) Treasury bills
December 2010 December 2009 N’million N’million Treasury bills 20,756 15,116 (a)(i) Included in the treasury bills is N9.21 billion (2009: N5.42 billion) worth of treasury bills pledged as collateral to Federal Inland Revenue Service, eTransact, Nigeria Interbank Settlement System, Interswitch, GT Bank and Central Bank of Nigeria. (a)(ii) The original cost of the treasury bills as at 31 December 2010 was N19.76 billion (31 December 2009: N14.73 billion). 12) Due from other banks
December 2010 December 2009 N’million N’million (a)(i) Due from other banks comprise: Current balances with banks within Nigeria 2,163 1,886 Current balances with banks outside 26,590 27,848 Nigeria Placements with banks and discount houses 71,586 43,756 100,339 73,490 (a)(ii) Balances with banks outside Nigeria include N2.23 billion (2009: N2.75 billion) which represents the naira value of foreign currency bank balances held on behalf of customers in respect of letters of credit transactions. The corresponding liability is included in other liabilities. (See Note 24). The amount is not available for the day to day operations of the Bank. (a)(iii) Included in placements with banks and discount houses are placements with banks within Nigeria of N65.05 billion (2009: N43.59 billion).
42 Ecobank Nigeria Annual Report 2010 13) Loans and advances to customers
December 2010 December 2009 N’million N’million (a)(i) Loans and advances to customers comprise: Overdrafts 111,715 104,899 Term loans 150,103 113,062 Others (see note (a) (ii) below) 3,705 6,352 265,523 224,313 Loan loss provision (note 14 (a)) (26,587) (29,290) Interest in suspense (note 14 (b)) (7,828) (11,304) 231,108 183,719 (a)(ii) Included in the gross loans and advances were total interest receivables from customers amounting to N1.15 billion (2009: N2.67 billion). (a)(iii) Other loans and advances represent Bankers' Acceptance (BA's) and Commercial Paper (CP's). The balance was re-classified from off balance sheet BA's and CP's to loans and advances in line with CBN circular BSD/DIR/GEN/CIR/03/018 issued on 23 July 2009 on "Suspension of BA's and CP's as off balance-sheet items". (a)(iv) Included in the gross loans and advances were loans re-booked as a result of the Bank of Industry (BOI) intervention funds of N12.92 billion received during the year.
(b) Analysis by performance Performing 200,984 134,693 Non-performing: • substandard 3,916 44,676 • doubtful 19,433 22,938 • lost 41,190 22,006 265,523 224,313
(d) Analysis by maturity 0-30 days 107,070 93,089 1-3 months 39,425 17,626 3-6 months 10,232 1,709 6-12 months 5,718 5,243 Over 12 months 103,078 106,646 265,523 224,313
(e)(i) Analysis by security Secured against real estate 22,856 17,324 Secured by shares 51,856 64,165 Otherwise secured 145,265 119,359 Unsecured 45,546 23,465 265,523 224,313
(e)(ii) Included in loans and advances is a total loan amount of N0.715 billion secured by cash held in various deposit accounts on behalf of customers.
Ecobank Nigeria Report 2010 43 Notes to the Financial Statements (continued)
14) Loan loss provision and interest in suspense
December 2010 December 2009 N’million N’million (a)(i) Movement in loan loss provision At start of year: • Non-performing 29,290 13,672 • performing - 973 29,290 14,645 Additional provision: • Non-performing 8,746 15,049 • performing -- Amounts written off (7,384) (149) Provision no longer required (4,065) (255) (2,703) 14,645 At end of year: • Non-performing 26,587 29,290 • performing -- 26,587 29,290 (a)(ii) General provision of 1% on performing loans was not made during the year as a result of the waiver from the Central Bank of Nigeria and Nigerian Accounting Standards Board.
December 2010 December 2009 N’million N’million (b) Movement in interest-in-suspense At start of year: 11,304 6,414 Suspended during the year 9,735 5,142 Amounts written back (9,490) (163) Amounts written off (3,721) (89) At end of year 7,828 11,304 15) Dimunition in asset values
December 2010 December 2009 N’million N’million (a) The charge for the year is analysed as follows: Loans and advances - specifics 8,746 15,049 Loans and advances - general -- Provision no longer required (851) (255) Write back on advances under finance lease (131) 158 Provision for off-balance sheet items - 15 Bad debt written off 2,266 249 Provision for diminution of investments 296 114 Provision for other assets 41 764 10,367 16,094
44 Ecobank Nigeria Annual Report 2010 16) Advances under finance lease
December 2010 December 2009 N’million N’million (a) Advances under finance lease comprise: Gross investment 6,970 8,073 Less: Unearned income (758) (1,729) Net investment 6,212 6,344 Less: Provision (213) (344) 5,999 6,000 (b) Analysis by performance Performing 6,066 5,626 Non-performing: • substandard 20 219 • doubtful 102 287 • lost 24 212 6,212 6,344 c) Analysis by maturity 0-30 days 22 7 1-3 months 25 77 3-6 months 114 159 6-12 months 991 787 Over 12 months 5,060 5,314 6,212 6,344 17) Movement in Advances under finance lease provision
December 2010 December 2009 N’million N’million At start of year: • Non-performing 344 98 • performing - 88 344 186 Additional provision: • Non-performing (131) 158 • performing -- Provision no longer required -- Amounts written off - - (131) 158 At end of year: • Non-performing 213 344 • performing -- 213 344
Ecobank Nigeria Report 2010 45 Notes to the Financial Statements (continued)
18) Investment securities
December 2010 December 2009 N’million N’million (a) Long term investments (a)(i) Debt securities @ cost Federal Govt. Bonds (see note (c) (i) below) 1,879 1,379 State Government Bonds (see note (d) below) 816 - Crusader Insurance Plc Bond (see note (e) below) 400 400 (a)(ii) Unlisted debt securities AMCON Bonds (see note (f) (i) & (ii) below) 4,177 - Corporate Bonds (see note (g) below) 250 - (a)(iii) Unlisted equity securities Express Discount House Limited 181 181 First Securities Discount House Limited 479 479 EDC Securities Limited 111 111 Afreximbank 32 32 Valucard Nigeria Plc 55 Central Securities Clearing System 125 125 Nigerian Automated Clearing System 60 60 Card Technology Limited 200 200 SME II Partnership 94 99 National e-Government Strategies 25 25 Tinapa Business Resort Limited 500 500 Accion Microfinance Limited 232 232 Aureos West Africa Fund 177 177 9,743 4,008 Provision for diminution in value (227) (20) 9,516 3,988 (a)(iv) Listed equity securities Cadbury Nigeria Plc (market value: N2.8 million) 33 Guaranty Trust Bank Plc (market value: N11.1 million) 88 Nigerian Breweries Plc (market value: N23.1 million) 11 11 Nig-German Chemicals Plc (market value: Nil) -- Oando Plc (market value: N11.2 million) 14 14 Union Bank Plc (market value: N0.05 million) -- DAAR Communication Plc (market value: N13.3 million) 209 209 Provision for diminution in value (184) (184) 61 61 (b) Short term investments (b)(i) Debt securities FGN Bonds (see note (i)(ii) below) 6,686 11,338 b)(ii) Unlisted debt securities Promissory notes (see note (j) below) 3,393 - 10,079 11,338 Total investment securities 19,656 15,387
46 Ecobank Nigeria Annual Report 2010 18) Investment securities (continued)
December 2010 December 2009 N’million N’million Movement in long term investments At start of year 4,049 2,366 Additions 5,743 1,840 Redemption of long term bonds (8) - Provision for diminution in value (207) (114) Disposals - - (43) At end of year 9,577 4,049 (c)(i) The analysis of FGN Bonds - Held to maturity is as follows: 4th FGN Bond Series 6 (9.20%) 550 50 4th FGN Bond Series 5 (9.23%) 500 500 4th FGN Bond Series 2 (9.50%) 105 105 4th FGN Bond Series 9 (9.35%) 44 44 4th FGN Bond Series 10 (9.50%) 80 80 3rd FGN Bond Series 8 (12.00%) 500 500 3rd FGN Bond Series 9 (15.00%) 100 100 1,879 1,379 (c)(ii) The market value of the FGN Bonds held to maturity was N1.95 billion (2009: N1.93 billion). (d) State Government Bonds represent investment in the Lagos state (2nd tranche) bond at coupon rate of 10% for the tenure of 7 years (e) Crusader Insurance Plc Bond represents the Bank's investment in Crusader unsecured debenture stock at coupon rate of 12% for the tenure of 5years. (f)(i) AMCON (Asset Management Corporation of Nigeria) Bonds represent bonds received as consideration value on sale of toxic risk assets to the AMCON. (f)(ii) The realizability of the AMCON bonds is subject to (any) adjustment which the AMCON might make within 12 months in line with the AMCON guidelines after due deligence on the information supplied by the Bank is performed to confirm the pricing of the loans sold. (g) The Corporate bond represents Flour Mills of Nigeria Plc unsecured bond at coupon rate of 12% for the tenure of 5years. (h)(i) Unlisted equity securities represent the Bank's investments under the Small and Medium Enterprises Equity Investment Scheme (SMEEIS) per the Policy Guidelines for 2001 Fiscal Year (Monetary Policy Circular No. 35). A total of N1.23 billion (2009: N1.23 billion) have so far been invested under the scheme. (h)(ii) The valuation of the unlisted equity securities was performed by the Management. The valuation was performed on 31 December 2010 using net assets basis of valuation. December 2010 December 2009 N’million N’million (i)(i) The analysis of FGN Bonds - Trading comprise: 3rd FGN Bond Series 13 (12.99%) 1,136 1,100 3rd FGN Bond Series 15 (10.98%) 310 300 4th FGN Bond Series 1 (10.75%) - 300 4th FGN Bond Series 10 (9.50%) 156 100 4th FGN Bond Series 11 (9.25%) - 200 4th FGN Bond Series 12 (7.00%) - 200 4th FGN Bond Series 14 (8.99%) - 102 4th FGN Bond Series 2 (9.50%) - 350 4th FGN Bond Series 3 (10.75%) 84 175 4th FGN Bond Series 4 (9.00%) - 1,100 4th FGN Bond Series 5 (9.23%) 208 100
Ecobank Nigeria Report 2010 47 Notes to the Financial Statements (continued)
18) Investment securities (continued) December 2010 December 2009 N’million N’million 4th FGN Bond Series 6 (9.20%) 214 50 4th FGN Bond Series 7 (7.97%) - 350 4th FGN Bond Series 8 (9.85%) 197 200 4th FGN Bond Series 9 (9.35%) 435 500 5th FGN Bond Series 1 (9.45%) 97 1,800 5th FGN Bond Series 2 (10.70%) 771 1,673 5th FGN Bond Series 4 (10.50%) 10 211 5th FGN Bond Series 5 (15.00%) 408 251 6th FGN Bond Series 1 (9.92%) 168 266 6th FGN Bond Series 2 (10.50%) 1,337 1,306 6th FGN Bond Series 3 (12.49%) 389 204 6th FGN Bond Series 4 (7.00%) 240 100 6th FGN Bond Series 5 (8.50%) 183 400 7th FGN Bond Series 1 (5.50%) 269 - 7th FGN Bond Series 2 (4.00%) 74 - 6,686 11,338 (i)(ii) The original cost of the FGN Bonds - trading as at 31 December 2010 was N6.775 billion (2009: N11.933 billion). (j) The promissory notes were issued by the Central Bank of Nigeria in respect of acquired AIB (Africa International Bank) customers' deposits verified and paid during the year. 19) Other assets December 2010 December 2009 N’million N’million Interest and fee receivable 625 1,543 Prepayments 1,824 1,452 Accounts receivable 18,585 13,827 Pledged bond (see note (a)(i)) 9,148 - Pledged treasury bills (See note (a)(ii) below) 3,769 12,150 Other receivables 2,437 2,041 Provision for doubtful receivables (see note (b) below) (960) (1,042) 35,428 29,971 (a)(i) Pledged bonds represent face value of FGN (Federal Government of Nigeria) Bonds held by BOI (Bank of Industry) as collateral in respect of loans obtained for the purpose of on-lending to manufacturing customers. (a)(ii) Treasury bills sold was nil (2009: N12.15 billion) under repurchase agreements are classified as other asset balances in accordance with Central Bank of Nigeria circular BSD/8/2003. The corresponding liability is recognised in other liabilities (Note 22). (b) Movement in provision for doubtful receivables: December 2010 December 2009 N’million N’million At start of the year 1,042 278 Provision charged during the year 41 764 Write-off on account receivables (123) - At end of the year 960 1,042
48 Ecobank Nigeria Annual Report 2010 20) Property and equipment
Work in Leasehold Leasehold Motor Furniture Machinery & Computer Computer Total progress improvements land and vehicles and fittings equipment software hardware buildings N’million N’million N’million N’million N’million N’million N’million N’million N’million Cost 1 January 2010 2,764 1,375 12,494 2,921 587 4,234 1,205 3,586 29,166 Additions 416 33 207 192 110 541 5 132 1,636 Transferred from WIP (911) 207 - 321 7 311 - 65 - Disposals (498) --(181) (12) (110) - (58) (859) Reclassifications -4 - - -(4) --- At 31 December 2010 1,771 1,619 12,701 3,253 692 4,972 1,210 3,725 29,943 Depreciation 1 January 2010 - 392 539 1,567 211 1,295 731 2,419 7,784 Charge for the year - 48 243 636 130 740 324 745 2,866 Disposal ---(152) (6) (88) - (56) (302) At 31 December 2010 - 440 782 2,051 335 2,577 1,055 3,108 10,348 Net book amounts At 31 December 2010 1,771 1,179 11,919 1,202 357 2,395 155 617 19,595 At 31 December 2009 2,764 983 11,955 1,354 376 2,309 474 1,167 21,382
The Bank applies the straight line method of depreciation of its property and equipment to allocate the cost of the assets over their estimated economic useful life. 21) Customer deposits
December 2010 December 2009 N’million N’million Current deposits 100,082 71,374 Savings deposits 33,630 25,676 Term deposits 115,680 93,012 Domiciliary deposit 90,755 53,769 340,147 243,831 Included in the customer deposits were total interest payable to customers amounting to N0.62 billion (2009: N1.44 billion).
December 2010 December 2009 N’million N’million Analysis by maturity 0-30 days 284,315 206,234 1-3 months 50,698 34,216 3-6 months 4,137 1,339 6-12 months 454 1,844 Over 12 months 543 198 340,147 243,831
Ecobank Nigeria Report 2010 49 Notes to the Financial Statements (continued)
22) Due to other banks
December 2010 December 2009 N’million N’million Items in course of collection 939 2,488 Current balances with banks - 2,509 Open buy back treasury bills - 12,150 939 17,147 23) Other borrowings
December 2010 December 2009 N’million N’million International Finance Corporation (see note (i) below) 3,082 3,691 Deutsche Bank (see note (ii) below) 678 885 3,760 4,576 (i) The amount represents outstanding balance ($22.45 million) on dollar denominated on-lending credit obtained from the International Finance Corporation. The facility will expire on or after 24 November 2015 and has a rate of 2.75% above 3 month's LIBOR. (ii) The amount represents outstanding balance ($4.5 million) on dollar denominated loan from Deutsche Bank with Sun and Sand Industries as the beneficiary. The facility will run for 2 years ending in June 2012 at 1.8% above LIBOR payable semi-annually.
December 2010 December 2009 N’million N’million Analysis by maturity 0-30 days 226 - 1-3 months -- 3-6 months 342 340 6-12 months 569 1,013 Over 12 months 2,623 3,223 3,760 4,576 24) Other liabilities
December 2010 December 2009 N’million N’million Customers' deposit for letters of credit 2,232 2,754 Unearned income 2,025 1,415 Interest payable 16 7 Account payables 27,528 8,466 Unclaimed balances 1,179 1,363 Provision on losses for off balance sheet 18 18 Other 1,746 2,338 34,744 16,361
50 Ecobank Nigeria Annual Report 2010 25) Deferred tax asset
December 2010 December 2009 N’million N’million Deferred tax liabilities - (283) Deferred tax assets - 1,356 - 1073 Movement in deferred taxes: At start of year 1,073 (283) (Charge)/abatement (385) 1,356 At end of year 688 1,073 26) Share capital
December 2010 December 2009 N’million N’million Authorised 30 billion ordinary shares of 50 kobo each (2009: 30 billion of 50 kobo each) 15,000 15,000 Issued and fully paid (i) Ordinary shares 13,879,951,642 (31 December 2009: 7,218,075,642) ordinary shares of 50 kobo each 6,940 3,609
The movement on this account during the year is as follows: At start of year 3,609 3,609 3,609 3,609
Issued during the year (see note 28) 3,331 - At end of year 6,940 3,609
(ii) Share premium The movement on this account during the year is as follows: At start of year 11,917 11,917 11,917 11,917 Premium from the share issue (see note 28) 42,202 - At end of year 54,119 11,917
Movement in share capital and premium during the year is attributable to the allotment of 6,661,876,000 ordinary shares of 50 kobo each at N7.00 per share to Ecobank Transnational Incorporated via Special Placement exercise as endorsed by Securities and Exchange Commission on February 6, 2010 (see note 28).
Ecobank Nigeria Report 2010 51 Notes to the Financial Statements (continued)
27) Reserves
N’million N’million N’million N’million N’million Statutory SMIEIS Capital Retained reserve reserve reserve earnings Total (i) At prior period start - 1 January 2009 6,135 1,150 7,218 1,727 16,230 Transfer from profit and loss account ---(4,588) (4,588) At 31 December 2009/1 January 2010 6,135 1,150 7,218 (2,861) 11,642 Transfer from profit and loss account ---1,619 1,619 At year end 31 December 2010 6,135 1,150 7,218 (1,242) 13,261
December 2010 December 2009 N’million N’million (ii) Analysis of other reserves Statutory reserve 6,135 6,135 SMIEIS reserve 1,150 1,150 Capital reserve 7,218 7,218 14,503 14,503
28) Deposit for shares
On 6 February 2010, the Securities and Exchange Commission gave final clearance to the Special Offer exercise and share allotment basis. Management approved appropriation of the deposit for share account to ordinary share and share premium accounts accordingly. The Special Placing was officially listed on Nigerian Stock Exchange floor on July 6, 2010.
52 Ecobank Nigeria Annual Report 2010 29) Contingent liabilities and commitments
(a) Legal proceedings There were a number of legal proceedings outstanding against the Bank at 31 December 2010 with claims totalling N9.1 billion (2009: N6.6 billion). Apart from provisions of N17 million made in the accounts, no further provision has been made in these financial statements for outstanding legal claims because the directors, based on legal advice from the Bank's solicitors and legal advisors, are of the opinion that no significant liability will arise there from. (b) Capital commitments As at the balance sheet date, the Bank had a capital commitment of N190 million (31 December 2009: N686 miIllion) in respect of buildings and equipment purchases. (c) Acceptances and guarantees In the normal course of business, the Bank is party to financial instruments with off-balance sheet risk. The instruments are used to meet the credit and other financial requirements of customers. The contractual amounts of the off-balance sheet financial instruments are:
December 2010 December 2009 N’million N’million Performance bonds and guarantees 46,419 37,914 Letters of credit 22,603 20,007 Guaranteed commercial papers 13,055 32,299 Forward exchange transaction 5,169 3,503 87,246 93,723 30) Earnings/(loss) per share
Earnings per share (actual) is calculated by dividing the profit after tax by the number of shares in issue during the period, while earnings per share (basic) is calculated by using the weighted average number of shares in issue during the period as the denominator. Earnings per share is calculated by using the number of shares outstanding as at the balance sheet date as a common denominator for all years.
December 2010 December 2009 Profit after tax (N'million) 1,619 (4,588) Net profit attributable to shareholders (N'000) 1,618,628 (4,587,893) Number of shares in issue during the year (in thousands) 13,879,952 7,218,076 Weighted average number of shares (in thousands) 13,879,952 7,218,076 Diluted number of shares (in thousands) 13,222,890 13,879,952 Earnings per share (EPS) - basic 12k (64k) Earnings per share (EPS) - diluted 12k (33k) 31) Contravention with banking regulation
The Bank did not contravene any provision of the Banks and Other Financial Institutions Act and relevant circulars issued by the Central Bank of Nigeria. 32) Comparatives
Where necessary, comparative figures have been adjusted to conform with changes in presentation in the current year.
Ecobank Nigeria Report 2010 53 Notes to the Financial Statements (continued)
33) Post balance sheet events
In April 2011, the Bank sold a total of N55.55billion worth of loans to Assets Management Corporation of Nigeria (AMCON) and received consideration bonds of N42.39 billion from AMCON in return. In line with the sales agreement, the realizability of the AMCON bonds is subject to (any) adjustment which the AMCON might make within 12 months in line with the AMCON guidelines. 34) Cash generated from operations December 2010 December 2009 Note N’million N’million (i) Reconciliation of profit before tax to cash generated from operations Operating profit/(loss) 2,120 (5,944)
Provision - loans and advances 15 8,746 15,049 Provision - other assets and contingencies 15 41 764 Write back - finance leases 15 (131) 158 Provision - investment securities 15 296 114 Provision - off-balance sheet items 14 - 15 Loans written off 15 2,266 249 Recoveries/provision no longer required 15 (851) (255) Increase in interest in suspense (3,475) 4,889 Depreciation on fixed assets 20 2,866 2,692 (Gain)/loss on disposal of property and equipment (1) (10) Interest paid on long term loan 4 149 178 Investment income 6 (218) (44) Operating profit before changes in operations 11,808 17,855 (ii) (Increase) / decrease in operating assets: Loans to customers (52,254) (58,336) Advances under leases 133 2,744 Short term investment 1,258 8,051 Interest receivable and prepayment 546 662 Accounts receivable (4,758) (773) Cash reserve balance 1,141 (908) Other assets (1,163) 4,568 (55,097) (43,992) (iii) Increase / (decrease) in operating liabilities: Customer deposits 96,316 (66,883) Due to other banks (16,208) (6,766) Customers' deposit for foreign currency denominated transactions (521) 943 Interest payable 9 (744) Unearned income 609 (2,700) Deposit for shares - 1,296 Value added tax paid 325 445 Other payables 15,420 2,153 95,950 (72,256) (iv) Cash generated from/(used in) operations 52,661 (98,393)
54 Ecobank Nigeria Annual Report 2010 35) Cash and cash equivalents
December 2010 December 2009 N’million N’million For the purposes of the statement of cash flows, cash and cash equivalents include: Cash and balances with central bank (less restricted cash - see note 9) 17,035 5,980 Treasury bills (see note 11) 20,756 15,116 Due from banks (see note 12) 100,339 73,490 Bills discounted (see note 10) 1,233 - 139,363 94,586 36) Other operating expenses
December 2010 December 2009 N’million N’million Advertisement and business promotion 847 930 Information, communication and technology 1,237 2,060 Insurance expenses 2,191 1,925 Consultancy and advisory expenses 2,274 2,046 Premises expenses 2,072 2,092 Equipment running costs 1,315 725 Motor vehicle running costs 503 554 Cash processing costs 1,245 1,298 Business travels 515 586 Office consumable expenses 398 406 Other operating expenses 1,861 1,777 14,458 14,399 37) Related party transactions
A number of banking transactions were entered into with related parties in the normal course of business. These include loans and deposits . The volume of related-party transactions and outstanding balances at the year-end are as follows: (a) Risk assets outstanding as of 31 December 2010 Included in loans and advances is an amount of N2.66 billion (2009: N1.06 billion) representing credit facilities to companies in which certain directors and shareholders have interests and personal loans to directors. The balances as at 31 December, 2010 are as follows:
Name of company/individual Relationship Facility Type N’million Status Security Osigwe Foods and Agro Ind. Company Ltd Ex-Joint director Overdraft 617.9 Debenture on fixed & floating assets Costain (West Africa) Plc Joint director Overdraft 235.4 Legal mortgage Costain (West Africa) Plc Joint director Lease 373.0 Performing Asset financed Costain (West Africa) Plc Joint director Overdraft 206.1 Performing Legal mortgage Nigerian Ropes Plc Joint director Term Loan 113.0 Performing Legal mortgage Learning Gate School Joint director Lease 1.6 Performing Asset financed Chief J.A Odeyemi Ex-Director Overdraft 1.0 Performing Shares Patrick Akinwuntan Ex-Director Mortgage 5.5 Performing Mortgage property Offong & Hamda Ambah Ex-Dir. of Parent Mortgage 80.5 Performing Mortgage property spouse
Ecobank Nigeria Report 2010 55 Notes to the Financial Statements (continued)
37) Related party transactions (continued)
Name of company/individual Relationship Facility Type N’million Status Security Ambah Offong Okon Ex-Director Mastercard 0.4 Performing Clean Gbenga Kuye Director Mortgage 86.9 Performing Mortgage property Adepoju Morenikeji Director Mastercard 1.0 Performing Clean Okorodudu Jolone Director Mortgage 27.0 Performing Mortgage property Okorodudu Jolone Director Mastercard 0.6 Performing Clean Lawson Adesola Kolapo Director of parent Mastercard 3.7 Performing Clean Ekpe Arnold Director of parent Mastercard 4.2 Performing Clean Laurence Do Rego Director of parent Mastercard 0.4 Performing Clean Agbara Estates Limited Joint dir. of parent Term Loan 900.7 Performing Legal mortgage 2,659.0
(b) Off-balance sheet engagements Costain (West Africa) Plc Joint director 639.0 Performing Legal mortgage Bisrod Limited Ex-Director 11.3 Performing Cash collateral Elizade Nigeria Ltd Ex-Director 11.3 Performing Negative pledge 654.1
(c) Directors deposits liabilities outstanding Deposits liabilities outstanding as of 31 December 2010 amounted to N54.2 million (2009: N125.4million).
Intercompany balances Affiliate Loans/ Takings/ Interest Interest Placements Deposits Due To Due From Vostro Nostro Income Expense N’million N’million N’million N’million N’million N’million N’million N’million Benin --3.2 12.7 1.6 38.0 -- Burkina Faso --2.1 --53.9 -- Cameroun --2.2 --11.3 -- Congo Brazzaville ------Ivory Coast --0.6 1.5 9.8 22.6 -- EDC Ghana ---5.7 10 --- E-Process --918.4 131.8 ---- ETI --2,265.6 1,047.2 ---- Ghana --20.3 1.1 2.7 13.0 -- Guinea 1,205.3 -----8.6 - Kenya 301.3 - 5.0 4.1 --1.2 - Liberia - 941.6 - 2.6 ---- Mali --2.3 O.O 0.6 3.7 -- Malawi ---2.5 ---- Niger ----0.0 (2.6) --
56 Ecobank Nigeria Annual Report 2010 Senegal --2.7 0.4 - 4.8 -- Togo --1.9 0.5 - 22.3 0.6 8.9 Chad ---0.6 ---- Sierra Leone ---0.3 ---3.9 EDC Nigeria ---9.5 (302.9) --- Sao Tome --0.2 - 0.8 --- Gambia ---0.2 - 2.0 -- Uganda ---0.2 ---- Zambia 150.6 --3.5 --1.2 - France 2,035.6 ----7,631.4 22.4 -
As at 31 December 2010 3,692.8 941.6 3,224.5 1,224.4 (277.4) 7,800.4 34.0 12.8
As at 31 December 2009 4,824.0 2,519.0 2,141.0 3,270.0 694.0 34.0 - 64.0
Shared services agreement The Bank has a shared service agreement with Ecobank Transnational Incorporated (ETI) under which the Bank contributes to the cost of receiving services from ETI and other subsidiaries/affiliates. 38) Retirement benefits
The Bank operates a defined contribution pension scheme in line with the provisions of the Pensions Reform Act. Under the scheme, the employees and the Bank each contribute 7.5% of pensionable emoluments. Amounts contributed during the year amounted to N498 million (2009: N576 million). In addition to the defined contribution pension scheme;; the Bank operates a gratuity scheme for employees who have spent 10 years and above in its employment. An amount of N181 million (2009: N361 million) was transferred to the fund administrator. The movement in the provision for the Bank's liability under the gratuity scheme is as shown below:
December 2010 December 2009 N’million N’million At 1 January - 213 Charge for the year 186 201 Payment to separating staff (5) (53) Transfer to fund administrator (181) (361) At 31 December --
Ecobank Nigeria Report 2010 57 Notes to the Financial Statements (continued)
39) Employees and Directors
2010 2009 a) Employees The average number of persons employed by the bank during the year by category: Number Number Executive directors 65 Management 118 130 Non-management 2,652 2,917 2,776 3,052 Staff costs for the above persons (excluding executive directors): N’million N’million Salaries and wages 11,673 11,807 Pension cost - • Defined contribution plan 488 576 • Defined benefit plan 186 201 Other employee costs and benefits 467 611 12,814 13,195 The number of employees of the bank, excluding executive directors, who received emoluments in the following ranges were ( excluding pension contributions): Number Number Below N1,000,001 270 308 N1,000,001 - N2,000,000 444 474 N2,000,001 - N3,000,000 805 994 N3,000,001 - N4,000,000 421 382 N4,000,001 - N5,000,000 242 249 N5,000,001 - N6,000,000 242 275 N6,000,001 and above 346 365 2,770 3,047
The remuneration paid to the directors of the bank was: N’million N’million Fees and sitting allowances (non-executives) 31 42 Executive compensation 234 184 265 226 28 2 293 228 Fees and other emoluments disclosed above include amounts paid to: (i) the chairman 74 (ii) the highest paid director (executive) 38 88
The number of directors who received fees and other emoluments (excluding pension contributions) in the following ranges were: Number Number Below N3,000,001 3- N3,000,001 - N4,000,000 34 N4,000,001 - N5,000,000 12 N5,000,001 and above 43 11 9
58 Ecobank Nigeria Annual Report 2010 Statement of Value Added
2010 2009 N’million % N’million %
Gross income 58,313 59,864
Interest paid: • Local (14,408) (18,292) • Foreign (750) (750)
Administrative overheads (15,990) (12,073)
Value added 27,165 100% 28,749 100%
Distribution
Employees • Salaries and benefits 12,814 47% 13,195 46%
Government • Taxation (501) -2% 1,356 5%
The future • Asset replacement (depreciation) 2,866 11% 2,692 9% • Asset replacement (loan loss provision) 10,367 38% 16,094 56% • Expansion (transfers to reserves) 1,619 6% (4,588) -16%
27,165 100% 28,749 100%
Ecobank Nigeria Report 2010 59 Five Year Financial Summary
2010 2009 2008 2007 2006 N’million N’million N’million N’million N’million Assets: Cash and balances with the central bank 19,437 9,524 18,768 12,927 8,764 Treasury bills and other eligible bills 21,989 15,116 21,247 47,393 2,436 Due from other banks 100,339 73,490 162,467 84,142 41,974 Loans and advances to customers 231,108 183,719 144,917 116,181 52,279 Advances under finance lease 5,999 6,000 8,902 7,404 2,108 Investment securities 19,656 15,387 22,155 24,261 13,889 Other assets 35,428 29,971 35,192 4,835 4,272 Deferred income tax asset 688 1,073 --- Property and equipment 19,595 21,382 18,818 14,253 6,370 454,239 355,662 432,466 311,396 132,092
Financed by: Share capital 6,940 3,609 3,609 10,827 10,827 Share premium 54,119 11,917 11,917 11,917 11,917 Reserves 13,261 11,642 16,230 12,078 6,577 Customer deposits 340,147 243,831 310,714 222,885 84,041 Due to other banks 939 17,147 23,913 8,600 - Deposit for shares - 46,366 45,070 -- Borrowed funds 3,760 4,576 3,269 -- Current income tax 329 213 752 1,885 1,440 Other liabilities 34,744 16,361 16,709 42,016 16,859 Deferred tax liabilities --283 1,188 431 454,239 355,662 432,466 311,396 132,092
Acceptances and guarantees 87,246 93,723 173,366 88,088 68,878
60 Ecobank Nigeria Annual Report 2010 2010 2009 2008 2007 2006 N’million N’million N’million N’million N’million
Gross earnings 58,313 59,864 55,156 32,710 17,258
Profit before taxation 2,120 (5,944) (898) 10,096 5,012
Taxation (501) 1,356 893 (2,646) (1,453)
1,619 (4,588) (5) 7,450 3,559
Proposed dividend
Earnings per share (basic) 12k (1k) (0k) 34k 27k
Earnings per share (diluted) 12k (0k) (0k) 34k 49k
Number of business offices 256 256 240 200 131
Ecobank Nigeria Report 2010 61 Risk Management
1. Risk Management Framework
Risk is an inherent part of the business activities of Ecobank. Accordingly, Ecobank has designed a risk management framework and governance structure to achieve an appropriate balance between risk and reward. The risk management framework consists of a comprehensive set of policies, standards, procedures and processes designed to identify, measure, monitor, mitigate and report significant risk exposures in a consistent and effective manner in Ecobank.
1.1. Risk Identification Ecobank identifies risk by evaluating the potential impact of internal and external factors on business transactions and positions. Risk managers then develop strategies for mitigation of identified risks. Such strategies include setting of appropriate risk limits by customer, product and business, and obtaining sufficient collateral coverage.
1.2. Risk Measurement Ecobank uses a variety of methodologies to measure risk. These include calculating probable loss (both expected and unexpected), conducting stress tests and benchmarking.
1.3. Risk Monitoring and Control Ecobank reviews risk management policies and systems regularly to reflect changes in markets, products and emerging best practice. Risk monitoring is based on the following central risk areas: credit risk, including counterparty risk; market risk; liquidity risk; and operational risk. Risk professionals and internal auditors monitor risk exposures and adherence to approved risk limits on a daily, weekly and monthly basis, by means of reliable and up-to-date information systems.
1.4. Risk Reporting Ecobank allocates considerable resources to ensuring on-going compliance with the approved risk limits. It has set guidelines for reporting to relevant management bodies, including the Board of Directors and the Executive Committee. Significant changes in the credit portfolio, non-performing loans and other risk measures are reported on a daily, weekly and monthly basis.
2. Major Risk Types
Ecobank is exposed to the following major risk types:
Credit risk is the probability of financial loss arising from customer or counterparty default. It can arise either because the borrower, or the counterparty is unwilling to perform, or because its ability to perform has been impaired. Credit risk is said to be direct credit risk when it arises in connection with credit facilities such as loans and advances and indirect or contingent credit risk when Ecobank has guaranteed contractual obligations of a client by issuing letters of credit and guarantees. Credit risk also exists when Ecobank and its client have mutual obligations to exchange (deliver) financial instruments at a future date. The risk of default before settlement, also called pre- settlement risk, arises when the counterparty defaults before the contract matures, and Ecobank suffers a financial loss in the process of replacing the unexecuted contract. The settlement risk becomes direct credit risk at the time of default.
62 Ecobank Nigeria Annual Report 2010 Market risk is the risk of loss arising from adverse changes in market conditions during the period required by Ecobank to close out its on- and off-balance sheet positions; losses may be driven by changes in interest rates, exchange rates, equity prices, etc. Positions that expose Ecobank to market risk can be trading or non-trading related. Trading risk comprises positions that Ecobank holds as part of its trading or market-making activities, whereas non-trading risk includes discretionary positions that the bank undertakes for liquidity, or capital hedging purposes. Sources of market risk include: • Interest rate risk is the exposure of current and future earnings and capital to adverse changes in the level of interest rates. Exposure to interest rate risk can result from a variety of factors: • Repricing risk arises from timing differences in the maturity or repricing of assets, liabilities and off- balance sheet instruments. • Yield curve risk is the risk that changes in market interest rates may have different effects on prices of similar instruments with different maturities. • Basis risk is the risk that changes in market interest rates may have different effects on rates received or paid on instruments with similar repricing characteristics (e.g. funding an adjustable rate loan that is indexed to the 3-month Treasury bill with deposits that are indexed to the 3-month LIBOR or NIBOR as the case may be). Interest rates for various assets and liabilities change at the same time, but not necessarily by the same amount. • Options risk is inherent in embedded options in assets and liabilities. An example is provisions in agreements that give borrowers the right (and not the obligation) to prepay their loans, or give depositors the right (and not the obligation) to withdraw funds at any time, often with little or no penalty. These options, if exercised, can affect net interest income and underlying economic value.
• Liquidity risk arises from the general funding needs of the Bank, and in the management of its assets and liabilities. The Bank is exposed to the risk that depositors’ demands for withdrawals outstrip its ability to realise longer-term assets in cash. The Bank, therefore, strikes a balance between its liquidity requirements and funding costs by capturing stable, reliable and low-cost sources of funding. There are two types of liquidity risk: • Funding liquidity risk is the risk that funds will not be available when needed to meet our financial commitments. • Trading liquidity risk is the risk that assets cannot be liquidated quickly enough. This can happen when the liquidity of a market disappears making it difficult, or costly to close, or modify positions.
• Interest rate risk and liquidity risk are interconnected given that management of either side of the balance sheet has an impact on interest rate risk exposure.
• Foreign exchange risk is the risk to earnings and capital arising from sudden changes in the relative prices of different currencies. It can arise directly through trading in foreign currencies, making loans in a currency other than the local currency of the obligor, buying foreign-issued securities, or issuing foreign currency- denominated debt as a source of funds. It can also arise when assets and liabilities are denominated in foreign (as well as domestic) currencies. Ecobank is also exposed to foreign exchange risk arising from adverse changes in currency exchange rates used to translate carrying values and income streams in foreign currencies to the US Dollar, the Ecobank Group’s reporting currency.
• Equity price risk is the risk of loss from adverse changes in the value of equity portfolios due to changes in the level of equity prices.
Ecobank Nigeria Report 2010 63 Risk Management (continued)
Operational risk is the risk of loss resulting from inadequate or failed internal processes, people and systems or external events. It is inherent in every product and service that Ecobank provides. It manifests itself in a variety of ways, including internal fraud, external fraud, transaction processing errors, business interruption, and disputes with employees, clients and vendors. Operational risk also includes legal risk, the risk of loss resulting from the failure to comply with laws, prudent ethical standards and contractual obligations. These events can potentially result in reputational harm to Ecobank (reputational risk).
Sovereign risk includes political, convertibility and cross-border risks. Such risks can arise from actions of a sovereign state or from unforeseen circumstances such as wars and uprisings. They affect the ability of residents to meet their obligations to a lender who is domiciled in another country.
Strategic and franchise risks arise whenever Ecobank launches a new product or a new service, or when it implements a strategy. The risk is that the strategy may fail, causing damage to the Bank’s image, which may impair its ability to generate or retain business. However, Ecobank always carefully assesses both the impact of external factors on its strategic choices (strategic risk) and the feed-back from clients, shareholders and regulators on its results and capital (franchise risk).
Compliance risk is related to violations of rules and regulations in force in Nigeria. The compliance risk also arises when the rules or regulations applicable to the products and activities of Ecobank are ambiguous. Such a risk could result in sanctions, penalties, damages and even the voiding of existing contracts. Legal and regulatory risks are part of compliance risk.
Disclosure risk is the risk of loss due to the presentation of incomplete or false information to the general public, or shareholders, or regulatory bodies. Non-compliance with accounting rules and requirements for rendition of reports to regulatory and supervisory or fiscal authorities could also give rise to strategic and franchise risks.
3. Governance Structure
Governance Board of Directors, Board Risk Committee, Board Credit Committee, Board Audit Committee and within Management: Asset and Liability Committee, the Management Risk Committee and the Executive Committee
The Board of Directors exercises its oversight of risk management through the Risk Committee, the Credit Committee and the Audit and Compliance Committee of the Board. The Board articulates the amount of risk that Ecobank is willing to accept in the normal course of business (risk appetite) and sets the overall risk profile for the Bank. The Risk Committee oversees risk policies and the overall approach to risk management, and monitors the adequacy of controls, compliance with risk policies and the Bank’s risk profile. The Credit Committee has delegated authority from the Board to approve credits outside Management’s limits, reviews periodic reports, approves credit requests on behalf of the Board, reviews classified accounts and strategies for recovery, assesses portfolio performance, approves exceptions to credit policy and approves write-offs amongst other credit related matters. The Audit and Compliance Committee ensures that the financial activities of the business are subject to independent review and external audit.
Risk Management, under the oversight of the Risk Committee and in line with the Ecobank Group Risk Management Policies implements appropriate risk management strategy, principles and framework, risk management processes, methodologies and tools for managing risk. The Executive Director, Finance & Risk is responsible for all the finance and risk activities, and reports to the Managing Director.
64 Ecobank Nigeria Annual Report 2010 The Head, Risk Management is the most senior risk management officer in the Bank. The Head, Risk Management advises and coaches management and business units on risk management; monitors the application and effectiveness of risk management processes; and co-ordinates appropriate and timely delivery of risk management information to the Executive Director, Finance & Risk, the Managing Director, the Executive Committee of the Bank, the Management Risk Committee, the Board Risk Committee and the Board.
Risk Management is completely independent from all the operating and risk-taking units. The risk management department is managed by the Head of Risk Management.
The risk management approval process is fully independent of the businesses. Accordingly, all credit approval requests require the no objection of Risk Management and technical input/no objection of Ecobank Group Risk Management, before submission to the board of directors for approval, where applicable. These include: • Credits to Governments, Financial Institutions and Corporate businesses • Credits to SMEs
The Asset and Liability Committee (ALCO), a sub-committee of the Executive Committee is responsible for the supervision and management of market risk, mainly interest rate and liquidity risks. ALCO members meet monthly to review the structure and pricing of the Bank’s assets and liabilities, to agree the optimum maturity profile and mix of incremental assets and liabilities, to evaluate inherent market risks in new products and to articulate the Bank’s interest rate view.
The responsibility of asset and liability management lies with the Treasury Department. Specifically, the Asset and Liability Management (ALM) desk of the Treasury & Financial Institutions Unit manages the balance sheet. The results of balance sheet analysis along with appropriate recommendations are reviewed in monthly ALCO meetings where important decisions are made to minimise risk and maximise returns.
The Management Risk Committee, a sub Committee of the Executive Committee chaired by the Managing Director is responsible for the supervision and management of all inherent risks in the Bank’s business and reports to the Board Risk Committee. The responsibility of this Committee lies with the Risk Management Department.
4. Risk Management Approach
4.1. Credit Risk 4.1.1. Organisation Credit risk is managed by means of a governance structure with clearly defined responsibilities and credit approval authority.
The Board of Directors of the Bank is the highest credit approval authority in the Bank. It sets credit policies and ensures that all officers involved in the extension of credit across the Bank scrupulously adhere to the policies approved by the Board.
From time to time, the Board delegates its credit approval authority to individual credit officers based on their credit skills, experience and independence of judgment. While credit approval limits are delegated to individual credit officers, no credit officer approves credits singly. All extensions of credit are approved by at least three credit officers, one of whom must have an individual credit limit equal to or greater than the amount of credit extension under consideration. Also, because of the separation of duties between origination and risk management, at least one of the three credit officers must come from Risk Management department. Furthermore, all credits above the credit authority delegated to Ecobank require the technical input/no objection of Group risk managers at the Ecobank Group level (as described in section 3 above).
Ecobank Nigeria Report 2010 65 Risk Management (continued)
The Board reviews and approves all credits in excess of the policy limit, defined as the maximum credit exposure to any borrower or group of related borrowers, currently set at 20% of the Bank’s Shareholders funds. It has, however, delegated this function to the Credit Committee, which has the authority to approve all such credits on behalf of the Board subject to ratification by the Board. The Credit Committee comprises three non-executive directors, the Managing Director and Executive Director, Corporate Bank. One of the non-executive directors is the Committee Chairman. The Head, Risk Management participates in Credit Committee meetings in a consultative capacity.
The primary responsibility for managing credit risk, lies with the Head, Risk Management. He ensures that there is enough resources, expertise, and controls in place for efficient and effective management of credit risk across the Bank. The Head, Risk Management is expected to review all unusual risks as well as extensions of credit which exceed the credit authorities granted.
Ecobank receives delegations of credit approval authority from the Board of Directors, in line with the general framework of the Ecobank Group, subject to local laws.
4.1.2. Risk Identification The bank is involved essentially in commercial banking. This entails various risks, which fall into the main categories of the Bank’s risk management framework; these are credit, market, operational and liquidity risks.
Ecobank is exposed to credit risk through direct lending, issuance of financial and performance guarantees and money market activities. Credit risk analysts work in partnership with the sales function in identifying risk exposures within the bank.
Credit decisions are based on an in-depth review of obligor creditworthiness. Ecobank utilises an internal risk rating system that is based on a scale of 1 to 10 to rate commercial and industrial obligors, financial institutions, sovereign governments, as well as small and medium scale enterprises. A rating of “1” identifies obligors of the highest quality, comparable to AAA on the scale of Standard and Poor’s. A risk rating of “10” is assigned to obligors of lowest quality or highest risk, identical to D on the scale of Standard and Poor’s. Obligors risk rated 1 to 6 are considered as “normal borrowers”; those risk rated 7 and 8 are considered as “borrowers requiring caution” while those risk rated 9 are “substandard borrowers”, and those risk rated 10, “borrowers at risk of permanent default”.
66 Ecobank Nigeria Annual Report 2010 Risk ratings provide an objective means to compare obligors and facilities within a given portfolio, and to measure and manage credit risk across different geographies, industry segments, and business segments and other relevant risk factors using the same standards. Accordingly, the level of credit authority required to approve any credit transaction is also based on the risk rating of obligors and facilities involved. An obligor risk rating is defined as the risk of default on long-term unsecured debt in local currency over a twelve month period. It is assigned and approved when a credit facility is first extended and is reviewed annually and upon the occurrence of a significant adverse event. The risk of default is derived from an analysis of the obligor’s historical and projected financial statements and such qualitative criteria as industry issues, the obligor position in the market, the quality of the board and management and access to financing. The process for determining the obligor risk rating is carried out through automated decision-making tools.
With regard to consumer lending, the Bank utilises a credit program approach whereby credit is extended on the basis of product-specific risk parameters, using manual scoring systems. The products involved are secured and of a self-liquidating nature.
A facility risk rating describes the risk associated with a particular facility of a given obligor. It is usually equivalent to the obligor risk rating; however, a different facility risk rating may be assigned by adjusting the obligor risk rating to take into account such factors as the facility structure or collateral.
4.1.3. Risk Measurement Credit risk measurement takes into account the actual risk exposure (“Exposure at Default” or EAD), the probability of default (PD), and the percentage of loss in the event of default (also called “loss given default” or LGD).
To measure credit risk, Ecobank estimates the level of the statistical expected economic loss in the event of default. This figure measures the net present value of credit costs that Ecobank would face from the time of default until the end of the recovery process. Credit costs include all provisions taken against bad debts, write-offs, interest earned not collected and possibly attorney fees incurred in the process of enforcing the Bank’s claims in court. Under the current methodology, Ecobank proceeds by assigning risk ratings to credit facilities of all the obligors in the credit portfolio. Then, the amount of credit exposure with a given facility risk rating is multiplied by the corresponding loss norms to arrive at a statistical measure of loss in the event of default on the exposure involved. The weighted average loss norm provides a measure of the portfolio risk profile and portfolio risk rating. The results are compared with statistical loss measurement under the bank economic capital model.
4.1.4. Risk Monitoring and Control Credit administration units monitor the performance of individual credit exposures on a daily basis, ensure regularity of credit approvals and line utilisations, authorise disbursements of credit facilities when approval conditions are met and perform periodical reviews of collateral. These units are also responsible for the preparation of internal risk management reports for the bank. Risk control units within internal control department provides a second line of defence as they ensure that controls are in place and are effective. Remedial management units identify early warning signals of portfolio quality deterioration, and monitor past due exposures with a view to maximizing collections of delinquent loans and recoveries of loans previously reserved or written-off.
Portfolio management unit monitors risks taken by the bank on individual obligors and economic groupings through a review of monthly reports. These reports include early warning systems designed to monitor troubled exposure and credit process problems. They also include detailed credit exposure data that enable Ecobank monitor the risk profile in terms of obligors, business segments, industry segments, geography, currency, and asset maturity. The unit also determines the level of the statistical unexpected and expected economic loss, and the overall direction of the portfolio risk profile.
Ecobank Nigeria Report 2010 67 Risk Management (continued)
The portfolio management unit ensures that the bank is not exposed to excessive concentration of credit risk on any one obligor, asset class, industry segment or geography. In particular, the unit ensures that the bank achieves its strategic diversification objectives within the prescribed time horizon. Approval limits are set by the Board of Directors and reviewed from time to time as the circumstances of the Bank demand. Exposure to credit risk is also managed through regular analysis of the ability of borrowers and potential borrowers to meet interest and capital repayment obligations and by changing these lending limits where appropriate. It is worth noting that no individual approving officer/director of the bank can approve alone.
Authorising level Approval limit (N) Board/Board Credit Committee 2,250 million and above Management Credit Committee Between 300 - 2,250 million Managing Director 300 million Executive Director, Corporate Bank 300 million Executive Director, Lagos & West 300 million Executive Director, South South East 300 million Group Head, Risk Management Group 300 million
4.1.5. Portfolio Stress Testing Stress tests are an important means of analysing our risk profile since they give management a better understanding of how Ecobank portfolios are affected by macroeconomic changes, including the effects of negative events on the bank’s capital. The tests support compliance with regulatory capital requirement and are an important tool in capital planning. When the bank uses stress tests in capital planning, stress is applied to risks, income and costs. Stressing income affects the bank capital, while stressing risk exposures affects the capital need. This means that the stress tests quantify the effect of macroeconomic changes on the capital buffer.
For credit risk, Ecobank uses statistical models that transform macroeconomic scenarios into loss levels. The models are used to stress the probability of default (PD), causing higher loan impairment charges and a greater need for capital. The exposure is stressed further by subjecting collateral to stress, that is, a reduction in the collateral value. For other risk types, such as market risk, Ecobank uses scenario-specific variables on current market positions, and this can result in a decline in market values. The changes in market value are considered as losses that reduce bank earnings and capital.
The outcomes of stress test scenarios are reviewed on a consolidated basis across all risk types and compared with the Bank’s risk appetite. They are reviewed by the management and the Risk Committee to ensure that Ecobank is prepared for worst case scenarios, and that appropriate decisions are taken in the areas of risk appetite and capital management.
Several stress test exercises were undertaken during 2010 to assess the potential impact of various crisis (including political) on our businesses. The results showed that the Ecobank had adequate capital in all scenarios.
4.1.6. Risk Reporting Risk Management presents a quarterly report, to the Credit Committee as well as the Risk Committee. The Committees review the report to ensure that the portfolio performs in accordance with approved concentration limits and risk appetite. The Committees refer their decisions to the Board for final approval.
68 Ecobank Nigeria Annual Report 2010 4.2. Market Risk Market risk comprises both price risk and liquidity risk. Price risk measures the impact of changes in interest rates, foreign exchange rates, equity and commodity prices and their implied volatilities on earnings. Ecobank trading and non-trading books are exposed to price risk. Liquidity risk on the other hand refers to the risk that an organisation is unable or is perceived to be unable to meet its financial commitments.
The objective of Ecobank market risk management policy framework is to ensure that all significant market risks are identified, measured, and managed in a consistent and effective manner in the bank in order to stabilise earnings and capital under a broad range of market conditions, and to ensure that the bank possesses adequate sources of liquidity.
4.2.1. Organisation Ecobank market risk management covers all assets, liabilities and off-balance sheet items. The Risk Committee sets the overall risk policies for market risk exposures, including risk limits. The Bank’s Internal Audit provides timely and objective assurance regarding the continuing appropriateness of, and the adequacy of compliance with the policy framework.
The Asset and Liability Committee (ALCO) is responsible for the supervision and management of market risk in Ecobank. ALCO members meet monthly and more often if warranted by market conditions to review the bank’s liquidity and funding needs, the structure and pricing of the bank’s assets and liabilities, and market risk involved in new products. They articulate the bank’s interest rate view and decide on the required maturity profile and mix of incremental assets and liabilities. ALCO committee fulfil these functions monthly at the country level. The staff and management working within or managing operational business units and their board of directors are responsible for the day-to-day management and control of market risk within their businesses.
4.2.2. Risk Identification Consistent with an independent and centralised risk management function, Ecobank measures, monitors, manages, and reports its exposure to market risk on a daily basis. It also conducts intraday spot checks of market risks by calculating risk exposures with internally developed systems that cover all of its positions. In addition, conventional risk measures and mathematical and statistical measures, such as Value at Risk, are utilised to calculate market risk exposures as wells as economic and regulatory capital.
Trading units maintain blotters for recording movements and balance sheet positions of traded instruments, which include daily monitoring of profit and loss balances of trading and non-trading positions. Internal auditors and market risk managers monitor daily trading activities to ensure that risk exposures taken are within the approved price risk limits and the overall risk tolerance levels set by the Board. Members of ALCO and Management Risk Committee, treasurers and market risk managers monitor market risk factors that affect the value of trading and non-trading positions as well as income streams on non-trading portfolios on a daily basis. They also track liquidity indicators to ensure that the bank meets its financial obligations at all times.
4.2.3. Risk Measurement 4.2.3.1. Banking Book Ecobank currently uses repricing maturity gap analysis to measure exposure to interest rate risk in its non-trading book. Through this analysis, the bank compares the values of interest rate sensitive assets and interest rate sensitive liabilities that mature or reprice at various time periods in the future. In performing this analysis, the bank may make judgmental assumptions about the behaviour of assets and liabilities which do not have specific contractual maturity or re-pricing dates.
Ecobank Nigeria Report 2010 69 Risk Management (continued)
An interest rate sensitive gap is positive or a gap profile is said to be asset sensitive when the amount of interest rate sensitive assets exceeds that of interest rate sensitive liabilities maturing or re-pricing within a specified time period. It is negative (liability sensitive) when the amount of interest rate sensitive liabilities exceeds that of interest rate sensitive assets maturing or re-pricing within a specified period. In general, an asset sensitive institution may expect net interest income to increase with rising market interest rates and decline with falling market interest rates. Conversely, an institution with a negative gap can expect net income to increase when market interest rates are falling and to decline when interest rates are increasing.
4.2.3.2. Trading Book At Ecobank, trading market risk generally emanates from the bank’s market making activities where the bank acts as principal with the market. It therefore arises from open positions in interest rate and foreign currency positions, and it is generally affected by changes in the level and volatilities of yields and foreign exchange rates. Trading risk exposures are controlled using the following: • Risk limits, driven by the notional size of net open positions (NOPs) by currency and • Management Action Triggers (MAT) • Stop Loss Limits • Factor Sensitivity Limits
4.2.3.3. Liquidity Risk At Ecobank, liquidity risk is managed using a balance sheet approach that estimates all sources and uses of liquidity including loans, investments, deposits and borrowings, as well as contingent off-balance sheet exposures. The treasurer is generally responsible for formulating the banks liquidity and contingency planning strategies and identifying, monitoring and reporting on all liquidity risks. The main tools used for liquidity risk measurement are the contractual maturity gap and ratio analysis.
4.3. Operational Risk Ecobank has committed significant resources to develop a “risk-aware” culture and to ensure that all significant operational risks are identified, measured, assessed, prioritised, managed, monitored and treated in a consistent and effective manner in the bank. Operational Risk Management unit ensures that existing policies and procedures adequately address risks emerging from changing operating environments.
4.3.1. Organisation The Bank operates an operational risk governance structure that ensures that the Board of Directors and the Managing Director have direct responsibility for operational risk in the bank. The Board acts through the Risk Committee, whose decisions are implemented by Risk Management and Monitored by the Management Risk Committee.
The Operational Risk Management Unit drafts operational risk policies, defines operational risk management standards, and develops tools, techniques, analysis, reporting, communication and training for effective management of operational risk. The Bank’s Operational Risk Management Unit coordinates and participates in preparing, testing and reviewing the business continuity and disaster recovery plan of every business unit. The Operational Risk Manager plays a coordination, aggregation, facilitation and enabling function.
70 Ecobank Nigeria Annual Report 2010 4.3.2. Operational Risk Policy The operational risk policy covers the following activities: • Identifying, monitoring and managing current and potential operational risk exposure; • Managing “critical risks”. That is, risks that, in the view of business unit management or the Risk Committee, require follow-up and further reporting; • Following up on reports from Internal Audit and regulatory authorities and informing the Risk Committee of issues that involve the bank operational risks; • Preparing management information on issues such as IT security, physical security, business continuity and compliance with legislation in these areas.
Ecobank has other policies, including policies on security, control and compliance that also support operational risk management.
4.3.3. Operational Risk Framework During the year under review, the Bank continued with the use of the basic indicator approach for the calculation of operational risk capital requirement. However, Ecobank Operational Risk Management has developed a roadmap to migrate to the standardised approach, subject to regulatory approvals.
As shown in the figure below, risk and control self-assessments (RCSA), key risk indicators (KRI), and operational loss events represent the 3 pillars for managing operational risk across in Ecobank. The pillars anchor the Bank’s operational risk governance and reporting structure.
Ecobank Nigeria Report 2010 71 Risk Management (continued)
4.3.3.1. Risk and Control Self-Assessment (RCSA) RCSA is the first pillar in the operational risk framework. The principal objective of the RCSA is to identify, measure, and monitor operational risks. It is owned by the business. RCSA is an additional control process and does not replace existing controls.
The RCSA process directly involves business management and staff assessment of the bank’s system of internal controls. After the assessment, owners continue to evaluate key risks and control, usually on a quarterly basis. During the evaluation or testing of controls, if the business finds out that some controls are not effective, the assessor documents the nature of the defect, and escalates to a higher level in the organisation (Executives and Operational risk). The RSCA process leads to senior management committing to corrective action plans (CAPs) for defective controls, which are tracked by Operational Risk Management.
4.3.3.2. Key Risk Indicators (KRI) Key Risk Indicators are the second pillar for managing operational risk. They are quantifiable measures linked to the documented key risks in the risk evaluation processes. They enable changes in a risk level to be monitored for improvement. They are effective management tools for validating the RCSA process. Business units collect KRI data to signal issues where remedial action is required. The process thus leads to senior management committing to corrective action plans (CAPs) for KRI breaches, which are tracked by Ecobank Operational Risk Management. . 4.3.3.3. Events Event data collection is the final pillar of new operational risk framework. Identifying, analysing and recording events are important in assessing the effectiveness of the operational risk framework. Analysing root causes that crystallise into events assists management in taking the necessary steps to restore or tighten controls. The events process leads to senior management committing to corrective action plans (CAPs) when root cause analyses are complete.
4.3.3.4. Risks and Controls Ownership, Governance, and Assurance Within the framework, business units own the risks and controls. Their efforts are guided by control and risk functions (Internal Control and Operational Risk) because these are independent from the business. Both Internal Control and Operational Risk track corrective actions plans (CAPs) and report on these to senior management. The Operational Risk unit has the primary responsibility for profiling business risks using scenarios, modelling, and capital assessment methodologies. It deploys the necessary tools across the Bank. Internal Audit function provides independent assurance through audits and risk reviews.
4.3.4. Risk identification, measurement, monitoring and control Losses are categorised according to the Basel II event categories for operational risk losses. The loss categories are: internal fraud, external fraud, employment practices and workplace safety, disputes with clients, damage to physical assets, business disruptions and systems failure, and execution, delivery and process management.
Operational risk managers within each business unit ensure that all operational risk events are recorded and reported to the appropriate management levels. Internal loss events are categorised into actual loss (an incident that has resulted in a financial loss), potential loss (an incident that has been discovered, that may or may not ultimately result in a financial loss) and “near miss” events. A “near miss” event is an incident that was discovered through means other than normal operating practices and that, through good fortune or focused management action, resulted in no loss or a gain.
72 Ecobank Nigeria Annual Report 2010 4.3.5. Compliance and Regulatory Risk Ecobank operates a governance structure that is expected to reduce compliance and regulatory risks. The Managing Director has direct oversight for these functions. Ecobank Operational Risk Management assists by highlighting breaches throughout the network for immediate management action. Internal Audit carries out its assurance roles through on-site visits to branches routinely.
4.3.6. Know-Your-Customer (KYC) and Due Diligence Frontline staff, relationship managers, and other officers who face clients and potential clients undergo Anti-money laundering (AML) and counter-terrorism financing training. The Bank has implemented systems that track suspected transactions for money laundering and screen the financial activities of politically exposed persons (PEPs) and those of individuals, companies or States under sanctions imposed by the United Nations Organisation, the United States and the European Union. All employees are required to participate in mandatory AML training through the Ecobank Virtual Banking Institute (VBI) e-learning platform. VBI has been positioned as a key operational risk management and awareness tool.
4.3.7. Technology Risks and Information Security Emerging electronic threats continue to receive attention from senior management. Businesses or functions that are exposed to these threats include the card business, ATM operations, automated clearing systems, corporate and individual Internet Banking services and other electronic payment systems. Similarly, sensitive materials could be exposed to risks. Ecobank has instituted measures to manage technology related risks.
Firstly, changes to any system that impact on the infrastructure and on more than two users have to undergo rigorous tests, and then escalated to an IT Change Review Board for approval and tracking for impact on others systems. Operational Risk Management directly works with the review board to ensure the cut-over process is backed by appropriate tests and user concurrence. The diverse composition of the team, drawn from Technology (infrastructure and applications), Operations and Services, Information Security, Internal Control, and Operational Risk (cut-over) ensures that thorough assessments are made before any systems changes. IT changes within “freeze periods” are not authorised. During 2010, Operational Risk Management sought to minimise emergency changes, because of the implicit higher risks involved.
Secondly, project management methodologies were strengthened in the Ecobank during 2010.
Thirdly, in order to increase the success rate of technology project, and to ensure coordinated approach in utilising technology infrastructure, all technology projects must go through a Central Design Authority (CDA) for technical and functional assessments. CDA reviews cover identification for duplications and clarity on resource usage (hardware, operating systems, manpower, etc.).
Finally, it is the bank’s policy to escalate information security threats to the Chief Information Security Officer. Actions depend on the severity and complexity of threats.
4.3.8. Business Continuity Management The Technology Group devoted significant efforts to establish disaster recovery (DR) capacity to expeditiously restore operations if activities have been disrupted. DR processes are part of business continuity management (BCM). Operational Risk Management carries out an assessment on a standardised scoring scale to determine readiness against disruptions. It is expected that an assessment would be carried out in 2011 when an ongoing infrastructural project is completed. The Bank intends to maintain multiple technology centres in strategic locations.
Ecobank Nigeria Report 2010 73 Risk Management (continued)
4.3.9. People Risk People risk has a direct correlation with internal frauds. For this reason, Human Resources Unit reviews and monitors the hiring process, particularly for employees in sensitive positions in the Bank. Generally, management has maintained an efficient balance between sales and processing staff ratios, and ensured that the segregation of duties was upheld at all locations.
Where external organisations provided services, the Bank was guided to assign less sensitive roles to such support staff; employee screening was also extended to cover such non-permanent staffing arrangements. Other control mechanisms, such as vacation management and job rotation were enforced throughout 2010. An automated performance management, career management, and staff administration system was implemented in late 2010. When completed, people risk is expected to be contained as the system will facilitate the identification of people-related risks and engender early intervention.
4.3.10. Risk Reporting Ecobank requires immediate escalation to the Risk Committee in all instances of unauthorised deviations from standards set out in the operational risk policy; this includes likely or actual breaches of thresholds. Against the backdrop of rising internal frauds, Operational Risk focused on internal factors that drive such events. These include staff loyalty and integrity, code of ethics awareness, vacation policy enforcement, and using non- permanent/contract staff on sensitive roles. A firm control over these driving forces is expected to forestall internal fraud losses. 5. Capital Adequacy
The Bank’s capital management policies supports its business strategy and ensures that the Bank is sufficiently capitalised to withstand severe macroeconomic downturns. In addition, they are designed to ensure that the Bank complies with regulatory capital requirements and to support the Bank’s credit rating objectives.
74 Ecobank Nigeria Annual Report 2010 Provisioning policies The internal and external rating systems described above focus more on credit-quality mapping from the inception of the lending and investment activities. In contrast, loan loss provisions are recognised for financial reporting purposes only for losses that have been incurred at the balance sheet date based on criteria set out in the Prudential Guidelines for Licensed Bank. Risk Assets (Loans and Advances, Advances under Finance Leases, Off-balance sheet direct credit substitutes, etc) Loans and advances are summarised as follows:
2010 2009 N’million N’ million Performing 207,049 140,319 Non-performing • substandard 3,936 44,895 • doubtful 19,535 23,225 • lost 41,214 22,218 271,734 230,657
Performing but past due loans Loans and advances less than 90 days past due are considered performing, unless other information is available to indicate the contrary. Gross amount of loans and advances by class to customers that were past due but performing were as follows:
At 31 December 2010 Retail Corporate SME Financial Others Total Institutions N’million N’million N’million N’million N’million N’million Past due up to 30 days 258 7 106 41 2 414 Past due up to 30-60 days 13 - 62 2 21 98 Past due up to 60-90 days 13 -2 - -15 284 7 170 43 23 527 At 31 December 2009 Past due up to 30 days 1188 31 93 29 - 1341 Past due up to 30-60 days 62 25 57 --144 Past due up to 60-90 days 80 - 20 1 14 115 1,330 56 170 30 14 1,600
Ecobank Nigeria Report 2010 75 Risk Management (continued)
Non-performing loans by industry 2010 2009 N’million N’ million Agriculture - 11 Oil and gas 21,026 13,537 Capital market 3,839 36,437 Consumer credit 24,341 22,293 Manufacturing 10,145 9,040 Mining and quarrying 65 248 Mortgage 840 875 Real estate and construction 1,498 1,776 Finance and insurance 496 1,543 Government 30 16 Transportation 1,234 285 Communication 1,009 4,191 Education 162 86 64,685 90,338
Non-performing loans by Geography 2010 2009 N’million N’ million South south 10,966 9,887 South west 46,049 68,370 South east 2,101 1,921 North west -- North central 5,166 9,729 North east 403 431 Rest of Africa -- 64,685 90,338
Specialised loans provisioning
(a) Classification into specialised and non-specialised loans. 2010 N’million
(i) Total loans 271,734 This is broken down into: - Specialised loan 48,448 - Non-specialised loan 223,286 271,734
(ii) Provision for loan loss 26,587 This is broken down into: - Specialised loan 3,403 - Non-specialised loan 23,184 26,587
76 Ecobank Nigeria Annual Report 2010 (b) In line with the new CBN prudential guideline, non-performing loans have been classified under each of the clasification category as follows:
Project Object Real SME Mortgage Finance Finance Estate Manuf. Finance Agric Total N’million N’million N’million N’million N’million N’million N’million At start of the year - 576 - 874 191 2 1,643 Additional provisions ------watchlist ------substandard - 110 60 -5 -175 - doubtful - 812 - 12 231 - 1,055 - verydoubtful ------lost -5 -425 94 6 530 Total loans - 1,503 60 1,311 521 8 3,403
C) During the year, the Central Bank of Nigeria (CBN) published a new set of prudential guideline for Banks which specified certain criteria for classifying a loan facility as specialised loan. The classification and provisioning for specialised loans such as Project finance, Object finance, Real estate finance, SME finance and Mortgage finance takes into consideration the cashflows and gestation of the different loan types.
Project Object Real SME Mortgage Finance Finance Estate Manuf. Finance Agric Total N’million N’million N’million N’million N’million N’million N’million Peforming 8,912 14,723 906 17,090 3,348 - 44,979 Non-performing: -watchlist ------substandard - 420 601 5 47 5 1,078 - doubtful - 1,412 - 23 426 - 1,861 - verydoubtful ------lost -5 -425 94 6 530 - 1,837 601 453 567 11 3,469 Total loans 8,912 16,560 1,507 17,543 3,915 11 48,448 Percentage to total loans 0% 11% 40% 3% 14% 100% 7%
Ecobank Nigeria Report 2010 77 Risk Management (continued)
Concentration of risks of financial assets with credit risk exposure
(a) Geographical sectors The following table breaks down the Bank’s main credit (due from banks, loans and advances, finance under lease) exposure at their carrying amounts, as categorised by geographical region as of 31 December 2010. For this table, the Bank has allocated exposures to regions based on the region of domicile of our counterparties. Advances Due from under finance At 31 December 2010 banks Loans lease Total Nigeria South south - 19,526 1,962 21,488 South west 67,213 217,171 3,992 288,376 South east - 4,199 110 4,309 North central -2 -2 North east - 24,625 148 24,773 Outside Nigeria 33,126 --33,126 100,339 265,523 6,212 372,074
At 31 December 2009 South south - 13,630 451 14,081 South west 45,481 183,374 5,062 233,917 South east - 3,169 80 3,249 North central - 23,578 725 24,303 North east - 562 26 588 Outside Nigeria 28,009 --28,009 73,490 224,313 6,344 304,147
(b) Industry sectors The following table breaks down the Bank’s main credit (due from banks, loans and advances, finance under lease) exposure at their carrying amounts, as categorised by industry sector as of 31 December 2010. For this table, the Bank has allocated exposures to industry based on the sector of industry of our counterparties.
Advances Due from under finance At 31 December 2010 banks Loans lease Total Agriculture ---- Oil and gas - 77,498 9 77,507 Capital market - 65,057 - 65,057 Consumer credit - 44,388 2,569 46,957 Manufacturing - 30,532 104 30,636 Mining and quarrying - 498 357 855 Mortgage - 4,171 - 4,171 Real estate and construction - 13,520 424 13,944 Finance and insurance 100,339 1,695 17 102,051 Government - 3,239 787 4,026 Transportation - 1,935 1,820 3,754 Communication - 22,667 81 22,748 Education - 323 44 367 100,339 265,523 6,212 372,074
78 Ecobank Nigeria Annual Report 2010 At 31 December 2009 Agriculture -9211 Oil and gas - 52,990 259 53,249 Capital market - 63,953 - 63,953 Consumer credit - 44,492 4,514 49,456 Manufacturing - 25,431 354 25,785 Mining and quarrying - 310 764 1,074 Mortgage - 5,325 - 5,325 Real estate and construction - 14,412 4 14,416 Finance and insurance 73,490 1,371 11 74,872 Government - 17 349 366 Power ---- Other public utilities ---- Transportation - 591 80 671 Communication - 14,853 7 14,860 Education - 109 - 109 73,490 224,313 6,344 304,147
Analysis by portfolio distribution and risk rating
AAA to AA- A+ to A- BBB+ to BB- Below BB- Unrated At 31 December 2010 2,461 13,121 160,527 95,626 -
At 31 December 2009 2,861 1,121 123,794 102,881 -
Foreign exchange risk
Foreign exchange risk (or currency risk) is the risk to earnings and capital arising from sudden changes in the relative prices of different currencies while a bank maintains an open position in one currency or another. It can arise directly through trading in foreign currencies, making loans in a currency other than the local currency of the obligor, buying foreign-issued securities, or issuing foreign-currency denominated debt as a source of funds. It can also arise when assets and liabilities are denominated in foreign (as well as domestic) currencies.
The Bank takes on exposure to the effects of fluctuations in the prevailing foreign currency exchange rates on its financial position and cash flows. The Board sets limits on the level of exposure by currency and in aggregate for both overnight and intra day positions, which are monitored daily. The table below summarises the Bank's exposure to foreign currency exchange risk at 31 December.
Ecobank Nigeria Report 2010 79 Risk Management (continued)
Concentrations of currency risk – on- and off-balance sheet financial instruments
Naira equivalent Total At 31 December 2010 Naira Dollar GBP Euro Others N’million
Assets Cash and balances with the Central Bank 19,437 ----19,437 Treasury bills and others eligible bills 21,989 ----21,989 Due from other banks 59,495 27,809 1,195 11,592 248 100,339 Loans and advances to customers 173,636 57,461 461231,108 Advances under finance lease 4,229 1,770 ---5,999 Insurance receivables ------Investment securities 19,656 ----19,656 Other assets 31,548 3,674 164 - 41 35,428
Total financial assets 329,991 90,714 1,363 11,598 290 433,956
Liabilities Customer deposits 248,192 79,193 1,360 11,153 249 340,147 Due to other banks 939 ----939 Other borrowings - 3,760 ---3,760 Current income tax 329 ----329 Other liabilities 27,424 6,791 76 431 22 34,744 276,884 89,744 1,436 11,584 271 379,919
Net on-balance sheet financial position 53,106 970 (73) 14 20 54,036
Off balance sheet (liabilities) 41,292 52,732 (34) (6,744) - 87,246
At 31 December 2009
Total financial assets 264,568 53,743 1,522 13,047 327 333,207 Total financial liabilities 214,845 52,888 1,302 12,872 221 282,128 Net on-balance sheet financial position 49,723 855 220 175 106 51,079 Off balance sheet 24,710 74,880 (499) (5,354) (14) 93,723
80 Ecobank Nigeria Annual Report 2010 Maturity profile – on Balance Sheet
Up to 1 month 1 – 3 3 – 6 6-12 1 – 5 Over 5 months months months Years Years Total N'million N'million N'million N'million N'million N'million N'million 31 December 2010 Liabilities: Customer deposits 284,315 50,698 4,137 454 543 - 340,147 Due to other banks --939 ---939 Borrowings 226 - 342 569 2,623 - 3,760 Current income tax ---329 --329 Other liabilities 2,943 2,232 2,025 27,544 --34,744 Deferred income tax liabilities ------Retirement benefit obligations ------Total liabilities 287,484 52,930 7,443 28,896 3,166 - 379,919 Assets: Cash and balances with central banks 19,437 -----19,437 Treasury bills and other eligible bills 4,929 2,707 6,676 7,677 --21,987 Due from other banks 100,339 -----100,339 Loans and advances to customers 107,070 39,425 10,232 5,718 68,663 - 231,108 Advances under finance lease 23 25 114 991 4,846 - 5,999 Investment securities --500 1,100 12,344 5,712 19,656 Other assets 33,500 95 44 314 783 692 35,428 Deferred income tax assets ----688 - 688 Property and equipment ----6,497 13,098 19,595 Total assets 265,298 42,252 17,566 15,800 93,821 19,502 454,239 Gap (22,186) (10,678) 10,123 (13,096) 90,655 19,502 74,320
31 December 2009 Liabilities: Customer deposits 206,234 34,216 1,339 1,844 198 - 243,831 Due to other banks 2,509 12,150 2,488 ---17,147 Borrowings ----885 3,691 4,576 Current income tax ---213 --213 Other liabilities 3,720 2,754 1,415 8,472 --16,361 Total liabilities (contractual dates) 212,463 49,120 5,242 10,529 1,083 3,691 282,128 Assets: Cash and balances with central banks 9,524 -----9,524 Treasury bills and other eligible bills 6,536 8,580 ----15,116 Due from other banks 73,490 -----73,490 Loans and advances to customers 93,089 17,626 1,709 5,243 66,052 - 183,719 Advances under finance lease 7 77 159 787 4,970 - 6,000 Investment securities 3,256 - 1,100 652 5,244 5,135 15,387 Other assets 23,615 4,904 1,452 ---29,971 Deferred income tax assets ----1,073 - 1,073 Property and equipment ----21,382 21,382 42,764 Total assets 209,517 31,187 4,420 6,682 98,721 26,517 377,044 Gap 2,946 17,933 822 3,847 97,638 22,826 94,916
Ecobank Nigeria Report 2010 81 Risk Management (continued)
Maturity profile – Off Balance Sheet
(a) Financial guarantees and other financial facilities Performance Bonds and financial guarantees (Note 27), are also included below based on the earliest contractual maturity date.
(b) Contingent letters of credits Unfunded letters of credit (Note 27) are also included below based on the earliest contractual payment date.
(c) Capitalcommitments Capital commitments for the acquisition of buildings and equipment (Note 27) are also part of the summary in the table below:
Up to 1 month 1 – 3 3 – 6 6-12 1 – 5 Over 5 months months months Years Years Total N'million N'million N'million N'million N'million N'million N'million 31 December 2010 Performance bonds and financial guarantees 3,116 11,927 1,964 24,850 4,562 - 46,419 Contingent letters of credits 4,867 12,296 4,647 793 --22,603 Bankers acceptances ------Guaranteed commercial papers 6,134 6,782 139 ---13,055 Forward exchange contract - 5,169 ----5,169 Capital commitments ------14,117 36,174 6,750 25,643 4,562 - 87,246 31 December 2009 Performance bonds and financial guarantees 1,107 5,003 5,644 5,426 20,734 - 37,914 Contingent letters of credits 7,250 10,784 1,973 ---20,007 Bankers acceptances 2,951 4,623 88 ---7,662 Guaranteed commercial papers 7,312 16,108 1,217 ---24,637 Forward exchange contract 3,503 -----3,503 Capital commitments --686 ---686 22,123 36,518 9,608 5,426 20,734 - 94,409
Capital management
Capital adequacy The Bank manages its capital base to achieve a prudent balance between maintaining capital ratios to support business growth and depositor confidence, and providing competitive returns to shareholders. The capital management process ensures that the Bank maintains sufficient capital levels for legal and regulatory compliance purposes. The Bank ensures that its actions do not compromise sound governance and appropriate business practices and it eliminates any negative effect on payment capacity, liquidity or profitability. Capital adequacy and the use of regulatory capital are monitored daily by the Bank’s management, employing techniques based on the guidelines developed by the Central Bank of Nigeria (CBN), for supervisory purposes. The required information is filed with the CBN on a monthly basis. Auditors to the Bank are also required to render an annual certificate to the Nigeria Deposit Insurance Corporation (NDIC) that includes the computed capital adequacy ratio of the Bank.
82 Ecobank Nigeria Annual Report 2010 The CBN requires each bank to: (a) hold the minimum level of the regulatory capital of N25 billion and (b) maintain a ratio of total regulatory capital to the risk-weighted asset at or above the minimum of 10%.
The capital adequacy ratio, which reflects the capital strength of an entity compared to the minimum regulatory requirement, is calculated by dividing the capital held by that entity by its riskweighted assets.The Bank’s regulatory capital as managed by its Financial Control and Treasury Units is divided into two tiers: • Tier I capital: (primary capital) represents permanent forms of capital such as share capital, retained earnings and reserves created by appropriations of retained earnings. The book value of goodwill is deducted in arriving at Tier 1 capital; and • Tier II capital: (secondary capital) includes preference shares, minority interests arising on consolidation, qualifying debt stock, fixed assets revaluation reserves, foreign currency revaluation reserves, general provisions subject to maximum of 1.25% of risk assets and hybrid instruments - convertible bonds.
The risk-weighted assets are measured by means of a hierarchy of five risk weights classified according to the nature of credit/counterparty risk and reflecting an estimate of credit risks associated with each asset and counterparty. A similar treatment is adopted for off balance sheet exposures, with some adjustments to reflect the more contingent nature of the potential losses.
The table below summarises the composition of regulatory capital and the ratios of the Bank for the years ended 31 December 2010 and December 31, 2009. During those two years, the Bank complied with all of the externally imposed capital requirements to which they are subject. 2010 2009 N’million N’ million Tier 1 capital Share capital 6,940 3,609 Share premium 54,119 11,917 Statutory reserves 6,621 6,621 SMIEIS reserve 1,150 1,150 Capital reserve 7,218 7,218 Retained earnings (1,728) (2,861) Deposit for shares - 46,366 Less: goodwill and intangible assets --
Total qualifying Tier 1 capital 74,320 74,020
Tier 2 capital -- General provision -- Total qualifying Tier 2 capital
Total regulatory capital 74,320 74,020
Risk-weighted assets: On-balance sheet 289,376 246,290 Off-balance sheet 40,786 58,760 Total risk-weighted assets 330,162 305,050
Risk weighted Capital Adequacy Ratio (CAR) 23% 24%
Ecobank Nigeria Report 2010 83 Share Capital History
The following changes have taken place in the Bank's authorised and issued capital since incorporation:
Date Issued Authorised Issued Fully Paid Nominal Value Remarks From To From To N(000) N(000) N(000) N(000) 1986 25,000 25,000 --N100 1989 25,000 50,000 25,000 25,000 N100 Cash 1991 - 50,000 7,500 32,500 N100 Bonus 1992 50,000 100,000 6,500 39,000 N100 Bonus 1994 - 100,000 50,000 89,000 N100 Cash 1996 150,000 250,000 44,500 133,500 N100 Bonus 1997 750,000 1,000,000 400,500 534,000 N100 Bonus 1999 - 1,000,000 118,667 652,667 N100 Cash 2001 1,000,000 2,000,000 453,110 1,087,778 N100 Bonus 2003 - 2,000,000 435,111 1,522,889 N100 Bonus 2004 - 2,000,000 217,556 1,740,445 N100 Bonus 2005 4,000,000 6,000,000 3,325,023 5,065,468 N0,50 Cash (STOCK SPLIT) 2005 - 6,000,000 348,089 5,413,557 N0,50 Bonus 2006 9,000,000 15,000,000 5,413,557 10,827,114 N0,50 Bonus 2007 - 15,000,000 - 10,827,114 N0,50 2008 -- -3,609,037 N0,50 Reconstruction 2009 -- -3,609,037 N0,50 Reconstruction 2010 - 15,000,000 3,609,037 6,939,975 N0,50 Special placement to ETI
84 Ecobank Nigeria Annual Report 2010 Ecobank Nigeria Report 2010 85 Senior management staff
EMPLOYEE NAME JOB FUNCTION ADE-JOHN, MOPELOLA OLUFUNMILAYO HEAD, CORE BANKING APPLICATION SECONDMENT JAFIYA, SHEHU HEAD, PUBLIC SECTOR UMADIA, KINGSLEY ONOCHIE HEAD OPERATIONS LAOYE, ADENIKE COMPANY SECRETARY/CHIEF LEGAL COUNSEL KOMOLAFE, GODWIN SUNDAY OLUFEMI HEAD, INTERNAL AUDIT DEMOLA-ADENIYI, OLUKOREDE HEAD, TREASURY UNIT EBUBE, VINCENT CHUKUEKU HEAD, CONSUMER BANKING, EAST DADA, OLUGBOYEGA AKINWANDE HEAD, TECHNOLOGY AREMO, FELIX IDOWU HEAD, RISK MGT GROUP ONABANJO, OLUKEMI FOLASADE HEAD, HUMAN RESOURCES BALOGUN, ROTIMI ISMAIL HEAD, CORPORATE BANK, NORTH OLANIYAN, KOLAWOLE RISK MGT GROUP SECONDMENT AJAYI, FUNMI HEAD, RETAIL NWOSU, CLIFFORD OKECHUKWU HEAD, E-SOLUTIONS SECONDMENT AFOLABI, BILIAMINU ATANDA HEAD, INTERNAL CONTROL OGUNDEJI, BENSON OLASIMBO GLOBAL ACCOUNT MANAGER FASUYI, OLAWALE OLATOKUNBO HEAD, LOCAL CORPORATE OLUKOYA, OLUYEMISI ADEBUSOLA HEAD, COMPLIANCE OGUNDIPE, KEHINDE GBENGA REGIONAL HEAD, SME, NORTH UKPEVO, GODSON OLOGBO HEAD, CONSUMER BANKING, NORTH OGBALU, MICHAEL OBI HEAD, E-PRODUCT & REMITTANCES AMANGBO, EZIASHI STEPHEN HEAD, TRADING AKINSEYE, MOJI TAIWO REGIONAL MANAGER, SOUTH WEST MARTINS, BOLAJI RICHARD GLOBAL ACCOUNT MANAGER
86 Ecobank Nigeria Annual Report 2010 MANDATE FOR e-DIVIDEND PAYMENT
ECOBANK NIGERIA PLC EDC SECURITIES LIMITED RC 89773 137/139, Broad Street, Lagos 01-7301260-1
It is our pleasure to inform you that you can henceforth, collect your dividend trough DIRECT CREDIT into your Bank Account. Consequently, we hereby request you to provide the following information to enable us process direct payment of your dividend (when declared) into your bank account.
Shareholder’s Account number Date (DD/MM/YYYY)
Surname / Company name
Other name (for individual Shareholder)
Present postal adress
City State
E-mail address
Mobile (GSM) Phone number
Bank name
Branch adress
Bank Account number
Bank Sort Code
I/W hereby that from now, all dividend warrant(s) due to me/us from my/our holding(s) in all company you are Registrars to be mandated to my/our Bank named above.
Company’s Seal/Incorporation number (Corporate Shareholder)
Shareholder’s signature or thumbprint Shareholder’s signature or thumbprint
AUTHORISED SIGNATURE & STAMP OF BANKERS
Ecobank Nigeria Report 2010 87
Proxy Form
23rd Annual General Meeting to be held at Shell Hall Muson Centre, Onikan Lagos on June 23, 2011 at 11 A.M.
I/WE______RESOLUTIONS FOR AGAINST being a member/members of ECOBANK NIGERIA PLC, hereby appoint______or To receive and consider the Report of the Directors, the Audited Financial failing him, the Chairman of the meeting as my/our proxy to Statements as at 31st December, act and vote for me/us and on my/our behalf at the 23rd 2010, the Auditors Report thereon Annual General Meeting of the Company to be held on June 23, and the Audit Committee’s Report. 2011 or at any adjournment thereof. To re-elect Directors retiring by rotation. To appoint Akintola Williams Deloitte as independent auditors and authorize the Directors to fix the Dated this ______day of ______2011 remuneration of the Auditors. To elect members of the Audit Committee for the ensuing year. To approve the remuneration of Non- Shareholder’s Signature______Executive Directors. Please indicate with a “X” in the appropriate square how you wish your votes to be cast on the resolutions IF YOU ARE UNABLE TO ATTEND THE MEETING set out above. Unless otherwise instructed, the proxy will vote or abstain from voting at his discretion. A member (Shareholder) who is unable to attend an Annual Ge- neral Meeting is allowed by law to vote by proxy. The above proxy form has been prepared to enable you exercise your right to vote, in case you cannot personally attend the meeting. Please sign this proxy form and forward it, so as to reach the of- fice of the Secretary, 7th Floor , Plot 21, Ahmadu Bello Way, Vic- toria Island, Lagos not later than 48 hours before the time fixed for the meeting. If executed by a Corporation, the Proxy Form should be duly executed by the appointor. It is a requirement of the law under the Stamp Duties Act Cap 411 Laws of the Federation of Nigeria, 1990 that any instrument of proxy to be used for the purpose of voting by any person en- titled to vote at any meeting of shareholders must be stamped by the Commissioner for Stamp Duties. The Proxy must produce the Admission Card below to obtain en- trance to the Meeting.
23rd Annual General Meeting ADMISSION CARD
Please admit the Shareholder named on this card or his duly appointed proxy to the Annual General Meeting of the company to be held on June 23rd , 2011 at the ______
Name: ______
Address:______
Signature: ______
Number of Shares:______
ADELEYE JAMES OWOLABI ADEYANJU ADEDAYO OLAOLUWA AGBOR HILARY, BASSEY AJAYI VICTORIA BOLAJI Unclaimed Certificate(s) ADELEYE JIDE ADEOLA ADEYANJU ADEFUNKE OPEOLUWA AGBOR LAWRENCE AGBOR AJAYI YEMISI ADELEYE MODUPE OMOWUNMI ADEYANJU OMOTAYO ADEWUMI AGENE ENYOJO MOFEOLUWA AJEGUNLE BAMIDELE HENRY ADELEYE SOLOMON ADESESAN ADEYELE ABAYOMI MAUTIN AGHIDI PATRICK ODION AJEGUNMA ERIC TIJANI ADEBAYO OLAJIDE OLUWAPELU ADELEYE WAHEED OLANREWAJU ADEYELU SAMUEL OLUTAYO AGHWUTE STANLEY T.EFEREMO AJEINU OCHIGBO Shareholder Names ADEBAYO OLANIKE ADEPEJU ADELUSI OBAFEMI ADEREMI ADEYEMI BABATUNDE AJANI AGI MICHAEL AJENIFUJA ADEWALE RASHEED ADEBAYO OLAREWAJU VINCENT ADELUSI OLUWADARE JAMES ADEYEMI ISHOLA SABURI AGIDEE OLADIPO AJENIKUMO EBUN ABAGU MPALEGHGA AHUR ADEBAYO OLUWAFOLAYINKA RACHEL ADEMAKINWA BABAFEMI ADEYEMI IYABO BIMBO AGILEBU IFEANYI ELELE AJEPE ABIOLA OLUDOLAPO ABAJUO CHIBUZO DONALD ADEBAYO SEBILI ALANI ADEMOLA OLUWABUKOLA AJOKE ADEYEMI KENNETH SOLA AGILI BENJAMIN CHIZEA. AJETUNMOBI OLUFEMI AYODELE OLATUNJI ABALU NKEMDILIM CHINONYE ADEBAYO SUNDAY, ABIMBOLA ADEMOLA VICTOR MUBO ADEYEMI MICKAEL ADEMOLA AGIM LUCY AKPOGWU AJETUNMOBI-AYENI JOKOTARA OLUFUNSHO ABALU OBY GEORGELINE ADEBESIN OLUSEGUN, ADEMOLA OYE (NIG) ENTERPRISES ADEYEMI OLATUNDE SUNKANMI AGINA GODWIN AJEWOLE GABRIEL ADENIYI ABANIFI DANIEL NDUBISI ADEBISI ADEREMI AJANI ADENAKAN NATHANIEL ADEYEMI OLUWAKEMI ADENIKE AGIOBU DESTINY DAMIGIBI AJEYI OMADACHI INNOCENT ABASHIN KEHINDE RAHMAN ADEBISI BABS OLUSEGUN ADENEKAN ADEDAYO OLUBIYI ADEYEMI PAISE ADEOLU GBENGA AGOCHE JOSEPH EKWOTE AJIBADE AJOKE MERCY ABATAN OLADIPO STEPHEN ADEBISI KEINDE KINGSLEY ADENEKAN MUKAILA ADEDAYO ADEYEMI OLUWASEGUN ADEWALE AGOGO JOSHUA OMONIYI AJIBADE BOLANLE AGBEKE ABAYOMI-OLAITAN TIRELOLUWA PRECIOUS ADEBIYI FOLASHADE ADEDAYO ADENEYE ADELEKE OLA ADEYEMO ADEMOLA MICHEAL AGOH CHRISTIE NGOZI AJIBADE IDOWU NAJEEM ABAZIE EDITH MONICA ADEBIYI NEEMAT FOLAYEMI ADENIHUN FRANCIS OLUWOLE ADEYEMO BABAJIDE ADEBANJO AGOHA TOCHUKWU MICHAEL AJIBADE OLABISI ADEBIMPE ABDOULKARIM AWALI MAHAMMADU ADEBIYI OLALEYE ADENIJI J O C ADEYEMO SAMUEL OLUSOLA AGOMEZE CHIDIEBERE JONATHAN AJIBADE RAUFU ABDUL AYOMIDE MUTHKABRU ADEBIYI OLUFEMI LEKAN ADENIJI PATIENCE EMUOBOSA ADEYEMO SUARA IYIOLA AGONO PETER, IDACHABA AJIBADE ROSELINE TRENE ABDUL YEKINI OLUGBENGA ADEBIYI OLUSEFUNMI ABEGBE ADENIJI WILLIAMS B. 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(SNR) AGWUBILO OBINNA AKAHMU AREMU OLASUNKANMI ABIONA SAMUEL KEHINDE ADEFILA OLUWOLE, PETER ADEPEGBA BINTU, ADJARTEY IMAONYANI AGWUEDU EUGENE EMENIKE AKALA ADETOUN MONSURAT ABIOYE MUDASIRU, KOLAWOLE ADEFIOYE IFEOLUWA ABIOLA ADEPEGBA OLUSEGUN ADEROTIMI ADJEKUM DANIEL AGWUYE ENYADIKE SUNDAY AKAN0 ADEOYE ABISAYO OLAJIDE HENRY ADEFULE ADEYEMI IDOWU ADEPOJU ABAYOMI BABATUNDE ADOGBO EBENEZER EGIGANYA AHABUE LUKCY AMEZE AKANANIM FRANKLYN ABODERIN BOLATITO BIDEMI ADEFULE IGBAGBOYEMI ADEPOJU BASIRU ADEWALE ADOH TONNIE AHAMBA BETTY, AKUNNA AKANBI FOLARANMI OLUFEMI ABODURIN THELMA IYIOLA ADEFULE SOLOMON OLUSOLA ADEPOJU ODUNOLA ADEDAYO ADOKI KALAMBA, AUGUSTA OMATIE AHMAD RUFAI BASHIR AKANBI KIKELOMO, .S ABOH AGBO, ADEFUYE ADEBOLA ADEWALE ADEPOJU SAMUEL ANWO ADOLOR STELLA AHMED ADENRELE ADEPOJU AKANBI MOSES GHANEM ABOLADE OLUWASHOLA ADEFUYE COMFORT MOPELOLA ADEPOJU TOYOSI MICHAEL ADOLUPHUS ISREAL AHMED ADEOTI ROLAYO AKANDE BAMIDELE VICTOR ABOLARIN GABREIL AKANBI ADEFUYE JAMES TEKOBO ADERELE ADEDAYO ADONON BRICE AHMED ALEXANDER I.O AKANDE ENNIFER, EMIKE ABOLARINWA MODUPE BAMIDELE ADEFUYE JULIUS AJIBOLA ADERIBIGBE ADEBISI MORADEUN ADONYS IGWE CHIJIOKE AHMED AMINA MOJIBOLA AKANDE FOLASHADE FUNMI ABORODE MUSIBAU, ADEWALE ADEGBALA OLUBAYO ADERIBIGBE AKANBI, R. 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AINA BANDELE OLANREWAJU AKAYA CONSTANCE ACHEBE MICHAEL CHUKWUEMEKA ADEGOKE OLAWALE O. ADESEYE MARGARET AFEME MOSES LARYEA AINA KOLAWOLE, OLUWAGBEMIGA AKEGH SUAKOR, PETER ACHU GOODNEWS I. ADEGOKE OLUBUNMI, TOSIN ADESHINA MOSES OLUWASEGUN AFIEGBE PIUS OGHENEROBO AINA MICHAEL OLUSEGUN AKEJELU SAMUEL, YOUNG ACHUMBA CLEMENT IHEANYI ADEGOKE RASHEED SEGUN ADESHINA MURAINA AFILAKA JOHN GBOYE AISIDA (RTD) FRANCIS O. 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AKINLOLU HEZEKIAH OLUSEGUN ALABA OLUFUNKE ADUKE AMORIGHOYE ESIGBEMI O ARO VICTOR OLADUNJOYE AYENI OLUKAYODE ABIMBOLA BANKOLE LAI BOLA AKINLOLU ROBERT OLADEHINDE ALABA SURAJUDEEN ADEWOLE AMORIGHOYE LILY OLUDEWA AROFIN VICTOR OLAKUNLE AYENI PHILIP OJEOMOGHA BANKOLE LAWRENCE ESAN AKINLOSOTU CLARA OMOLARA ALABI ADETULA AUGUSTINE AMORIGHOYE ORITSEMEYIWA AROGBA SUNDAY SALIFU AYEWAH OMONUWA LUCKY BANKOLE OLA JAMES AKINLOTAN EMMAN AKINOLU ALABI AMUDAT OLAWUNMI AMOS ADENIKE OLUWATOYIN AROGUNDADE MOSUNMOLA, OLUSHOLA AYI GRACE, EKPONWAN BANKOLE OLUTOSIN MICHAEL AKINLOYE ADIJAT BOLANLE ALABI BIODUN, AMOS EDIOMO OTOBONG AROGUNDADE OLATOMIWA AMOS AYIDU OLEMEKU FELICIA BANKOLE AFUSAT AKINLOYE AHMED OLADIMEJI ALABI EMMANUEL AYODELE AMOS PEACE, DEIN AROMIRE SIKIRAT JOKOROLA AYILARA ADEBIYI MAFIKUYOMI BANKOLE-RACE ENITAN OLUREMI AKINLOYE AISAT MOTUNRAYO ALABI FOLASADE MORENIKE AMOS STANLEY AROMIWURA ADELE ADEREMI AYIMAJE IBRAHIM BANKOLE-WRIGHT ATIYEKEBA IYIAGOGO AKINLOYE AKINTUNDE, SEGUN ALABI HAWAU OLABISI AMOSU MUKAILA AROWOIYA ISRAEL AIYEYEMI AYINDE MUTIU AKINSEHINDE BANSAL MANISH AKINLOYE MARIAM ADERONKE ALABI JOHN OLADEJI AMOSU SIMEON SONOLA AROWOLO BABATUNDE QUADRI AYINDE RUFUS AYINDE BARDI EMMANUEL CHUKWUKA AKINLOYE OLULEYE ALABI LOVETH FUNMILAYO AMOSUN VINCENT OYEYINKA AROYEWUN OLADIPUPO, WASIU AYIYA BIKIMI, BITRUS BARIDOMA BARISI AKINLOYE OLUSEGUN OLAYIWOLA ALABI MARY AMUDA AREMU, YAKUBU ARTHIABUAH ANTHONY KOFI AYOADE OLUWASEGUN ADEWALE .D BARUWA LAMIDI AKINLOYE SURAJU OLANREWAJU ALABI MOSES ADEDOKUN AMUDA-GIWA SULAIMAN OMOTESHO ARTHUR ADOLF AYODELE ABIODUN BASHIRU TAHIRAT ADUNNI AKINMOLADUN ISAAC AFOLABI ALABI OLADELE ADEBIYI AMUNEH JOSEPH SHAKEDE ARTHUR IRENE EFE AYODELE KASOPE BASHORUN SALAU ADESHINA AKINNUOYE OLAYINKA JOSEPHINE ALABI OLADELE ADEBIYI AMUNGO ZILPAH NGO ARTHUR PATIENCE EDET AYODELE OLUWAKEMI MARY BASSCOMM NIGERIA LIMITED - - AKINNUOYE TEMIDAYO ALABI OLUWATOFARATI ADEBAYO AMURE ADESOLA TUNDE ARUBALEZE CHRIS OKEY AYODELE OMOLOLA TITILAYO BASSEY ANIEFIOK, OMEN AKINOLA ABDULAH AKINWALE ALABI OLUWATOMIWA ADEDAMOLA AMURE PAUL OLATUNDE ARUKWE CAROLINE OBIANUJU AYODELE PEACE ADETOKE BASSEY ANTHONY JUDE AKINOLA ADEBOWALE ABODUNRIN ALABI TEMITOPE BAMIDELE AMURUCHE ONYEBUCHI, VINCENT ARUM MELLETUS CHIMA AYODELE PETER ABIODUN BASSEY IMEH OKON AKINOLA AKINWALE OLUBAMIWO ALABI-OYO FEYISAYO OLUWAPELUMI AMUSA MARY OLUYEMISI MARY OLUYEMISI ASALU AKINTUNDE AYODELE TOMILOLA ELIZABETH BASSEY IMOKE, ASIKONG AKINOLA BAMIDELE ALADE EZEKIEL ADEBAYO AMUSAN EBENEZER TEMITAYO ASALU AKINTUNDE AYODELE TUNMISE JEREMIAH BASSEY JULIET JOHN AKINOLA DAVID OLUSOLA ALADE FRANCIS OLUFEMI AMUTA EMEKA IHEANYI ASAMAH ISI T. 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ANAKEBEH TONY OGECHUKWU ASHAYE AWUJOOLA OLAMIDE AYOKO BENSON ADELAKUN BECKLEY JOHN ADEREMI AKINPELU RAMON OLADOSU ALADI ALLOYSIUS ANALO CHRISTOPHER ASHIKENI MONICA OBUWA AYOMANOR WILLIAM OVWIGHETETE BEJIDE ELIJAH OLABISI AKINREMI DETOLA, ALADI BEATRICE CHINOYELU ANANA ENOBONG JAMES ASHIRU AZEEZ, ADEBISI AYONOADU WILLY ESAU BEJIDE ELIJAH, OLABISI AKINRIBIDO EZEKIEL OLUWAYEMISI ALADI FRANCIS CHIJOKE ANCHOR-MARIC NIG.LTD ASHIRU SHAKIRU FOLORUNSHO AYOOLA AYOBAMI BARRY BEKIBELE VIVIAN, OGHENETEJIRI AKINRINLOLA MORAKINYO ALADI VICTOR CHUKWUEBUKA ANDRE BOLANLE, GETRUDE ASHLEY JOSEPH ADEBO AYOOLA AYOBANJI OLUROTIMI BELENTA AJARA AKINROLABU JOKE MERCY ALAGBE ADEDOLAPO AYINLA ANDREW AKPAN AKPAN ASIEGBU ANTHONIA OBIAGELI AYOOLA BOLATITO CLARA BELLO ABASS, MOFOMOSARA KOLAWOLE AKINSANYA ABISOLA KAFAYAH ALAGBON MATTHEW ADESHINA ANDREW MOSES ASIEGBU HARRISON AYOOLA LUCY, OLADUNNI UZOMA BELLO ADEBIYI AYINDE AKINSANYA ADEBOLA, ALAGOA JOSEPH, GBANAMONYO ANEKE ALEXANDER, OBIORA ASIEMOR OGHENEVO JOHNSON AYOZIE ROSE, EKWUTOZIAM BELLO ADERONKE KUDIRAT AKINSETE OLAYINKA ALAKIJA OLUKEMI ANEKE ROSALINE MINIKA ASIESBU JOHN NKACHUKWU AYUK AGBOR OJONG BELLO AHMED RUSA AKINSETE ALBERT WALEOLA ALALADE FELIX OLAOLU ANEKWE EUGENE LOTANNA ASIJE TONY AZEEZ ABIODUN JIMOH BELLO AJAYI AKINSHILO BOLAJI JNR ALAMBA OGHONNAYA CHRIS ANEKWE NDUBISI U ASIKA YVETTE ULOMA AZEEZ OMOYEMI MAUME BELLO ALIYU ABBAS AKINSHILO OLUWASEUN ALAMU OLANIYI ABRAHAM ANEKWE OBIANUJU CHIKA ASILA MYLIUS, SAM AZEEZ WAHEED ADEBAYO BELLO BOLANLE AMINAT AKINSHOLA EMMANUEL O. ALAMU RAUF OLOYEDE ANELE KINIKANWO AZNUNDA ASINDI IMAOBONG ANDREW AZERE VICTORIA AYINKE BELLO CHRISTABEL EDORE AKINSIPE OMOLAYO ALAMUNA BASHIR, BALA ANGA ALEXANDRA LARABA ASIODU AUGUSTA NKADI AZI AYUBA, JOHN BELLO GBOLAHAN RILWAN AKINSOLA BABATUNDE ADEMOLA ALAO EMMANUEL, OLUWATOSIN ANI FELICIA, NGOZI ASIODU ELIZABETH DUMEBI AZU IFY BELLO HABIBA OMOWUMI AKINSOLA DAVID, OLUSEGUN ALAO OLUGBENGA A. ANI IKECHUKWU JUDE ASOKA NKEM, AZU INNOCENT OKWULEHIE BELLO IBIWUNMI IBIYEMI AKINSOLA EBENEZER OLUSOJI ALAO-PETERS DANIELA OFUFEKE ANI MATHIAS ASOMUGHA UNOMA, ADA AZUARU SOLOMON BELLO ISIAKA, AKANDE AKINSOLA HAASTRUP BABATUNDE ALAWIYE MOSHOOD ABIODUN ANI ONYEBUCHI JONATHAN ASOMUGHA UWEMEDIMO EDET AZUBIKE CHINYELU FRANCIS BELLO KOLAWOLE GHAFFAR AKINSOWON HENRY OLATOKUNBO ALAWODE FESTUS ANIAKOR JOY NNEKA ASONYE ANTHONY AZUBOGU PATRICK OGOGBUNAM BELLO LATEEF OLUFEMI AKINSULIE TOLULOPE AKINYEMI ALAWODE ISAAC, OLADEPO ANIBABA ADEDIJI BABATUNDE ASOR ADAGA WILFRED AZUBUIKE NDUBUISI NNAMDI BELLO NKOYO ESIN AKINSUNMI BOLANLE STELLA ALAWODE WAHAB ABIODUN ANIBABA KAYODE BOLARINWA ASSAM EMMANUEL, JOSEPH AZUKE LAZARUS ONWUHAI BELLO OLUYEMI FRANCIS AKINSUYI OLASUMBO, IBITOLA ALAZOMA IKECHUKWU JUNIOR ANIBABA TITILAYO SOLAPE ASSIAN MICHAEL, JACOB AZU-OKWUEDOE PHILOMENA UCHE BELLO UMAR, FARUK AKINTAYO FUNKEYI ALBERT QUEENSLY OBIANAUJU ANIE EMEKE MARSHAL ASU JANET BESSONG BAADARANI MANAR BEMAN INVESTMENT NIG LTD AKINTAYO KUNLE ALE ATINUKE, TAIWO ANIEDI COMFORT, TIMOTHY ASUELINMHEN CYRIL BABADELE AYODELE OLU BEN HART JOSEPHINE AKINTOLA AMOS OWOLABI ALE JOSEPH TIMI OLUWAFEMI ANIEDI TIMOTHY, ASUEN ABIEYUWA IRENE BABADUMI MARY OLUWATOYIN BENEDICT STEPHEN OYEBOLA AKINTOLA ISAAC YELE ALEBIOSU JOSEPH OLATUNJI ANIEDU CHUKWUDI OBIEFOKA ASUOHA CYPRAIN CHUKWUEMEKA BABAFEMI ALPHONSO AKINOLA BENEDICT UCHE AKINTOLA OLUWATOSIN, AKINWANDE ALEGBELEYE MICHAEL OLANREWAJU ANIEKWE IKECHUKWU EMMANUEL ASUQUO CYRIL TIMILEHIN BABAJIDE ALABA, OLAKUNLE BEN-EDUWO KOMEH PRINCESS IBIATELI AKINTOLA REBECCA FUNMILOLA ALEKEH OMEREFI GODWIN ANIELO VALENTINE NDUBUISI ASUQUO DOROTHY E. BABALOLA BASIRA YEMI BENENIMIBOR TALBORT AKINTOYE ISAAC, TOLUWALOJU ALEX-ODUNSI JANET OLUFEMI ANIEMEKE TONY .O. ASUQUO EMMANUEL EDWARD BABALOLA ESTHER YINKA BENJAMIN COMFORT I. AKINTOYE RUFUS AJIBOLA ALFRED NSIKAK ANIETIE-EFFIONG CHUKA DERRICK ASUQUO EVELYN EYO BABALOLA LOOKMAN AJIBADE BENJAMIN VALENTINA .T. AKINTUNDE ADEKUNBI OLUFUNKE ALHASSAN MOHAMMED, MUSA ANIEZUE ESTHER IJEOMA ASUQUO HELEN BEDE BABALOLA OLUSEGUN BABATUNDE BENSON ADEDAPO OLUWATOFUNMI AKINTUNDE FESTUS, ADEKUNLE ALICHE ANTHONY UGOCHUKWU O.C. ANIFOWOSE EUNICE OLUYEMISI ASUQUO JOSEPH AUGUSTINE BABALOLA OLUWAKEMI EBUNOLUWA BENSON-EDEH CHIJIOKE WELI AKINTUNDE HAKEEM ADEWALE ALIH NOAH ANIFOWOSHE ABULRAFIU AKANNI ASUQUO LIVINUS PATRICK BABANUMI SUNDAY SEGUN BERECHI EMMANUEL I AKINTUNDE OLUBUSOLA ATINUKE ALIKOR EMMANUEL AMESI ANIFOWOSHE MARY FOLASHADE ASUQUO PATRICK MICHAEL BABARINDE GABRIEL TUNDE BERNABAS BERNICE, AKINTUNDE PAUL B. ALIMIKHENA JOHN OSIGBEME ANIGBOGU OKWUCHUKWU NICODEMUS ASUQUO UTANG EDET BABARINSA RISIKAT, ADEWUNMI BERNARD ADEMOLA, OLUWAGBEMIGA AKINTUNJI AMOS, AKINNUBI ALIMSON TAWAKALIT TAIWO ANIH CHIOMA DEBORAH & ONYINYE ASUQUO VERONICA EDET BABATOLA OLADAPO OLADIRAN AYOTUNDE BETIKU MARY ABIKE AKINULI JONES, IGBEKELE ALISA AMANZE F. STELLAMARIS ASUQUO VICTORIA EDET BABATUNDE ADEKEMI ASISAT BEWARAN PANMWA SIM AKINWALE JEMIMA OLUREMI ALIU IREIFEOLUWA TOLUWALASE ANIJAH CHUKWUDI PETER ASUQUO VICTORIA, BABATUNDE FOGOFOLUWA OLADIPUPO BHADMUS TOLULOPE USMAN AKINWALE OMODELE ADENIKE ALIYU MANDILA KAROFI ANIKE DEBORAH ADAOBI ASUZUO MODESTUS CHINEDU BABATUNDE OLUKUNLE JOEL BHUTTO LARABA, ELSIE BINTA AKINWALIE CLEMENT ALIYU MUSA AGANA ANIM RICHARD ATAGANA VERA IRIS BABATUNDE TOLUWALOPE OLAWALE BIINA MEEBARI, RACHEAL AKINWANDE CHRISTIANA EBIOBOERE ALJUDEX INT. LTD. ANIMASAUN ADESOLA, KUDIRAT ATALOR SAMUEL OKAFOR BABTUNDE TOLUWANI ENIOLA BILLY KETUNI AKINWUNMI NAJIM OLAYIWOLA ALLEN CHRISTOPHER TAMUNO TONYE ANIMASHAUN FATAI ABAYOMI ATANMOKUN ADEBAYO LAWRENCE BADA ABIODUN SUNDAY BIOBAKU GABRIEL OLAFARE AKINWUNMI TEMITAYO MICHAEL ALLEN HERBERT ADEMUYIWA ANIMASHAUN GANIAT OLAYINKA ATAWE KPAROBO BADARU GABRIEL ADEGBOYEGA BIOBAKU OLUGBENGA OLANREWAJU AKINYANJU MILDRED FOLASADE ALLEN OLUFEMI VICTOR ANIMASHAWUN MUSILIU ADEDEJI ATAWE VWARE BADARU MOJISOLA OLURONKE BITMUK JAMES DANLADI AKINYELE J. OLUWAFIROPO ALLI TAOFIK ABIODUN ANJORIN OLUBUNMI .E. ATEBOH CHARLES KURONAKEGHA BADARU OLUFADELE ABIDEMI BOADU VICTOR AKINYELURE TOM SOJI ALLI TIAMIYU ANKA MAMMAN ATEMIE DIEPIRIYE ORINAWENGIBO STEPHE BADEJO ATINUKE OLUWATOYIN BOAHENE JOHNSON AKWASI AKINYEMI ADEBAYO OKHIDE ALLISON ABISOGUN ANOCHIWA SOROCHI PAULINUS ATEY PASTEUR EMMANUEL BADEJO OLAWUNMI BOB MANUEL LESLIE AKINYEMI ADEWOLA ALLISON SHUKURAT AINA ANODO NOBLE UZOCHUKNU ATIBA CATHERINE OSE BADEJOKO LAWRENCE ADEBORI BODEDE OLUWOLE AYODEJI AKINYEMI DAVID OLUDAYO ALLIYU SIKIRU BUNMI ANOKA OBIAGELI GRACE ATIBA NURUDEEN OLURANTI BADEJOKO(DECD) BADEJOKO YANA(ADMOR) BODUN OLUWADAMILOLA SAMUEL AKINYEMI ELIZABETH O ALLO BABATUNDE ANOKWURU BERNARD ATIVIE JOSHUA KAYODE GABRIEL BODUNRIN STEPHEN ADEBAYO AKINYEMI FOLUKE OYINLOLA ALLWELL-BROWN BARA ANORUE EDWARD CHINEMEREM ATOBATELE ADEBAYO OLABIRAN BADIRU KEHINDE ADEFOLAKE ADENIYI BOJUWOLA MUJIRAT ASAKE AKINYEMI JOHN AKINWUNMI ALMON LIMITED ANORUO PAUL CHUKWUKA ATOBATELE JOHN OLATUNDE BADMOS AJIBOLA ABBAS OWO NWA MI BOLA ROTIMI ADEMOLA AKINYEMI JOHNSON ALO OLADIMEJI ANOSIKE ISAAC CHIJIOKE ATOKI OLASUNKANMI PETER BADMUS ABAYOMI OLANREWAJU BOLA-KUKU OLUWASOLA AKINYEMI OLUMUYIWA, OLUSOLA ALOGBA OLABISI ODUNOLA ANOSIKE JOY, OKWUCHI ATOLAGBE JOSEPH OLAYIWOLA BADMUS OLUFEMI SAKIRU BOLARINWA FAUSAT OMOWUNMI APINKE AKINYEMI TOLULOPE OLUTOYIN ALONGE ISAAC OMEIZA ANTHONY KOLAWOLE CLAUDIUS ATOLOYE ONABUKUNOLA OLUBUNMI BADMUS OLUSEGUN JIDENU BOLARINWA JULIUS YINKA AKINYEYE TIMOTHY BOLUWAJI ALONGE MOSES BABATUNDE ANTHONY OBAFEMI ABIODUN ADETOUN ATOYEBI MODUPE OLUFUNMILAYO BAGUDU NANKIN SAMUEL BOLARINWA KOLAWOLE ABIODUN AKINYOYENU ILESANMI SMART ALONGE SAKA, ISOLA OLATUNDE ANUEYIAGU ANTHONY EMEKA ATOYEBI OLUWOLE AYOOLA BAILEY CHARITY, OYANNANE BOLARINWA OLUFUNLOLA EUNICE AKIODE ADISA OLA ALONGE SUNDAY OJO ANUMNU CHIBUZOR RAYMOND ATTAGUBA MUSA CLEMENT BAIYEKUSI TIMEYIN BOLASHODUN GILBERT ABAYOMI AKIOLU KUDIRAT ALOR FRANKLYN THOMPSON IKECHUKWU ANUSI AMARACHI COMFORT ATTIOGBE AMUSU T. BAJIMI SAMUEL OWODUNNI BOMS FYNA NWOBIAREIRI AKISANMI CHRISTIANAH A. ALOTU CHIDIEBELE ANUTA FRANKLIN, ATUNNISE ALBERT, BANJI BAJULAIYE OPAYEMI OMOLARA BONIFACE BLESSING, AKISANMI-SAMUEL BABATUNDE OLUSOLA ALOWONLE HAKEEM, OLADEINDE ANWANA EKAETTE FAVOUR ABANASANG ATUWAOGU CHRISTOPHER N. BAKARE ADENIYI, COLE BONUOLA OLOLADE AKISANYA AYOTUNDE ALOZIE PAUL OGBONNA ANWATU UDOKA MISHAEL AUDIFFEREN OLUYOMI OLUJIMI BAKARE ADEYEMI AKINTAYO BORODE ADETOLA HANNAH MONIUNOLA AKIVIE FRANCA ALUBANKUDI BISI ANYA ADA AUDU KAYODE, MOHAMMED BAKARE AKANBI GANIYU BOROH RUKEME GABRIEL AKO EMOBOTSEMHE INNOCENT ALUEDE JAPHETH ANYA FRANK UME AUDU MOHAMMED SALE BAKARE GANIYU ABIOLA BOT DUNG AKOJIE JULIUS AYOBORE CARL ALUEDE MONDAY IGBERASE ANYADIKE MARTINS, IFEDILICHUKWU AVOAJA OBILO, IKECHUKWU BAKARE IDIAT ADEDOJA BOWLES ANTHONY JOHN AKOKO IMBE, MILLER ALUGBIN SAMUEL ADEREMI ANYAEGBU CHUKWUDI UCHE AWA CHINELO BAKARE JIMOH BOYO ALBERT STEPHEN AKOMA UZOMA ALUKO ADEBISI ANYAEGBU ONYEBUCHI AWE OWOLABI EMMANUEL BAKARE KEHINDE & TAIWO BOYO HELEN TORISEJU AKONI ADETUTU OLUREMI ALUTU BENNETH MADUKWE ANYAEGBU UCHECHUKWU GODWIN AWESU LATEEF BAKARE KOLAWOLE MUHEEB BOYO-EKWUEME HELEN ADEYINKA AKONI IYANUOLUWA TOLULOPE AMADAK JOSH CHARLES ANYAEGBUNAM OBI AWHOTU THERESA OCHUKO BAKARE MOSOPE BRAIMAN KOLAWOLE MUDASHIRU AKONI OLUYOMBO ADEDEJI AMADI ERNEST NNAMDI ANYAELE CHARLES OGBONNA AWO JOHN, BAKARE STEPHEN BRESS FRANCIS OLUFADERIN AKOR RAPHEAL AMADI INNOCENTIAN CHINYERE ANYAERI FELIX, UCHE AWOBAYO STEPHEN, BAKARE YINUSA BRIGGS FRANCIS AKOREDE ADEOLA OLUBUNMI HALIMAT AMADI JUSTINA PRECIOUS AMARACHI ANYAKOHA CHINWE NNEKA AWOBOTE OLUDAYO, OLUGBENGA BAKINSON ABDUL RAZAK, ADEMOLA BRIGGS NGO, FORTUNATUS AKOREDE ADETOLA JAMIU AMADI KINGSLEY OBOCHIOMA ANYAKORAH IFEANYI AWODELE JOAN ONI FUNMI BAKRE TEMITOPE R.IBIDAPO BRIGGS NGOZI, DOKUBO AKORODA CHARLES GODWIN OTERI AMADI LEONARD, ANYALEBECHI CHUKWUEBUKA AWODELE JOHNSON ADEBAYO BALLA UMAR YERIMA BRIGGS JOHN IBINABO AKPAKPAN UDO JAMES AMADI LUCKY, EZINWANYI ANYALEBECHI WILFRED AWODIBU MICHAEL BALOGUN ADEOLA OLUGBENGA BROWN CLAUDIANA ADEJOKE AKPALA PATRICIA IFEANYI AMADI MORRISON, ONYEANUNAM ANYALEWECHI DENIS, OHAERI AWODUYILEMI IYABODE OLUWASETO BALOGUN ADEWALE BRUCE CHARLES AKPAN AUGUSTINE UDOIKPA AMADI NIXON NKANIYEOWAM ANYAM LINUS OKEY AWOEESO ABIODUN BALOGUN ADIJAT BUKOLA BUCKNOR RHODA IDOWU AKPAN COMFORT AMADIN ADESUWA ESTHER ANYAMELE CHIBUIKE MARTIN AWOFISAYO ADEBOYE BALOGUN ANISAT, BUL THERESATORKWASE AKPAN EFFIONG JONAH AMAECHI VICTORIA OKWUBARA ANYANWU EMEKA, CAJETAN AWOFISAYO RITA BALOGUN DALIAL ADEBAYO BULUS JOHN DEDA AKPAN EMMANUEL EDEM AMAEFULE FABIAN CHINYERE ANYANWU HENRY ONYEBUCHI AWOFODU JULIUS, ABAYOMI BALOGUN GANIYU AYODELE BUNMI-NATHAN OLAJIDE AKPAN ENEFIOK PETER AMAH ABRAHAM NNANNA ANYANWU NNAMDI AWOGBEMI ADEOLA OLUWASEYI BALOGUN GRACE SHUBUOLA BUYENGUM FAMAINA AKPAN IMOWO CELESTINE AMAJUOYI BLAISE OKWUDILI ANYANWU SIMON IBE AWOKUNLEHIN AYOTUNDE A. BALOGUN JAMIU TUNJI BWALA LOLAH HAMIDU AKPAN JOSEPH E AMAKOM NNAMELUO ANYANWU THERESE AWONUGA OLUFUNKE, BALOGUN KOLA CAPITAL OPENDEE NIG LTD AKPAN MFON OKON AMANAMGBO MICHAELCHIAZOR ANYAORA ARTHUR CHIZOBA AWONUSI OLUWAKEMI ABOSEDE BALOGUN KOLAWOLE CAPITAL PROVIDERS & SEC LIMITED AKPAN MIKE UDOH AMANCHUKWU GABRIEL IFEANYICHUKWU ANYIMIGBO FLORENCE, NKIRUKA AWORINDE ISEOLUWA BALOGUN NURUDEEN AKANBI CARDINAL CENTRE FOR PROF DEVELOPMENT AKPAN PAUL HORGAN AMANCHUKWU PRECIOUS CHIDINMA AOFOLAJUWONLO OLUTOLA AWOSIKA MODUPE, OLUFUNKE BALOGUN OLABAMIJI, RASHEED OLANREWAJU LIMITED AKPAN PETER OBOT AMANCHUKWU SHILO IGADI APAMPA QUASSIM OYELEYE AWOSIKA OTUNOLA CLEMENT BALOGUN OLAITAN ADEWALE CHALEX LTD AKPAN UBONGABASI NSE AMANCHUKWU STEPHENA CHIDINMA APOLLO STEEL INTERNATIONAL AWOTUNDUN JOSEPH OLATUNDE KAYODE BALOGUN OLAYEMI SHERIFAT CHARLES-IYOHA EROMOSELE, AYOMIDE AKPAN UWEM SUNDAY AMANCHUKWU VICTOR OZICHUKWU APOLLOS EMEKA ONYENNOCHIRI AWOTUNYA EYITAYO ADEOYE BALOGUN OLUFUNMILAYO, IBIRONKE CHARLES-KOKO DOROTHY AKPARANTA CHUKWUEMEKA AMANCHUKWU VICTORIA OZIOMA APOTOHWO JEFFREY EBUBECHUKWU AWOWOLE OLUGBEMIGA AKINLOLU BALOGUN OMOGORIOLA MONSURAT CHEGWE PETER ONYENIKE AKPATA JOSEPH JEREMIAH AMANGELE ALEXANDER ARALU OBUMNEME JOHN AWOYELE KAYODE, BALOGUN RASHEED OLAREWAJU CHIANAKWALAM EZENWA NDUDIM AKPI KEMEBRADIKUMO FRANCA AMAO IYABO TEMILOLA ARALU OKWUCHUKWU JAMES AWOYEMI ADESOJI, ADEREMI BALOGUN SUNDAY ADELEKE CHIDI FELICIA, AKPILE JOSEPH OBUKOWHO AMASIANI AMAECHI CYPRIAN ARANISOLA SAMSON ABIODUN AWOYEMI BOSUN BALOGUN MULIKAT FOLA CHIDI YERISOIBIBA OPUINE AKPODIETE 0'WEGBA, ONAJITE AMBALI ADESOLA BAMIDELE ARANISOLA VICTORIA MOTUNRAYO AWOYEMI IYABODE, BAMGBOPA NAFIU ATANDA CHIEJINE ANNA AKPODUADO ESEOGHENE LUCKY AMEDU HENRY ARANSIOLA VICTORIA MOTUNRAYO AWUGO OLASUMBO OLUWAKEMI BAMGBOSE ADENIJI, OLUTOKUNBO CHIGBO ANTHONY OKECHUKWU AKPOKE MONDAY, AMEEN BUKOLA MORENIKE ARAOYE DEBORAH ISEOLUWA AWULETEY O., A. BAMGBOSE ATIM, MONEESI CHIGBU ISHMAEL OKEY AKPOMUDJE VICTORIA ADEPEJU AMEH BENJAMIN MICHAEL ARAWOLE OLUGBOYEGA AREMU AWU-PATRICKS ULAYI PATRICK BAMGBOYE DAVID, OLADIPO CHIJIOKE ARINZE CHUKWUMAOBIM AKPONOME CHRISTOPHER OYIBO AMELE ELIZABETH ARAYOMI EMMANUEL OLUMIDE AYAA IZU CHUKWU BAMGBOYE ADEMOLA JOHNSON CHIKAOKAFOR GOLDEN OLUOMA U. AKPONYE FIDELIS IHEDIOHANMA O. AMHENRIO JOHNSON ARCHIBONG ENO, AYAMWOYE JOSEPH BAMIDELE ABDUL RAZAK CHIKAOKAFOR GOODLUCK MMESOMA N AKPORE OBUKADATA, BEATRICE AMILEGBE AMENZE AREGBEDE OLOYEDE SOLOMON AYANBADEJO OLUSOLAPE, OLATOKUNBO BAMIDELE KAMALDEEN ABIDEMI CHIKAOKAFOR PRINCESS EZINNE, NKEM AKPORIDO EMMANUEL UTUEDO AMINONE ANTHONY TIVERE AREGHAN INEGBENOISE MICHAEL AYANBEKU AGNES OLABISI O. BAMIGBETAN KEHINDE CHIKAOKAFOR THANKGOD IFEANYI OBINNA AKPOTOHWO ONYEKACHI TEMILOLUWA AMINU AYODELE IDRIS AREMU GANIYU OLANREWAJU AYANGBEMI OLUBUNMI ARIKE BAMIRO ADEMOLA FRACISCO CHIKE CHARLES, ADASON AKPOWEVWE REGINA AMINU ISHOLA YUSUF AREMU MORENIKEJI FUNMI AYANGBEMI SUNDAY AYANKOLA BAMISAYE OLUWASEYI, SUNDAY CHIKEZIE JUDE ECHENDU AKUBO EMMANUEL OBAJE AMINU-KANO M., AREMU OLUSOLA OLAYINKA AYANKOYA .S. OLUKAYODE BAMISILE MICHAEL BAYODE CHIKWE IKECHI PAUL AKUETE ERIC H.A KWAOVI AMO AMOWUNMI MURIANA AREMU SAMSON, OLUTAYO AYANTOKUN COMFORT MOSOBALAJE BAMISILE OMOLOLA, OMOWUNMI CHIKWE MICHAEL AKUGBO JULIET U., & THEOPHILUS E. AMOBI EDMUND OKECHUKWU AREMU ZACHEAUS OLALERE AYANTOKUN SUNDAY OLATUNDE BAMISIZE TAIWO OJUOLAPE CHIMA ASSUMPTA ADAKU AKUJUOBI S UCHECHUKWU AMOBI MORRIS NNE ARHETE LEO EHIGIATOR AYANWALE TOLULOPE IBITAYO BANIGO GEORGE CHIMA CHIDINMA JANE
92 Ecobank Nigeria Annual Report 2010 CHIMA CHIKA DISI JAMES AKPOFURE EDIEVU EHIOHERE FRANCIS U, SAMUEL EMMANUEL IRENE OLUFUNKE EZE JEFF FASIPE CLEMENT OYELAKIN CHIMA CHIMA KALU DISU AINA JOSEPH EHIRIBE IKE EMOBEIFO SOLOMON EZE JOSEPH IBEKWE FASOLA OLUWABUNMI CHIMA GEORGE DISU OLABANJI KAMORU EHIRIBE JEREOMA EMORDI SAMUEL NNACHUKWU O. EZE MATTHEW CHUKWUMA FASOSIN OLAOLUWA OLUWADARE CHIMA IKECHUKWU OKORO DISU BOLANLE FUNMILAYO EHIS AND WILLS ASSOCIATE LTD EMORDI TINA ANWULI EZE MAXWELL CHUKWUDI FASURE SOLA A.E CHIMA JONAH NDUKA DIVINE NOBILE - FAITH VENTURES EIGBEDION MIKE, EMIOYUA EMOVON OSAHON DANIEL EZE NNAMDI ROBINSON FATOKUN JULIUS ADETUNJI CHIMA MWANYINMA DIWE ONYEMA JAMES EIGBOBO ADAORA EMUH VINCENT EZE OSMAOND OKECHUKWU FATOKUN OLUYEMI, CHIMA WISDOM KALU DIYAOLU MARY EIGBOBO WILKES ODEODE EMUOPHE SAMUEL IRORO EZE VICTORIA FATOYINBO LUKMAN ADENIRAN CHIMARA HARRY ONYEBUCHI DIYOKE NNAEMEKA EIKORE ANTHONY, OISENOBO ENABULELE TOSAN ROSELINE EZEA JUDE UCHENNAYA FATUKASI MICHAEL ILESANMI CHIME ALPHONSO, EZIEKEZIE DOGARI BAKO, EISEON BUSINESS LIMITED ENAGBARE NOSAYANA EZEALLA CHIMEZIE FATUKASI MOBOLAJI OLUWATOYIN CHIMENTA PATRICK NNABUIKE DOGO VICTORIA EJEAGWU JUDE CHINONSO ENANG ESEME ETIM EZEAMAKA CYRIL .K FATUNASE ABEL ABIODUN CHIMERE UZODINMA ADAKOLE.J. DOKAI JAMES NKADI EJEGI BRIDGET OLAYINKA ENAOHWO TOBORE EZEAMAKU HYGINUS FATUNDE IDOWU FELIX CHIMEZIE MALIJE KINGSWORD DOMINGOS GEORGE R.S EJEGI HAROLD OLUFEMI ENAUGHE DAVID EZEAMU BENNETH IZUNWANNE FATUNGASE OLUKEMI OLUFUNMILOLA CHINDA ANGELA, CHISAH DONLEO INVESTMENT NIG. LTD EJEGI MODUPE ENE ERNEST DEREFAKA EZEANI CHINAZA DIVINE FATUNMBI OLUJOKE ELIZABETH CHINWATA STELLA NKECHI DONLI HADIZA MARY EJEH PAUL ESEAGU ENE ERNEST OSITA EZEANI CHUKWURAH EMMANUEL FATUROTI ADEOLA OPEYEMI CHINWEUBA DOROTHY NONYE DO-REGOS BERNADINO EJELE OSEIKHUEMEN ADEBAYO ENEBELI ADOBI GREAT EZEANI JOY ORAKWE FAWOLE MICHAEL OLADELE CHIOMA SILVANUS N. DO-REGOS PHILIPA KEMI EJENOBO JANET ORUNUAYE ENEBELI FIDELIS EZEANI PAUL, OBIESIE FAYEMI HABEEB ADEBAYO CHIONUMA OLORUN KEMI DOSUMU OLAWALE SEMIU EJIBUNU AKINLADE MOJEED ENEBI NATHANIEL, NIMI EZEANI VICTOR ORAKWE FAYOMBO GRACE ADEBISI CHIORI IJEOMA, CHINYERE DOSUMU OYEDIRAN ADEYEMI EJIKE NJIDEKA PRISCILLA ENEMUO MADUABUCHI EZEANYA DALUCHUKWU UCHECHI FEBSIX INVESTMENT LIMITED CHIORI J, .O DOSUNMU BOLANLE JULIANAH EJIKEME COLLINS KANAYO ENENGEDI WISDOM EZEANYA MIKE NNANYELUGO FEJUKU OMOBOYE DEBORAH CHIORU UDUNMA, ONYINYE DOSUNMU OLUBUNKOLA IRETI EJIKEME EZEWURU UGOCHUKWU ENENIM PETERS EZEANYA NWAMAKA OBIANUJU FEKOYA ABIODUN ENIOLA CHRIS ATOKI & SONS LIMITED DOTTIE MICHEAL, EYEBIRA EJIKEME NNENE ENETARO SAMUEL UZUAZORARO EZEANYA UGONNA IFUNANYA FEMI-PEARSE OLATUNDE CHRIS-MBA DUMEBI CLINTON DOTUN-OLADEJI OLAYIDE VANESSA EJINAKA JOHN CHIKA ENETOMHE MICHAEL IYATSE EZEBUIRO LEONARD SORRONNADI N. FENEMIGHO ROSELINE, CHRISTIAN CHRISTOPHER ISRAEL DOUGAN KIKE ARMANDO EJIOFOR CALISTA UZOAMAKA ENIFON EDET BASSEY EZECHI OLIVER CHUKWUJEKWU FETEPIGI TONS, TONYE CHUDE CAROLINE NNEAMAKA DOUGLAS AERE GEORGE EJIOFOR EDMUND CHUKWUNAEBULEM ENIOLA JOHNSON ADEGBOLA EZECHIEDO GERALD OKECHUKWU FETUGA ADEBIYI ADENIYI CHUKUMA AUGUSTINE AFAMEFUME CHUKUMA DOWLAND OMOWUMI, FATIMO EJIWUNMI FEMI ENIOLA OLUFEMI EZECHIKWELU AZUBUIKE FETUGA FATAI ABIOLA CHUKWU BLESSING NKIRUKA DREW FLORENCE, PAMELA EJIWUNMI OLUBISI MORADEKE ENIOLAWUN OLALERE KEHINDE EZECHUKWU AMAKA CLEMENTINA FEYISETAN EHIAGHE MAGADALENE CHUKWU CHRISTIAN, CHIBUEZE DUBU HILDA ADAMU EJUKONEMU ROLAND ENLO-SCAOTT MODUPE TOKUNBO EZECHUKWU BERNARD NKECHUKWU FIDITI CLUB 84 OF NIGERIA CHUKWU IKEDI UDENBA DUNIYA BITRUS EKA EMMANUEL ENONA NIGERIA LIMITED EZECHUKWU CHIJIOKE CORNELIUS FIEOKU EMILE CHUKWU JOHN DUNMOYE WAHAB EKAETTE ISRAEL SUNDAY ENONE VIVIAN OMASAN EZECHUKWU JAMES ALAIDUM FOFAH JENSON CHUKWU LIVINUS OBASI DUNTOYE JOSEPH OLALEYE EKANEM AFFIONG ANIEDI ENUEZIE LAWRENCE, IFECHUKWUDE EZECHUKWU MARYANN, FOFAH JOYCE EBUADE CHUKWU NWAKAEGO JUSTINA DUROJAIYE ADEBOLA OBAFEMI EKANEM ALICE EKANEM ENUKWU INNOCENT CHUKWUKA EZEDIUNOR NKECHI BENEDICTA FOLARANMI REMILEKUN CHUKWU STEPHEN DUROJAIYE EZEKIEL OLATUNDE EKANEM EDEM EYO ENWEKA CHINYERE, FIDELIA EZEGWUONWU DONATUS IFEANYI FOLARANMI TAIWO OYENIKE CHUKWU UDOKA ELVIS DUROSARO OLUWATAYO KAZEEM EKANEM GRACE TOBBY ENWENEZI VIVIAN OSAS EZEH ANI JOHN FOLARIN-WILLIAMS ADEOLA OMOBOSOLA CHUKWUDEBELU CALISTUS AMOHU DUROSAWO MARGARET JADESOLA EKANEM MFON, NDO ENWEREAMA IHUOMA EMELDA EZEH ASSUMPTA, NGOZI FOLORUNSO BLESSING TIMILEHIN CHUKWUDI AUSTIN, CHUKWUDI DUROSAWO RUTH ADEJOKE EKANEM PETER SUNDAY ENWERONYE CAJETAN AZUBIKE EZEH AZUKAEGO MICHEAL FOLORUNSO NOAH OLUSEYI CHUKWUDOZIE CHIWETALU BONNY DUROWADE FLORENCE OLUYEMISI EKANEM SUNDAY OKON ENWEZOR ONUORAH EZEH CHINEDU, CHRISTIAN FORCADOS JULIUS FILAFA CHUKWUEKE KELECHI MICHAEL DUROWADE OLUWADARE EKE CHRISTIANA CHIJIOKE ENWEZOR PATRICK ONWUE GBUNA EZEH CLETUS EZEH FORTE ASSET MANAGEMENT LTD CHUKWUEKE NETOCHUKWU DURU CHIDI OKECHUKWU EKE EMENIKE ENYINNAYA ENYASHI RICHARD, EZEIBE JANE, FORUN KUROEKIA CHUKWUEKE NNAEMEKA BONIFACE DURU NGOZI NKECHI EKE ISAAC, ENYIKA IBEAWUCHI FIMBER EZEIFE EBELECHUKWU MARGRET FOWLER MICHAEL ADEBOWALE CHUKWUEKE UGO CHISOM DURUIGBO IHUOMA UKACHI EKE KERINDU ERESIA EKE ENYINNAYA ONYEKACHI NGOZI EZEIFE GRACE, ONYEBUCHI FOWOSHERE BOLAH CHUKWUEMEKA SAMUEL CHIKELU DURUIGBO ONYEMA JUSTIN EKE OLANMA, GRACE EPEGA BENJAMIN OBAFEMI EZEIGBO EMEKA HYACINTH FOWOSHERE OLAYEMI CHUKWUEMEKA E. CHARLES DURUIGBO UDOMSINACHI CALEB EKEA ELAINE UDENSI ERAIKHUEMEN MOSES EZEJIOFOR STEPHEN, CHINEDU FOWOSIRE LATEEF O CHUKWUJEKWU CHUKWUDI EBE EMMANUEL EKEADA JACEINTA IJEOMA ERAKPOBRUKE RUKEME EZEKIEL ALICE, BOSEDE FOWOSIRE Y CHUKWUMA UGOCHUKWU, VICTOR EBE MICHAEL ETOK EKEBE ANNE CHINYERE EREBI IDEMUDIA CHRISTIANA EZEKIEL EDISEH MARY FRANCIS OLUFUNNKE CHUKWUMEZIE MAUDLYNN ONYINYECHUKWU EBEDE CHINYELU NWAELUTU EKEFRE AFIONG NYONG EREGOBA CHARLES TEKE MICHAEL EZEKIEL ENI, JOSEPH FRANCIS SOPHIA, CHUKWUMEZIE QUEEN, IFEOMA EBELEBE CHINEDU DANIEL EKEFRE ANITA CLEMENT EREMEMRENA AGNES EZEKIEL JEFFREY OKPO FRED BLESSING ELIJAH CHUKWUNYERE JOHN NWAIWU EBENEHI MARK, OMALE EKEH CKC NICHOLAS ERHABOH EHIA WILLAMS EZEKUDE PATRICK EMEKA FUJAH LIADI SANNI CLEAR VIEW OPTICS LIMITED EBHOMEN STEVE, USIHOLO EKEH EMMANUEL CHUKWUNENYE ERHIEVUYERE SUCCESS, OGHENE-TEGOR EZEMEDOLU FIDELIS FUNSO-ALABI ADEBIMPE RACHAEL CLIFF-AGBAEZE AMARACHI CHRISTABLE EBIGBO VINCENT IFEANYICHUKWU EKEMEZIE FRIDAY CHUKWUDI ERHIRHI ISAIAH OKPAKO EZENDUKA EARNEST GABRIEL SEGUN OSBERT COINS AMES LIMITED EBIHOR OBA, WILSON EKEOCHA MATTHEW, CHUKWUEMEKA ERHIWHA TEGA JOHN EZENDUKA PATRICIA NGOZIKA GADEGBEKU AUGUSTA OLUWASEYI COKER BABATISHE GBOLABO FRANCIS EBIHOR ONOME ISREAL EKE-OKORO CHIBUEZE EMMANUEL ERIBO FESTUS FIAYE EZENWA EVERESTUS NWABUGO GADEGBEKU EDWARD AYAO COLVIA SECURITIES LIMITED EBIRIEN-AGANA AMAKIRI MICHAEL EKEOMAH NDUBUISI GABRIWL ERINLE OLATUNDE OLUFEMI EZEOBA IKECHUKWU GAGARIGA DIEPREYE COOKEY - GAM ROLAND S.G EBODA MORENIKE ODUBANKE EKEREKE REGINAR JOHNSON ERIYE FESTUS EZEOBI KENNETH GAIYA BENSON DAWUDA COOKEY NKIRU EMILIA EBOH FORTUNE EKEREKE RICHARD JOHNSON ERIYE TOYIN EZEOKE LAWRENCE AZUBUIKE GAIYA BIJIMI TANIMU CPL WAZIRI GAMALIEL JEN EBOIGBE JOY IMUETIYAN EKEZIE EMMANUEL CHIDUBEM EROKARE ABIGAIL ESE EZEOKE ROSELINE, VALERIE GAIYA DEBORAH SHARON CRAIG OBADIAH OLUSEYE EBUK OFONMBUK ARCHIBONG EKHAGUERE COMFORT ERONINI EMENIKE ELEAZER EZEONUOGU MMADUKA, UCHE GAIYA ELIZABETH OKOHOH CREATIVE MARKETING SERVICES EBULUE OLIVER CHUKWUEMEKA EKISOLA ADEBISI, OLUWAKEMI ERUAGAN OTAROGHENE EZEORAH OKECHUKWU CALISTUS GAIYA GIDEON IFE CUE CLEAN LTD. ECHEFU EZENWA EKOJA REGINA ERUGO DANIEL OKECHUKWU EZEUDE EDWIN, OBIDI GAIYA ISRAEL NOMSEY CURTIS OLAIDE KEHINDE EDDIE-NWOKOLO HELEN, ONYISI EKOJA IFEANYI ISAAC. ERUSIAFE MARY EHWEVWERHERE EZEUDU AMALACHUKWU, CHIDUBEM GAJERE MARIO DABIRI IYABODE IBIRONKE LATIFAT EDE TESSI EHI EKON VERONICA ANIETIE ERUTEYA ISAAC EZIKE OKENNA DANIEL GAJI ADETOLA ADUNNI DADA EMMANUEL, OLUSEGUN EDEBOR OIYA SAMUEL EKONG EMMANUEL ERUTEYA OVIE EMMANUEL EZIKE VERONICA NKEMDILIM GAJI ENITAN MUIZZ DADA FAOSAT MOJIRAYO OREDOLA EDEDE CHARLES AKHIGBE EKOTT ESHIET CHARLES ESAN ALAKE EZINMA FRANCIS NNAMDI GAJI HAMEED ADISA DADA JONATHAN OLALEYE EDEH SAMUEL, ONYEBUCHI EKOTT PAUL EDET ESAN TAIWO OLUSOLA EZINMOR INNOCENT UGOCHUKWU GAJI MUSLIU OLANREWAJU DADA MAYOWA OLUSOLA.J EDEKHE AKPAN USORO EKPE EMMANUEL NSEOBOT ESANGBEDO IYOGHEN ISI. EZUGHA SILAS SUNNY GALYA CALEB TOBI DADA OLUKAYODE EMMANUEL EDENOJIE PIUS AKHABUE EKPE IDORENYIN NSEOBOT ESEAGWU FESTUS EZUMAH UCHE CHUKWU MABEL GAMBARI RIHANAT OJUOLA DADA OLUKAYODE EMMANUEL EDET BLESSING MARC EKPEMANDU JOSEPH N ESEKHAIGBE OTIBHO GRACE EZZEDDINE ALI GANA LAWAN DADA OLUWATOYIN AFOLAKE EDET EDET, EDEM EKPENYONG IMO ESHAYOVWE UFUOMA KEHINDE FABOLA C K GANIU SIDIQUAT AJIBOLA DAFOSI TAYO EDET-ADEMILUYI AGATHA EKPENYONG JAMES E. 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DAKA EDINO SHAIBU EKPO IDORENYIN, ESIABA ISRAEL FADIPE KAYODE SAMUEL GBADAMOSI RASHEED IYIOLA DALOR NIGERIA ENTERPRISES EDIONSERI EUNICE EKPO IMEOBONG DAN, EKPO JOSHUA ESIMAI MONYELU SAMUEL FADOJUTIMI WILLIAM AYODEJI GBADAMOSI RIDHWAN, OLALEKAN DAMINI MIUDUMANI EDJENEKPO LUCKY ENAJITE EKPONG OSHAME ESIN JOAN AFFIONG FADUMIYO FUNMILOLA GBADEBO JAMES ADELEKE DAMOLA KAZEEM ADEKUNLE EDODO ORITSEWEYINMI EKUNDAYO BOLAWALE, OLUSEGUN ESIONE OSITA SAMUEL FAFOWORA AKINTOLA GBADEBO KUDRAT BOLANLE .M DAN E.F EDOGIAWERIE JOSHUA EKUNDAYO JOHNSON OLUSEGUN ESOHE ESOHE JULIET FAFOWORA SUNDAY AKINLOYE GBADEBO SOLOMON ADESEGUN DANDAM SALOME TISSING EDOSOMWAN JOSEPH AGHARAGBON EKUNDINA AYODELE, ESOTU CHIJOKE FRANCES FAFUNWA FESTUS OLUSOLA GBAJA-BIAMILA ADEOLA DANIA AWUJOOLA, EDOSOMWAN KENNETH OSEMWENGIE A EKUT EMMANUEL ENO ESSIEN EDET ESSIEN FAGBAMIYE OLATUNJI ARABAMBI GBAJUMO LATEEFAT BISOLA DANIEL ANIEKAN FABIAN EDOZIE CHIBUNDU NKEM EKWE TOBECHI DAVID ESSIEN MARTIN M. FAGBELU ADEMOLA, GBANVO CODJO JOACHIM DANIEL ENE JACOB EDOZIE ROSELINE IFECHUKWUDE EKWEKWUO CHIBUZO, CHIEMELA ESSIEN STEPHEN UDO FAGBEMI BABAFUNKE GBEDE OLUWATOYIN FUNMI DANIEL KINGSLEY EMEM EDU ROTIMI EKWERE GLADYS CLEMENT .A. ESSIEN SYLVAR FAGBEMI SAMSON ADE GBENRO ADIO DANIEL LYNDA, EDUKUYE NATASHA OGHENEKEVWEAGHOGHO EKWUEME ADAEZE UDOKA ESSIET GORDON, NELSON FAGBEMIRO CECILIA OLUBUNMI GBENRO CHRISTOPHER KAYODE DANIEL OLAKUNLE EDUKUYE NATHANIEL OGHENEMINE EKWUEME ARINZECHUKWU ESTATE OF AGU, OGBONNAYA JOHN FAGBENJA DAVID OLADIPUPO GBEWESA BABATUNDE ABIOLA DANIEL-ADEBAYO OLUYEMISI, MOPELOLA EDUN ADELEYE KUBURAT EKWUEME HELEN THERESA ESTATE OF AJAYI, CHRISTIANA AYOMIDE FAGBO PEDRO OLABIYI GBOBO AMOS TUBONAMI DANIEL-SALKA BECKY(BABY) EDUOK DAVID PAUL EKWUEME OBIESIE KANDIBE ESTATE OF BAKARE, MUHAMMED A B FAGBODUN OLANREWAJU DAVID GBOGBOADE EBENEZER ADEKOYEJO DANIYAN ESTHER, EDWARD EMEKA HYCENTH EKWUEME UDECHUKWUKA NKEM ESTATE OF MONEHIN, JULIUS OLORUNTAYO FAGBOHUN SAMUEL GEBU THEOPHILUS KOFI DANKARO BASHAR JOHN EFFIONG MATHEW FRANCIS EKWUNIFE NDIDI PATIENCE ESTATE OF OMERE, JOHN AIYEVBEKPEN FAGBONGBE IKUMAPAYI OLASUNMBO GEE KAY BEE (NIG) LIMITED DANLADI AHMED, IDOKO EFI MICHAEL, IKECHUKWU EL - HUSSEIN ZAINAB SALISU ESTATE OF MUYINAT SHOMADE FAJOYE RACHAEL FOLUKE GENTY TUNDE RAUF DANNING VICTOR EFIONAYI ANNE SOLOMON ELAH ELIAS, EJEMBI ESTATE OF ODENE DANIEL, ABAHIN FAJUKE OLAYEMI KEHINDE GEORGE ANTHONY DANSULE MUAZU EFIONG DAVID-ETIM OKON ELAKHAME VICTORIA ESUBIYI AKINPELU, OLA FAJUMO MICHAEL, ADEBAYO GEORGE CHIMEZUE JAMES daodu joseph EFUNTAYO OLUSEGUN OLATUNDE ELEANYA FRANK, ETADUOVIE DAVID FAKAI ZAKARI, GEORGE DARLINGTON DAODU OLAITAN SAMUEL EGBAGBE JANE OMOWUNMI ELEGBA SEKINAT OLUYEMISI ETALUME EMMANUEL O FAKAYODE OLUSEGUN GEORGE GLADYS DARAMOLA BENJO ABIODUN EGBAYELO TAIWO ISHMAEL ELEGBE MITCHELL OLUSEGUN ETAMESOR ADIJAT FAKILE MODUPE DOYINOLA GEORGE GODWIN SUNDAY DARAMOLA OLUSINA EGBE LILIAN ABIODUN ELEGBE RUFUS AKIN ETETAFIA ALEX FAKOREDE PHILEMOM BANJI GEORGE JOHN OLADAPO DARAMOLA SAMUEL, EGBE NNEDINMA LUMIERE ELEGBEDE MOJISOLA RAMOTA ETIKO ADEKUNLE RAZAQ FAKUADE JAMES, OMOTAYO GEORGE JOHN, DARAMOLA YETUNDE ADEOLA EGBE PLINY UCHECHI ELEGBEDE OLUBUKUNOLA IBIRONKE ETIKO-SANNI SHAKIRATU OMONIKE FAKUADE OMOTAYO GEORGE KUMI, GEORGE DA-SILVA EMMANUEL, ADEYINKA EGBEWOLE WAHAB OLASUPO ELEGBEDE YISA ALAMU ETIM COMFORT, FAKUNMOJU OLADELE, GEORGE ONYINYE MARGARET DASILVA-DOMINGOS TINA FEYISAYO I. EGBODO ONWUKAIZU ELEH EMEKA D ETIM GIFT EZEKIEL FALADE MARY, BOLA GEORGE VALIAN, UCHE DAUDA BELLO AZO EGBOM UCHECHUKWU ELEMUO ELIZABETH, CHIAYERE ETIMI ANDREW ANYA FALADE OLAYINKA GEORGEWILL QUEENTH MASEBA DAUDA LOKYA CHRISTIANA EGBORGE SIVBENOJA SYLVESTER ELENWA JOY ETIM-UKUT NATHANIEL SUNDAY FALADE WILLIAM OLUWOLE GIBSON IKE GEORGE DAUDA ZACHARIA KAQUIEK EGBORO FRANK, BAWO EL-HUSSEIN SALISU ETOKAKPAN FRIDAY SAMUEL FALAIYE TINUKE GIWA ADEBOWALE MARGRET DAUDU OZEMOYA MARCUS EGBU CHICHIEBEN ELIMAN ONEHIOBHEN INES ETOP SAMUEL EMMANUEL FALANA JOSEPH, BABATUNDE GIWA RASHEED DAUDU PEARL OGHERE ISAAC EGBUAWA IFEANYI ELLIOTT ETHAN ETSAGHARA EFEJOTOR FALASE OLABODE OLATUNDE GIWASALVADOR PAULINE DAVID-WEST JULIET IBIAPUBA EGBUCHU ISAAC NDUWEZE ELLIOTT JORDAN ETSENAKE ONUDU ROBERT FALE ADEKUNLE GODWIN GLORY INYANG DAVID-WEST MAYNE, EGBUCHULAM NONYE FELICIA ELUE HENRY OKOLIE ETTI VICTORIA OLAJUMOKE FALEGAN OLUWOLE OLUROPO GOFWEN RITKATMUN EMIOYE DAVIES ANTHONY, ROBERT EGBUIWE ROSE NONYEM ELUIGWE MERCY, ORINMA ETUH THOMAS FALOKUN OYINDAMOLA GOGO-CHARLES ROSEMARY DAVIES OLATUNJI EGBUNINE SUNDAY-, OKWUCHUKWU ELUIGWE VICTOR, NNABUIKWU ETUK ELIZABETH BASSEY FALORE ADEMOLA OLUSEGUN GOLDE CHRISTIANA AYOMAVORO DAVIES-JONES ARNOLD EGBUONU ASOMBA, ANDREW ELUWA EMEKA KINGSLEY ETUK EMA ANIETIE FALOYE OLANREWAJU GOLO JUSTINA DIGOL DAWODU ABUDU FARIU O EGBUZIEM UGOCHUKWU, GREGORY ELZOGHONDI JEANCLAUDE, ETUK MORGAN WILLIAM FALUSI IDOWU GOMBEJO MOH'D BAKARI DAYISI MARDHIA OLUFUNMILAYO EGEMOLE IFEANYICHUKWU, JUDE EMA EKEMINI OKON ETUKEMKA CHIBUIKEM DANIEL FAMAKIM TAIWO OLAPOSI GOMEZ ADUKE BEATRICE DAZI BEATRICE LADI EGEMONU NDIDI JOAN EMAKPOR DANIEL ETUKUDO EKPEIMA JOE FAMAKINWA JOSEPH OKE GONGU JOSEPH DIGOL DEE UNITY CLUB EGENUKA NGOZI, JOVITA EME CAIUS IKWUEJE ETUMNU EZIEFULE, MESHACK FAMAKINWA OLADAYO FESTUS GOOGO DANIEL SUANU DEHAVILLAND INVESTMENTS LTD EGHO SUNDAY OGHENEKARO EME SAMUEL DICKSON EVBADE PAUL ABIFADE FAMORIYO AKINYEMI ADIGUN GORA HARUNA MAMMAN DELANO AJOKE, MODUPE EGHOBAMIEN IVIE EMEDOH EMEKA MAGNUS EWAH OSEMENLU CHUKWUKA FAMORIYO HENRY AKINPELU GOVERNOR HILDER DEGBELA EMI DELE LEMBOYE & CO EGHOMWANRE SYLVESTER EMEH KINGSLEY EWA-HENHSAW B E FAMORIYO SABAINAH MOPELOLA GRAHAM-DOUGLAS IBIENE, BOMA DEMA LANCELOT SAM EGHUVWAKPOR EFE STELLAR EMEJI KENNETH EWEDEMI KAYODE O. FAMUAGUN HELEN OLUFUNKE GREEN ALA JUSTICE DEMBELE TALIBE EGINIWIN JOSEPH ESE EMEKA EMMANUEL EWEDOMA ANTHONY EMOWANRE FAMUDEHIN EZEKIEL ROTIMI GUNWA OLATUNDE AUSTEN DEMOLA-ALADE OLABISI, OMOTATO EGOBI JOHN IWEKHIDE EMEKA GODDY EWEJE BIMBO RASHIDAT FAMUREWA EZEKIEL GBENGA GUOBADIA KATE, OSAMEDE DERBY IVANOV WILLIAM CHRISTIAN EGODO MICHAEL UJENUDO EMEKA NGOZI, REGINA EWULE BRIDGET WALERUCHI FAMUREWA OLAJUMOKE, OMOBOLA HAASTRUP REMY BAMIDELE DEREFAKA GODKNOWS EGORHO EMMANUEL EFE EMEKA ERNEST AFAMEFUNA EWURUJE EJIRO RUTH FAMUYIBO ALBERT, HALADU BUBA DERIBI ALFRED EBIS EGURIDU CHARLES MARY EMEKE OKOLO EWUZIE DAVID AMARAGHARA FAMUYIWA OLUFIKAYO ATINUKE HALADU HAJIYA MARYAM DIAGBARE FRIDAY.O EGUWCHE PATRICK JAMES EMELE CHIZOBA, AKUDO EYEFIA EFE, FANEGAN SUZZY, BOSEDE HALADU MOHAMMED AUWAL DIBANG DENNIS EGWIM CHIBUZO ISRAEL EMELE ERIC CHINEDU EYEFIA OGHENETEJIRI FAUSTINA FANIRAN PATRICIA ABIODUN HALADU MOHAMMED MUNNIR DIDI PROPERTIES LIMITED EGWIM IJEOMA VIVIAN EMENI OCHUKO EYEKOSI ALFRED MOGEYIROMERE FANU OLUWATOYIN HALADU MOHAMMED SANNI DIGITAL CONVERGENCE LIMITED EGWU FRANK EMENI RICHARD ADUAYE NGOZI EYEREGBA IRIKEFE, FAOYE ISAAC TADE HAMEED TOSHO ATANDA DIKE CHIMA PAUL EGWUATU BENSON EMEKA EMENIKE BENEDICT NWABUEZE EYINFUNJOWO OLASUNKANMI ABAYOMI FAOZAT LIMITED HAMIS ADAMA BAMAYI DIKE GODSLOVE IFEANYICHUKWU EGWUONWU BLESSING, CHINYERE EMENIKE EMMANUEL CHUKWUENYE EYISI CHISOM M FAPARUSI RACHEAL HARBOR BLESSING DIM ARINZE EGWUONWU NERIUS NNAEDOZIE EMENOBI CHIMEZIE LUKE CHIJIOKE EYISI PHILIP C FAPOHUNDA AKIN HARRISON NTIEGOTEMIEARI SOKARIYE DIMGBA GABRIEL MADUMERE EHIELU LAWRENCE EMENYEONU JOY ADA EYO NSEFIK IQUO FAROUNBI IBIRONKE KUDIRAT HARRISON TEMIWUMI DIMOKO GABRIEL WILLIE EHIEMERE CHIDINMA P. EMEONYE JENNIFER EYO YOUNG, UKO FASAKIN BENSON AKINTOLA HARRY ISAAC OKON HARRY DIMONYEKA VINCENT CHIMEZIE EHIGIATOR GODWIN AIWANSOSA EMEREUWA CHIZURUM COMFORT EYORO ABO FASAKIN BENSON AKINTOLA HARRY PEREDENRAY, ESTHER DIRI ABIYE DEBORAH EHIGIATOR GODWIN AIWANSOSA EMERIBE CHIDI, JOHN EYUBE JAMES ONORORIODE FASASI FATAI BABAJIDE HARUNA AISHA DIRI IBINABO, DANIEL EHIGIATOR SAMUEL ERONMONSELE EMESOWUM HENRY UCHENNA EZE CHINONYE IRENE FASHAGBA ABIODUN CHRIS HARUNA ALIYU DIRI MERCY, EHIGIE ROLAND EMESSIRI HENRITTA EZE COLLINS EBERE FASHAKIN BASHIRU RAJI HARUNA FATIMA DIRI NOBLE EHIKIOYA EHIKHAMENTALOR A. 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Ecobank Nigeria Report 2010 93 HASSAN SAKA, BAYO IHEAGWAZI FESTUS CHUKWUDI IRUOHA GRACE JOHNSON UWEM, A LABARAN FAIZA MARTYNO INTERNATIONAL CO, LTD HASSAN YEKINNI OLATUNJI IHEANACHO K KEM ISA KHADIJA MUSA JOHNSON YEWANDE TOYIN LABEODAN MATANMI ADEKUNLE ADISA. 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MORAKINYO FOLASHADE OLUFEMI IGBEKA CHUKWUEMEKA IMAFIDON NOBIN OMOLOVBIYE JEJELOWO RUFUS OLUSHOLA KOLAPO JAHLEEL TAIWO MADUKAEGO ANDREW, UCHECHUKWU MORAKINYO OLUYOMI AKINOLA IGBELINA-IGBOKWE NKIRU IMAGBODE OSAGIE ALLEN JEMITOLA OLAIDE AMINA KOLAPO LYDIA ADESOLA MADUKWE NNABUKO SAMMY MORAKINYO RACHEAL AINA IGBINAZAKA GLADYS IMAGIE PRINCE JENCHO TEX ENTERPRISES LTD KOLAWOLE ABBAS MUSTAFA MADUKWE UCHENNA EJIOFOR NWABUKO MORDI FREDRICK C. 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INYANG ASUQUO EFIONG JIMOH SHEHU AHMED KUDAISI KUNLE OLAKITAN MALA-REJO TAMARAUNWOMOMO-EMI MUKORO EKUGBERE OLUFUNKE IGE KOFOWOROLA INYANG EFFIONG, AKPAN JIMOH VANESSA EBUN KUFEJI SIMPLICIO ABIODUN MALGINI IBRAHIM HASSAN MUKORO PHILIPS ONOME IGE SUNDAY IDOWU IPOTOKRI GODWIN EGHWUBAHRE JINADU IBRAHIM GBADEYAN OLATOYE KUFONIYI FOLASADE TEMITAYO MALIK OZOHU FATIMA MULTI-TECH VENTURES NIG LTD IGE VICTORIA MOSUNMOLA IRABOR FRANCIS, JOANSEN GLOBAL TRADING LTD KUFORIJI MOFOLORUNSO AJANI MALOMO OMOWUNMI, OLUWASEYI .O. MUNIS AKINTUNDE SAMUEL IGHAGBON VICTOR, ENABHAYE IRABOR LUKE, PRINCE JOBIFELE MOHAMMED ALIU KUKOYI KOLAWOLE MALU JOSEPH OKORIE MUNIS FUNLAYO FLORENCE IGHILE BOLA IREGBENU OBIORA, EMMANUEL JOHN DEBORAH KUKU FOROMBO IRIGHA MAMMAN-LAGOS AHMED MUNIS MICHAEL OLUWAFEMI IGHILE MOHAMMED IRENROA OLATUNDE JOHN DOMINIC ETIM KUKUI SEUBO, KAYODE MAMUDU ABOSEDE OYINLOLA MUOKWE CHIBUZOR MERCY IGHOEZAIRUE OVUOKEBIE, JACOB IREWUNMI BABATUNDE IDOWU JOHN EKONG, UDOH KUMA SHIEN. S MAMUDU K. OSENI MUOMELITE MARCEL, IGIEHON TITILAYO IRHEREN MERCY JOHN ELIZABETH KUMOLU-JOHNSON HENRY BABATUNDE MAMUKUYOMI STEPHEN SOLEDAYO MUONAKA CHIMA MADUABUCHI KENNETH IGINLA OLOLADE IRIELE INNOCENT EMEJURU JOHN DOMINIC ETIM KUNLERE OLUBUNMI AYOTUNDE MANANWA COMFORT MUONAKA IKECHI FELIX IGINLA TUNDE IRIKANNU CHRISTIAN UZOAMAKA JOHNNY RAYMOND, KURAH BEBECCAH LARABA MANDUNG JAMES DALYOP MURTALA MOHAMMED SANI IGWE ALEX ONYELANKA IRIOGBE DAVID, JNR JOHNSON FOLASADE ADEYEMI KURUMEH VIDA, OLUCHI MANG OLA HAZEL MUSA ALHAJI SAIDU IGWE EMMANUEL OBIAJULU IRIRI MERRY JOHNSON KAYODE KUTEYI JOSEPHINE OLUWADAMILOLA MANIJU INVESTMENT CO LTD MUSA HALIMATU, IGWE INNOCENT UZODIMMA IROANYA JOHNSON CLARKE JOHNSON NKPOIKANNA ASUQUO KUTEYI OLUWATOYIN MARADE KINGSLEY ESE MUSA OLORUNFEMI MOHAMMED IGWE KELECHI KARARIOCHI IROBUISI CORNELL, CHINEDU JOHNSON OLUSEGUN KOKUMO KUYE MOSIUDI ADEKUNLE MARK INNOCENT OBINNA MUSA REUBEN MALLAH IGWE MADUEKE IROH NWANKWO JAMES JOHNSON OLUSEYE OLUFUNMILAYO KUYORO BENJAMIN BOLADE MARK JANE EVUARHERHE MUSARI KOLAWOLE IGWE UGOADA IROKANULO-MILLER FRANCISCA JOHNSON SARAT, OLABIMPE KWUSHUE ALEXANDER MARQUIS JANUARIO BOLARINWA MUSA-TOLANI VICTOR BABAJIDE IGWEZE UGOCHUKWU MICHAEL IROMUANYA ONYINYECHI JOHNSON TOCHUKWU TEDDY KYAWU ALI ANKA MARTINS NGONDE ELFRIDA MUSE ABDULRAREEM OLAMILEKAN
94 Ecobank Nigeria Annual Report 2010 MUSE OYINKANSOLA NADEERA NWAFOR CATHERINE NGOZI NZEWUENYI IKENNA ODEYEMI AKINLOYE JAMES OGBONNAYA JOHN OGUNMOKUN SABINAH TITILOLA MUSE RASAQ IDOWU NWAFOR CHRISTOPHER UCHENNA . NZOMIWU EMEKA ALOYSIUS ODEYEMI BABAJIDE ROBERTS OGBONNAYA OKORO LINUS OGUNMOLA MUDASIRU ALABI MUSTAPHA ABIOLA OLAYIDE NWAFOR EUNICE IFEOMA OAIKHENA VICTOR ODEYEMI EFUNSEYI STELLA OGBOR SAMPSON SOKPANU OGUNMOROTI ADEDUNMOLA AJIBIKE MUSTAPHA ALIMI, ADESHINA NWAFOR IHEANACHO, GREEN OAKWOOD TRADING LIMITED ODEYEMI JULIANA OLUFUNLAYO OGBORU FRANCIS ALFRED OGUNMOYELA ELIZABETH TITILAYO MUSTAPHA MARIAM, IMAN NWAFOR IKECHUKWU JIDEOFOR NNAAYI OBADIKAH ERIDAMILOLA OPEYEMI ODEYEMI OLASUPO TIM OGBU CHRISTOPHER CHUMA OGUNNIYI ALIU OLUKAYODE MUSTAPHA RAMONI SALAU NWAGBA MMADUBUCHI OBADIKE GILBERT ODIKPO ODEYEMI OLUKAYODE, LAWRENCE OGBU DANIEL OGUNNOIKI ADEJOKE BUNMI MUTUAL EQUITY INSURANCE BROKERS LTD NWAGBARA FORTUNATUS ANAYOCHUKWU OBADIMU OLUSOLA ODEYEMI TIMOTHY OJO OGBU MICHAEL JONAH OGUNNOTE OLUWASEYI ADEDEJI RICHARD NAAFCO(S S)LTD (TRUSTEES) NWAGBARA JAMES NDUKWU OBADINA BIDIKAT AMOKE ODEYEMI YEWANDE ALICE OGBU ROSELINE, M OGUNNOWO-BOLAJI MARIAN MODUPEOLA NAKPODIA NAOMI OVIGUE NWAGBARA OLIVER CHIDI OBADINA HALEE OLADELE ODEYEMI ADEDAPO MARY ABIKE ALABA OGBUAGU CHINAZOR IFEOMA OGUNNUSI ADENIYI NAM NWIMUEYII JOSEPH NWAGBO CHARLES, KENECHUKWU OBADINA MORENIKE OLASUMBO ODEYEMI-FASINA BUKOLA FUNMILOLA OGBUAGU HILLARY OGUGOR OGUNODE ELIZABETH TAIYELOLU NANA SOLA EBENEZER NWAGBONIWE CYNTHIA ONYEKA OBADINA VICTORIA, OLUBUNMI ODEZUGO MICHAEL EMENTA OGBUAH VALERIE CHINEDU OGUNOJEMITE FELIX OLAOSEBIKAN NANNA GLADYS TORITSEGBOWA NWAGBOSO OBIAGELI, SHIRLEY OBAFEMI BUSAYO, AYEBABEBARA ODHIGADA CHARITY EKEMENA OGBUEHI IHEANYI ONYEBUCHI OGUNRINADE ADELANI NASAMU CHARLES NWAGU GODWIN OBAGHA EMMANUEL UDE ODIA OLUWAKEMI KRISTEIN OGBUEHI MERCY OGUNRINDE FOLAKE LYDIA NATHAN VICTOR NWAIGWE ANTHONY FERDINAND OBAJI HANSON SUNDAY ODIAHI VINCENT EHOVOUN OGBUEHI THEOPHILUS O OGUNRINDE KEHINDE OBAYEMI NDAH BEATRICE ASIKIYA NWAJAH CHIADIKA HENRIETTA OBAJI OBAJI OKPA ODIAKOSA ADEBUNMI.O OGBUEKIRI ELIAS OGUNRINDE OLA MUDATHIR NDAKWO HUSSEIN MOHAMMED NWAJAH CHIDIEBUBE ELTON OBAJIMI AJIBOLA ADESOJI ODIASE JISCO SAMMY OGBUIYI GLADYS IJEOMA OGUNRINDE OLUBUNMI ADIO NDEDIGWE CHINEDU MALACHY NWAJEI MARY, UKAMAKA OBAJULUWA EMMANUEL D ODIAUA SMART OGBUJI EMMANUEL OGUNRO OMOWONUADE ANTHONY NDEM NENE EYO NWAJERI CHIKA, JUDE OBAJULUWA VICTOR ADEMOLA ODIDI AUGUSTINE OKHOMEH OGBUJI NDUBUISI JEREMIAH OGUNSAKIN ABOSEDE ADENIKE NDEOKWELU EMEZIE NATHAN NWAJI EBERE, IMONTA OBAMUDI EKUNDAYO EKOSIKUGBO .E. ODIDIKA ANNE NKECHI OGBUJU SAMUEL CHUKS OGUNSAKIN MICHAEL OLATERU NDEOKWELU TOBY OBINNA NWAJIAKU SYLVIA UZOAMAKA OBANLA EMMANUEL ADEGBOLA ODIETE JOSEPHINE OGBUKA ULOMA OGUNSAKIN PATRICK OLASAMBO NDIDI CHINONYELUM CHRISTIANA NWAKA BEATRICE NENE OBANURE VINCENT FUNSO ODIGIE DAVID F ILENLU OGBULU LYDIA CHINYERE OGUNSAKIN PATRICK OLASUMBO NDIOKWELU NJIDEKA, GERALDINE NWAKAKU EMMANUEL CHINEDUM ONWUKWE OBASEKI BENSON OLUTOBA ODIGIE MICHAEL EBITAMAEHI OGBUNUKO PHILOMINA EBELE OGUNSANYA OLAJUMOKE EBUNOLUWA NDIRIBE ISIOMA FLORENCE NWAKAMMA-OKORO EBERE OBASI CHEKWAS NWOKOCHA UKEFI ODIGWE HYACINTH NWAFOR OGEDENGBE AUGUSTINE AKINTUNDE OGUNSANYA OLUSHOLA JOSEPH NDIRPAYA BATTAH YAGA NWAKODO UZOCHUKWU INNOCENT OBASI NMAJU MANG ODIKANWA BRENDAN ANAYO NKEMAKONAM OGEDENGBE KOLAWOLE OGUNSEKAN GABRIEL AKANBI NDON ETETIM AKPAN UDO NWAKOHU OLATINUKE OLATOKUNBO OBASOLA TAIWO JAMES ODILI NDIDI, ABIGAIL OGENYI OTOKPA WILLIAM OGUNSEMI OLUKAYODE BABATUNDE NDOO LOVEDAY NWAKONA IKECHUKWU REMIGIUS OBASUYI OLUSHOLA OHENHENUWA ODIMEGA BENJAMIN, UBA OGEYE BABATUNDE OLUKAYODE OGUNSEMI YEWANDE OLUKEMI NDUBUISI ALLISON, KELECHI VICTOR NWAKOR NNAMDI SYLVESTER OBASUYI TAIWO ROSE ODION ROLAND OGHARA JEME JACKSON JEME-JACKSON OGUNSEMORE MISHAEL, OLAMOYEWA NDUBUISI ISRAEL, CHIDOZIE NWAKUCHE IFEYINWA CHRISTOBEL OBATA JONATHAN, ODIONG SARAH, OSCAR EFFIONG OGHENAKPOBO JUDITH, OGHENEGARE OGUNSESAN ADEKUNLE ABDULRAHMAN NDUBUISI PATIENCE, CHIKAODI NWALA CHIJIOKE JONATHAN OBAYUWANA COMFORT ODOBO OLUWATOYIN OLAYINKA OGHENE KINGSLEY OGUNSIMIRIN OLAOLUWA MARIAM NDUBUOKWU HYACIENTH NWALIA PETER NGOZI OBAYUWANA GOODLUCK A ODOEMENE DORIS DABOTA OGHENEMERUO MICHAEL, OGHENEOVO OGUNSOLA ABIMBOLA NDUKA ISAAC HAYES NWALIE STEPHEN CHRISTOPHER OBE PETER AYODEJI ODOGWA EMETOMO SHARON OGHENEOVO OBORTUTU GODWIN OGUNSOLA ABIMBOLA OLUSOJI NDUKWE OLLAWA GOODNESS NWAMUO MARTIN OKECHUKWU OBE TOKUNBO IDOWU ODOGWU ANTHONY ILOBA OGHIAGBEPHA LIZZY, OGUNSOLA GLORIA THERESA NDUKWE ONYEDIKACHI PLACID NWANA SAMUEL UDOH OBECHE USMAN ADAMU ODOGWU HILDA NKECHI OGHOGHO ERHABOR OGUNSOLA OLULEKE AYOADE NDUKWO KALU OTAH NWANAZIA JUDE OBEDI EDMUND IFEANYICHUKWU ODOGWU KATE NKIRU OGHOGHO JUSTINA EKHOMAGBE OGUNSOLA OLUWATOYIN, AYOMIDE NDUKWO ROSE NNENNA KALU NWANEKEZI NANCY ULOMA OBEDIKU AUGUSTINE OYOVOTU ODOM BERNADETTE ADA OGHOLO LUCKY OGUNTADE TUNDE OLUWOLE NEBO CHINEDU CHARLES NWANERI PENIEL CHIDI OBELE CHIZOBA, ODOYI BENJAMIN OGHOLOH FESTUS OGUNTEBI FEHINTOLA NEGGAR HABBAR NWANERI STANLEY, OBELE JAMES, N ODUAH THEODORE OGHOLOH OSAGIE, AJIEGBELEN REX OGUNTONA MICHAEL, ABAYOMI NEKCO INT'L LTD. NWANGUMA GODFREY U. OBELLE DAN ODUBAYO THOMPSON PEDRO OGIDI ENENI OGUNTOYINBO JOSHUA NEMEYEKE ANDREW IKECHUKWU NWANGWU MAUREEN OBEMBE MOSES OLUSEGUN ODUCHE JAMES A OGIDI MICHAEL OGUNTOYINBO SOLOMON NEMI SELE-EBI GODDEY NWANI JOSEPHINE EJIME OBEMBE OLUSANYA, BABATOPE ODUDU CHRISTY, ENAKEME OGILO OLUWATOYIN OLAYINKA OGUNTUASE OLUFEMI NETWORTH SECURITIES & FINANCE LTD. NWANKPA AZUBUIKE CHRITOPHER OBETTA MALACHY OHABUENYI ODUDUKA SUNDAY OGO OLUWA COOPERATIVE, INV. & CREDIT OGUNTUASE YEMISI BOSEDE NEWLINE SAM YOUDUBAGHA NWANKPA CHIDI CHRISTOPHER OBEWU KENNETH ASOH ODUFISAN STELLA ODUDOLAPO SOC. LTD. OGUNWO OLUGBENGA AYODELE NEWTON-DENILA NKECHINYERE IJEOMA NWANKWO BEN JAMES OBEYA PETER, ODUFUWA DUPE VIOLET OGOEGBUNAM OKEY F OGUNWOLU OLAYIWOLA WABI NGELALE GODSPOWER OSILAOLLOR NWANKWO CAROLINE I OBI ANGELA E. ODUGBESI SALAMAT FUNKE OGOH NNEKA VIRGINIA OGUNWUSI ADELOLA NGENE AUGSTINE NWANKWO CASMIR, OBI ANTHONY UZOCHUKWU ODUJI CHRISTIAN U. OGOLA BIBOYE OLAYINKA OGUNYANWO FUNBI SEGUN NGERE UZOGARA PETER NWANKWO CHIKODIRI IJEOMA OBI AUSTIN ODUKA PETER IKENNA OGONA CLARA O. OGUNYEMI DEMILADE BABAJIDE NGWABA ONYINYECHI PATIENCE NWANKWO CHINENYE OBI CHAMBERLAIN.C, ODUKOYA OLAWALE OGOSI VALENTINE IFECHUKWUKWU OGUNYEMI FUNMILAYO ABIOLA NIGERIA UNION OF TEACHERS ABA SOUTH NWANKWO IDAH IFEYINWA OBI DORIS, C.N. ODUKOYA OLAWALE A OGUANOBI GODWIN OGUANOBI OGUNYEMI KUNBI WINIFRED BRANCH NWANKWO OTA OBI EUNICE, NWAKAOKU ODUKWE KINGSLEY TOCHUKWU OGUCHI JOY C. OGUNYEMI OLASIMBO OKIKIOLA ABIMBOLA NINIOLA AKEEM, BABATUNDE NWANKWO REGINALD, KENECHI OBI FELIX ANYIBUOFU NNACHUKWU ODULAJA SUNDAY IDOWU OGUEGBU CHIOMA OGECHUKWU OGUNYEMI TOBI GBEMISOLA NINIOLA RAFIU OLUWO NWANKWO STEPHEN OBI GLORY ODULAJA TUNDE ONI OGUERI MARY IHECHI OGUNYIPE ADEWALE NIRORO JOHNSON 0. NWANKWO SUNNY CHIDI OBI GODWIN C. ODULANA AKINRINADE OGUERI STEPHEN SUNDAY OGUNYOMI ABAYOMI VICTOR NIYI BOLAJOKO OLUFUNKE NWANKWO TIMOTHY OBI GODWIN CHUKWUNONYE ODULOYE ANIKE MOJISOLA OGUGUO LILIAN IHEYINWA OGUORA NNEKA, BRIDGET NJIONYE NWACHUKWU NWANMA EMEKA KELVIN OBI OBIORA DAVID ODULOYE OLUWATOYIN OGUGUO ROSEMARY NGOZI OGUZIE JERRY HENRY O.I NJOKANMA ASHIMEDUA M. NWANNE TOBIAS AMADIKWA OBI OKOYE CLEMENT ODUM CHRISTOPHER OKWUDILI OGUIKE LEONARD UZODINMA OGWUCHE AJENE, VICTOR NJOKANMA NGOZI JOHN NWANWA EMMANUEL EBERECHI OBIAKO THOMAS CHUKWUEMEKA ODUM LINDA NKECHI OGUJI GREYHAM, IHEANYI OGWUGWU BONIFACE, NJOKU CHIDI ZABUS NWANZE CHRISTOPHER OBIAKOR CHIKADIBIA ISAAC ODUM MICHAEL NMADILI OGUM ANDREW E OHAERI MAUREEN NKECHI NJOKU CHIGOZIE ENDURANCE NWANZE KANAYO F. OBIALOM CHIDI, SYLVESTER ODUM THERESA CHINYERE OGUMA JAMES OKPAKO OHAJU OKECHUKWU GODWIN NJOKU IJEOMA JULIET NWAOBI ELIZABETH, EZIAFAKAEGO OBIANIME IGBIKIOWUBO ODUMODY PETER CHUKWUKEZIE OGUMBA RUFFINA NGOZI OHANUGO WILBERFORCE NONYE NJOKU NKECHI, MARTINA NWAOBILO CHINAZA GOODNEWS OBIANUKA CHINONSO EMMANUEL ODUMOSU OLUMIDE ABIMBOLA OGUNAME NICANOR, NEFEJO OHANUGO WILLIAMS NJOKU SYLVESTER ONYEACHU NWAOGAZI BEATRICE OLUCHI OBIASOGU ODUMU JOSEPH OGUNBAIYEJE CHRISTIANA IDOWU OHAUKWU CHUKWUEMEKA JOSEPH NJOKU SYLVESTER ONYEACHU NWAOGU ANTHONY, ACHIBIRIM OBIDEYI TITILAYO AGNES ODUMUYE TIMOTHY OLUWASOGA OGUNBAMERU NIYI, OHAZURUME MARTIN, ONYEBUCHUKWU NKA AUGUSTINE A., NWAOGWUGWU ANGELINA NGOZI OBIDI UGOCHUKWU ODUNEYE ADENIYI OLUMUYIWA OGUNBANWO OLUSEGUN OHIEKU ABDULGANIYU NUHU NKAMENYIN EKPEDEME, NKAMENYIN NWAOGWUGWU CYRIL, ONYEKACHI OBI-EBOIKPON SUNDAY ODUNEYE OLUYOMI IYABODE OGUNBEKUN MUSTAQEEM OLORUNJU OHIKERE BOLA NKE GEORGE OBENKE NWAOGWUGWU KENNETH IHEMEBIRI OBIECHINA AYEBABEBARA ODUNIYI ADEDIWURA, IDOWU OGUNBIYI ADEBOLA OHILEBO ALICE OGHOGHO NKEMAKOLAM IHUOMA NKECHINYERE NWAOHA BASIL EZENWA OBIEKWE FERDINAND OKONKWO ODUNLADE SERAH OYENIKE OGUNBOR LAWRENCE KAYODE OHIRI ANGELA, CHIZOMAM NKEMEH CHINEZE NWAOHA FABIAN NGOZI OBIEKWE MARIA EKEMAKA N. ODUNLAMI ABOSEDE, OLUYINKA OGUNBOYO EMMANUEL, OLUMIDE OHUCHE JUDE UCHENNA NKEMNELE AUGUSTINE CHIBUZOR NWAOKOLO RITA OYIBO OBIEZE CHINYERE SYLVERIA ODUNSI OLAITAN OYETOLA OGUNBUMUYI OLUDAMISI OHWO CHARLES AKPOCHAI NKENNOR RAYMOND ILOBA NWAOKU DOROTHY CHINWE OBIGHEBELU CHRISTOPHER UMEANAEFUNA ODUNTAN JOHNSON, ADEFOWOBI OGUNDAINI OLUWAYEMISI OLABISI OHWOKEVWO JOSHPINE EJIRO NKEZE ANTHONY NWAOTULE EMMANUEL NDUBUISI OBIJIAKU THANKGOD IKECHUKWU ODUNUGA OREOLUWA MODUPE OGUNDANA OMOTAYO ABAYOMI OIGIAGBE OSENE NKWOCHA RICHARD N. NWAOZO CHIBUGO OBIKA CHUKWUEMEKA JOHN ODUNZE UZODINMA JOSEPH OGUNDANA SUNDAY, BENJAMIN OISAMOJE ODION LYDIA NMECHA NDUBUISI ISRAEL NWARU OBINALE, CYRIL OBIKE GRACE UDOAKU ODUORA OYELAKIN MICHEAL OGUNDARE BABATUNJI, OLUGBENGA OJAGBOHUNMI JACKSON SOMORI NNABUGWU-OKORO BRIDGET CHINYERE NWARUEZE NNEKA BECKY OBIKOYA JOSEPH ADENIYI ODUSANYA ADEBAYO OGUNDARE FUNMILAYO MOTUNRAYO OJALIKELE ALBERT, DOLOR NNAETO OBICHUKWU ERNEST NWASHILI CHIOMA ONYINYE OBILOR CHINYERE KATE ODUSANYA AMINAT, .O OGUNDARE MATHEW OYEDELE OJANOMA DAVID NNAGBO CHINEYENWA EMMANUELLA NWATU CYPRIAN A. NNAEMEKA OBILOR TYNDALE UCHENNA ODUSANYA AYOTUNDE ADENEYE OGUNDARE TAIWO OJARUEGA ONAJITE ANN NNAH DAVID NNAMDI NWAUZOR NKEMBUOFOR NATHAN OBINNA AUGUSTINA, NGOZI ODUSANYA COMFORT KEMI OGUNDARE TOLUWALASE ISAAC OJATULA EBUNOLUWA NNAJI CHRISTOPHER IKECHUKWU NWEKE AZUBIKE FRED OBINNA ROSELINE NGOZI ODUSANYA F.O. OLAYINDE OGUNDE GEORGE OLUSEGUN OJE TAMUNOTONYE PROMISE NNAJI EMMANUEL NWEKE CHRISTOPHER IFEANYI OBINNA VIVIAN IJEOMA ODUSANYA J.K. OGUNDE MORADEUN TAIWO OJEKEMI ADEOLU NNAJI KINGSLEY CHIWUNDU NWEKE CLEMENTINA NWODU OBINUGWU IKECHUKWU, ODUSANYA OLUFUNMISO OGUNDEJI JOAN BOLADE OJELABI DAMILOLA NNAJIUBA CHRISTOPHER UZOMA NWEKE TITILOPE TAWAKALITU OBIOFUMA MATHIAS UKADIYA NWAZE ODUSANYA S.B.ABIMBOLA OGUNDEJI MARGARET MOJISOLA OJELABI EZEKIEL, OLA NNAKUDO REMIGUS, NWEZE AUSTIN OBIOKOR DILIM ODUSANYA SIDIKAT M. 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OKORONKWO JOHNSON KALU OLAMOYEGUN JACOB KOLAWOLU OLUGBODE OLUWASOGOLAYEMI MOSES ONASANYA TITILAYO LATEEFAT ORAGE SARAH NANYONGO OKEDELE SAMUEL OLALERE OKOSUN MICHAEL, EDEHON OSAGIE OLAMUYIWA OLAPEJU OLUGBODE OLUYINKA ADETOKUNBO ONASANYA VICTORIA, ABOSEDE ORAGUNYE UJU THERESA OKEE-AGUGUO CHIOMA JENNIFER NENE OKOSUN VERONICA, OLANIPEKUN OLUWAFISAYO OLU-IBUKUN OLUKOYE OLADEJI ONASHILE HON. JUSTICE FOLARIN ORAKA UCHENNA, CHIJIOKE OKEGBENLE SAMSON IBUKUNOLU OKOTORE REGINA TENIADE OLANITORI JEREMIAH ABIODUN OLUITAN JEREMIAH ADEKANMI ONASHOKUN LAIDE BENSON ORANUSI AMAKA EBERECHI OKEHI AUDREY ADAURE OKOTURO GODWIN ANIREJUORITSE OLANIYAN AYODELE O. 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OKEKE JONAS ONWUEEBUCHULAM OKOYE JOSEPH, SUNDAY OLANLOYE KEHINDE OLUMIDE AKINOLA OLUYEMI ONI JANET OLUWABIMPE ORETUYI SOLOMON AKINBOYE OKEKE MATTHEW, EJIKE OKOYE MADUABUCHUKWU .O OLANLOYE KEHINDE ADEBOLA OLUMIDE RUTH OLUGBEMISOLA ONI JIMI ORIABURE HENRY, IDEMUDIA THOMSON OKEKE MAUREEN NKEM OKOYE NNAMELUGO BASIL OLANREWAJU BEATRICE OLUFUNMILAYO OLUMIWAGA EMMANUEL, OLUDOTUN ONI JULIUS OLUSOLA PAUL ORIAKHI DAVID E OKEKE MAURICE OKOYE OGECHUKWU N OLANREWAJU JOSHUA TAI OLUMUYIWA TOLUWANI ERIOLUWA M. ONI KEHINDE ADEYEMI ORIAKHI OMODAMWEN FREDERICK OKEKE NDIDIAMAKA CALLISTA OKOYE ROMANUS CHUKWUEMEKA OLANREWAJU JOSHUA, SULEMAN OLUNIYI OLAJIDE JOSEPH ONI MORENIKE OLULOLA ORIFOWOMO AKINTAYO OLABISI OKEKE NDUBUISI OKOZI INNOCENT, FRANCIS OLANREWAJU MARY NIMOTALAI OLUNLOYE OLUJIDE ADESINA ONI OBASOLA ADUNNI ORIFUNMISHE ANTONIA EZINWA OKEKE NKEM MISKOSOLU OKOZI INNOCENT, FRANCIS OLANREWAJU OLUBUNMI AYODELE OLUOKUN AKANBI OMOTOSHO ONI OLAKUNLE BABAJIDE ORIGHOYE NORRIS OKEKE OKEY FELIX NWACHUKWU OKPAIRE ADUNOLA, BUKOLA OLANREWAJU OLUSEGUN JOHNSON OLUOKUN KAYODE, JACOB OLUWASEYI ONI OYINADE ANNE ORIHIE ALBAN CHUKWUEMEKA OKEKE VINCENT OKECHUKWU OKPAIRE OMOH, OLUWATOBI OLANREWAJU WALE MATTHEW OLUPITAN RHODA MODUPE ONI SUNDAY BAMISAYE ORIRE SUNDAY OGUNTOLA OKELOLA OGHOME GLADYS OKPAKA CHIDERE RHEMA OLANUSI JONATHAN ORIOLA OLUSA SAMUEL OLUMUYIWA ONI TAIWO ADELEKE ORISAKWE NWAKO CHRISTIAN OKELOLA RACHAEL OLUFUNMILAYO OKPAKO BETTY OLAOFE TOLANI OLUSANYA ADEBISI IYABO ONI TOLUWALOPE OLADAPO ORISEJOBOR BETTY EHIAWADE OKEME MICHAEL OMACHONU OKPALA CHINEDU ROBERT OLAONIPEKUN ABDULRAHEEM OLANIYI OLUSEGUN JIMOH ONI TUNDE ORISILE TAJUDEEN KOLAWOLE ORIYOMI OKENIYI OLADIMEJI OKPALA JOSEPH IKE OLAOSUN GEORGE OLATUNJI OLUSEGUN OMOTADE RAUFU ONIBODE ALEX SIKIRU ORIYOMI ADEKUNLE OLUSOGA OKENWA PATIENCE, CHINYERE EGO OKPALAOBIOMA PETER OLAOYE ABDULKAREEM OLABANJI OLUSESAN TAJUDEEN ONIFADE GABRIEL DADA ORJI BASIL N. OKENYEKA CHRISTOPHER OKPALAOKA CHUKWUELOKA NNAEMEKA OLAOYE OLANIKE EUNICE O. OLUSESI FATAYI ADEBISI ONIFADE OLUFUNKE JOSEPHINE ORJI IHEANACHO OKEZUE OKEOWO SAIDAT, OLURANTI OKPARA ECO AMAEWHULE NNAOMA OLAOYE OLUWASOLA OLUWASEUN OLUSHOLA ABIODUN OMOLASHO ONIFADE SAMUEL OLUGBOLAHAN ORJI INNOCENT IGWEBUIKE OKERE AUGUSTINE ASHIGWU OKPARA OLUCHI, REGINA OLAOYE TITILAYO MARIA A. OLUSI MICHAEL OLUREMITOSIM ONIHA SOLOMON ORJI OVUNDA DIANA(MR&MRS) OKERE CALISTER N. OKPARA ONYELAKA GLADYS OLARENWAJU ISREAL, TEMIDAYO OLUTOLA GIDEON OLUSOLA ONIKOSI BISI MOJOYINSOLA ORJI PETER, OKERE CAROLINE, CHIZOBA OKPARAEKE STEVEN ONYEKWERE OLAREWAJU MOSES BIMPE .M. OLUTUNGASE IBUKUN MARGARET ONIMOLE GANIYU AJIBOLA ORJI ROBERT EMMANUEL OKERE SESAN OKPE ANDREW AGADA OLARIBIGBE TOSIN OLUWA ABIOLA OLUWATOYIN ONIRODUNNU ABDUL RAMON, AYINLA .I. ORJIEKWE CHRISTIAN OKEREKE FRANKLYN OKORIE OKPEAYE WILSON OLARINDE SOLOMON ADEMOLA OLUWA ISMAIL ABAYOMI ONITILO VICTOR OLUKAYODE ORJINTA UCHE BENEDETTE OKEREKE HENRY MAZI OKPELEYA ACHU ANTHONY OLARINDE TOLULOPE MODUPE OLUWA SULAIMAN BABATUNDE ONIWINDE AYODELE MODUPEADE OROKI CLUB 20, OSOGBO OKEREKE PETER AZU OKPO IKENNA MODESTUS OLASIMBO ADETOKUNBO IDOWU OLAYEMI OLUWABANWO OLUWASEYE AUGUSTINE ONIYAMA ESEOGHENE MERCY ORONSAYE CHRISTIANA OLACHI OKETOLA ABIODUN MICHAEL OKPO LUCY ONYINYECHI OLASODE BOLAJI MUTIAT OLUWABOLA DAVID OLUWAFEMI ONIYIROKUN ADETUTU ATINUKE ORONSAYE DORIS OKETOLA MATTHEW ADEBIMPE OKPO STEPHEN NNAMDI OLASODE BOLAJI MUTIAT OLUWABUSOLA VICTORIA, OLUFUNMILAYO ONNUCHEKWA OKORIE JENNY ORONSAYE HUMPHREY OKETUNJI FELIX, OKPU PAUL ONYEMAECHI OLASUNKAMI SAMSON KEJI OLUWADARE ATINUKE OLUWABUNMI.S ONOBUNJO OGUGUA SONIA OROPO NANCY TAMMY OKEWOLE ADELEYE ISHOLA OKPUBIGHO WILSON ENAJITE OLASUPO AMARACHI ADERONKE OLUWADARE GEDION ONOCHIE JOSEPH IKELUE OROTOPE-PAUL SEGUN OKEWUMI JOHNSON ADEMOLA OKUBOH SMART DANIEL. OLASUPO AYODELE, OLUWADARE OLUWATOBI DAVID ONOGE OMAFUME OMAMEKPE OROVWEMU BETHEL KEVWE OKEZE IFECHUKWUDE GODWIN OKUBOR JAMES IJIE OLASUPO FUNMILAYO OLUWA-IPADEOLA OMOWUNMI ONOGHUVWU JOHN.O. ORU ELEANYA O. OKEZIE ANGELA CHINAMEMMA OKUBULE FRANCESS ADEBISI OLASUPO FUNMILAYO, OLUWASANMI OYENIRAN ONOH GILBERT ANI ORUAMEN RICHARD FRIDAY OKEZIE NGOZI, NWANNE OKUEFUNA GEORGE IFEANYI OLASUPO OLANREWAJU OLATUNJI OLUWASESAN MATHEW OLUWAFEMI ONOJA ANEBI ORUGBOH DANIEL ORITSEJITEMISAN OKEZIE NWANERI I OKUGBE KINGSLEY GEORGE OLATEJU IYABO ADEBOWALE OLUWATOSIN OLUWASEYITAN AYOMIDE ONOJA SIMON, ORUMA RITA OMOWUNMI OKEZIE SMARTSON ONYEMA ISAIAH OKUJAGU KURO ELVIS TEKENA OLATERU-OLAGBEGI ADEGBITE OLUWOLE SUNDAY AKINLOLU ADEGBOLA ONOJOVWO MUDIAGA, ORUMEN DOROTHY, OKHAE ORATOR, OKUJAGU SHADRACH JAMES OLATINWO MUSIBAU ABIOLA OLUWOLE TAIWO OLUFUNKE ONOJUGO OBIORA ORUMEN PHILIPSON AISI OKHANI CHINDO J. OKUJAGU TEKENA OLATONA RICHARD OLATOMIWA TAIWO OLUWOYE OMOBOLA EMMANUEL ONOMUODEKE ISAIAH, RICHARD ORUMWENSE EVELYN AINUA OKHIRI AYODELE OLUFEMI OKUN FRIDAY OLATOSI ADEOLA OLUYA GREGORY OGBETA ONONYE EMMANUELLA NGOZI OSABUOHIEN JAMES OKHIRIA DAVE AYOKUNLE OKUNNU A A OLATOYE OLUFEMI JULIUS OLUYADI RASAQ AYODEJI ONUEGBU UNIQUE CHIAMAKA OSADEBE BERNARD CHUKWUEMEKA OKI PHILOMINA OKUNOLA BABATUNDE SHAROUFDEEN OLATUBOSUN TAYO I. OLUYEDE BEMJAMIN ADEBAYO ONUGBOLU CHUKWUEMEKA CHARLES OSADIYA OLUWASEGUN TEMITOPE OKI SULU OLARENWAJU OKUNOLA RISIKAT MOJIRADE OLATUNDE FUNKE, OLUBUNMI OLUYEDE SAMUEL, AKINTUNDE ONUH CAMILLUS OSADOLOR OSAZEE OKIKE UZOMA LASBREY OKUNRINBOYE WALELOLA ENIOLA OLATUNJI ADESOYE OLUYIDE ALBERT ADEFELA ONUH EMMANUEL, OSAGHALE MARYLIZ OSAGHALE OKILE KENNETH JINYEYEBRETONWA OKUSANYA THOMAS BABATUNDE OLATUNJI MOSES, ADEBAYO OLUYIDE VENESSA ABIOLA ONUKA MUHAMMED ABDULSALAAM OSAGIE FAITH OMON OKO LEO NDUBUISI OKUSANYA TOLU DAVID OLATUNJI OLADAPO OMADIBI SAMUEL SUMAILA ONUMAH EGBADE MORGAN OSAKWE FREDERICK AKOSA OKOAYE FOLASHADE, KUDIRAT OKUSANYA VICTOR OLADELE OLUSEKUNDAYO OLATUNJI OLAYIWOLA M. OMARE BEMIGHO JOSEPHINE ONUMAJURU ROSEMARY, OSAMMOR SOPHIE OKODIKE JEFF NWA OKUTORO SAMSON OLUSESAN OLATUNJI SAKIRAT-BOLANLE OMATSEYE JUBEMI JOLOMI ONUMARA ATO LAW OSANTA COMMUNITY BANK LIMITED OKODUWA AUDREY OKWAGBE JOSEPHIN OLAWALE SUNDAY OLAKUNLE OMAVUEZI CELESTINA ONUMBA CHINASA HYGINUS OSANYINJOBI BENJAMIN ADEOLU OKODUWA GREGG OSOBHAKHIA OKWARA ACHINIKE, SYLVESTER OLAWEPO OLAREWAJU SAMUEL OMEANU CATHERINE ONUOHA CHARLES O OSASA-JONAH VICTORIA OKOEKOH SIMEON OKWARA BLAISE UZOMA OLAWIWO JEMILAT MOTUNRAYO OMEIKE BEATRICE NWABUNOR ONUOHA CHIDINMA UGO OSA-UWAGBOE DEIRDRE ESOHE OKOEMAN SUNDAY EBHOAYE OKWARA CHIMEZIE CYRIACUS OLAWO OPOOLA, OLALERE OMEJE WILSON, IKECHUKWU ONUOHA CHIMA OSA-UWAGBOE NOSAYABA NOSAYABA OKOGBUA INNOCENT OKORO OKWARA CHINA OLACHI.B. OLAWORE AKINOLA KAYODE OMENAI HENRY IBHAD KWEME ONUOHA CHUKWUEMEKA OSAWE JEREMIAH OKOH ANTHONY IFEANYI OKWARA GEORGE NWABUEZE OLAWOYIN OLUWAGBEMIGA OLATUNDE OMERE MARIA ITOHAN ONUOHA FLORENCE ANGEL OSAWEMEN MATTHEW, UMAKHIHE OKOH COSMAS G. ALIKA OKWECHIME KINGSLEY, IKPEAMANAM OLAWUYI OYEBOLA BIOLA OMIDIJI OLUWATOYIN ONUOHA NWANNE CHIZARAM N. OSAYE-SALAU ISLAMIAT MOJISOLA OKOH STEVE OKWEDADI IFEANYI PATRICK OLAYANJU MOJIRADE, IDAYAT OMIGIE VICTOR ONUOHA UGO ELIZABETH OSAZEMWINDE SAMUEL OKOI SUNNY STEPHEN OKWU MODESTUS OKECHUKWU OLAYANJU YEKINI ADEMOLA OMIKUNLE ADEWOYE EBENEZER ONUORAH ANTHONY IFEANYI OSAZUWA GLADYS OKO-JAJA FRANKLYN ERASMUS OKWU RHODA CHIKEREMA OLAYEMI AKINNUOYE AKINSIPE OMILANI AND ADEGOKE TRAD. CO ONUORAH NGOZI, UZOAMAKA OSEGHALE EHIABHI MAXCELL OKOKO GABRIEL NNANA OKWU CHIDERA OLAYEMI OLAWALE ISAAC OMINIYI ABIMBOLA OLUWANIFEMI ONUWAJE ESIMAJE MELLE OSEGHALE EHINOMEN MARY OKOKON GODWIN SUNDAY OKWUDU NNEBUOGOR NGOZI OLAYEMI OLUGBEMIGA OMINIYI ABIMBOLA OLUWANIFEMI ONWE REGINALD CHUKWUMA OSEJI MICHAEL, IKENNA OKOLI CHUKWUKA EMMANUEL OKWUKE DICKSON LUCKY OLAYINKA ADEWALE TAIWO OMINIYI ADEDAYO OLUWADAMILOLA ONWUAMAOKE IJEOMA OSENI AKEEM WALE OKOLI EMMANUEL CHIDOZIE OKWUOLISA I.K.B OLAYINKA OLAYEMI OMINIYI ADEDAYO OLUWADAMILOLA ONWUBIKO JAMES CHIDIADI OSENI AYOOLA AJIBIKE OKOLI FRANCISCA CHIBUZOR OKWUOSA IFEYINWA, PEACE OLAYINKA-OJOTU FUNMILOLA OMINIYI MOFIYINFOLUWA ADEYEMI ONWUCHEKWA ARTHUR CHUKWUBIKE OSENI BARAKAT I. OKOLI NKEIRUKA OLA OLUBUNMI CAROLINE OLAYIWOLA EZEKIEL ORE OMINIYI MOFIYINFOLUWA ADEYEMI ONWUCHEKWA OBINNAYA SOLOMON OSENI BASHIRU SHOLA AKANNI OKOLI ONYEKACHUKWU ANTOINETTE OLA OLUSEYI AJIBOLA OLAYIWOLA SERIFAT OMINIYI OLUWAPELUMI ADEKUNLE ONWUDILI PARTINGTON GODWIN OSENI HALIMAT O. OKOLI RAPHAEL, OLA ROTIMI EMMANUEL OLEBUOMA UCHECHUKWU MADUKAIRO OMINIYI OLUWAPELUMI ADEKUNLE ONWUDIWE OGUGUA MACHARRISON OSENI MUTIU, OLADELE OKOLI SAMUEL OBINNA OLABANJI MICHAEL OLUROTIMI OLELE VICTOR OGBONDAH OMISANYA EZEKIEL OLUBAMIJI ONWUEGBUNAM GLORIA NKIRUKA OSEZUA JACOB SUNDAY OKOLIE CAROLINE COMFORT OLABISI COMFORT OMOLARA O. OLELEWE ANGELA UCHECHI OMITAYO ADESESAN ADEMOLA ONWUEGBUSI CHINEDU EMMANUEL OSHEWA TH VEN.OLUBANJO OKOLIE MABEL, IFEOMA OLABODE ADEWALE MUFUTAU OLELEWE INNOCENT NDUBUOKE OMIYALE OLATUNJI OLADIPUPO ONWUJIUBA MICHAEL EKWEBENA OSHIKOYA ADEBUKUNOLA OKOLIE STEPHEN IFEANYICHUKWU OLABODE JOHN ADEBAYO OLEMU DAVID OMOBOYE OLABOWALE MULIKAT ONWUKA CHUKWUNONSO CHARLES OSHIKOYA ADEDOTUN NEYE OKOLIKE EMEKA PASCAL OLABOWALE SAMUEL DAMILARE OLISA OKWUCHUKWU INNOCENT OMOGBEHIN YEMI CHRISTIANA ONWUKA NNAMDI ADMIRAL OSHIN OLUMAYOKUN OKOLO JOSEPH ANIMABUA OLADAPO ADEBUKUNOLA IYABODE OLISA ROLAKE JOSEPHINE OMOGIADE INNOCENT ASAGBOURBA ONWUKA UCHE JOHN OSHIN OLUREMI KOLAWOLE OKOLO JUDE, OKECHUKWU OLADAPO MATILDA OLLA PHILIP ABOLADE OMOJEFE OTUAGOMA LEO ONWUKWE STEPHEN NDUKA CHIKEZIE OSHIN CLARIBELLE BOTOSAN OKOLO OGOCHUKWU GIBSON OLADAYO VICTORIA OLLEY TOSAN AKINTUNDE OMOJOWO ADESOLA ADETUTU ONWULALI PRISCILLA EZINWA OSHINAYA MODUPE AYOOLA OKOLO SULE ISAAC OLADEJI GABRIEL OLAWUYI OLLORNWI SUNDAY OMOJOWO AYANFE ADEOLU ONWUMERE BERNADETH, CHIAKPOLAMASI OSHINAYA SHAKIRAT ADESEWA OKOLO SULE ISAAC OLADEJI OLADDARIDE FATAI OLOBATUYI JOHNSON OLORUNFEMI OMOJOWO COMFORT ADEDAYO ONWUNALI MICHAEL NGOZI OSHINDHINI ADEBAYO OKOLO SUSAN, TOYIN OLADELE ADEBINPE ADERINOLA OLOBAYO OLUWATAMILORE ISABELLA OMOJOYE MALLON OLATOYE ONWUODIONU NWABUEZE IGNATIUS OSHINYEMI GRACE MOJISOLA OKOLOCHA DOMINIC OKEKE OLADELE ALBERT ABIODUN OLOGUN JOSEPH OLAKUNLE OMOKORE EBAIDE ONWUTALU ONYEKA JAMES OSHINYIMIKA JOSEPH ADESOJI OKOLOKO OMOJEVWE, SARAH OLADELE DAVID AYOOLA OLOGUNAGBA ADEKUNLE FELIX OMOKPO SONIA, OMOH ONWUZULIKE ESTHER ANWULI OSHO ALADE ILORI OKON BONIFACE ETIM OLADELE DAVID OLATUNDE OLOJAKPOKE BRIGHT DAFE OMOKPO FRANCISCA ODIO ONYEAGORO LOUIS ONYEJELAM OSHO BABATUNDE, AYODELE OKON CYNTHIA ESE OLADELE DAVID OLUGBENGA OLOJEDE AMOS A. OMOLAJA FUNKE OMOLARA ONYEANU DAVID, OSHO OLADAPO OLAYINKA OKON PAULINE OLADELE GRACE ADEYOLA OLOJO-KOSOKO RASHEED OMOLAJA THEOPHILUS OPE-ODU ONYEBARA KELVIN IKECHUKWU OSHODI YETUNDE ABIMBOLA OKON SIMON JAMES OLADELE IFEOLUWA OLOKE MOSES ABIODUN OMOLAYO BOLANLE OLAYINKA ONYEBUCHI-MUOTTOH CHUKWUEBUKA W. OSHOKO OMOTAYO ABOSEDE OKONGOR OBASE BICENE OLADELE JOHH IRETIJESU OLOKODE DANIEL AYOOLUWATOMI OMOLAYOLE OMODAYO THERESA ONYECHI ANTHONY, EMEKA OSHOMAH ZULUFIK, BASIL OKONGWU MAXWELL OGOCHUKWU OLADELE OLUWATOSIN, BOLAJI OLOMITUTU JOHN TUNDE OMOLE RACHEAL OYINLOLA ONYEDIKE ANTHONY OGOCHUKWU OSHUN WESLEY, OLUYOMI OKONJI OLUYEMISI OLUSOLA OLADEPO OLUSOJI FREDERICK OLOMO B. OMOLARA OMOLEWA MARY OLUWAFUNBI ONYEGBULA EVEREST CECIL OSHUN PHILIP OKONKWO ANTHONIA TOBECHUKWU OLADIMEJI ALBERT SUNDAY ADELEYE OLOMO JAMES BOLARINWA OMOLOLA EVELYN ADERONKE ONYEIKE HELEN CHINYEREM OSIDIPE OLAJIDE EDWARD OKONKWO CHINEDU OKECHUKWU OLADIMEJI DEBORAH TAYO OLOMOLA GABRIEL ISOLA OMOLOYE ADESINA ADEBIYI ONYEJI AMBROSE OKEKE OSIEGBU EMMANUEL OKELEKE OKONKWO CHRITIAN AGADUEKE OLADIMEJI FRANCIS IBUKUN OLOMOLA GRACE ADUNNI OMOMOH EDDY, MUSA ONYEJIUWA LILY, NGOZI OSIGWE CHINEDU EMMANUEL OKONKWO EDWIN CHIJIOKE OLADIMEJI ISIAKA ALANI OLOMU MERCY OMONIJO BLESSING ONYEKERE HYACINTH NKWACHUKWU OSIKOYA RASAKI ABIODUN OKONKWO JOSEPH OLADIMEJI JOSHUA KOLAWOLE FOLORUNSO OLOO ERAOBARI GLORY OMONIJO BLESSING ONYEKWELU ANGELA IFEANYICHUKWU OSINEYE TITUS OLUSANYA OKONKWO KENNETH SUNDAY OLADIPO BANKOLE OLOPADE DAVID, OYEYEMI OMO-OSOBA NOSA ONYEKWERE FERDINAND AKUNESI OSINOWO ADURAGBEMI A. OSINOWO OKONKWO KEVIN KENECHI OLADIPO JAMES OLUWOLE OLORI JONATHAN STEPHEN OMOPEMI ADENIKE OLUTAYO ONYEKWERE FERDINAND AKUNESI OSINOWO MARK ADETAYO OKONKWO OBIORA VINCENT OLADIPO EMMANUEL SUNDAY OLORI MORRISON OBASEKI OMOREGBEE ROLAND, ONYEMECHI JOHN CHUKWUDI OSISANYA ADEDEJI, OKONKWO RICHARD, M. OLADIPUPO OLANREWAJU GIDEON OLORUNFEMI DORCAS OLUBISI OLAPERI OMOREGHA ADEBANJO, ONYENACHO THEODORE CHUKWUEMEKA OSO OLUSEGUN SUNDAY OKONKWO UGONNA, SYLVESTER OLADOJA ABOLANLE DORCAS OLORUNFEMI OMOTAYO OLABODE OMORO ROWELL EBASEIMOKUMO ONYENAJO SUNDAY OSOBA ADEYEMI, SOLOMON OKONKWO VICTOR OKECHUKWU OLADOJA GBOLA OLOTA MARY GBONJUBOLA OMORUYI EKI ANGELA ONYENSOH PEACE, UCHECHI IVONNE OSOBA BABAFEMI O. OKONKWO VICTOR, CHUKWUNONSO O. OLADOJA OLASUNKANMI OLUSEYI OLOWODOLA COMFORT OLUSOLA OMOSEBI KUNLE, ONYEOYE OLUCHUKWU BENARD OSOBA PERE, OKONMAH JOHN NWANNE OLADOKUN SUNDAY OLOWOKUDEJO OYINDAMOLA, OLUREMI OMOSEHIN BOLAJI COMFORT ONYEUKWU NDIDI, EBERECHUKWU OSOBA VICTORIA OMOLARA OKONMAH MAUREEN ADAOBI OLADOSU CLAUDIUS OLUTOYIN OLOWOLAFE FRANCIS OLUYEMI OMOSHOLA TOPE IFE ONYIA CHRISTIAN C. OSOMO OYEBODE AYORINDE OKONO DAN, IME OLADOSU OLUWANIFEMI PRECIOUS OLOWO-OKERE ISAAC, KEHINDE OMOSOWOENI OYEBO FREDRICK ONYIA CYPRIAN, OSONDU EBE OKO OKO-ODION EHICHOYA OLADOYE OLUWOLE OLAWALE OLOWOYO OMOLAYO LAWRENCE OMOTOLA JELILI ADEBISI ONYIA ONWUSA EMMANUEL OSOPALE BABATUNDE ADEWUNMI OKOPIE AGATHA OLADUNJOYE ABIOLA VICTORIA TEMITOPE OLOWU KAZEEM OLUROTIMI OMOTOLA JELILI ADEBISI ONYIBOR PETER, NWAYO OSOROH JEFF OYOVWE OKORIE BERNARD EJIKE OLADUNJOYE OLUFEMI MATTHEW OLOWU MICHAEL, FOLORUNSHO OMOTOLA OLUSHOLA, ABIODUN ONYIKE ONYIKE O. OSSADEME HUMPHREY
96 Ecobank Nigeria Annual Report 2010 OSSAI CHUKWUKA DANIEL OYEWOLE JOKOTADE BAMIDELE SANGOWAWA BABAJIDE OLUDARE SOYOYE BABATUNDE TEMITOPE UDEZE GODWIN O. USMAN OMOTAYO OSSAI MICHAEL UGWU OYEWOLE JOSHUA OJO SANGOWAWA JUMOKE ST. EMMANUEL AYOOLUWA-SIMON PETER UDI OTOME STANLEY USMAN TAHIRU OSSAI OLUSEGUN NKEONYE OYEWOLE OLATUNDE SANGOWAWA OLUFEMI STELLA OMU UDO EDET JONAH USMAN ZABEDE GARBE OSU SAMUEL MBANUZO OYEWOLE RASAKAT OMOWUNMI SANGOWAWA OLUWATIMININU STEWART KATE, EMWINGHARE UDO MOSES, JAMES USO UBONG, ENO OSUAGWU AGATHA UKACHI OYEWUMI MICHAEL AKINDELE .O. SANI DALHATU MOHAMMED SUBAIR LATEEF AYODELE UDOAKANG NTA ARIT USORO ENNETUK EFFIONG OSUAGWU CHINEDU GODWIN OYEWUMI OLUFUNMILAYO SANNI GANIYU, KAYODE SULAIMAN OLUWAYEMISI ADENIKE UDOFA LINUS, MONDAY USUANLELE OMORUYI EKUWA OSUAGWU FLORENCE IJEOMA OYEWUSI OLUWAFUNMIKE OYEKEMI SANNI MONSURU ADIO SULE AISHA, UDOFIA DAVINA ANGELA UTOMAKILI BENJAMIN CAPTAIN OSUAGWU HONEST CHIBUZOR OYEWUSI OYELERE SANNI MUJIDAT ENIOLA SULE EMMANUEL OSHONEBOH UDOFIA EDIDIONGBASI OFEJIORO UVIOVO AUGUSTINE ARUOKPARARE OSUAGWU STELLA CHINWE OYEYEMI FELICIA TITILAYO SANNI OSENAT KEHINDE SULE MUSTAPHA ADEGOKE UDOFIA EMMANUEL ESSIEN UVWIE LUCKY OSUBOR NWACHUKWU DESMOND OYIBU ABIGAIL SANNI RISIKAT ANIKE SULE RABIU NASIR UDOFIA NKEREUWEM, SUNDAY UWA JOY EBIKABOERE OLUFUNMILAYO OSUBU STEVE AUSTIN BIODUN OYIMI OMARE TARE VICTORY SANUSI MARYAM SULE YABAGI UDOH ABASI ANAMNSAKI SOPHIA UWADIAE ODUWARE OSUJI PHILIP, FRANCIS OYINLOLA KOLAWOLE, ISAAC SANUSI OMOLARA SULE-KOIKI ADEDOKUN, WAHAB UDOH BASSEY TOM UWAEZU ROSALINE CHINYERE OSUJI UGOCHUKWU CHRISTIAN OYINLOYE BENJAMIN OLADELE SANUSI SAKIRU OLUSEUN SULEMAN ABDULRASHEED, MUSA UDOH CHARLES SEBASTIAN UWAGBOE EWEAN GODFREY OSUME RICHARD, OYOLOLA SIDIKATU SANYADE-IBIKUNLE FELICIA O. SULINOS VENTURES LIMITED UDOH EKPE, BASSEY UWAIS IBRAHIM OSUNDARO JONATHAN OLUFUNMILOLA OYOLOLA TIJANI ADEBAYO SARUMI OYINDAMOLA SULU LUKMAN IDOWU UDOH INIH B. UWAKHONYE MOSES OSUNKAYODE HABIBAT AFOLAKE OZ1M CHUKWUEMEKA SARUMI RASAQ, OLAITAN SUNDAY DAVID, UDOH PHILLIP ANIEFOK UWAKWE EDITH NGOZI OSUNSAN OLATUNBOSUN RASAK OZAKPASSOU GABRIEL KOSSI SAVAGE ABIODUN SUNDAY GEOFFREY ONYEUKWU UDOH THOMAS FRIDAY JOSEPH UWANDU BASIL CHUKWUEMEKA OSUNSAN TOLULOPE OLUFUNMILAYO OZEGBE OGOCHUKU SAVAGE BABATUNDE SUNNET SYSTEMS & DATACOM SERVICES, LT UDOINYANG CLEMENT UWANGUE KATE, OSARUGUE OSUNSANYA AGNES OLUFUNKE OZOANI DAMION ONYEMAECHI SEDUN TITUS SAFI SUPERNATURAL DIMENSIONS LTD UDOINYANG TITUS EKPO UWANNA CHUKWUEMEKA OSUNSANYA KOLAPO K OZOMARU KIKELOMO REBECCA SEGILOLA ARAOYE SURAKAT ABDUL GANIYU UDOKOP EKAETTE, SAMUEL UWATSE TOSAN, OSUNTOYINBO EMMANUEL OLUFEMI OZOMUNO .C. SEGUN-OSIFESO MARGARET OLUFUNMIKE SUTTON AYODIPUPO MICHEAL UDOKPAN ABASIAMA UWECHUE GEORGE NWOKOCHA OSUOHA ANTHONY CHUKWUDI OZOR ANAYO GOZIE SEGUN-OTA JEREMIAH TUNDE SUTTON OLUKAYODE PETER UDOMA ISRAEL SUNDAY UWODE DAVID AGUN OTABOR CHRISTOPHER OZOR EMEKA MICHAEL SEMAKO MOSES DEHUMO TAFRI CHRISTY CHRISTIANA UDOUSORO TAHIRIH EMMANUEL UWUIGBE IGBINOWA OTADE ADEDOYIN, DUROJAIYE OZUAH PETER SEMOWO RACHAEL ADETOWUN TAFRI MICHAEL OGHENOVO UDU-IFEOMA STELLA EZECHUKWU UYINMWEN TAIWO OTAFU SUNDAY, OZUBELE OLUWATOYIN, ABIMBOLA SENBANJO ADEBISI OLATUNJI TAHDOK MARYAM FEMICIT UDUKU CHINYERE, COMFORT UZOEZIE LEONARD, NWEKE CHUKWUEMEKA OTARU ROTIMI OJE OZULIGBO- OKAFOR AMAECHI, ANTHONY SERIKI FATAI ADIO OLANREWAJU TAIRE MOSES UDUMA CHUKWUEMEKA UZOH NOMSO HENERY OTEGBADE OLADOTUN OZULIGBO-OKAFOR AMAECHI, ANTHONY SERIKI OLADAPO OLUJINMI TAIRE MOSES, SHILOH UDUMA OKORIE KALU UZOKA JAMES AKWUDINUNOR OTERI EUNICE ESE OZURUOCHA CHINEDU ZEBULON SESSI BENEDICT ADESOLA TAIRE PATIENCE UDUMBA BOMA, IFEOMA CRESENT UZOKWE OMOLAYO CHIKA OTERI FRANK PADONU KOFI, AJAYI SESSI MODUPE ADENIKE TAIWO ABIODUN ADEBOLA UDZER TERPENDAL JERRY UZOMA ASSUMPTA NGOZI OTERI MICHAEL ONORIEVURAYE PALMLIGHT ASSOCIATES NIG. SGOCH NETWORK LIMITED TAIWO BABATUNDE SIKIRU UFONDU EBUKA NNAMDI UZOMA KINGSLEY CHUKWUEMEKA OTHMAN HALIMA SHEHU PALMPRO NIGERIA LIMITED SHABI ADEBUSOLA OJUOLAPE TAIWO MONICA KAKA UGBEN ONAJOPHE GODSPOWER UZOMA PATRICK AMAEFULE OTISI AWO, O..A PASEDA ESTHER JOLAADE SHAIBU ABDUL TAIWO ODUNAYO, FATIMO UGBENE OBUKOWHO, KINGSLEY UZOR BENSON, NDUKWE OTISI NDUKWE ANDY PEARL ONYX LIMITED SHAIBU ADIJATU KUBURA TAIWO OLAIDE UGBODUMA STEPHEN OVIE UZUAZEBE WAZO BENTON OTITOLOJU ABEL PELEMO ANTHONIA NDIDIAMAKA SHAIBU SUNDAY ANEVERE TAIWO OLAJIDE, ELIJAH UGBOGU MARKLENE CHINATU UZUEGBU CHINONSO GOLDEN OTOBO NODON PEMII IMMACULATA ZIGA SHAKIOYE JEMILAT OLAIDE TAIWO OLAWALE SURAJ UGBOMA KATE WILHEMINA UZUM NELSON IFEANYI OTOR GABRIEL, O PENNFIELDS SECURITIES LTD SHAKIRU KASALI A. ELEGNUSE TAIWO OLUFEMI OLUKAYODE UGBOMA PATRICK CHIKE UZUMEFUNE STEPHEN, OTOWO ONJEFU JEFF PEPPLE CHRISTOPHER, IWO SHALOM CAROL TAIWO OLUSEYE DUPE UGBOMAH IFEAKACHUKWU DESIREE VIDJOGNI-JOSEPH JOHN F. OTTI CHIBUIKE, BASIL PEREASUODE JOY ENEBIMODE SHALOM ACADEMY LTD TAIWO OLUWATAYO UGBOR VINCENT CHIBUOKE VINANI JOHN TAAGALO OTTO BENJAMIN, PETER ASENI FESTUS SHANDE M GIDEON GBEDDA TAR TAIWO TEMITAYO CAROLINE UGHOJOR THOMAS OKPAKO VINCENT ABIOLA ANTHONIA OTUAYE JACOB ETU PETER FESTUS ASENI SHAWANA ESTHER INUMIDUN TAJUDEEN JELILI, SUNKANMI UGHOO BONIFACE VINCENT ABIOLA OLUBUKOLA OTUDOH CHARLES PETER IBRAHIM SHEHU AWWAL TAKPE JOSEPH UGODULUN FRANCIS XAVIER OKOYE VINTONA NIGERIA LIMITED OTUFOWORA HAKEEM ADEBOLA PETERS COMFORT NSIDIBE SHETTIMA HUSSAINI TANIMOWO ISAIAH ADEKUNLE UGOJI JOSEPHINE JANE VIVA SECURITIES LIMITED OTUMARA FANNY MEJEBI PETERS EBUNOLUWA OLUFUNMILAYO SHEUN MOTORS LTD TAPERE ISAAC, SUNDAY UGOMOH EVANS CHUKWUDI WABARA CHINEDUM IBEGBULEM OTUNBA AIMSAR PETERSEN KUNLE SHINKAIYE KAYODE TAPOL INT'L LIMITED UGWANYI ANGELA, CHIKERE WADA FOLASADE MOULIN OVHORI PATRICIA, EFEVBERA PETERSIDE SODY DODD SHITTU GANI OLALEYE TARI SANSON KWADA UGWOKE EDITH OGOCHUKWU WAHAB FATAI ABIODUN OVIAWE ALUEBHOSELE PHILIPS CHUKWUDUBEN, P SHITTU MUKAILA ADEDOYIN TARIAH FOLUSO TITILAYO UGWOKE GODWIN CHINWE WAL-MAC INVESTMENT LIMITED OVIOMAIGHO AKPOVUGBETA MICHAEL PHILLIPS DAVID, OLUWASEYI SHITTU OLATUNJI, OLUBUNMI TAYO ADESOJI UGWOKE GODWIN OLISA WANOGHO OTEVWE, JOYCE OWABIE RACHAEL EBERECHI PHILLIPS CONSULTING LIMITED SHITU OLUREMILEKUN IYABODE TCHETAN JOSEPH UGWU BOB MICHAEL WARMATE TAMUNO-EMI OWADAYO IBITOWA KAYODE PINIKI VICKY SHOBO JULIET ISIOMA TEKEME ESE SUNDAY UGWU CELESTINE CHINEDU IGWEBUIKE WARMATE TAMUNO-NENGIYEOFORI OWAGBEMI BUKOLA FAITH PIONEER INVESTMENT INDUSTRIES LIMITED SHOBOWALE ADEDOYIN SEKINOT TESUNBI SAMUEL UGWU CHRIS ANIOGOLU WARMATE TAMUNO-SAKI OWANGA TELEMA CRAWFORD POPOOLA ADEBISI GBEMISOLA SHOBOWALE ADENIKE, IYABODE TETEDE OLUFEMI EMMANUEL UGWU CYRIL ONWUAMAEZE WARMATE TAMUNO-TONYE OWATE SAMUEL C POPOOLA FRANCIS, OLALEKAN SHODEINDE MICHAEL, OLORUNSOGO THE EST. OF ONWUMA, ERNEST NWOSU UGWU CYRIL ONWUAMAEZE WEST MICHAEL DENTON OWEN CHINONYEREM UDENSI POPOOLA GABRIEL AYODELE SHODEINDE OLALEKAN THE EST. OF LATE ADETUNJI TUGBOBO UGWU IGNATIUS WIKINA ENIYE OWHONDA CHILE GLORIA POPOOLA ISAAC OLUFEMI SHODIPE FOLASHADE OMOYENI THE ESTATE OF ADEYEMI, THEOPHILUS ADENIYI UGWU KENNETH UGWU WILCOX ALESTA OWHOR CHEMBARLINE POPOOLA ISIAKA ADELEKE SHODUNKE WAHAB ADEDAYO THE ESTATE OF BABALOLA, STEPHEN O UGWU MAUREEN, WILCOX DAGOGO OLUMIDE OWHOR PRINCE EMENIKE POPOOLA LEKAN SHOFOLAWE-BAKARE OLATOKUNBO THE ESTATE OF GBAGBA, TAIBAT OYINADE BOLANL UGWU NWAKAEGO OYINMA WILCOX TUMINI DAMILOLA OWINIMOYE ZUONAKI POPOOLA MARY EKEREONYEUBA SHOGBANMU OLUSEGUN OLUFEMI THE ESTATE OF IGE, EMMANUEL IBIYEMI UGWU OBIOMA JULIET WILLIAMS ABIOLA OLUBUSOLA OWODUNNI ADEGOKE AHAMED POPOOLA OLUSHOLA EMMANUEL SHOGBOLA OLUWAROTIMI OLUCHI THE ESTATE OF IKEH, CHARLES OSITADINMA UGWU OKWUDILI WILLIAMS AJUWAEZE FRANCIS OWODUNNI MUYIDEEN ADESHOLA POPOOLA OMONIYI OMOWON SHOKALU OLUFEMI THE ESTATE OF NGBARAONYE, NMESIRIONYE PAUL D. UGWU VITUS ONUORA WILLIAMS CHIDINMA CHARITY PRINCESS OWOEYE MOSES ADEREMI AKANBI POPOOLA TEMITAYO OLULADUN SHOLAJA OLUWAKEMI ISLAMIYAT THE ESTATE OF OKONJI, SIMON IKECHUKWU UGWUEGBULAM CHIKWEM CORNELIUS WILLIAMS EMMANUEL UDO OWOEYE-WISE ABIMBOLA B. POPOOLA WAIDI SHOMADE JEMILAT SUBUOLA THE ESTATE OF SHOBOLA, EBENEZER OLA UGWUNNA DEMIAN WILLIAMS ETHEL O. OWOGHIRI PEACE POPOOLA YUSUF ADETORO SHONAIKE VICTOR ODUNBAYO THE ESTATE OF UGONA, SAMUEL PATRICK UJOEGAH GODSPOWER WILLIAMS GAFAR ABDUL OWOJORI FUNSO OLUYEMISI POUBO EBIBOTEI ELISHA NIMITEI SHONIBARE CONCEPCION ARAMIDE THE ESTATE OF LATE JOSHUA N. OYABAYO UJUBUONU PIUS CHUKWUDUM WILLIAMS HANNAH INEYE OWOLABI ADEDOYIN IDOWU POUBO EBIYERI RUTH NIMITEI SHONOWO MICHAEL KOLAWOLE THE ESTATE OF LATE MICHAEL, OSUME UJUBUONU RAPHAEL, WILLIAMS JAMES OLADIPO OWOLABI ANDREW PETER POVIANU JULIANA SHONUBI FOLASODUN ADEBISI THE ESTATE OF LATE ZACCARIAH WOLE ADEFEHINTI UKADIKE IKENNA ANDREW WILLIAMS MACCS CHIMEHURA OWOLABI ANTHONY ADETOLA PRATT AKINTOMIWA SHONUBI FOLASODUN ADEBISI THE LEARNING PLACE UKADIKE NNENNA ADAOHA WILLIAMS MURITALA ADEOLA OWOLABI AWEDA WASIU PRINCEWILL NDERIYA BESSI SHOPEJU EFUNBOSEDE AYOTUNDE THEESTATE OF OLAWEPO, RAPHAEL ALABI UKAEGBU ABRAHAM IKWUONWU WILLIAMS OBAFEMI WAHAB OWOLABI DARBY JOSHUA OLUSEGUN QUADRI ABIBU ISHOLA SHORE OLUWA THEOPHILUS OLURINDE UKAEGBU CHIEMELA GRACE WILLIAMS OLABODE OWOLABI FATIA IBUKUN QUADRI AYODELE A. SHOREMEKUN BASHIRU AREMU THLIZA THLAMA LASSA UKAEGBU IKEOKWU REX VIRGILUS WILLIAMS OLABODE OLUSANJO OWOLABI FOLA QUAO ALFRED A. SHOSANYA MARTINS BABATUNDE THOMAS ANGELA C. UKAEGBU SAMUEL A. WILLIAMS ORIYOMI OWOLABI JELILI AJAO RABOR DEREK AKUGBE KOLAWOLE SHOWEMIMO MUSIBAU ATANDA THOMAS EDISON NIG LTD UKAEGBU VICTORY CHINELO WILLIAMS SUNDAY IDOWU OWOLABI OKE OLAJIDE RAFIU IDOWU SHOWUMI YESIDE ABIOYE THOMAS KOLA OLUGBEMINIYI UKAULOR JOE WILLIAMS UWOM EMUGHEDI OWOLABI OLATUNDE ADISA RAIF MONSURU OLAWALE SHOYEBI TITUS OLUJIDE THOMAS MOJISOLA MORIYIKE UKEGBU EUCHARIA UDOACHIUWA WILLIAMS-HART BOMA EMMANUELA OWOLABI OLUREMI OLABISI RAIMI MUIZ AYOMIDE SHOYELE JULIUS OPAFEMI THOMAS MOROHUNRANTI OLAOLUWA A. UKELINA CECILIA UGIANUMEYE WILLIE GRACE OKON OWOLABI OLUSEGUN S. RAIMI-HASSAN MOYOSORE-BUSOLAMI, SHUAIBU OMUYA JOHN THOMAS RIFUKAT AYODEJI UKENNA JEFFREY IFEANYICHUKWU WILLS EMEM WILCOX OWOLABI OYENIKE OLUSOLA RAJAFA ELIJAH TIJERU SIDI MOHAMMED ABDALLAH THOMAS TAJUDEEN OBAFEMI UKO KAZIE, WILSON ABAYOMI OLUKOGA OWOLABI YEMISI, RONKE RAJAFA FLORA UNUAKEMOLEN SIKIRU WASIU AYINLA THOMAS WILLIAMS BABATUNDE UKO PETER CHUKWUDI WILSON DAVID MANTO OWOLABI OLUFUNMILAYO .O RAJAFA MENYANA OVIE SIMON LOHNAN DAVID THOMPSON ADENIYI AYODELE UKOHA OLUCHI MILDRED WILSON-ADU OLUWANIFEMI, OWONIFARI DAVID ABIODUN RAJI ABDUL QUADRI SINGSINI RUTH, THOMPSON ESTHER NKECHINYERE UKONU FESTUS, OLUCHUKWU OLUWADAMILOLA OWONIFARI-LAWAL YETUNDE, IDERA RAJI AKEEM ALAFE SITU IDOWU THOMPSON JOSHUA, EBONG UKOR JOSEPH WILSON-ADU OLUWANIMOFE .O. OWONIYI DAVID & ONAOLAPO RAJI BASHIRU OLADELE SIYANBOLA AKINTAYO THOMPSON KAYODE OLANIPEKUN UKPAI ACHI DANIEL WOGHIREN NANCY OKPASIGBE OWONTE MAGNUS HART RAJI LABAKE MOJISADE SIYANBOLA HAKEEM OPEYEMI THOMPSON MBUOTIDEM, EBONG UKPONG FRIDAY, WOHEREM MAGARET, PATRICIA OWOWA GLORY MODUPE RAJI NAJEEM SIYANBOLA OLADELE TAIWO THRIFT BARN INVESTMENTS LTD. UKPONG UMO CLETUS WOJUADE ESTHER OMOYIADE OYADEJI ABIOLA OLAITAN RAJI OLADEINDE YEKINI SIYANBOLA OLUMIDE TIDI ORITSETIMEYIN JOSHUA UKPONREFE LUCKY OSAZEE WOPHILL RANKIM, OYADEJI VICTORIA OLUWAYEMISI RAJI TEMITOPE, JUDE SMART-GEORGE CHIKA TIJANI ABOSEDE LIZZY O UKUANOVWE BLESSING WOSU CHIGOZIRI, OKECHUKWU OYAHANYE SAMUEL, BOLA RAMOS MUTIAT OLAITAN SMITH HAKEEM ABIODUN TIJANI MUSTAPHA MOHAMMED UKUANOVWE BRIDGET WRIGHT PETER OLU OYAKHIRE MARIA RASHEED LUKMAN ALABI SMITH IBIRONKE MULIKAT TIJANI-ADENIYI ASISAT OLOLADE UKUANOVWE RITA WUSU TEMITOPE MODUPEOLA OYALANA OYEWUNMI RASHEED-ROSENJE L A OLUWAGBEMIGA ESQ. SOBAMIWA OLADUNNI RONKE TIMI-LAWAL SULEMON ALAO UKWENU OLAYEMI HARRIET WUYEP JONAH, DOMFA OYALOWO ANOT, OMOTAYO REHOBOTH-LINK INVESTMENT [NIG] LTD. SOBAMIWA OLUFEMI 'DIPO TIMOTHY CHIMA UKWU JUDE CHIKAODIRI WUYEP NANZING OYAMENDA OMOLEGBE JOHN RENTIL CRABS INVESTMENTS LTD SOBANJO ADELANI ADEDEJI TITILAYO ADEMOLA ULU FORTUNE, YAHWEH DAVID, TUNRAYO OYEBADE ADELEYE OLUSOLA RHEMA DIVINE-FAVOUR SOBOGUN FELIX DOTUN TITILOLA ADETOKUNBO UMANA IME DICK YAKOUB BIMPE MUSILIMAT OYEBADE BUKOLA AMOO RHEMA EMMANUEL GREAT SOBOLA DOYINSOLA DAVID TOBUN M O T OLAYIWOLA UMAR MUSA CHINDO YAKUBU ABUBAKAR MOHAMMED OYEBADE OLUFUNKE ABOSEDE RICKETTS OLUFEMI LETICIA SOBOLA JESUNFUNIFEMI, MIRACLE TOKAN-LAWAL FOLASHADE UMARU DAKAYA YAHAYA YAKUBU JAMES SUMI OYEBAJO FEYISHOLA SHERIFAT RIMANS MARTINS MARPHUM SOBOLA OLUWASETEMI DEBORAH TOKEDE JULIUS OLUKAYODE UMARU BABAGIDI SAFIYANU YAKUBU MARYAM OYEBAMIJI JULIUS ALANI .O. RIMI BILKISU SOBOWALE MAYOWA OLUTAYO TOMORI LATEEF LAYIWOLA UME ASSUMPTA I. YAQ'OUB MUNIRA OYEBAMIJI OYEKOLA ATANDA ROBERT LOUIS CHIKAODI SODADE A. TONEIKO DEVELOPMENT CO (NIG) LTD UMEALAJEKWU GODSON CHIGBO YAYA WASIU, ADEROUNBI OYEBANJO OLUFUNKE OLUTOYIN ROBERT OBARO SODE OLUSESAN TORIOLA SAOBANA ABIODUN UMEANO JEREMIAH, CHUKWUEELIE YAZBECK GEORGE EFEOGHENE OYEBANJO OYESINA OLUTOMIWO ROBERTS ROSEVITA NENE SODEINDE OLUTAYO TORIOLA SAOBANA ABIODUN UMEBUALI PROMISE YAZBECK MICHELLE UWHUMIAKPO OYEBO YEMISI GRACE ROBINSON OMOYEMI, EROMOSELE SODIPO BABATUNDE, ADEBAYO TOUN AUGUSTA BINAWARE UME-EZEOKE CHINWE THEODORA YAZBECK RITA EJOMAFUVWE OYEBOLU OLUWAFUNMITO ABISOLA ROMAINE SAMUEL UCHECHUKWU SODIPO OLAIDE MONSURAT TUMO OLUBAYO, OLANREWAJU UMEH FAVOUR TOCHUKWU YAZBECK VALERIE OGHENETEJIRI OYEBOWALE A. OLUWAKUNMI, NEE KOLAWOLE ROMEO WARIKU IBISO SODIPO-OKIKIOLA GLADYS OLUBUKOLA TUNDE-OKOTURO BOYOWA UMEH INNOCENT CHIMA YEKEEN RAFIU AJIBADE OYEDEJI ADEBAYO OLAYIWOLA ROTIMI GABRIEL BOLA SOEZE OGECHI RITA TUNDE-OKOTURO OWEN UMEH INNOCENT CHUMA PETER YEKINI MORUFU OYEDEJI NAJIMDEEN, OYESHINA ROTIMI MODUPE ADE GRACE SOFILE MUDASIRU AKINWALE TUNKARIMU ENNEYI UMEH LINUS CHUKWUDI YEKINI TAJUDEEN ADEBARE OYEDEPO YETUNDE, MODUPE NEE AFOLABI ROYALBELL INVESTMENT & EDUCATIONAL SOFOLAHAN ABAYOMI ABDUL-LATEEF UAYEMEN EBOREIME LEKY UMEH MIRACLE CHINAZA YEKINNI NURUDEEN LANRE OYEDIRAN EMMAMUEL OYEJIDE LIMITED SOFUYE ADEGBENGA OLUFEMI UBA JOSEPH UMEH VINCENT OKEKE YESSUFF ADEJOKE ADUNNI OYEFESO ADEDOLAPO, IBIYEMI RUFAI OLUWATOSIN SOGAOLU TAIWO ABIOYE UBA KENNEDY UZODIMMA UMEOBI EKOBA AMAKA .H. YESUFU OMOTAYO, ALADE OYEGBAMI OLUSEGUN OLATUNDE SAAD BIOLA SALAMAT SOGBESAN R.OLUKAYODE UBA OBIORA CORNELIUS UMEOHANA FRANCIS CHUKWUMEZIE YILU ODUNLAMI OLATINUKE OYEGUNLE MULIKAT, KUNBI SABIU MAZURAT SOHAIL JOSEPH A. STEFANO UBAH CHARLES, NWABUEZE UMEOKWOCHI JESSIE NKIRU YISA CHRISTIANA NNAWO OYEGWA EDOH SADIQ SHAKIRU ALADE SOJI-JOHN SHOLA, UBAJI VALENTINE CHIBOKA UMERI KINMATE POST YOUNG CHINYERE OYEKAN ABIOYE ADEBOLA SAIBU MORUFU ADISA SOKUNBI MOSES OLADIPO UBANDOMA JONATHAN UMO ASIAN UDO YUSSUFF WAHEED AYINDE OYEKAN IDIAT, OLOLADE SAID RAMON ADIO SOKUNBI OLUWAPELUMI UBANGHA SUNDAY USANG UMOEKA JAMES NDARAKE YUSSUFF AKINLAJA WASIU AJIBADE OYEKAN TEMITOPE THOMPSON IDOWU SAKOTO OLANIKE OLANREWAJU SOLA-ADEYEMI OLUWASOMIDOTUN UBANI GLORY NWANYIOMA UMOETUK WILLIE YUSUF JUMAI OYEKUNLE FELICIA SALAHUDEEN BALQUEES KEMMY SOLA-ADEYEMI TOLUWANIMI KOFOWOROLA UBANI REGINALD ATEDOGHU BEKEME UMOH JONES JIMMY YUSUF LAWAL, GANGARAWA OYELAJA BOSE, SALAKO ABEL SOLABOMI EDWARD OLUWASEYE ABIODUN UBARU OZAH JAMES UMOH JOSEPH SUNDAY YUSUF OLAREWAJU, KAZEEM OYELAMI GANIYU MORAKINYO SALAMI FOLAKE SOLABOMI VANESSA ABIOLA UBBAONU NNENNA JOY UMOH VALENTINE OKON YUSUF OZOVEHE JOSHUA OYELEDUN BOLANLE OLUYEMISI SALAMI MICHAEL BOLA SOLAFAK UBE MICHEAL OKPESI UMONNAN MIKE JOE YUSUF T. AFOLASADE OYELEGBIN ADEREMI ISMAIL SALAMI SIKIRU I ADISA SOLANKE OLUBANKE LINDA UCHE CHRISTIANA IJENWA UMORU SULE MUSA, ANAKHU YUSUF TAYO RAFIU OYELEYE DELPHINE IMAOBONG SALAU JIMOH ADEBAYO SOLARIN ELIZABETH ABOLANLE UCHE EMMANUELLA CHUKWUNOMUSO UMOTONG FRIDAY BENJAMIN YUSUF TIJANI AKANBI OYELOLA ABOSEDE, ADETUTU SALAU LATEEF ABIONA SOLID-ROCK SECURITIES INVESTMENT UCHE ORJI INNOCENT UMUNADE OGHENETEGA, MARVIN YUSUF AKINLAJA TALIATU AJAYI OYELOLA AZEEZ OLADEPO SALAU OLAYEMI LIMITED UCHEGBULAM VICTOR UZOMA UMUYAH FELIX, UMUYAH YUSUF AYO SALLY OYELOLA OLUWAKEMI UBEGE SALAU RAZAQ, ADESINA BABATUNDE SOLOMON FELICIA UCHENDU GODWIN, OGBONNA UNAEGBUNAM NKOLIKA SCHOLASTICA YUSUFF BAASIT OLAIREWAJU OYELOWO OLUGBOYEGA, T. SALAWU ADEGBOYEGA HASSAN SOLOMON HANNAH IYABODE UCHENDU JOYCE IFUNAYACHUKWU UNAGHA CLEMENT UGOCHUKWU YUSUFF BARAKAT OLAYINKA OYENEYE OLURANTI ANTHONY SALAWU ADEGBOYEGA HASSAN SOLOMON OLUREMI EMMANUEL OLUSOGO UCHENDU ROSELINE EZINWAYI UNAMMA RAYMOND PAUL A YUSUFF IBRAHIM OLANREWAJU OYENEYIN OYEYEMI F. SALAWU MOHAMMED SOLOMON OLUWOLE TIMOTHY ADETOKUNB UCHENNA CHRISTIAN, OBI CHUCKS UNEGBU ANICHIETUS IKENNA YUSUFF KHADIJAT OYENIRAN ABIODUN DOMINIC SALAWUDEEN RASAKI AKANMU SOMIARI NENE EMMANUELA UCHEWUJO IKENNA UNIGWE SYVESTER EMEFIENA YUSUFF OLUSOLA, SEMIU OYENIYI FELIX OYEYEMI SALE GARO GARBA SOMUYIWA BABABODE AKINBOMI UDE OKO ARUNSI UNIMI JONATHAN ENEMAKWU YUSUFF SEMAJA SUNDAY OYENIYI FESTUS KAYODE SALIHU ABDUL QADRI YUSUFF SOMUYIWA(DECD) SOMUYIWA UDE ONYEBUCHI ANGUS UNOBUNJ OGBUGU DONALD ZAKARI MAIRO ESTHER OYENIYI OLUWAFEMI IDOWU SALISU ADEKUNLE OLUMIDE OLOLADE(ADMOR) ELIJAH OLATUNJI UDECHUKWU ARINZE, JACOB UNOBUNJO CAROLINE ZINI ARIOMAWHA BRIDGET OYENIYI SAMUEL BOLOJOKO SALISU RAFIU SONAIKE ADEYINKA OLABISI UDEGBE DORIS IMOBIYE UNOBUNJO STEPHEN OPUTA ZUBAIRU DAVID, SAMBO OYENUGA VICTOR OLUSEGUN SALMAN TOSHO ABDULHAMEED SONDE BOLAJI NELSON UDEGBULAM MOSES UNOKA EMMANUEL IFEANYICHUKWU OYERINDE MODUPEOLUWA OLASUNMIBO SALVARDOR MUYIBAT ANIKE SONDE OLUFEMI GBENGA UDEH ANTHONIA CHIOMA UNUGBOKE LOVETTE, OYESANYA IDOWU ADEBAYO SAM OMINI NTA SORIYAN OYEDOKUN, ADESINA UDEH ANTONIA CHIOMA UNUIGBOJE FELIX OAIKHENA OYESIKU OLAYIKITAN IBILOLA SAM-AYARA PRINCE SOSANYA TINUADE OLUSOLA UDEKA JOHN IZUKANANWANNE UNUIGBOJE KOREDE G. OMOUAH OYETADE OLUREMI ANTHONIA SAMBO MATTHEW BATSAA SOTANDE OLUBUNMI AYOTUNDE UDEMEZUE DOLLY URHIE CHRISTOPHER IGHO OYETADE-SORUNKE SAMUEL OINTADE A SAMSON RACHAEL ALABA SOTE KAYODE UDEMEZUE NNAEMEKA, BENARD USHEBI FIDELIS BINI OYETOLA MUSHAFAU OLUFEMI SAMUEL IJEOMA SOTUNDE JOHNSON OLALEKAN UDENKWELE CHUKWUEMEKA CYPRIAN USMAN AJANI MOHAMMED OYETOLA TITUS SAMUEL OLUSESAN, FAKUNLE SOWHO UFUOMA IGHO UDENNAKA IFEANYI EMMANUEL USMAN FATAI NIY OYETOLA TITUS SAMUGANA CYLINE UMO SOWOLE OLAOLUWA UDENSI FREDRICK CHUKWU USMAN JUMMAI BALARABE OYETUNJI ABIOLA SANBROS TRUST AND SECURITIES LIMITED SOYELE ADEFUNLOLA OJUOLAPE UDENSI PATIENCE NNENNA USMAN MUSA ADEOLA
Ecobank Nigeria Report 2010 97 AIYEPEKU COMFORT ADETOLA ALKALI HAMMAN BELLO AYODABO TENIOLA, OLAWALE DAVID-WEST MAYNE, Returned Warrants AJABOR CHUKWUDI EDWARD ALLI ADEKUNLE, AYODELE AYOTUNDE OLUTUMBI DAVIES JERA, SUNNY AJADI ADEBAYO OLANREWAJU ALLISON SEMIU OKANLAWON AYODELE IBIDAPO BOLAJI DAVIES-JONES ARNOLD AJADI ADEBAYO, OLANREWAJU ALLOH OVIE AYONOADU WILLY ESAU DAWODU ABUDU FARIU O ADENOLA JULIANA, ABOSEDE AJADO OLADIMEJI AYINLA M. ALOTU CHIDIEBELE AYORINDE OLUMIDE, JOHN DAWODU KOLAWOLE, OLORUNYOMI Shareholder Names ADENOLA OLUBUNMI, ADEMOLU AJAGBE JOSEPH ADEBAYO ALOZIE LINUS, UCHECHUKWU AYUBA IYABO FLORENCE DE-CANON INV.-TRADED-STOCK-A/C ADENUGA OLUJIDE MIKE AJAH BONIFACE, AUDU ALTRADE SECURITIES LIMITED AZEEZ WAHEED ADEBAYO DEMA LANCELOT SAM Payment 14 ADENUGA YEWANDE ADERONKE AJAHD DOLAPO JELEEL ALUEDE MONDAY IGBERASE AZODO EDWIN, OSITA M. 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ADEWOLE ISEOLUWA ADEWOLE AKEREDOLU FELIX OLUROTIMI ANIELO VALENTINE NDUBUISI BAMGBOYE OLADUNSI, ABOSEDE EDAH OGBONNIA ADAMOLEKUN FEHINTOLA OLAYINKA ADEWOLE MODUPEOLA CLIFFORD AKHALUMENYO PHILIP ANIEZUE ESTHER IJEOMA BAMISILE OMOLOLA, OMOWUNMI EDDIE-NWOKOLO HELEN, ONYISI ADAMU ALHAJI YAHAYA ADEWOLE SUNDAY AKHIBI EHIAHAMEN, JOHN ANIFOWOSHE MARY FOLASHADE BAMSA VICTORIA REMI EDEDE CHARLES AKHIGBE ADAMU UMAR HAMMAN ADEWUMI MICHAEL ADESOJI AKINADE JANET OLUFUNKE ANIMASHAUN SAHEED, OLASUNKANMI BAMSON APELE, EDEKE OROK OKON MICHAEL ADARAMOLA OLARENWAJU AGNES ADEWUNMI CAROLINE ADEJUMOKE AKINADE OLUSEGUN, ANNAN TITILOLA, BANKOLE LAWRENCE ESAN EDENOJIE PIUS AKHABUE ADEBAJO ADETOKUNBOH ADEWUNMI STEPHEN S AKINBINU TOPE RAYMOND ANOCHIWA SOROCHI PAULINUS BANKOLE RILIWANAT, OLAJUMOKE EDEOGBODO VERONICA ADEBANJO ADENIYI OLAIDE ADEWUSI ABRAHAM, KAYODE AKINBISEHIN FOLORUNSHO ADEBAYO ANONYAI EZINWANNEBUIFE AUGUSTINA BAREYEI WILLIAM, TAKUYE EDET GLORIA ADEBARI JAMES ABAYOMI ADEWUYI AKINADE ADELEKAN AKINBODE OLURANTI MORAKINYO ANONYAI OSAHAENYE BARRAH VINCENT EDHUGHE MICHAEL ATEMUMEVO ADEBAYO ABAYOMI ADEYEFA JOSHUA, ADENIRAN AKINBULEJO DAN DEHINBO ANOSIKE JOY, OKWUCHI BASEDA SUNDAY USUA EDIKE ADINEBO ADEBAYO ADEDOYIN ADEFOLA ADEYEMI ADEDOTUN ADEBAYO AKINDELE-OBE OLUTAYO, OLUSEYI ANOSIKE STEVE OKEY BASSCOMM NIGERIA LIMITED - - EDOZIE CHIBUNDU NKEM ADEBAYO ASIMIYU, ADEYINKA ADEYEMI BISI AKINDIJI EBUNOLUWA, ADEWUMI ANTHONY KOLAWOLE CLAUDIUS BASSEY JAMES, EDOZIE HYCENTH AZUKA ADEBAYO LYDIA ADENIKE ADEYEMI OLUWAKEMI ADENIKE AKINDURO ENIOLA OLUMIDE ANTHONY OBAFEMI ABIODUN ADETOUN BASSEY MARIA- THERESE JUDE EDOZIE HYCENTH AZUKA ADEBAYO OLANIKE ADEPEJU ADEYEMI OWOLABI, AKINGBADE ROBERT AKINBOLA ANUKA UCHENNA AUGUSTINE BASSEY OFONME EMMANUEL EDOZIE MITCHEL CHIDUBEM ADEBAYO RASHEED AKANNI ADEYEMO ADEMOLA MICHEAL AKINGUGBE SAMUEL AYODEJI ANUMADU JOSEPH, EZEJI BAYODE CHRISTOPHER, AGBOOLA EDOZIE ROSELINE IFECHUKWUDE ADEBIYI OLAJUMOKE ADETUNMI ADEYEMO SAMUEL OLUSOLA AKINJO MARTINS, ABAYOMI ANUMU PETER BAYOMME WAIDI AKANNI EDOZIE STEPHANIE OGOCHUKWU ADEBIYI OLUSEFUNMI ABEGBE ADEYEYE AREMU MATTHEW AKINJOLA JOSEPH AKINKUNMI ANYA FRANK UME BELENTA AJARA EDUGIE RAPHAEL IYAMU ADEBOWALE JOSHUA OLADELE ADEYEYE JONATHAN OLUFEMI AKINKOYE MICHAEL OLUFEYISOLA ANYADIEGWU ANENE NGOZI BELLO ABASS, MOFOMOSARA KOLAWOLE EDUN ADELEYE KUBURAT ADEBOYE ADEBAYO AKINWALE ADIABUA LAWRENCE AKINKUGBE OLUSOLAPE OLUBUNMI ANYAEGBU CHUKWUDI UCHE BELLO ABIOLA, ABIODUN EDUN ZAINAB, BOLARINWA ADEBUTU AJIBOLA BANKOLE ADIBUA JAMES, NDUBUISI AKINLADE FEMI AKANJI ANYAEGBU UCHECHUKWU GODWIN BELLO ADERONKE KUDIRAT EDWARDS ADEOREOLUWA ADEDAPO ADESOLA RICHARD ADIEGBU WILSON AKINLEYE ELIZABETH OLUWEMIMO ANYAEGBUNAM OBI BELLO AHMED RUSA EDZOA ONANA BILOA FELICIEN PAUL ADEDEJI CHRISTIANA IBIYINKA ADIGBO MARGARET MORENIKE AKINLEYE WASIU, OLALERE ANYALEBECHI CHUKWUEBUKA BELLO ANTHONY EROMOSELE EFERE AKPORIJESU PATIENCE ADEDEJI FLORENCE OLUFUNMILAYO ADIGUN AYODELE AKINLOLU MUSTAPHA AKANNI ANYALEWECHI SUNDAY, AJAERO BELLO FATIMO EFFIONG AUSTIN, DAVID ADEDEJI OLUFUNKE T. 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BOYO OMADELI AUGUSTINE EIGBOBO ADAORA ADEJARE-KUTI FATAI KAYODE AFOLABI ISAIAH OLUGBOLA AKIODE OPEYEMI MARTHA.O ARTHUR JULIANA LATRE SIBI BRAIMAN KOLAWOLE MUDASHIRU EIGBOBO WILKES ODEODE ADEJINLE MARY TAIWO AFOLABI RASAK, ADISA AKIODE OPEYEMI, MARTHA OLORUNFEMI ARULEBA SIMON OJO BRESS FRANCIS OLUFADERIN EJEGI HAROLD OLUFEMI ADEJO EDACHE MIKE AFOLABI SAKA AKOJIE JULIUS AYOBORE CARL ARUNA BENSON BROWN AUGUSTA INYINGIEREFAA EJEMAH GODDAY OROBOSA ADEJOLA ADISA KOLAWOLE AFORIJUKU FRIDAY, VALENTINE AKOMOLAFE KOMSON OLAJIDE ASAJU JULIANAH, TITILAYO BUARI MUSA ELETU EJIKEME NNENE ADEJOLA SHERIFF ATAND AGABA MUYISAT, ADUFE AKOREDE ADEOLA OLUBUNMI HALIMAT ASANAENENG NSIKAK, AKAMBA BUMBA JIDDA ELIYA EJIMONYE MARCEL IFEAKA ADEJORO OLUSEGUN FOLORUNSO O AGADA FAITH AROME AKOREDE ADETOLA JAMIU ASAOLU SAMUEL IGE BUYENGUM FAMAINA EJIOFOR CALISTA UZOAMAKA ADEJORO PAUL PHILIPS AGBABOKHA MARIAN AKPAN AUGUSTINE UDOIKPA ASEMOTA FRIDAY BWALA HAMSATU, JOSHUA EJIWUNMI OLUBISI MORADEKE ADEKANBI ADENIKE, AGBANUSI ONYEKA, CHIBUZOR AKPAN JOSEPH E ASHAOLU ABEL IDOWU BWAZANG ANTHONY, KARFE EJUKONEMU ROLAND ADEKANBI OLUBUNMI, AFOLAKE AGBAOSI OLUTOMI, DOYIN AKPAN KING, BENSON ASIEGBU MARK, O. BWAZANG PAULINE, EKA BASSEY, OKON ESQ ADEKANMBI MOJISOLA ALAKE AGBEBIRE AGBEBINE AKPAN MFON OKON ASIEGBU ONYENATURUCHI, ESTHER CAPITAL PROVIDERS & SEC LIMITED EKANEM EMMANUEL, SUNDAY ADEKANMBI RAIMOT, OYEBISI AGBEDE ADEJOKE RUTH AKPAN UBONGABASI NSE ASIEMOR OGHENEVO JOHNSON CAREW KARIMOT S. OLAYINKA EKE BRIDGET ONYEMA ADEKANMBI SAMUEL, ADEBIMPE AGBEJUASUN RICHARD ECHUKUAMAKA AKPILE JOSEPH OBUKOWHO ASIYI OKECHUKWU, CHRISTIAN CHARLES JONATHAN CHIKE EKEBE ANNE CHINYERE ADEKANMBI STEPHEN, BABATUNDE AGBO AKPA MARTINS AKPORE BLESSING ASU JANET BESSONG CHIEGBOKA THEOPHILUS OKEKE EKECHUKWU BRIDGET, ADEKEYE DAVID, ABIODUN AGBOIRE NAREREME EDEVOR AKPORIDO EMMANUEL UTUEDO ASUNI ADEBOLA CHIKWE TINA CHINEYE EKEMEZIE FRIDAY CHUKWUDI ADEKOYA ADESEGUN ABDEL-MAJID AGBOLADE OLUMUYIWA ADENIYI AKPOROBI PATIENCE, ASUOHA CYPRAIN CHUKWUEMEKA CHIKWEM THEOPHILUS, C N EKERENDU OKON ANTAI ADEKOYA DAVID GBEKEL OLUWA AGBONIEI NOSAKHARE, NELSON AKPOVIRI OGHENEKPAROHWO, JOSEPH ASUQUO AUGUSTINE CLEMENT CHIMENTA PATRICK NNABUIKE EKI CLEMENCE OKEOGHENE ADEKOYA KEHINDE ADETOUN AGBOOLA ADESOLA, AKPUNONU REGINALD, UGOCHUKWU ASUQUO JOSEPH, OKON CHIONUMA OLORUN KEMI EKIGWE CHINEDU ADEKOYA SILIFAT ABENI AGBOOLA OLAYINKA, OMOLOLA AKUETE ERIC H.A KWAOVI ATIKU MUTIU, ADEBAYO CHRISTOPHER CONFIDENCE UGOMA EKOP JOYCE ENO ADEKUNLE EMMANUEL ODESINA BOLAJI. AGHEDO AKUGBO JULIET U., & THEOPHILUS E. ATOBATELE ADEBAYO OLABIRAN CHUDE OLUCHUKWU, EMMANUELLA EKOP OTOBONG ALBERT ADEKUNLE OLUWASEYI, EMMAUEL AGHEDO PIUS, OSAWARU AKUNYEONU DOMINIC ATOGUN SUNNY, KELLY CHUKWU JOHN EKPE CLIFFORD, CHIBUIKE ADEKUNLE STELLAMARIS AGORNDEY SETH AKUSU MARTHA EJENAVI S ATOKPA OKHIFO ARTHUR CHUKWU KINGSLEY O. CHUKWUNMA EKPE EDIOMOBONG OSHOGIEME ADEKUNLE TEMIDAYO AGOYE FLORENCE, FOLASADE ALABI ADEMUYIWA ADEKUNBI ATSENUWA WONIGHAN RICHMON PEREZI CHUKWU VICTOR OGBONNAYA EKPENYOUNG MARY, EKPIKEN ADEKUNLE TEMITOPE AGU EVELYN, CHINYELU ALABI AMOS OYETUNDE ATTA DAUDA, IBRAHIM CHUKWUEMEKA SAMUEL CHIKELU EKPEYONG EMMANUEL DAVID ADELAJA IDOWU, FATIMAH AGU FRANCIS OBIAGELI ALABI BIODUN, ATULEGWU BENEDICT, CHUKWUEZI MARTIN NDUDI EKPO NNEOMA ADELAJA SUNDAY, BAMIDELE AGUMAGU RUTH WORI ALABI HAKEEM OLABIDEMI AUTA KEENEA, BULUS CHUKWUNONS0 EMMANUEL, CHINEDU EKUNDAYO JANET MOJISOLA ADELAKUN ADEMOLA ADESANYA AGUMBIADE SOLOMON OREOLU ALABI JAMES OLALEYE AVOAJA OBILO, IKECHUKWU CPL WAZIRI GAMALIEL JEN EKUOWUPHIOMA EZEKIEL ADELAKUN MONMODU ADEDEJI O. AGUNBIADE JOSEPH AKINOLA ALABI SEKINAT AWA CHINWEORDER C. CREATIVE MARKETING SERVICES EKWEGBALU NCHEDO, FRANCISCA ADELEGAN SAMUEL AFOLABI AGUNBIADE SAMUEL, ABIODUN ALABI TUNDE ABIMBOLA AWE DAVID, OLATUNDE CRUSADER INSURANCE (NIG)PLC EKWO NDON EDEM ADELEKE AMOS, ADEKUNLE AGUNLETI TAJUDEEN SALAWU ALADE ELLIOT ADEDEJI AWE TEMITOPE, CURTIS JOSEPH FLORENCE, FOLUSO EKWONU JOHN, AMA ADELEKE BAMIDELE DAVID AGUNSOYE OLUROTIMI, JOHNSON ALADE EZEKIEL ADEBAYO AWOBODU BABATUNDE DABONOR BENSON OMAMEKPE EKWUTE EJIKEME IGNATUS ADELEKE OLUFUNSO, AGUOCHA NKWACHUKWU ONYENAUCHEYA ALADE MUNIRAT BOLAJOKO AWODIMILA OLAOLUWA, PETER DABONOR HOPE OCHUKO ELACHI EDWARD IKWUOCHE ADELESI EMMANUEL OLUSOGA AGWU SAMUEL, ALADEGBAMI ADEMUWAGUN AWOFALA ADEDAYO GABRIEL DABUGAT TUKDAT, ELAYO MARTIN AGBO ONYATIKPO ADELEYE JIDE ADEOLA AGWUEDU EUGENE EMENIKE ALADEJEBI JANET OLUFUNMILOLA AWOFODU JULIUS, ABAYOMI DADA FAOSAT MOJIRAYO OREDOLA ELEGBUSI MARY ADAOBI ADEMAKINWA BABAFEMI AGWUH CELESTINE, CHUKWUJIEZE ALAKA ARAMIDE MODINAT AWOJOBI LATEEF, OLAWALE DADA GARBA MUSA ELEKWACHI MARTINS, MARTINS AGOHA ADEMOLA OYE (NIG) ENTERPRISES AHANMISI VINCENT ALAMU RAUF OLOYEDE AWONIYI JACOB ADELEKE DADA JOSHUA OLUMIDE ELEMARU IGNATUS CHIGOZIE ADEMUYIWA SALIU GIWA AHMED ADO .A ALAMUNA BASHIR, BALA AWOSANMI OYELOWO, RASHEED TEMITAYO DADA JOSHUA, TAIWO ELEMCHUKWU BENJAMIN, NNAMDI ADENAKAN NATHANIEL AHMED BABA YUSUF ALAO AYODELE, OLUFUNMILAYO AWOTUNDE DANIEL ABOLAJI DADA MICHAEL, OLAGUNJU ELESO ADEMOLA ADENIJI ADEPEJU LAMI AHMEED OMOLARA, SAIDAT ALAO PETER, OLUFUNSO ODUNAYO AWOTUNDUN JOSEPH OLATUNDE KAYODE DADA OLUKAYODE ADEBISI ELETE FLORA, ADENIJI J O C AHMMED ABUBARKAR GAREA ALAO RACHEL GBEMISOLA AWOWOLE OLUGBEMIGA AKINLOLU DADI HAPPY AGHOGHO ELIMAN ONEHIOBHEN INES ADENIRAN SUNDAY OLASUPO AHURA JOYCE MNGUNENGEN ALAO SAMUEL OLAPADE AYADI ALFRED OLALEYE DAGBENO JOSEPH, ELUWA AUGUSTINE, CHUKWUMA OBI ADENIRAN-OGUNSANYA ADEBIMPE AIGBOKHAN ONA ERNEST ALAO-PETERS DANIELA OFUFEKE AYANBADEJO OLUSOLAPE, OLATOKUNBO DAMINI MIUDUMANI ELUWA EMEKA KINGSLEY ADENIYI EMMANUEL OLARINRE AIICO INSURANCE PLC ALE ATINUKE, TAIWO AYANGBEMI OLUBUNMI ARIKE DANIEL KENNETH, ELZOGHONDI JEANCLAUDE, ADENIYI GBENGA, AIKHIONBARE OSARIEMEN, ALI MOHAMMED HAMDULLAHI AYENI JACOB OLA DANIEL KINGSLEY EMEM EMENONYE PETER MBAKWE ADENIYI REBECCA, AINA MICHAEL OLUSEGUN ALIGBE CHUKWUJINDU OSTER AYENI OLUFEMI daodu joseph EMEONYE JENNIFER ADENIYI TEMITAYO TESILIMI AIRENDE AUGUSTINE EGWAOJE ALIH NOAH AYEYAN PIUS, OWHURHOMUKPERI DARE FUNSO EMERGING CAPITAL LTD ADENIYI TIMOTHY, OLUWOLE AIRIOHUODION ESTEEM OSEODION ALIKOR EMMANUEL AMESI AYOADE ABIODUN OLABISI DARE SAMUEL, EMESSIRI HENRITTA ADENIYI TOKUNBO ADEMOLA AIYANDEM ETIM ISAIAH ALIMSON FAUSAT, ABIKEADE AYOADE BOLANLE OLUYEMI DASHAN JAMES PHILIP EMEZUE NDUBUISI ADENLE SAMSON ADEKUNLE AIYEDUN SUNDAY MARCUS ADETOLA ALIYU SULYMAN, JUMMAH AYOADE OLATUNJI, GABRIEL DAUDA BELLO AZO EMIKO ERORO ADENOLA DAMILARE, ADENIYI ALIYU ALOMA IDRIS MONDAY AYO-BAMISILE AYOMIDE, GIDEON DAUDA YOHANNA, MUGUNTA EMIKO JUSTINA
98 Ecobank Nigeria Annual Report 2010 EMLI IGNATIUS, ODEY FOLORUNSO JOSEPH, OLUKAYODE IMOUDU PETER BRIMAH LAWANI ABU NWOGU PERFECT OKEZIE OGBUNUJU FLORETTA EMMANUEL ABIOLA OLUSEYE FOLORUNSO OLATUNJI ADIGUN INNO CHUKWURE O. LAWHOUSE ASSOCIATES NWOKE NNENNA ANAGA OGBUZUO GODWIN OGUZIE EMMANUEL EVELYN, FORUN KUROEKIA INOKOTONG NSE C.J LEDIJU MARTHA OMONYE NWOKE NNOYE VICTORIA OGEDENGBE AUGUSTINE AKINTUNDE EMMANUEL IRENE OLUFUNKE FORUN OMOTESE RUKAYAT INOKOTONG ROSEMUND CLEMENT LEILEITUAGHA OKUBOEBI, NWOKO UZOCHUKWU, ANDREW OGEDENGBE KOLAWOLE EMMANUEL JUSTIN OLABODE FOWOSIRE LATEEF O INUWA DANIEL, DANIEL KURA LENOIR TELECOMS LIMITED NWOKOCHA BEN, JAMES OGHARA JEME JACKSON JEME-JACKSON EMMANUEL KOLA FOWOSIRE Y INYANG EFFIONG, AKPAN LOROMEKE FLORENCE LUCKY NWOKOLO GODWIN BENEDICT CHIEDU OGHARANDUKU HENRY, OGHENEOCHUKO EMMANUEL NWAOYE ANNYKLIN FRANCIS WISDOM, CHIGOZIRIM OGUIBE INYANG NSEOBONG JIMMY LUFADEJU FUNMILOLA, NWOKORO VALENTINE, CHUKWUDI OGHOLOH OSAGIE, AJIEGBELEN REX EMOKPAE GAIUS IDUSUYI FRANK IDARESIT, BASSEY IORLIAM PIUS, TYAVKASE LUMOR SAMSON, NEWLOVE KOLAWOLE NWOSU ARINZE HENRY OGIDI ENENI EMOKPAE PIUS, OSADOLOR FUJAH LIADI SANNI IPADEOLA TITILAYO M. PRESENTATIONS LIMITED NWOSU CHINYERE HYACINTH OGILO AKPOMEDAYE ISAAE EMORDI KINGSLEY, FUNMILAYO EMMANUEL, OLANIYI IPEAIYEDA ALABA OLADEJO MABADEJE FLORENCE ADEJOLA NWOSU FABIAN EMENIKE OGILO OLUWATOYIN OLAYINKA EMORDI SAMUEL NNACHUKWU O. FWANGKWAL LONGJI, PAUL IPOTOKRI GODWIN EGHWUBAHRE MADU EMMANUEL O. NZE NWOSU MARY-ANN NGOZI OGONA DANIEL EHIMARE EMUCHAY CHIKA ONYEGBAERE G.U.O CONSULT MANAGEMENT IRABOR KSM EMMANUEL, OMO MADUBUKO FELICIA OBIAGERI NWOSU NDUBUISI, PATRICK OGU CYRIACUS, ENANG ESEME ETIM CONSULTANTS IRABOR LUKE, PRINCE MADUEMEZIA OBIAGELI, FOLAKE NWOSU TOBY AHAIWE OGUANOBI GODWIN OGUANOBI ENEJE GEOFFREY, OBIORA GAGARIGA DIEPREYE IRENROA OLATUNDE MADUKA IFEANYI TONIA NWOTI JOSEPHINE-NKOLIKA OGUIBE PROMISE, NKWACHUKWU ENIOLAWUN OLALERE KEHINDE GAIYA BENSON DAWUDA IRIKANNU CHRISTIAN UZOAMAKA MADUKAEGO ANDREW, UCHECHUKWU NWULU-UKWUOMA CORDELIA OGUIKE LEONARD UZODINMA ENITILO ALEXANDER ABIODUN GAJI ADETOLA ADUNNI IRINYEMI STEPHEN, TAIWO MADUKWE NNABUKO SAMMY NWUNE THOMAS, CHIKE OGUMA JAMES OKPAKO ENIYE CLEMENT, GAJI HAMEED ADISA IRONDI MERCY G. MAGBAGBEOLA BOLAWALE ADEBOWALE NYAKO HALIMA OGUMA ROSEMARY, ENU OMOTEJOWHO ELIZABETH GAJI MUSLIU OLANREWAJU IRUMEKHAI ABUDU ABEL MAIRIGA BITRUS, NZEFILI KENNETH OGUN AFOLABI ADEKUNLE ENYIDIA CALISTUS C NNAA GAL CONCEPT LIMITED ISAAC TAMUNOTOM, MAJEKODUNMI BABAWANDE AYOOLUWA NZEGWU CHINEZE NGOZI OGUNBAIYEJE CHRISTIANA IDOWU ENYIDIA HYACINTH U NNAA GALADIMA HANNATU HAMMA GALADIMA ISAAC-HARRY, SOMIEARI, LAWRENCE MAJEKODUNMI MICHAEL OLUFEMI NZOMIWU EMEKA ALOYSIUS OGUNBANWO SAMSON ADEMOLA ENYULADU BITRUS, ALAKU GANA LAWAN ISAIAH CLEMENT OLUWATOYIN MAKAMA AL, BULUS OAKWOOD TRADING LIMITED OGUNBIYI ADEBOLA ERE- IMANANAGHA VIVIEN GANIYU OLABODE ISIAKA ISAIAH THANKGOD, EKELE MAKANJUOLA ROTIMI JULIUS OASIS INSURANCE COMPANY LTD OGUNBIYI IBIYINKA O, AND AYOMIKUN J EREGOBA CHARLES TEKE MICHAEL GARBA KABIR, UMAR ISANG EMEM PAUL MAMMAN-LAGOS AHMED OBADIKE GILBERT ODIKPO OGUNBONA BABAJIDE, ABAYOMI ERHIEVUYERE SUCCESS, OGHENE-TEGOR GARBA IBRAHIM GUSAU ISERE MATTHEW NOSA BERTRAM MAMUDU ABOSEDE OYINLOLA OBADINA HALEE OLADELE OGUNDANA SOLOMON OLALEYE ERIC JEMIJEREYE .E. GBAJUMO LATEEFAT BISOLA ISHIKE NATH UTU MAMUDU K. OSENI OBADJERE ESEROGHENE ERIC OGUNDARE TAIWO ERINJOGUNOLA BADRUDEEN BABATUNDE GBENRO ADIO ISHOLA OLUGBENG A, MANDUNG JAMES DALYOP OBAJI PATIENCE OGUNDE MORADEUN TAIWO ERITUOYO JACKSON GENNOS BITRUS, AGUSTINE ISICHELI NNAMDI SAMUEL CAPTAIN MANUA INGAWA HAVWA OBAKIN ABOSEDE F OGUNDIMU RISIKAT EROGBOGBO LUKMAN ISHOLA GEORGE ANTHONY ISINIKI OGBEMUDIA SUNDAY MATANMI OLAJIDE AWOLEYE OBAMORO BABATUNDE, OLAITAN OGUNDIPE FOLA ADEDIRAN EROKWU EDITH, NONEY GEORGE GODWIN SUNDAY ISMAIL UBALE, ALIYU MATTHEW ESSANG, OKON OBAMUYI DUROJAYE, OLUWAMBE OGUNDIPE GRACE FOLUKE ERUAGAN OTAROGHENE GEORGE KUMI, GEORGE ISUKU JOHN OHILEBO MBAMA EMEKA, VITALIS NDIDIAMAKA OBANURE VINCENT FUNSO OGUNDIPE KUBRAT, METALAYO ESENWAH PATRICK, IKECHUKWU GEORGE OLANREWAJU, ROTIMI I. ITA EYO ESIEN MBANEFO CHINELO VIVIAN OBANYEDO OGHENEOVO, ANTHONY OGUNDIPE TAIWO OLUFUNKE ESEWATA TONY OSHOFASA GEORGE OLUWOLE OLUSOLA ITABOR MARTIN SUNDAY MBATI VICTOR UCHENNA OBASI CLARA, A OGUNDIRAN BOLANLE, TOLANI ESEZOBOR ELIZABETH OIDEH ALABA GEORGE-CHUKWUEMEKA ANIC, EYITEMI ITODO CHRISTIAN ATHANASIUS MBEREDE STANLEY, CHIDIEBERE OBATA JONATHAN, OGUNDIRAN BOYE SAFIU ESIEGBE OTOBO JOHNSON GERMAN PAUL INIBUBOUGHA IWE EMENIKE, CHUKWUNENYE MBIBI AKOBUNDU O. BENSON OBAYE MATTEW ONYE OGUNGBEMI MICHAEL OLUGBENGA ESIMAI MONYELU SAMUEL GOLD OBIEFUNA JOHN, SMITH IWERIEBOR FLORENCE ADI MBOHO IDOTENYIN UDOFIA OBAYUWANA ALBERT OGUNJANA BOLAJI OLAJUMOKE ESIN JOAN AFFIONG GOPEP MANJI GOTOM IWERIEBOR NDUKA.I IGBENIJE MBONU NGOZI ELIZABETH-ANNE OBE AFUSATU, YAYA OGUNJIMI BASIRAT ABIOLA, NEE GAJI ESSIEN FELIX, OFFONG GORA HARUNA MAMMAN IWERIEBOR.E EHIEDU E.G MELUDU NKIRU THERESA OBEDIKU AUGUSTINE OYOVOTU OGUNJIMI BASIRAT ABIOLA, NEE GAJI ESSIEN IMELDA MMAYEN GOSORD SECURITIES LIMITED-DEPOSIT A/C IWUANYANWU EUCARIA, ONYEMAECHI MENTIE PATRICK GAGA OBI ANGELA E. OGUNJIMI MICHAEL OLUSEGUN ESSIEN MARTIN M. GRAHAM-DOUGLAS IBIENE, BOMA IWUJI GODFREY MERIFE IBEABUCHI UKEJE OBI GODWIN C. OGUNJIMI OLUWAYEMISI AGNES ESSIEN RITA, UDIA GRAND UNION LIMITED IWUOHA ALEXANDER, IHEANYI MESHACK SAMSON TAIWO OBI JANE EZE OGUNJUMO EMMANUEL GBILE ESSIEN SYLVAR GRANVILLE OKORIM, IWUOHA DEBORAH(JNR) MIBENE STEPHANIE, OBI SYLVIA KANEBI OGUNKOYA OLUYOMI TEMITAYO ESTATE OF J.S.K MACGREGOR GREGORIO INVESTMENT/PROPERTY IYAJI AUDU, MONDAY MIYENBIRA WILLIAM TOM OBIAKOR CHIKADIBIA ISAAC OGUNLABI JOSEPH TEJUMOLA ESTATE OF LATE ORAMAH, TITUS CHIKE GWADABE TAJUDDEEN, IYAMU JOHN, OSAGIE MMEZI OGECHI, IMELDA OBIALOM CHIDI, SYLVESTER OGUNLANA BOSE OJUOLAPE ESUBIYI AKINPELU, OLA HABEEB YAQEEN, ABDULLAH IYANDA ADEYINKA, AMAEDI MOHAMMED ALIYU, ZURMI JAMILAH OBIASOGU OGUNLANA OPEYEMI, AFOLAKE ESUOGU SUNDAY CHRIS HAMIS ADAMA BAMAYI IYANDA ALADE RAFIU MOHAMMED BELLO HANWA OBIDIKE CHRIS EKWUNE OGUNLEYE ADEBOLA ETALUME EMMANUEL O HAMZA AMINU, IYEKE WILFRED OGHENOVO MOHAMMED KHADIJAT KUBURA OBIECHINA AYEBABEBARA OGUNLEYE OLUWATOBI ETIM COMFORT, HARINPE INVESTMENT &, PROPERTIES IYELA BUNMI JUDITH MOHAMMED NAFISAT OBIGHEBELU CHRISTOPHER UMEANAEFUNA OGUNMAKIN VICTOR ETOKAKPAN FRIDAY SAMUEL LIMITED IYEYE AMBROSE, ANDY MOHAMMED OLATUNJI, WAHAB OBIHAI CHRIS, N OGUNMILADE OLUMUYIWA, ELEAZAR ETONG DENNIS AFAHA HART BOMA EDWARD, EZEKIEL IYOBHEBHE CYRIL, ODION MOHAMMED OLUWADAMILOLA ABIOLA OBIJIAKU MADU, RALPH OGUNMILORO AYODELE JULIUS ETUH THOMAS HARUNA MAHMUD, IZE AMUNEGA, OLUFUNMILAYO ZULIAT OBINWA CATHERINE, NKADI OGUNMOKUN SABINAH TITILOLA ETUKEMKA CHIBUIKEM DANIEL HASSAN GHALI, HASSAN IZEDOME SUNNY, JOHNSON MOHAMMED SHEHU, OBIOMA BENNETT KANECHUKWU OGUNMOLA MUDASIRU ALABI ETUOKWU VINCENT, NWAJEI HASSAN YEKINNI OLATUNJI IZUAGIE RUTH ATINUKE MOHAMMED-MIJINYAWA BALA OBIOMA DONALD, MADU OGUNMOYELA ELIZABETH TITILAYO EVRU OREZINENA RITA HASSAN TAWAKALT IZUKANNE OGOCHUKWU JOSEPHINE MOMODU LAWAL, DIRISU OBIORA CHINWENDU, CLEMENT OGUNODE ELIZABETH TAIYELOLU EWAH OSEMENLU CHUKWUKA HENRY VICTOR MONDAY IZUZU CHILEE, MOMOH IDOWU ESTHER OBITOR MAGDALENE OGUNRINADE ADELANI EWOYEMI OLUBIYI HERITAGE STEEL CO LTD JACK MILLICENT TAMUNOKURO MOMOH JOHN, A. (DR) OBIUKWU SHARON CHIZARAM OGUNRINDE OLUBUNMI ADIO EWULE BRIDGET WALERUCHI HODEFE PAULINUSE, OLUFEMI JACOB SUNDAY MOMOH JOSEPH EDOMHOGU OBODO OVUAKPORATE- BENSON OGUNSEMI OLUKAYODE BABATUNDE EYIOLAWI STEPHEN, ADEBOWALE HOLLOWAY ABIMBOLA ABIODUN JAGABA DINATU MONYEI PETER, IGWEDINMA D. OBODOEZE DAVID, ONUORAH OGUNSEMI YEWANDE OLUKEMI EYO MICHAEL ETIM IBANGA ESSIET IBANGA JAIYEOLA MUSEDEEN, AJIBOYE MOORE EDWARD N F OBOLI SAMPSON MADUEGBUNA OGUNSESAN ADEKUNLE ABDULRAHMAN EYORO ABO IBANGA MARTHA, KALU JAMIL MOHAMMED MORAH BENEDICT EJIOFOR OBORO ANDREW OGUNSHOLA KOFOWOROLA ABIOLA EZAKA DONATUS, IBE BENNETT IKWUNEME JAY KONSTRUCT NIG MORKA CHARLES, OBOT EDEM ETIM OGUNSULIRE MOJISOLA, EZE AMBASSADOR, JUSTINA IBE BLESSING CHINWE JIDEOFOR THERESA, EGO MOSES NENGI, FAITHFUL OBUMSELU EMMANUEL., CHUKWUMA OGUNTADE FOLASADE, OMOYEMI EZE CYNTHIA OBIAMAKA, NEE MENSAH IBE GABRIEL JIMOH ABDUL-KADRI KOLAWOLE MUOMAH FRANKLIN CHUKWUEMEKA OBUNIKE JUDE NNAMDI OGUNTADE KAYODE AKINDELE EZE ELIZABETH ADAMA IBE NKECHI, VIOLA JIMOH DAVID, ABIODUN MUONEKE ROSEANN NGOZIKA OBUTE JOSEPH, AMEH OGUNTADE TUNDE OLUWOLE EZE NNENA, LAURA IBEABUCHI CHIDOZIE ENRST JIMOH KAMOLI ONAOLAPO MURRAY-BRUCE FRANCIS BRENDAM OCHEJE GABRIEL YAKUBU OGUNTOBA BOLA EZE OKECHUKWU, CHRIS IBEAWUCHI WILLIAM OBIDINMA JIMOH SHEHU AHMED MUSA IBRAHIM, AMEENA OCHEJE VICTOR, OGUNTOMINIYI OLUWOLE OLUBOWALE EZE PETER, IBEGBU NDUBUISI JINADU GBOLAHAN AJAGBE MUSA JOHNMARK, ENEOJO ODARO-OSAZUWA EFE ANTHONY OGUNTONADE ABOSEDE ABIMBOLA IDOWU EZEBO LAZARUS, IBEME FIDELIS CHUKWUMA JINADU IBRAHIM GBADEYAN OLATOYE MUSA MAIKASUWA, ODEBIYI AKANBI ISIAKA OGUNWO OLUGBENGA AYODELE EZECHIEDO GERALD OKECHUKWU IBHADE CHRISTOPHER, IGBORIA JODA OLAYINKA MUSA OBANERO, MALIK ODEBOLA EPHRAIM AYINLA OGUNWOLU OLAYIWOLA WABI EZECHIEDO MARTIN CHUKWUEMEKA IBIA DEBORAH OJOYEMI JOHN ANGELA, OLUWATOYIN MUSA OLORUNFEMI MOHAMMED ODEBUNMI ISAAC ADE OGUNYEBI JAMES EZECHUKWU JAMES ALAIDUM IBIDAPO HENRY BABATUNDE JOHN ENERUWU, ISHMAEL MUSTAFA ADEDOYIN, ADEYINKA ODEBUNMI OLADEJO JOSEPH OGUNYOLU ALBERT ALABI T. 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TSEAYO JOHN AONDOHEMBA ZIDAH ELIZABETH, AMA ADEKOLA MOTUNRAYO, OLUYOMI OLADELE OLUGBENGA, ANTHONY ONUEGBU UNIQUE CHIAMAKA PAUL CLARISSE, UPANKEN TSEJA TALATU VERONICA ZIKHASMAH TRADING COY ADEKOYA ABOLAJI OLADIMEJI OLATUNJI TAJUDEEN ONUMARA ATO LAW PEPPLE CHRISTOPHER, IWO TUMBA MILLICENT, OMOKHAFE ZOSSOUNGBO JACOB, ADEKOYA ADEYINKA ABISOYE OLADINNI ABAYOMI ONUMBA ROSEMARY PEPPLE KENNETH TUNDE-OSHUNRINDE OLUBUKUNOLA MARCELINA ADEKOYA ADIO, ADELEKE OLADIPO OYEDELE, JAMES ONUOHA IKWECHEGH OKEBE PEPPLE RICHARD, IYOWU UBA EZENWA CHETANWA ADEKOYA DAVID GBEKEL OLUWA OLADIPO TEMILOLA, TOYIN ONUOHA UBANI FEDELIS PETER IBRAHIM UBAJAKA CHRISTIAN CHINEDU Payment 15 ADEKU RASAKI, OLABANJI OLADIPUPO OLUWAFUNMILAYO O. 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SHOPEJU CAROLINE MORENIKE UMEH MIRACLE CHINAZA ADE ZAC ADEOLA OMOTAYO, OLAWUMI MARY OLUOKUN AKANBI OMOTOSHO OSIGWE ANTHONY, SHOYELE JULIUS OPAFEMI UMEH VINCENT OKEKE ADEBAJO ADETOKUNBOH ADEONIPEKUN ADESANYA EMMANUEL OLUREBI KASIMAWO EMMANUEL OSIGWE ROSELINE ADA SIAKA A, ALFA UMELOH EDWIN, IWU UMELOH ADEBANJI BOLATITO, ANGELINA ADEOSUN OLAWALE, EZEKIEL OLUSANYA ADEBISI IYABO OSINOWO ADURAGBEMI A. OSINOWO SIWOKU AYODEJI, DAMILARE UMEMNEKU SIMEON IFEANYCHUKWU ADEBAYO ABOSEDE ABIODUN ADEOYE ADEBAYO, ADEBGOYEGA OLUSOJI ADENIYI OSINOWO MARK ADETAYO SIYANBOLA AKINTAYO UMEOBI EKOBA AMAKA .H. ADEBAYO ADEWOLE, EBENEZER ADEOYE BASHIRU ABIODUN OLUTAYO TEMILOLA, ANIKE OSINUBI ADEWALE, AMOS SMITH EMMANUEL, ADEMOLA UMMAI BELLO UMAR ADEBAYO FALILAT YETUNDE ADEOYE MATTHEW, OKUNLOLA OLUWA SULAIMAN BABATUNDE OSITA-OGBONNAYA CHIDINMA JUDITH SMITH LORETTA UMOENANG AKPAN AKPAN ADEBAYO FESTUS FOLARIN ADEOYE OLUWAFEMI, FOLASHADE OLUWADIPE SAMUEL, AYODELE O. OSOBA PERE, SOBAMIWA OLADUNNI RONKE UMOGBAI OZEMEDE, STEPHEN ADEBAYO LYDIA ADENIKE ADEPEGBA FELIX, ADEDAPO OLUWAJUNSE GABRIEL TAIWO OSOPALE BABATUNDE ADEWUNMI SOBAMIWA OLUFEMI 'DIPO UMOH ISAAC, JACOB ADEBAYO OLANIKE ADEPEJU ADEPOJU ABAYOMI BABATUNDE OLUWASESI JOSEPH AKOREDE OSOSANYA ADETUTU OLUREMILEKUN SODERU FELIX, UMOH JONES JIMMY ADEBAYO OLUYINKA, OYEWALE ADEPOJU ADETUNJI, MULIKU OLUWOLE ADENIYI, OLADELE OSSAI OSHIMILI SODIPO CHRISTIANA OLATOKUNBO UMORU YAKUBU AGBOMEKHEN ADEBISI OLATUNDE, THOMAS ADEPOJU OLUWATOSIN EUNICE OLUWOLE SUNDAY AKINLOLU ADEGBOLA OSUGBA MARY IFEYINWA SOFOLUKE OLADAPO S UMUYAH FELIX, UMUYAH ADEBIYI ADEMOLA, ADEPOJU SAMUEL ANWO OLUWOLE-BANJO KOLAWOLE OSUJI CHIBUZOR, BENARD SOILE ELIZABETH IYABODE UNIMI JONATHAN ENEMAKWU ADEBIYI CLEMENT OLUSEGUN ADEPOJU ADEDAYO MOSES OLUYADI ADEOLA FOLAWIWO OSULA UFUOMA SOLAFAK URHOBO EVELYN OMAWUMI ADEBIYI FOLASHADE ADEDAYO ADERELE ADEDAYO OLUYADI RASAQ AYODEJI OSUME RICHARD, SOLAJA HARRISON, OLUWATOYIN URUA INI, JOHNSON ADEBIYI OLUSEFUNMI ABEGBE ADERIBIGBE SAMUEL OLUWAFEMI OLUYEDE SAMUEL, AKINTUNDE OSUNKOYA ELIZABETH FUNMILOLA SOLANA OLUSAYA A. USMAN TAHIRU ADEBIYI OLUWAKEMI, ADEDAYO ADERINKO ELIZABETH, OLUKEMI OMADIBI SAMUEL SUMAILA OSUNLAJA ESTHER ATINUKE SOLARIN ELIZABETH ABOLANLE USORO ENNETUK EFFIONG ADEBO THADDEUS, ADEWALE ADERINTO TAJUDEEN, OLALEKAN ALABI OMARE-DJUWOVWE ERERTEVWE, HENRY OSUNLAJA OLUWATOSIN OLUWATOBILOBA SOLOMON-OTINWA KOLAWOLE ADEBISI USORO OKON, ASUQUO ADEBOLA ABOSEDE VICTORIA ADERONPE WILLIAMS OMAVOVWE AUGUSTINE AUGUSTINE OSUNSANYA AGNES OLUFUNKE SONIBARE WAHEED AKANNI USORO PATRICK JOSEPH ADEBOWALE BAYO, ADESANYA STEPHEN, ADEDOTUN
100 Ecobank Nigeria Annual Report 2010 ADESANYA ZAINAB SHANUOLA AGU LIVINUS, AKINLEMIBOLA OLUYEMISI, OLUBUKOLA ALONGE FEMI, DICKSON ASIEGBU CHIDIEBERE, IHEKWOABA BAPPAH SALIHU, ABUBAKAR ADESEGHA HENRY, OLABODE AGU OKECHUKWU G. AKINLEYE WASIU, OLALERE ALONGE OSBELT, OSAMWONYI ASIEMOR OGHENEVO JOHNSON BARAHART MACDONALD ILA ADESEGHA MOJISOLA, AGUBE IMMACULETA, IJEOMA AKINLOTAN EMMAN AKINOLU ALONGE SUNDAY OJO ASIKAGBON IMAFIDON, BAREYEI WILLIAM, TAKUYE ADESETAN OKEKUNLE, ADEROJU AGUMAGU RUTH WORI AKINLOYE OLUWAPONMILE, ALONGE VICTOR ADEKUNLE ASIYI OKECHUKWU, CHRISTIAN BARRAH VINCENT ADESHINA SULAIMAN, AGUMBIADE SOLOMON OREOLU AKINMUYISITAN MOSES AKINSOYIN ALPHA BENEFITS ENTERPRISE ASOMUGHA UWEMEDIMO EDET BASSEY BLESSING, ADESIDA YEMISI, MARY AGUNBIADE BISI ADEOLA AKINOLA BAMIDELE, ALTRADE SECURITIES LIMITED ASONYE ANTHONY BASSEY MOSES UDO ADESINA ADEBUSOLA ADEOLA AGUNBIADE JOSEPH AKINOLA AKINOLA EBENEZER, TEMITOPE ALUBANKUDI IDRIS ASOR ADAGA WILFRED BASSEY PIUS M ADESINA AYOTUNDE, ADESINA AGUNBIADE SAMUEL, AKINOLA ELIZABETH OLANREWAJU ALUEDE MONDAY IGBERASE ASU JANET BESSONG BASSEY UMOH ZINAH ADESINA LATEEF, ALABA AGUNDU REUBEN, OKECHUKWU AKINOLA FOLASHADE, N ALUKO OLABISI, AMOKE ASU PETER, KEHINDE BASSEY OFONME EMMANUEL ADESOLA FLORENCE, FOLAKE AGUOCHA NKWACHUKWU ONYENAUCHEYA AKINOLA KAYODE GABRIEL ALUKO OLATUNDE, ISHOLA ASUOHA CYPRAIN CHUKWUEMEKA BAVOSHIA ZAMANI, ADESOMI KAZEEM, AGWASIM NKEM, AKINOLA OLUMUYIWA, ALUO CHUKWUDI, SATURDAY ASUQUO EFFIOM, BAYKEM CONSULTINGS ADESOYE LATEEF, ALADE AGWAZIM CHUKWUEMEKA JUDE AKINOLA OLUMUYIWA, ADEDAYO AMADI CATHERINE ASUQUO VERONICA EDET BECKLEY JOHN ADEREMI ADESUNLOYE CATHRINE TOLUWALOTU AGWUH CELESTINE, CHUKWUJIEZE AKINOLA OLUWAROTIMI, IRETI AMADI INNOCENTIAN CHINYERE ASUZUO MODESTUS CHINEDU BELLO ABASS, MOFOMOSARA KOLAWOLE ADESUWA NOSA-OGIE, AGWUOCHA JULIET, ADAKU AKINOLA OMOTAYO, AMADI KINGSLEY OBOCHIOMA ATANGUMAH MARGARET KINGSLEY BELLO ADERONKE KUDIRAT ADETAYO OLUFUNKE, ADEAYO AHAIWE UCHEMADU, SAMUEL AKINOLA R, .KEJI AMADI MAXWELL TASIE ATEGU JANET, IYO BELLO AHMED RUSA ADETIFA OLANIYI, OLADIPUPO AHAMBA EMMANUEL, NKEIRUKA AKINOSHO EMMANUEL OLUWALERE AMAECHI VICTORIA OKWUBARA ATEWOLOGUN OLADELE KAYODE BELLO FOLAKE, ADETIFA OLUBUSOLA AMANDA AHAOTU CHIDIEBERE, JAMES PHILIP AKINOSHO TAIWO, EUGENE AMAEFULE FABIAN CHINYERE ATIKU MUTIU, ADEBAYO BELLO HABIBA OMOWUMI ADETIMEHIN OLUGBENGA ADETAYO AHIE THOMAS, EFE AKINOWA OLUFUNMILAYO OLUREMI AMAEFULE MARTINS, K. ATOLAGBE FOLAGBOYE, PATRICK BELLO MORUF, OLAITAN ADETOBA ADEDUNNI YEMISI AHIMIE OHIWERE, P.EST. OF/ DIAMOND SEC AKINPELU FOLASHADE ADERONKE AMAH OCHUKO, ATOMBA THOMPSON, UCHENNA BELLO OLAWALE, IBRAHIM ADETOLA ABIMBOLA, O. AHMAD RUFAI BASHIR AKINPELU RAMON OLADOSU AMAH OGOCHUKWU, MARIA ATOYEBI AYODELE, OLUSEGUN BELLO OLUDARE ADETOLA BOLAJI, AHMED AYOADE ALANI AKINRIMISI MOBOLAJI, EVELYN AMAIHE IKENNA, PAUL ATTA DAUDA, IBRAHIM BELLO OMOLOLA, SILIFAT ADETONA EMILY, BOSEDE AHMED BABA YUSUF AKINSANYA CATHERINE OMOREMI AMAJUOYI BLAISE OKWUDILI ATUBOYEDIA-OBIANIME ESTHER TAMUNOSIPIRIBI BELLO SHAMSIDEEN, ADETOLA ADETONA OMOLOLA ADENIKE AHMED EDWIN OKOJOKWU AKINSANYA HAKEEM, OLUGBENGA AMALU LONGINUS, AMAECHI ATULEGWU BENEDICT, BELLO UMAR, FARUK ADETULA STEPHEN, ADELEKE AHMED OLUWATOSIN RIHANAT AKINSANYA JOSHUA, OLU AMANA EDET, JAMES (DR) ATUNRASE SILIFAT, ADEBUKONLA BELLO-OWOLABI ABDUFATAI, ADETUNBI ADEMOLA, YAKUB AHMEED OMOLARA, SAIDAT AKINSANYA KEHINDE, ADETOLA AMANCHUKWU VICTORIA OZIOMA ATUWAOGU CHRISTOPHER N. BENJAMIN COMFORT I. ADETUNJI FELICIA, MOTUNRAYO AHONSI DENNIS IKHAZUANGBE AKINSANYA KOFOWOROLA, FELICIA AMAO JACOB OLADELE AUDU KAYODE, MOHAMMED BENJAMIN SIYEOFORI DIANNE EREFAKA ADETUNJI KENNY, AHURA JOYCE MNGUNENGEN AKINSANYA MARTIN, & CHARIS (MR & MRS) AMARACHI PASCHAL, CHIJIOKE AUDU SHEHU, AHMED TIJARN BENSON GOODLUCK, TAMUNOIDIKIBIOBU ADEUSI FOLASHADE, ABIMBOLA AIBOR JEFFREY, OYAKHIRE AKINSOLA LOLA, FAUSAT AMASI OKON, AUDU UZOBEOYA, MABEL BENSON-OGUNSIPE ADERONKE, ADEBISI ADEUSI GBENGA, AMOS AIGBUZA HENRY, INEGBENOSE AKINSUYI JULIE, EBUN AMEDU HENRY AVOSEH OPEYEMI, SAMUEL BEPO SAMUEL, ADELEKE ADEWARA ADEBAYO, DANIEL AIKORIOGIE PATRICK, AKINSUYI OLASUMBO, IBITOLA AMEH BENARD, AWA WALTER OKORO BESTLINK VENTURES LIMITED ADEWEKUN MARGARET, FOLA AIL SECURITIES LTD-DEPOSIT A/C AKINTAYO FUNKEYI AMHENRIO JOHNSON AWE DAVID, OLATUNDE BESTMAN KRAKRAFAA ADEWOLE SUNDAY AILERU BASHIRU OLATUNDE AKINTILO IDRIS ADELEKE AMI INVESTMENT LIMITED AWE TEMITOPE, BHADMUS LANRE, ADEWUMI OLUFEMI, AIMUAHONSA FELIX, AKINTIMEHIN FRANCIS OLAMIDE AMIN LIMAN, DANJUMA AWEH SHEDRACK CHUKWUDI BICARC INTERNATIONAL LTD ADEWUNMI I.A., AINA KOLAWOLE, OLUWAGBEMIGA AKINTOKUN AMOS BAMIDELE AMOBI MORRIS NNE AWHUA RESOURCES LIMITED, BIO CHEMICAL DERIVATIVES LTD ADEWUNMI OLADUNNI, MUJIRAT AINA MICHAEL OLUSEGUN AKINTOLA AMOS OWOLABI AMODU ANTHONY AYODELE AWHUA RESOURCES LIMITED BOATENG OSAFO, BISMARK ADEWUSI KOLAWOLE AINA MICHAEL, OLASUNKANMI AKINTONA AKINTOKUNBO, ISAIAH AMODU ISIAKA OJUBANIRE AWODEIN NDIDIAMAKA CHRISTINA BOBOKHAI CAJETAN, ADEWUSI YETUNDE, AINA SOLOMON OLUMUYIWA AKINTOYE ADEMUYIWA, OLUSEYI AMODU SILIFATU AMOKE AWOEESO ABIODUN BOCO JANE OKECHUKWU ADEYANJU BODUNDE AIRIOHUODION ESTEEM OSEODION AKINTOYE RUFUS AJIBOLA AMOJI EMOLE IREKE AWORAWO MARIA, AGI BOLA ANTHONIA, TITILAYO ADEYANJU VICTOR OLUSEGUN AIROYA RUFUS, ONIME AKINTUNDE AKANBI ADESANYA AMONE NATHANIEL AWOSANMI OYELOWO, RASHEED TEMITAYO BOLAJI OLUSEGUN, OLAFIMIHAN ADEYELURE FREDRICK, IDOWU AISUEBEOGUN ERNEST A. AKINTUNDE FESTUS, ADEKUNLE AMOO FATAI FOLORUNSO AWOSANYA ABIODUN, SEFIU BOLAJI RAYMOND OKUNLOLA ADEYEMI ADELEKE, AIYANDEM ETIM ISAIAH AKINTUNDE HANNAH, ABIODUN AMOS STANLEY AWOSEMUSI BAYO MICHAEL BOLAJOKO JIMOH OLADELE ADEYEMI BEATRICE, EBUN AIYANKHEBOR GODWIN-OGBEIDE, AKINTUNDE OLUBISI, AMOSUN COMFORT OLUFUNSHO AWOTONA TALABI OLUWATIMILEHIN BOLA-KUKU OLUWASOLA ADEYEMI MAYOWA, AIYENUYO OLUSHOLA, OYEWOLE AKINTUNDE SEUN, AMOSUN IBIKUNLE AWOTUNDUN JOSEPH OLATUNDE KAYODE BOLARINWA IYABODE, OMOWUNMI ADEYEMI OLUBUNMI OLUMIDE AIYEPOLA MURISELINA ALABI AKINWALE ABAYOMI, AKINLOLU AMUBE JONATHAN, AWOUDOR KOSSI APETI BOLAU DANIEL, DICKSON ADEYEMI OLUTOSIN, JOSEPH AJADO OLADIMEJI AYINLA M. AKINWALE AKEEM, AYOFE AMUDA KAZEEM, YUSUFF AWOWOLE OLUGBEMIGA AKINLOLU BOT DA, DUNG ADEYEMI OLUWAFUNKE, OMOLOLA AJAKAIYE DANIEL ADEWOLE AKINWALE KAMORU, ADISA AMUNEH JOSEPH SHAKEDE AXHOLME NOMINEES LIMITED 'GV' ACCOUNT BOT DUNG ADEYEMI OLUWASEGUN, AJAKAIYE MICHAEL ADEBIYI AKINWALE OLAJIDE, AKINOLA AMUTA EMEKA IHEANYI AXHOLME NOMINEES LTD 'HD' ACCOUNT BOTT ELIZABETH, EBERE ADEYEMI OMOPEJU, SUMURAT AJALA ABDUL RAHMON AKINWANDE MUSA AMUWHA EDWARD OGHOGHOREVA AYANBISI BILQEES, OLUBUNMI BOUFINI THEOPHILUS ADEYEMI OWOLABI, AJALA AKINDEJI, AYOKUNNU AKINYANJU ADEBISI, ABIODUN & ROTIMI A. ANACHEBE MARTINS ORANYELU AYANDA BENJAMIN, FEMI BOURDILLON ABIEYUWA UYI ADEYEMI SAMUEL OLUFEMI AJALA JOSEPH OLAYINKA AKINYANJU MILDRED FOLASADE ANAGUMBA CHIBUZO, JUSTINA AYANG SONNI BRAIMOH LUCKY, ANDERSON ADEYEMI TIMOTHY BAMIDELE AJALA MICHEAL OLAWALE AKINYEMI ADETIBA, EMMANUEL ANAKUDO IGNATIUS, EKWUNIFE AYANGBEMI OLUBUNMI ARIKE BRINGFORTH INVESTMENTS LIMITED ADEYEMO RUFUS ABIDEMI AJANAKU ADEDEJI OLUFEMI AKINYEMI BABABUNMI, ADESINA ANALO CHRISTOPHER AYANGBOLA BIMPE, ABIODUN BUSARI KAMORU, OLADIMEJI IYANDA ADEYEMO SAMUEL OLUSOLA AJANAKU OLUKUNLE AKINYEMI CAROLINE, FUNMILAYO ANANA ENOBONG JAMES AYARA OLUWAFEMI, O. BUSOERI MURITALA, ADEYERI ADESOJI, ABRAHAM AJANI MICHAEL, CHIMEZIE OLUWATIMILEHIN AKINYEMI DAVID OLUDAYO ANANGA ANIEKAN, JOE AYEMOBA PAUL, OMOH C.E. LEO & CO LTD ADEYEYE ENIOLA, OLUWATOYIN AJANI OLUWAJOMILOJU TESLIM AKINYEMI ELIZABETH O ANEKE IKECHUKWU, AYENI AKINWANDE OLUSEGUN CARPE CLEMENT, ADEYEYE OLUROTIMI ADEYEMI AJAO MUDASHIR, AKINYEMI MARTINS, OLUBUKOLA ANEKE EBONY EMMANUEL AYENI JACOB OLA CAYNES AND BAYLES LTD ADEYOOLA ANTHONY IBIOTAN AJAO OLUWATOYIN, RAHEEM AKINYOYENU FOLASHADE, IRETIOLUWA ANENE MICHAEL CHUKWUJEKWU AYENI KIKELOMO CHAPEL HILL INVESTMENT MANAGEMENT ADIABUA LAWRENCE AJAYI ABIOLA MARY AKIODE FUNMILATO, DEBRA ANENE REGINA ANENE AYEWOH CARLA, CHARLES PROPERTY NIGERIA LIMITED, ADIGUN ADETUMININU, ADETOKUNBO AJAYI AMOS KOLAWOLE DOLAPO AKIODE ISMAILA, ANENU ALBERT OBERA AYIDE CHRISTIANA, IGUOMA MRS CHARLES-GRANVILLE BOMA, ADIGUN GBADEBO, & SENA AJAYI BOLA, DOLAPO AKIODE OLORUNFEMI, MARTHA OPEYEMI ANENU ANGEL OARE AYILARA ADEDAMOLA WAHEED CHIACHI JUDE, OBUMNEME ADIGUN OLADIMEJI, AJAYI BRIDGET O A AKIVIE OVAYERO, PARADISE ANENU BENJAMIN AYINDE BAKARE, KAREEM CHIAKOR ALFRED ORKUMA ADIGUN RASHEED, AJAYI DAVID AKOBUEZE UDOCHUKWU, ANENU PATRICK EDETAEN AYINDE RUFUS AYINDE CHIANAKWALAM EZENWA NDUDIM ADIGUN TAIWO, ALEXANDER AJAYI EMILOLA, TRAN-OLA AKOH ANDREW, AKEBE ATTAH ANENU SALLY AYOADE HAMMED CHIBUEZE CHRISTOPHER IKECHUKWU ADIGWE M C AJAYI ENIOLUWAFE, OLUSHOLA AKO-JOHNSON SUNDAY, ANI DANIEL OZOEMENAM ANI AYOADE OLATUNJI, GABRIEL CHIDI ARC FRANK OKOBI ADIGWE MARTINS, AJAYI EUNICE ABIOLA AKOKI JOSEPH, OLORUNLEKE ANI JOHN KABONYE AYOADE OLUSOLA, BAMIDELE CHIKAOKAFOR PRINCESS EZINNE, NKEM ADIGWE WILLIAMS, BISHOP AJAYI FOLA, DEBORAH AKOKO IMBE, MILLER ANIE EMEKE MARSHAL AYO-BAMISILE AYOMIDE, GIDEON CHIKEZIE NELLY, N. ADIKHAI JONATHAN INOFE AJAYI FOLUSO ADEBAYO AKOMOLAFE ELIZABETH, SAMOLA ANIELO VALENTINE NDUBUISI AYODELE ADEDAPO NELSON CHILAKA CHUKWUEMEKA ANTHONY ADILI CHRISTOPHER, UCHE AJAYI MOSUNMOLA, RACHAEL AKOMOLAFE ROTIMI PHILLIP ANIEMEKA GLORIA, MMERICHUKWU AYODELE OLUMIDE, SEGUN CHIMELA AKOMA, ADIONE JULIET OLUCHI AJAYI OLUSEGUN JEPHIAN AKOR CONSTANCE, ONOSHOLEMA ANIEZE-CORONA IFEOMA AYODELE OLUWOLE OLUMUYIWA CHIMENTA PATRICK NNABUIKE ADOKI KALAMBA, AUGUSTA OMATIE AJAYI OMOBOLANLE, OLUWAFUNBI AKPA FAVOUR, ABIODUN OMOLADE ANIFOWOSHE RILWAN AFOLABI AYONOADU WILLY ESAU CHIMEZIE OBINNA ADOLOR STELLA AJAYI SEFIYA TITI AKPAKA KALU, OKENWA ANIGBO AUGUSTINE, AYOOLA AYOBANJI OLUROTIMI CHINAKA NWEKE, OGONNAYA ADU OLU, PETER AJAYI SIMEON KEHINDE AKPAN ANIEDI, EFFIONG ANIGBOGU MAUREEN, ENUMA AYOOLA OLUFUNMILAYO MARY CHINDA ANGELA, CHISAH ADU VICTOR, AYODELE AJAYI SUNDAY, OLALEKAN AKPAN ENOH, EKONG ANIGBOGU OKWUCHUKWU NICODEMUS AYO-VAUGHAN MUYIWA CHINDO WILLIAM, ADUDU CHUKWUDI, STEPHEN AJAYI TAIWO HASSAN AKPAN IMOWO, CELESTINE ANKA MAMMAN AYOZIE CLIFF, ONYEKACHI CHINYAM ALPHONSUS ABAZAR ADUKU EGENE, EZEKIEL AJAYI WASIU, AJIBOLA AKPAN MFON OKON ANNAN TITILOLA, AYUK RABBONI, OJONG CHIOLOJI VIVIENNE CHINYERE ADUMADEYIN KAYODE, AJEKIGBE BABALOLA, AKPAN MIKE UDOH ANNANCY WILLIAMS, KWASI JEKYLL AYUKU SETH, EMMANUEL CHIONUMA OLORUN KEMI ADUNBI FEYISETAN OLUBUNMI AJEPE ABIOLA OLUDOLAPO AKPAN OKON, UDO ANNIE SUNDAY, ENEMUWE AYUWA NICHOLAS CHIONYE PROGRESS ADUNBI OMOLADE ADETOMIWA AJEYI OMADACHI INNOCENT AKPAN PAUL HORGAN ANOCHIE CHIDOZIE C CHIDOZIE AZEEZ ABDULAKEEM, ISOLA CHIORI IJEOMA, CHINYERE ADUNI OMOLADE, AJIBADE BENJAMIN AKPAN UBONG, KINGSLEY ANOMIE EMMANUEL, CHUKWUEMEKA AZEEZ ABIODUN JIMOH CHIORI J, .O AFANGIDEH ALICE, PETER AJIBI SUNDAY OLAKUNLE AKPAN UBONGABASI NSE ANONYAI ANTHONY AZEEZ ABIOLA, IYABO CHIORU UDUNMA, ONYINYE AFANGIDEH EKAN MICHAEL AJIBODU BENJAMIN OLUSEGUN AKPILE JOSEPH OBUKOWHO ANONYAI STEPHANIE AZEEZ WAHEED ADEBAYO CHRIBEN NIG ENT. AFELEOKHAI SAMUEL, OMONIGHO AJIBODUN EMMANUEL, OLUWALANA AKPODEHE AGNESS, ANONYEI PATRICK, OSADEBE AZUBIKE MARIA MGBECHI CHRIST THE SAVIOUR (ANG) CHURCH(I.O.A.I) AFELUMO ARINOLA OLUFUNKE F. AJIBOLA IKO AKPONYE FIDELIS IHEDIOHANMA O. ANORUO PAUL CHUKWUKA AZUNNA PATIENCE, FUGBARA CHRISTAIN LEADERSHIP DEVELOPMENT COLLEGE AFN BROKERS UNLIMITED AJIBOYE BAMIDELE SAMUEL AKPOVI JOSEPH, OWEREMOH (HON JUSt) ANOSIKE JOY, OKWUCHI AZUOMA NWABUGOH NATHANIEL CHU OLE, SIMEON AFOKE OLATUNJI ATANDA AJIBOYE EMMANUEL, OLUWATOYIN AKPOVIRI OGHENEKPAROHWO, JOSEPH ANOSIKE MARCELMIKE, CHILAKA BABA FATIMA, AYUBA CHUGBO GRACE, EBUBECHUKWU AFOKWALAM FIDELITY, IJEOMA AJIBOYE ISAAC BAMIJI AKUBUEZE VITALIS UDODIRI ANTEBONAM CHUKWUJEKWU, CLEMENT BABAJIDE SHOLA, CHUKWU CHRISTIAN, CHIBUEZE AFOLABI ADEPEJU, ADUNNI AJIBOYE JAMES, TAIWO AKUBUIRO PAUL, ANTHONY OBAFEMI ABIODUN ADETOUN BABALOLA DORCAS OLUBUNMI CHUKWU JOHN AFOLABI ADEREMI, BASIRU AJIBOYE OLUBUKOLA, FOLASHADE AKUCHIE AUGUSTINE, CHUKWUEMEKA ANUMU PETER BABALOLA ESTHER YINKA CHUKWU DANIEL CHIKAODIRI AFOLABI JOHNSON, ADESISI AJIBOYE SAMUEL, OYEKUNLE AKUCHIE GODSWILL, CELESTINE ANYA FRANK UME BABALOLA OLUWASEUN, AYOMIDE CHUKWUEMEKA ORJI, CHIDOZIE AFOLABI OLUSEGUN, TIMOTHY AJIDASILE OLUKEMI IRENE AKUETE ERIC H.A KWAOVI ANYAEGBU UCHECHUKWU GODWIN BABALOLA STEVES OYELOLA CHUKWUEMEKA SAMUEL CHIKELU AFOLABI SHOLA, MARY AJIFOWOBAJE PHILLIP, FISHO AKUJOR SAMUEL NDIDI ANYAEGBUNAM NGOZI, BABANUMI SUNDAY SEGUN CHUKWULAKA PRECIOUS, JOY AFOLABI WAHEED, SALAU AJIGBOYE TAIWO AKUJURU ASSOCIATES ANYAEGBUNAM OBI BABATUNDE ADEREMI MUSIBAU CHUKWUMA GIDEON SUNNY O. AFOLABI GBENGA AJIROBA GAFAAR ADEWOLE AKUNYEONU DOMINIC ANYALEWECHI SUNDAY, AJAERO BABATUNDE JOEL, OLATAYO CHUKWUMA GLORIA, NWAYINNA AFOLAYAN OLATOUN, MOJISOLA AJISAFE DAVID, OKUNOLA AKUSIONWU CHRISTIAN, CHINASA O ANYAMELE CHIBUIKE MARTIN BABATUNDE SANNI DR &DR(MRS) CHUKWUMA UGOCHUKWU, VICTOR AFOLAYAN SAIDAT, ABIODUN AJISEGIRI BENSON AKINLOYE AKUSU MARTHA EJENAVI S ANYANWU DOROTHY, ONUHUMMA BABAYEMI BOSE, CHU-NWOSU OBIAGERI, ANGELA AFRO ARAB LTD AJITENA OLAYINKA OLUWATOMILOLA AKWUIWU BISIKE, BONAVENTURE ANYANWU EZINNE, BADAMOSI AYOMIDE, HANNA COKER GRACE OLAYEMI AFUAPE ADEWALE, TIMOTHY AJITERU FELIX DEBO ALABA EZE, OBINNA ANYANWU HENRY ONYEBUCHI BADARU GABRIEL ADEGBOYEGA COKER HENRY T, OKEADE AFUAPE ADIRAT, ABENI AJOMALE ADEJOKE, OLUWATOYIN ALABI ADETULA AUGUSTINE ANYANWU LEONARD, CHUKWUMA BADARU MOJISOLA OLURONKE COKER OLAKUNMI TEMITOPE AFUEVURE EBENEZER, EKI AJOSE OLAYIWOLA ALABI BIODUN, AP BUILDING STOCK CO.LIMITED BADEJO ATINUKE OLUWATOYIN COKER OLUWATOSIN, AFUWAPE AJIBOWU, AKANNI AJULO IDOWU FESTUS ALABI-OYO FEYISAYO OLUWAPELUMI APAGWU LILIAN CHIBUOZOR BADEJOKO(DECD) BADEJOKO YANA(ADMOR) GABRIEL COMPASS INVESTMENT AND SECURITIES LTD AFUWAPE MOBOLAJI, YETUNDE AJUMOBI EMMANUEL, ADE ALADE GBOLAHAN, APAKAMA ODRAN CHUBA BADERO OLAYINKA, G. 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LTD. EDEM WISDOM ENONA NIGERIA LIMITED FARODOYE JAMES OLADIPO IBEWUIHE CHIDINMA, RUTH ILOAKASI AZUBUIKE, ALEXANDER JIBRIL ALHAMDU EDET ANIEDI, EFFIONG ENONE VIVIAN OMASAN FASANYA FOLASHADE COMFORT IBEZIM ANAYO JERRY ILOBA EUNICE JIBRO DANIEL, LAMIDO EDET OFONIME, OKON ENUEZIE LAWRENCE, IFECHUKWUDE FASANYA OLAWALE TUNDE IBHAZE ERIC, OLELEORIA ILODUBA NNEKA, NGOZI JIDE TAIWO & CO EDET UKARA-ABASI SAMUEL ENUMAH EMETENENA, MARIA FATAI MORUFU ADESHINA IBIA DEBORAH OJOYEMI ILOKA CHUKWUJEKWU LAWRENCE JIDEOFOR THERESA, EGO EDHUGHE MICHAEL ATEMUMEVO ENYI DORATHY, NDIDIAMAKA FATOBA BABATOLA SIMEON IBIDOKUN GRACE FUNKE ILOKA NNAMDI, JIMAREX ENT. EDIAE MANSURATU, OKUNWA ENYIDEDIE KEVINS, CHINENYE FATOKUN OLUYEMI, IBIKUNLE AYOWOLE, OLUWASEUN ILOMBU KANWULIA, ELIZABETH JIMOH ABDUL-KADRI KOLAWOLE EDIDE OKON EFIONG ENYIDI VICTORIA, IFEYINWA FATUNASE ABEL ABIODUN IBIKUNLE MOHAMMED, OLAWALE ILUPEJU KAZEEM TUNDE JIMOH AYOTOLA ABDUL LATEEF EDIKE ADINEBO EPAH SAMUEL FATUNMIBI MOSES, OYELEKE IBILOYE JOHN, OLUFEMI ODENIYI IMADE FAVOUR, OSAGBEMWORHUE JIMOH IBRAHIM, OLAYINKA EDITH UWANYEREMGWU ORJI EQUITY INDEMITY INSURANCE CO (ACCT 2) FATUROTI ADEOLA OPEYEMI IBIRUNKE ADEDAPO, IMAEKAHAI ANTHONY, O. JIMOH OLUWAFIFUNWA, OMOLAYOSI EDOZIE CHIBUNDU NKEM EQUITY INDEMNITY INSURANCE COMPANY FAYEMI ADETOUN, OLUWATOSIN (MRS.) IBITOLA BEATRICE, OLUWAYEMISI IMAFIDON NOBIN OMOLOVBIYE JIMOH TAIWO ALABI EDUN ADELEYE KUBURAT LTD FAYOMBO OLABISI, IBITOYE ABDUL LATEEF IMAH CHIGOZIE, EMEKA JINADU IBRAHIM GBADEYAN OLATOYE EDUN OLUWAFEMI, JOHN ERAIKHUEMEN CECILIA, OBOISE FAYOSE FEYISETAN OLAYEMI IBITOYE BAMIDELE, JULIUS IMAHA EKONG PETER JINADU TAJUDEEN KAYODE EDWARD-OKOROBO SUNDAY, OROVBIGHO EREGOBA CHARLES TEKE MICHAEL FEABS VENTURES IBRAHEEM AYOBAMI, OMOWOMUOLA IMAM SIKIRU, BARE ISHOLA JOCK KPAINOM CORNELIUS EDZOA ONANA BILOA FELICIEN PAUL ERHABOR COMFORT CHINYERE FEDOKE JOSHUA R.A IBRAHEEM LAJA, IMARA OGHALEMENA, AGNES JOHN DOMINIC ETIM EFETURI ASAGBA A. ERHIRHIE OMOVOGHO, JOSEPH FEMADEC RESOURCES IBRAHEEM-ABDULLAHI KHADIJAT, (ALHAJA) IMARA OVIEMUNO, JOHN DOMINIC, ETIM EFFIONG EDET, BASSEY, ERHIRHIE ONOME, FELICIA FENTOK GLOBAL RESOURCES LTD IBRAHIM ABDULRAHIM, FUNSHO IMEDIEGWU CHIMARA, ODOEME & NGOZI JOHN EDWARD, C. EGBE LILIAN ABIODUN ERHIVWOR BENSON, SALAMI FESTUS ADESUMBO, ADEYEMO IBRAHIM ADAMU, IMEH IDIONG, PROMISE JOHN UDUAKABASI RICHMAN EGBE PLINY UCHECHI ERIBO GODFREY NORAGBON FETEPIGI TONS, TONYE IBRAHIM ADETINA, ABDULRASAK IMOH EMMANUEL, C. JOHNSON NKPOIKANNA ASUQUO EGBORO FRANK, BAWO ERINLE GRACE AGBEKE FETUGA ADEBIYI ADENIYI IBRAHIM ADETONA, IMOH IHESHIABA CORNELIUS JOHNSON OLUSEYE OLUFUNMILAYO EGBU CHICHIEBEN ERINLE OLABISI BOLANLE FEYIJIMI COUNCILLOR, FEMOLA IBRAHIM ALHAJI, MAKAMA IMOLEMEH PHEBE, JOHNSON SAMES, MATTHEW EGBUKOLE IKENNA, UGOCHUKWU ERNEST FELICIA, NDIDIAMAKA FIAGAH DANIEL THADDEUS IBRAHIM AMINU BAGUDU IMONIKHE ABEMARU, JOHNSON UWEM, A EGBULEFU CHINYERE, BLESSING EROGBOGBO YETUNDE, FIETONGHAN CAPTAIN MOSES IBRAHIM BABA, AISHATU IMONIKHE JOY, JOJO SAMUEL, NDUKA EGBUNA FRANCIS OJIMMA ERUAGAN OTAROGHENE FIRST BAPTIST CHURCH,IKEJA IBRAHIM DANASABE IMOSEMI STEPHEN, JONAH CHARLES, EGHOBAMIEN IVIE ERUDE OGHENENYERHOVWO HOPE FIRST ECO (WA) INSURANCE BROKERS IBRAHIM FOLASHADE BISOLA IMOUKHUEDE CHRISTIAN, JONES MARY, UDOH EGODO MICHAEL UJENUDO ERUOTOR RUKEME, DAVID FIRST EQUITY SEC.-DEPOSIT A/C IBRAHIM KARIMATU, AMINU IMPRESSION MAKERS LTD JOSEPH LUCY, AFIWA EGOPIJA ERNEST, IBIRIEN ERUTEYA OVIE EMMANUEL FLETTONS INVESTMENTS LIMITED 2 IBRAHIM MOHAMMED, MAGAJI INDEPENDENT SEC.LTD., TRADED-STOCK-A/C JOSEPH LYDIA, ADENIKE OLURAMILOWO EGWO CHIOMA, CHIKODI ESEL SAMPE ENTERPRISES FOLAGBADE MARGARET, OLADUNJOYE IBRAHIM UMARU INENEMOH PAULINE, MINE JOSEPH OKACHI, EGWUEKWE FRANCIS, CHIKAODINAKA ESENWAH PATRICK, IKECHUKWU FOLARIN GANIYU ADEBAYO IBRAHIM UMARU, INNOCENT-NWACHUKWU CHINEDU, JOSEPH OLUKAYODE, MOSES EGWUNYENGA ALEXANDER, NWABUNDO ESHIET EFFIONG ASUKWO FOLAWIYO TAWAKALIT, OMOWALE IDAHOSA OSEVBUNU, SOLOMON INOKOTONG NSE C.J JOSHUA PATRICK OLANLE EGWUONWU BLESSING, CHINYERE ESIMAI MONYELU SAMUEL FOLORUNSO ELIZABETH OLUTOLA IDAMINABO GODDY, INOKOTONG ROSEMUND CLEMENT JOSHUA MICHAEL INVESTMENTS LIMITED EHIAGUINA KINGSLEY OSEGHALE ESIN JOAN AFFIONG FONDS AND PRICEY LIMITED IDANG PETER, INTEGRATED TRUST & INV.-DEPOSIT A/C JUGU GYANG, DAVID EHIEZE JANE IHEOMA ESSIEN RITA, UDIA FORMIDABLE EQUITIES & ASSOCIATES IDANI BENSON, EMONAJIVWO INTERNATIONAL PENTECOSTAL HOLINES CHRCH JULIUS ADEREMI, ABIYE EHIGIE ROLAND ESSIEN SYLVAR FORTUNE 2015 LIMITED IDEHAI UWANZE, AZEKUME ISAAC INUWA AMINU, HASSAN JULIUS DORCAS, OLUWASEYI EHIKIOYA OSEBHAHIEMEN JOSHUA ESTATE OF LOUIS IBETO, CHUKWUEMEKA FORTUNE HUNTERS NIG. LTD IDEMUDIA MCFRANCIS UNUOSE INUWA HAFIZ, MOHD JUMBO AMINIA, ELVIS EHINMHANRE VINCENT ESTATE OF LATE ADERINKOMI, MOSES FOTO'SCENE'THESIS LTD IDIKA OBE IDIKA INVESTMENTS COMBINATIONS LTD JUMBO EBENEZER, EIGBEDION EVON, ADEYEMO FOWOSIRE LATEEF O IDOKO CYPRIAN, INWANG ROSEMARY, UDUAK (MRS) JUNAID KAMOL OLAMIDE EIGBEDION MIKE, EMIOYUA ESUBIYI AKINPELU, OLA FOWOSIRE Y IDOKO LIVINUS IKECHUKWU INYANG CLEMENT, TITUS JUNAID MOSUNMOLA EIGBOBO WILKES ODEODE ESUE ALEXANDER OSHIOPEKHAI FRANCIS VICTOR, OLUSEGUN OKURO IDOWU ADEDOTUN, PAUL INYANG EFFIONG, AKPAN JUNE 2004 VENTURES EJEMBI EMMANUEL, AMEDU ETALUME EMMANUEL O FRANCIS WISDOM, CHIGOZIRIM OGUIBE IDOWU ADEYEMI MATTHEW INYANG EMMANUEL ENO K. C. BENCHARIS NIG. PLC. EJIAKU PRISCA, CHIBUZO ETEKPO JOSHUA KOSSI G.U.O CONSULT MANAGEMENT CONSULTANTS IDOWU ATINUKE, INYANG EMMNAUEL, IMEH KABIRU MUAZU, M EJIKEME NNENE ETEWU AUGUSTA, JUDE GABRIEL PATRICK, NNAMDI IDOWU CALEB, ADERIBIGBE INYANG IMO, AKPAN KAIOR SAINT, LIVINUS EJIMKONYE STEPHEN, OSINAKACHUKWU ETIEBET EKAETE, ANIEKAN GAFFAR BARIYU, ABDUL IDOWU FOLORUNSO, ADILE INYANG JOHN, AUGUSTINE KAITELL EMILY AYODELE EJIOFOR CALISTA UZOAMAKA ETIM JOHNSON, DAVID GAGARIGA DIEPREYE IDOWU ISRAEL, EBENEZER INYANG UFOT, NEDD EMMNAUEL KAJEBORA DIYA AKANNI EJIOFOR JOACHIN AMOBI ETIM-UKUT NATHANIEL SUNDAY GAINS CONSULT IDOWU OLADOTUN LATEEF INYANG UWEM, ANDREW KALEJAIYE CHRISTIANA YETUNDE EJIWUNMI FEMI ETIOBHIO MARGARET, GALADIMA HANNATU HAMMA GALADIMA IDOWU OLANIYI, & OLUBUSOLA DOPEMU IPADEOLA OLAJUMOKE, NIHUN KALEJAIYE SUNDAY, ADEFOLUKE OLANREWAJU EJIWUNMI OLUBISI MORADEKE ETOKAKPAN FRIDAY SAMUEL GAMBARI OMAR BOLAJI IDOWU OLAWOLE OLUWAFERANMI IPINKO REBECCA, O. KALU AMOS, IRO EJODAME UAGBALE, E. ETONYEAKU GLADYS, OZIOMA GAMU KUDIRAT ATINUKE IDOWU OLUSEYI, ESTHER IPOGAH MARGARET, IMHOTSEMHE KALU ESTHER EJUKONEMU ROLAND ETUH THOMAS GANIYU ISMAILA, ALAFE IDOWU OLUWAROTIWA OLUWANIFEMI IPOTOKRI GODWIN EGHWUBAHRE KALU IBEAWUCHI, EKA BASSEY, OKON ESQ ETUK IMO DAVID GANSALLO ISAAC, SYLVANUS AKINKUNMI IDOWU OLUWASOLAPE OLAIDE IRABOR LUKE, PRINCE KALU NDUKWE, O. EKANEM ASUQUO, ETUK INIOBONG IMO GARBA EDIONG, JOSEPH IDOWU OLUWATOONI OLUWADARAFUNMI IRABOR MARTINS, EHIS KALU NWOBIARA EZIYI EKE ALEX, ALLEN ETUK JOHN AKPAN GARBA MOHAMMED DALHATU IDOWU RAZAK AYODEJI IRABOR STEPHEN EHIKHEBOLO KALU ROBERT IBIE EKEBE ANNE CHINYERE ETUKUDOH EPHRAIM, DENNIS GARBA OMALE, ALI IDOWU SAMSON AYODEJI IRABOR YAHAYA, ALIYU KANAWA MUSA BAH EKECHUKWU SYLVESTER, EULE STEPHEN, OKECHUKWU GARBA IBRAHIM GUSAU IDOWU SAMSON, DELE IRENROA OLATUNDE KANNO OGBONNAYA EKEFRE AFIONG NYONG EVBOERVAN PATRICK, OZINEGBE GAYA ALMUSTAPHA ABDULLAHI IDOWU SAMUEL OLUSOLA IREWUNMI BABATUNDE IDOWU KANU ADANMA NOSO MERCY EKEH NKEMJIKA, GODFREY EWAH OSEMENLU CHUKWUKA GBAJA-BIAMILA EMIOLUWA IDRIS ADAMU MUHAMMED IDRIS IRIBHOGBE KAREN OMOYE KANU UZODINMA UZOUKWU EKELAKA VICTOR AJUSIMONU EWEKA ABIODUN, ALEX GBALA BABATUNDE, SOLOMON IDUOZEE BENEDICTA, UWA IRITEMU KELLY IGUEARIEDE KAPITAL CARE TRUST&SECURITIES EKEMEZIE FRIDAY CHUKWUDI EWENLA OJIKUTU, SHOLA GBANVO CODJO JOACHIM IFADA GRACE, IRO EUNICE, KAREEM ISRAEL ALABI EKEMEZIE TIMOTHY, CHIBUZO EWEWE ROSELINE A. GBEMISOLA DAVID, OLUSOLA IFEAKACHUKWU ELOCHUKWU, AFAMEFUNA IROANYA RACHEL, ESOMCHUKWU NNALU KAREEM OLUSEGUN, EKENYERE OKECHUKWU, EWULE BRIDGET WALERUCHI GBEMUDU PATRICK YAZID IFEBAJO IYABOSOLA, ADENIKE IROCHE SONNY, IFEANYI KAREEM RASHEED AKANNI EKE-WILLIAMS PATRICK, EWUZIE CHINYERE, ANTHONIA GBENRO ADIO IFEJIKA DOUYE EDITH IROEGBU MARY OKWUCHI KARIKARISEI EBIERE, AUGUSTINA EKIENABOR JONATHAN, TRUST EXACTSCIENCE TECHNOLOGIES LTD GBULIE UCHENNA, IFEKWEM IFEANYI, MCDONALD IROJAH FEMI, KARTEY TEMIWUMI, EKIM UKEMEOBONG EDO EXCEL TRUSTS NIG LTD GEE KAY BEE (NIG) LIMITED IFEZULIKE IFEANYI .C IRONDI MERCY G. 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EZE BLESSING, NJOKU GODSSON JESUSPIKIN, BENIBO WILLIAM -WEST IGBINOBA LUCKY NORMAL ISAIAH FELIX SUNDAY KAZEEM ABIODUN, LATEEF EKPEOGHARANETSE AGURA VICTORIA EZE CHUKWUEMEKA CLETUS GODWIN BENJAMIN NDUBUISI IGBINOSA O., FELIX ISAMOTU MOSHOOD OLADEPO KEGBE JOHNSON & QUEEN JUSTINA CHRISTY EKPEOGHARANETSE ARITESHOMA BLESSING EZE EUGENE, AZUKA GODWIN CHRISTY, THELMA IGBINOSUN HELEN, JOSEPHINE ISANG EMEM PAUL KEHINDE OLATOYE EKPEOGHARANETSE EYIMOFE JOSHUA EZE IFEOMA MARGARET GODWIN HOPWOOD KUYE IGBINOVIA AMENAGHAWON, ISANG IME, LILIAN KENESSE NIGERIA LIMITED EKPEOGHARANETSE TORITSEJU GODWIN EZE NNENA, LAURA GOFAMINT EMPLOYEES WELFARE ASSOCIATION IGBINTADE ELIZABETH OLUWAYEMISI ISHAKU DARIUS, DICKSON KESHINRO CHARLES OLUFEMI EKPO EKIKERE, EZE OLUWATOSIN, BUKOLA .G GOFWEN RITKATMUN EMIOYE IGBOANUGO IFEOMA GLORIA ISHAKU LULAMEWA ISRAEL KIGHO DAVID EKPO IHEANYICHI, CHIKEZIE EZEA JUDE UCHENNAYA GOFWEN NEMMAN WILLIAMS IGBOANUGO SUNNY FRANCIS ISHIKE NATH UTU KILADEJO AGNES, FIBI
102 Ecobank Nigeria Annual Report 2010 KING MOFOLUWAKE OMOBOLANLE MORGAN BENJAMIN BASSEY NWANOGALAYAN JOHN, ODEFEMI GANIYU, OGUNKOYA OLUYOMI TEMITAYO OKEKE MAURICE KOKO MIABIYE, MORKA CHARLES, NWANONYOBA UCHENNA, HYACINTH ODEH ONAH, JAMES OGUNKOYA OMOWUNMI TEMITOPE OKEKE SUNDAY, NWAJIUGO KOKU OMOLARA, OLUFUNMILAYO MORONKOLA OLATUNBOSUN, DADA ALEX NWANUA ANTHONY, ODEINDE FOLASHADE IYABO OGUNKUNLE MRMRS, RAHMON OKEKEGWU OKECHUKWU, GODWIN KOLA-BALOGUN MOJISOLA, MUJIDAT MOSES FRIDAY, ONUORIA NWANZE KANAYO F. ODEINDE OLUDOLAPO ADUNNI OGUNLAJA ADEBOLA OLUWATOYIN OKELOLA RACHAEL OLUFUNMILAYO KOLADE SAMUEL ADEBOWALE MOUKA LIMITED NWAOBILO CHINAZA GOODNEWS ODEINDE OYINKANSOLA OLUKEMI OGUNLANA BOSE OJUOLAPE OKELUE GRACE, NGOZI KOLAWOLE ADEWALE, ADESHINA MPAMA NKECHI, EUPHEMIA NWAOGWUGWU CHINENYE, JUSTIN ODEJIDE JOHN, OLASUNKANMI OGUNLANA OPEYEMI, AFOLAKE OKENE LAWRENCE OGBONDA KOLAWOLE JOSEPH, OLUWADARE MPAMUGO NGOZI VERONICA NWAOKOLO EMMANUEL CHUKS. ODENIYI AYODELE, KAYODE OGUNLEKE EMMANUEL, ADEREMI OKEREKE AUGUSTA, NNENNAYA KOLAWOLE OLUWASEUN, DAVID MUAZU MASUD, NWAORGU ONYEKWERE, GEORGE-FELIX ODERINDE ABIODUN OLAYONKA OGUNMADE DAMILARE, BAMIDELE OKEREKE PETER AZU KOLAWOLE WALE, LIMOTA MUHAMMAD ABDULKADIR BIDA NWAORU MOSES, UCHE ODERINDE LAWRENCE OGUNMAKIN VICTOR OKEZIE CHRISTIANA, KOLEOSO OLUSOLA, MUHAMMED BELLO, HASSAN NWAOTULE EMMANUEL NDUBUISI ODERINDE USORO, OGUNMILADE OLUMUYIWA, ELEAZAR OKEZIE FEECHI, KOMLAFE IBILOLA, MUHAMMED IDRIS, MARYAM NWAOZO CHIBUGO ODESANYA OLAPEJU, OLABISI OGUNMILORO AYODELE JULIUS OKEZIE NGOZI, NWANNE KOSIRU MUTIULAHI, MUHAMMED KASIMU NWAZIRI CHUKWUMA, ODESILO AKINBOLA OLAKUNLE OGUNMOKUN SABINAH TITILOLA OKHIDE SUNDAY JUNIOR KPANDEI BOLA, BARIDI MUNIS FUNLAYO FLORENCE NWAZUE-NWACHUKWU JUSTINA, ONYINYECHI ODESOLA IBRAHEEM, ADENIYI OGUNMOLA MUDASIRU ALABI OKILE KENNETH JINYEYEBRETONWA KRISTAR AGBROMINES, LIMITED MUOGILIM OGOCHUKWU, EUNICE NWEKE CHRISTIAN, CHUKWUDUBEM ODEWALE GREGORY OLUJIDE OGUNMOLAWA FEMI, OKISOR CHUKWUKA PHILEMON KUALE BOTUKORE OVONHWE MUONEKE JOHN, CHUKWUMAIJEM NWEKE WATER, MADUADUCHIE ODEWALE OLUKUNLE, JOHNSON OGUNMOYELA ELIZABETH TITILAYO OKLEBE IKADE SIMON KUFEJI SIMPLICIO ABIODUN MUONEKE ROSEANN NGOZIKA NWENE CHIEDOZIE TITUS ODEWAMI OLAJIDE, NICODEMUS OGUNNAIKE ADEKUNLE, OLUWATOSIN OKO JAJA GODIS KUFORIJI OLAKUNLE MURAINA BASHIRU, AYANTUNDE NWEZE FRIDAY ODEWUNMI ELIZABETH, O (MRS) OGUNNIRANYE RICHARD, TAIWO OKOAYE FOLASHADE, KUDIRAT KUMAPAYI OLUSEYI MURITALA OLOHUNKEMI, ADUA NWEZE FRIDAY NNABU ODEYEMI DEBORAH, IYANUOLUWA OGUNNIYI MUNIRAT, OLUFUMMILAYO OKOCHA SAMSON, NDUBUISI KUMOLU-JOHNSON HENRY BABATUNDE MURITALA RASAKI NWOBBI JOYCE, ONYEKWERE ODEYEMI MARY TEMITOPE IYANUOLUWA OGUNNIYI TUNJI, JOSEPH OKODUWA GREGG OSOBHAKHIA KUNOUN ROCKSON AMATARI MURITALA TAOFEEQ, OLATUNJI NWOBGU NELSON WOGWUNKA ODEZI OGHENEKAKO, BENSON OGUNNUSI FUNSHO, DARE OKOEKOH SIMEON KUPOLOKUN ODUNAYO, MURRAY-BRUCE FRANCIS BRENDAM NWOBODO CHUKWUDI,UZOMA ODIA IMUETINYANOSA, ANITA OGUNODE ELIZABETH TAIYELOLU OKOGBUA INNOCENT OKORO KUPOLOKUN OLUBUKOLA, OLATOKUNBO MUSA ALHAJI SAIDU NWOBODO DANIEL SUNDAY ODIASE ILOBEKEME OGUNREMI OLUMUYIWA, TONY OKOJOKWU COMFORT, ADA KUPOLOKUN OLUWOLE, OLADEJO MUSA HALIMATU, NWOBODO OKECHUKWU, IFEANYI ODIGIE DAVID F ILENLU OGUNRINDE MIKE OSUOLALE OKOLI EMMANUEL CHIDOZIE KUTEYI JANET, ARINOLA MUSA JAMES, MOHAMMED NWOGU CHUKWUMA EJIKE ODIGIE IMAFIDON DARREN OGUNRINDE MOBOLAJI, OLUYEMI OKOLI FELICIA CHIDINMA KUTEYI JOSEPHINE OLUWADAMILOLA MUSA OBANERO, MALIK NWOKE HELEN, ODIGWE HYACINTH NWAFOR OGUNRINDE OLUBUNMI ADIO OKOLI IFEYINWA, CHIGOZIE KUYE ABISOLA OLUFUNMILAYO MUSA OKOLIKO BABA NWOKOCHA JAMES, DAVID T ODILI NWAMAKA CHIGOZIE OGUNSAKIN MICHAEL OLATERU OKOLI MELVIN, EMEKA KWAZU JOHN, ONOCHIE MUSAH KABIRU, NWOKOCHA JAMES, OBIANUJU C ODIMEGWU CLEMENT, OGUNSANYA ABORODE, OKOLI SAMUEL OBINNA LABARAN FAIZA MUSTAPHA AWAWU, AYOOLA NWOKOLO GODWIN BENEDICT CHIEDU ODJEGBA JAMES, EFETOBORE OGUNSANYA DAMILARE, ADEKUNLE OKOLIE CAROLINE COMFORT LADAN TANIM, Z. MUSTAPHA TAJUDEEN AYINDE NWOKOLO MEDUA, C. ODJEGBA OGHENETEGA, OGUNSANYA OLUWASEYI-S., OKOLI-EKE ANNE LADAPO-HAZZAN ADEFEMI MUYIDE CHRISTOPHER, OLATEJU NWOKOLO NATHAN ONUORAH ODO REMIGIUS UCHENNA OGUNSEMI OLUKAYODE BABATUNDE OKOLI-EKE STEPHANIE LADEBO KAREEM OLADOKUN NABIRIBERE MINA BENJAMIN NWOKORO VALENTINE, CHUKWUDI ODO UCHENNA R OGUNSEMI YEWANDE OLUKEMI OKOLIKE EMEKA PASCAL LADIPO JONATHAN OLALEKAN NAIYEJU TITILOLA, ADESOLA NWOSA DANIEL OLISEYENUM ODOCHA NGOZI, ADANMA OGUNSESAN ADEKUNLE ABDULRAHMAN OKOLO FRANCIS CHUKWUDI LAFENE USMAN ABDULKAREEM NARTEY IRENE EGYIMBA NWOSU ANTHONY, ODOEMENE DORIS DABOTA OGUNSEYE OMOBOLA, OLUYEMISI OKOLO STELLAMARIS, LAGELU 16 CLUB NATHAN DANIEL NWOSU CHUKWUEMEKA ODOH NZUBECHUKWU, OGUNSINA MOBISOLA, BLESSING OKOLO STEVE, ANAGO LAKSWORTH INVESTS & SEC LIMITED NCHEGE NGOZI, INYANG NWOSU DENNIS, NWOSU ODOM BERNADETTE ADA OGUNSINA RICHARD, ADE OKONJI KENNETH OKOLIE NGAGBAOSO LANGE LOIS TUKUR NDAH IME, FELIX NWOSU EMEKA IFEANYI ODOYI BENJAMIN OGUNSOLA MATHEW OLUSHOLA O. OKONKWO EMMANUEL, AZUBUIKE LANI INDUSTRY LIMITED NDAH INIOBONG, HANSON NWOSU FABIAN EMENIKE ODU VERA OGUNSOLA OLUWATOYIN, AYOMIDE OKONKWO FELICIA, LANIYAN OLANREWAJU S. NDAHI BITRUS, BATA NWOSU KENNETH NNABIKE ODU-AJOSE OLANREWAJU, OGUNSOLA OYINDAMOLA, MODASOLA OKONKWO FELICIA, EKAETTE LANRE-ADEMOYEGUN AYOMIDE, CHIKA NDEM ALLEN, DAVID NWOSU LINDA, UWAOMA ODUBANJO ADEMOLA, DAVID OGUNTIRIN VICTORIA, OLAKITAN OKONKWO ISIOMA, LARTEY VICTOR, EMMANUEL TETTEY NDIDIGWE BENEDICT UGWU NWOSU MARY-ANN NGOZI ODUBANJO MERCY, OGHENEKEVWE OGUNTOBA BOLA OKONKWO OKECHUKWU, ANDREW LASAKI OLUBOLADE OLASUMBO NDIFE GODWIN, CHINYERE NWOSU NGOZI, CHINYERE ODUFALU OLUSEYITAN, IFECHUKWU OGUNTOLA OLAMIDE, DAMILOLA OKONOFUA LUCKY, IRHIOGBE (PIF) LAWAL ADEGBOYEGA NDIHGIHDAH DEBORAH NWOSUJI CHARLES, IKECHUKWU ODUFOWOKAN ADEJOKE, OGUNTUASE FLORENCE MODUPE OKONTA C.U.C, CHUKS LAWAL BINTA YAHYA NDOK EMA OKON NWOSU-PETERS DAMEON, IKECHUKWU ODUKOYA OLAWALE OGUNTUGA ADEWALE, ADENIYI OKOPOTOM BLESSING, FRIDAY LAWAL MONSURAT OLABISI NDOKWE STELLA, NGOZI NWOYE SELEMA MILDRED ODUKOYA OLUSEGUN, TEMITAYO OGUNWALE RACHEAL, OLUYINKA OKORIE CHIKE, LAWAL OLUROTIMI NDON ETETIM AKPAN UDO NWOYE SELEMA, (MRS) ODULAJA SUNDAY IDOWU OGUNWOLE VICTOR, OLUYINKA OKORIE CHISOMUNAZU LAWAL RAFIU BABATUNDE NDU IFEOMA, NYAH PETER, ALBERT ODULOYE OLUWATOYIN OGUNYALE ADEDAYO, OLUSOLA OKORIE CHUKWUEMEKA LAWAL RASHEED ADEYEMI NDU JOSEPH, OKECHUKWU NYOYOKO CYRIL, CHRISTOPHER ODUM THERESA CHINYERE OGUNYANNWO OLUSEGUN, OLUSOLA OKORIE PATIENCE, LAWAL TAOFEEK T M NDUBUISI EPHRAIM EGBUNNA NZE SILAS ODUMU JOSEPH OGUNYEMI TOBI GBEMISOLA OKORIE UKACHI JULIANA LAWAN KABIRU, NDUBUISI ISRAEL, CHIDOZIE NZEFILI KENNETH ODUN-EWU ISIAKA OGUZIE JERRY HENRY O.I OKORIE ULONNAYA, RAWLINGS LAWSON EMMANUEL LATE NDUBUISI PATIENCE, CHIKAODI NZEGWU IRENE NNEKA ODUNIYI ADEDIWURA, IDOWU OGWEH NKECHI, CHARITY OKORO ADOLPHUS, OLANIYI LAWSON FRANCIS, NDUKA ANAYOCHUKWU, NOBERT NZEIFE NGOZI GRACE ODUNIYI MICHEAL, OLUMIDE OGWUEGBU CHINONSO, JUDE OKORO AHAMEFULA ORISAKWE LEBI SUNDAY, GBENGA NDUKWE BEATRICE, ELEWECHI NZERIBE GEORGE, BENNETH ODUNLAMI JULIANA ADEDOJA OGWUMA PAUL OGBAI OKORO ANGELINA UDEKWESI LENOIR TELECOMS LIMITED NDUKWE CHIBUNDUM, MARY-VIVIAN NZULUMIKE KIZITO, ODUNTAN FEMI A., MICHEAL OHAEGBU ANWULIKA MARYANN OKORO BENSON CLINTON LEPE NELSON, ABAYOMI NDUKWE UCHECHUKWU, OAKWOOD TRADING LIMITED ODUNZE IFEYINWA, VIOLET OHAJU OKECHUKWU GODWIN OKORO CHIMEZIE, CHRISTOPHER LIMAN MOHAMMED MUSTAPHA NDUKWU EDWARD CHIMA OARE SALIMAT, ODUNZE UZODINMA JOSEPH OHAM CELINA N. OKORO CHUKWUEMEKA JOSEPH LINESWORK CONSULTANTS NDUPU LAWRENCIA NWADIOBUMA OBADIKE PATRICK, OGOCHUKWU ODUSANYA ADEBUKONLA, MODINAT OHANAEMERE EMMANUEL, ONYEMA OKORO CLEMENT, NWAFOR LIVING RIVERS VENTURES NDUWEZE RAYMOND, EZEKWESHIRI OBADINA HALEE OLADELE ODUSANYA COMFORT KEMI OHANUGO WILBERFORCE NONYE OKORO JOSEPH, IFEONYE LLOYD-ROMEO AGNES, OLUFUNSO NEBO CHINEDU CHARLES OBADINA KOLAWOLE JAMES ODUSANYA LUKMON ADENIYI BABATUNDE OHANUGO WILLIAMS OKORO MARTINA, IFEOMA LOKOSU GRACE OLUFUNMILAYO NEDOLISA CHRISTOPHER, UZOCHUKWU OBAFEMI BUSAYO, AYEBABEBARA ODUSE OLAOLUWA, BABATUNDE OHANWE ESTHER, ADA OKORO NATHANIEL, C. UGOCHUKWU LONGE TAIWO, NEMEYEKE ANDREW IKECHUKWU OBAHOR EJOVWO, ODUSOLA TEMITOPE SAMSON OHIA TAIWO, NIHINLOLA OKORO ONYEKACHI NDUBUISI LUFADEJU FUNMILOLA, NEMEYEKE ANDY, IKE OBALIM CHRISTOPHER, MBANEFO ODUTAYO FLORENCE, OLUKOREDE OHILEBO ALICE OGHOGHO OKORO STEPHEN, OKWUDIRI LUKOH LEONARD KEMELADOR NESIAMA OMTSEYE, OBANUBI SUNDAY, ADEKOYA ODUWOLE ADEBIMPE IYUNADE OHIOR PAUL, AKHERE OKORO SYLVESTER, MADUAKO MARYJOAN, CHIDINMA NETWORTH SEC & FIN. LTD OBARO ANDY, ODUWOLE OLUFEMI, AYOOLA OHIRI NKEM, IMMACULATA TRACY OKORONKWO ANTHONY, NWABUEZE MADU-AWA IHEOMA, NEW TEAM INVESTMENT LIMITED OBAROGHEDO ALEX, OFERE JOSEPH OHURUOGU O. EMMANUEL OKORONKWO CHIDI SYLVESTER MADUKA CHINYERE, NEZIANYA MACKINGS, OBAROGHEDO FREDICK, OFFORDUM REMIGIUS CHUKWUDI.E. OJAIDE SYLVESTER, OKORONKWO DIVINE, UCHECHUKWU MADUKA CLEMETINA, NKEONYERE NGALAM TITA, SEMBI OBASANYA OLUTOYIN, OLUBUSOLA OLUYIN OFILI AGATHA OGOEGBUNAM OJEABULU AMBROSE, OKORONKWO UDOAMAKA MADUKA ISRAEL, NKEMDILIM NGBAKO AYUBA JACOB OBASEKI BENSON OLUTOBA OFIMAKS ASSOCIATES, OJEH CHRISTIAN ABIAMUWE OKOSODO KINGSLEY, MADUKA VINCENT, IFEANYI NGERE UZOGARA PETER OBATA JONATHAN, OFODILE ONYINYECHUKWU, CHINONSO OJEIFO P.M. OKOSU NAPOLEON DAVID MADUKWE NNABUKO SAMMY NGONG BENJAMIN, OGAR OBAWEYA ABIGAIL OLUMUYIWA OFODILE UCHECHUKWU, ADAEZE OJEKALE RAMON OYEGBILE OKOSUN DERREK, MAGBO OBIORA JOHN NGUEREMALET-BEA DEDE MORGANN OBAYEMI DAVID, OLUMUYIWA OFOEGBU AGUSTINE, CHINASA OJELABI EZEKIEL, OLA OKOSUN GAIUS, MAIDA AMINU, WADA NICHOLAS BLESSING, OBAYORI EMMANUEL OLAOLUWA OFOEGBU MONICA OLAYINKA OJELADE ADEBISI OKOSUN OMOYE, MAINA AHMAD ZAYYAD NIJI-ADERONMU ISMAIL ADENIJI OBAYUWANA GOODLUCK A OFOH EBERE PAULINUS OJELEYE ABEL, OLUSOLA OKOSUN PETER, ODION MAIRIGA BITRUS, NIRORO JOHNSON 0. OBAYUWANA ALBERT OFONAGORO FRANKLYN, CHIDI OJELEYE OLUWOLE, SUNDAY OKOSUN VERONICA, MAIYAKI RALIAT, NKOYO M NJIONYE NWACHUKWU OBE TOKUNBO IDOWU OFORI GEORGE, OJEWUYI JOHNSON ABOLAJI OKOTCHA PETER NGOZI-CHIKA MAKANJUOLA ROTIMI JULIUS NJOKANMA ASHIMEDUA M. OBELLE DAN OFU ISAAC IBOH OJI CHRISTIAN CHIMEZIE OKOULATSONGO CHRISTIANA, NGOZI MAKINDE GABRIEL, OLUTUNDE NJOKANMA NGOZI JOHN OBEMBE OLUSANYA, BABATOPE OGAGA EZE, OJIAKO VERONICA, UDOKA OKOYE MICHAEL, OGUEJIOFOR MAMMAN-LAGOS AHMED NJOKU BEVERLY, CHIMA OBETEN ODEN, OGBAKA OGAGA LAWRENCE OJIAKU OGBONNA, IBE OKOYE VICTOR EMEKA EMVO MANIFOLD NIGERIA LTD NJOKU EMMANUEL, OBETTA IFEANYICHUKWU, ANTHONY OGAH HAWAU OZIKENE OJIMBA CYRIL, CHUKWUNEME OKPALA IJEMA, MANIJU INVESTMENT CO LTD NJOKU PETER, CHUKWUJINDU OBEYA ADA, MARY OGAJI DAMINABO, T. OJINMAH SYDNEY, CHIDI OKPALA STANLEY, OKWUDILI MAPAYDA ADEBUKOLA, ORETAYO SADIAT NJOKU SYLVESTER ONYEACHU OBEYA PETER, OGALA IHUOMA, OJINNAKA JOHN, ELEMCHUKWU OKPALA UGOCHUKWU JOHN MARK UDO SUNDAY NJOKU SYLVESTER ONYEACHU OBI ANGELA E. OGBE HARRIETH, OJINNI NDUBUISI, OKPALAOBIOMA PETER MARK VIRTUOUS, NJOR EJUGU, BERNARD (MR & MRS) OBI EMEKA, PETER OGBEBILA ADETUNJI EZEKIEL OJO ADEWOLE, OKPAMA EMMANUEL MARTINS LOOKMAN, GBOLAHAN NKAMEME DONALD, ACHUNIKE OBI GABRIEL, NDIRIKA OGBEBOR THEODORA EKI OJO DAVID BAYONLE OKPARA DENNY UDENSI MATE ABIODUN, MATHEW NKEMJIKA-OTETE FUNKE, MARY AINA OBI GODWIN C. OGBE-OMOREGIE EDWIN OJO JONATHAN, OLA OKPARANYOTE KEVWE, BERNADATTE MATI HAUWA, NKEZE ANTHONY OBI JANE EZE OGBIDHE HELENA, OJO JOSEPH ADEWUMI OKPERE IMMACULATA, EGHONGHON MATUTU OGHENEOVO, LUCKY NLEWEDIM GODWIN, CHIKATARA OBI JANE, OGONNA OGBOBULA ISAAC, ABBOT OJO JUBRIL, OKPO STEPHEN NNAMDI MAXWELL MACHILL, MANIDU NMOR ISUSU, EDWIN OBI JUSTINE, IKEOTUONYE OGBODO EUNICE, A OJO LATEEF, OKPU PAUL ONYEMAECHI MAYFIELD FINANCE COMPANY LTD NNADI NGOZI, EUNICE OBI KOSISOCHUKWU, MALACHY OGBOLU NGOZI KATE OJO LUCAS OLUWATAYO OKPUTU OCHIM, JULIUS MBA MANKWE CHUKWU NNADI PATRICK, SAMUEL OBI OSONDU, OGBONNA GABRIEL, IKECHUIKWU OJO MARY, FUNKE OKUBADEJO ADEBISI, A. MBACHU IKWUAKOLAM, NNAJI HELEN, OBI SYLVIA KANEBI OGBONNA IJEOMA CHIDINMA OJO OLUWAFISAYO, A.(DR.MRS) OKUBADEJO OLUFUNKE, MBAH AUGUSTINE CHIBUIKE NNANNA EZE, OBI UCHENNA, (BATHLOME) BATHLOME OGBONNA JAMES, OJO OLUWASEGUN, OKUEFUNA GEORGE IFEANYI MBAH REGINA CHINYERE NNANNA PAMELA CHIGEKWU OBIAGA YOUNG CHRISTIAN OGBONNA JULIET, CHINOYE OJO OSATOHANMWEN, OKUMAGBA FRANCIS, MBAMA EMEKA, VITALIS NDIDIAMAKA NNAWULEZI JACINTA, OBIAGWU HILARY, AMECHI OGBONNA JUSTIN, CHIDIEBERE OJO PATRICK OKUNADE GBENGA, SAMUEL MBAMALU UGOCHUKWU, CHARLES NNEBEDUM NESOCHUKWU EMEKA OBIAKALIJE HELEN, MMAOGO OGBONNA MARTIN IFESINACHI OJO THOMAS, OYEBISI OKUNEYE OLUFOLAKE, OPEYEMI MBAMARA GRACE JOSEPH.M OBIAKO THOMAS CHUKWUEMEKA OGBONNA MARY UDE OJO YINUSA, KOLAWOLE OKUNKPOLOR ANTHONIA, MBAMARA SAMUEL NNEJI OKECHUKWU, CHARLES OBIAKOR CHIKADIBIA ISAAC OGBONNAYA EZE, NWOSU OJOMU OLUTOYOSI OKUNRINBOYE OLUWATOYIN, OLABISI MBANASO FREDERICK, UZODINMA NNOROM CLARA, ADANYO OBIAKULUSI INNOCENT, EMEKA OGBONNAYA OKORO LINUS OJONIYI DEBORAH, OLAOLUWA OKUNRINBOYE WALELOLA ENIOLA MBATI VICTOR UCHENNA NOLCHEM PENSION FUND OBIANWU ANGELA, IFEYINWA OGBONNAYA PAUL, OJOOLA MORUFU ADEKUNLE OKUNSOLA CECILIA, OLUREMI MBEREDE STANLEY, CHIDIEBERE NOLCHEM PROVIDENT FUND OBIANWU JOSEPH, IKEM OGBOSO EMEH CHINEDU OJOOLA YUSSUF ABIODUN OKUNSOLA OMOYEMI, DEBORAH F. MBONU AMAOBI, CHARLES NOMUOJA EMMANUEL OBIASOGU OGBUEHI MERCY OJUKOTOLA RAHAMON OLUWOLE OKUSAGA ATINUKE, MBUK EMMANUEL SAMUEL NSEFIK OROK OYO OBICHEBELUM KIZITO, EBERE OGBUEHI NADI PATRICK OJUMU KOJOE, ANTHONY A. OKUSAGA OLUFUNMILAYO, ADESOLA MEGAFU EVELYNE, TAMNALA NSIEGBUNAM CALLISTUS, ILECHUKWU OBIDEGWU POLYCARP, CHUKWUDI SUNNY OGBUEHI THEOPHILUS O OJUMU VIOLET, FUNKE OKUSANYA OLAYIWOLA, OLADOSU MEMBRE ENEIBIBI SATT JACKSON OBIEFULE GEOFFREY, IKECHUKWU OGBUIYI GLADYS IJEOMA OKAFOR ANGELA, NGOZI OKUSANYA OLUWANIFEMI, MENIM EMA WILLIAMS NUCOPACKS NIGERIA LTD OBIEKWE AZUBUIKE, OGBUKA WILLIAM, MADUABUCHI OKAFOR CHARITY, NKOLIKE OKUSANYA OMOLARA, OLUBUKOLA MENTIE PATRICK GAGA NWABOKU OGUGUA FESTUS OBIGHEBELU CHRISTOPHER UMEANAEFUNA OGEDENGBE AUGUSTINE AKINTUNDE OKAFOR CHARLES, UCHE OKUWOBI CHRISTIANAH, ABIODUN MERE GODFREY C. NWABUEZE JOSEPHINE, CHINYELU OBIJIAKU MADU, RALPH OGEDENGBE KOLAWOLE OKAFOR DENNIS, UDEGBUNAM OKUYEMI OLUWASEYI, TEMITOPE MERETI FRANCIS NWABUEZE OBI-AZUKAEGO, H. OBIJURU HELEN CHINYERE OGHARA JEME JACKSON JEME-JACKSON OKAFOR EBERE EMMANUEL OKWECHIME ERIC, IFEANYI MGBENDI PATRICIA, NWABUEZE TINA, NNEBUOGO OBIJURU OKECHUKWU, STANLEY OGHINAN ESEOGHENE AGATHA OKAFOR GLADYS CHIAJUGHIM OKWECHIME KINGSLEY, IKPEAMANAM MIBENE STEPHANIE, NWABUNOR VENTURES OBIKA CHUKWUEMEKA JOHN OGHOLOH OSAGIE, AJIEGBELEN REX OKAFOR IKECHUKWU, OKWECHIME MARIAN, NGOZICHUKWU MICHAEL UKA KALU NWACHI FELIX, EZE OBINKA DINMA, OGIDI BENJAMIN ABIODUN OKAFOR JOEL, OGUGUA OKWECHIME OSAYEME, EMMANUEL MIRACLE DENNISE NWACHUKWU CHARLES, & ANGEL NGOZIE OBINNA CHIDUBEM, OGIDIOLU JOSEPH SUNDAY OKAFOR SUNDAY, ONYEKA OKWEDADI IFEANYI PATRICK MKPONKIWEEK SHEDRACK, FELIX NWACHUKWU GEOFFREY, ONYEMUCHE OBIOHA IKECHUKWU ANTHONY OGILI CHIKA, OKAGBUE AFOMA, FRANCES OKWENI AUGUSTINE, O MOBEE OLUFUNSO(MRS), NWACHUKWU H. EZENWA OBIOIGBO OSITA, VICTOR OGILO OLUWATOYIN OLAYINKA OKAH ISAAC IKECHUKWU OKWESA JAMES, OTUNUYA MODILE .A., MUSILIU NWACHUKWU PAULYN, CHINYERE OBIOMA GODFREY ONWUGHARA OGINNI ELIZABETH, ABOSEDE OKAKPU STELLAMARIS OBIAGELIAKU OKWODU PATRICK, NDUBUISI MOGHALU JONAH, MADU NWACHUKWU ULUMA, GLORIA OBIOMA JESSICA CHITURU OGO OLUWA COOPERATIVE, INV. & CREDIT OKAN MARTIN, BANG OKWUDIRE GOODLUCK, UGONNA MOHAMMED ABDUL RAMAN TANKO NWADIALOR ECHEZONA OBINNA OBIORAH DONATUS OKWUCHUKWU .C. SOC. LTD. OKANLAWON AHMED, ABIODUN OKWUMA JUSTUS ODIRA MOHAMMED ABDULLAHI MODIBBO NWADIKE KINGSLEY AHAMEFULA OBISESAN ADEROGBA AKINLOLU OGU CYRIACUS, OKANLAWON BORIOLA, KEHINDE OKWUOLISA JOHN PAUL MOHAMMED ALIYU, ZURMI JAMILAH NWAEZEAPU DAVID, ONOCHIE OBISESAN MUSA, ABIODUN OGUAMA CECILIA NNEOMA OKANLAWON GANIAT, OLATOKUNBO OKWUOSA CHINEDU, MOHAMMED HIBATULLAH IMAN NWAFOR CATHERINE NGOZI OBIUKWU SHARON CHIZARAM OGUCHE OJOBI, JOHN OKANLAWON LUWOGUN, SIDIKAT OLA FISAYO, MODUPE MOHAMMED HIKMA IKHLASS NWAFOR GERALDINE, NGOZI OBIUNU ETEMENA, SAMUEL OGUELI JULIANA SHOGBAMIMU OLA OLUBUNMI CAROLINE MOHAMMED IFEOLA, NWAFOR IKECHUKWU JIDEOFOR NNAAYI OBOH AGHOGHO, OGUH MARIA, ULUMMA SUCCESS OKARIE FRED AJIRI OLA VICTOR OMOLOLU MOHAMMED ISHAQ UMAR NWAGBARA BASIL, A. OBOH BOLANLE, OLUFUNMILAYO OGUN TITUS KEHINDE OKE ARINOLA OLUFUNMILOLA OLABIMTAN ISAAC, KAYODE MOHAMMED MAIGANA, A. NWAGBARA HILLARY, NGOZI OBOLI PAUL, CHIDU OGUNADE SUNDAY MICHAEL OKE BENJAMIN, SUNDAY OLABINKE GBENGA, MOHAMMED MUWAFFAQ IMRAN NWAGBARA JAMES NDUKWU OBORO ANDREW OGUNBAKIN TOLULOPE, AKINWOLE OKE DOMINIC, OMOTAYO OLABIRAN ADESODUN, KOLAWOLE MOHAMMED NAFISAT NWAJEI AUSTIN, NGOZI OBOT UDEME RUFUS OGUNBERU OLABISI NIMOTALAI OKE JIMOH, OLABISI ADEOLA FUNMILAYO MOHAMMED OLATUNJI, IBN NWAJEI HENRY, DUMEBI OBUEKE FIDELIS, CHRISTABLE OGUNBIYI ADEBOLA OKE OLUFEMI, OLABISI WILLSON, OLATUNDE MOHAMMED OLATUNJI, WAHAB NWAJEI UCHE, ANYANKA OBUKOFE JOSEPHINE OSASUYI OGUNBODE VICTORIA AFOLAKE OKE TIMOTHY, ADEMOLA OLABIYI OLUKUNLE, MOHAMMED UMAR SALEH NWAKODO UZOCHUKWU INNOCENT OBULE GEORDGE, MARTYNS OGUNDANA SUNDAY, BENJAMIN OKECHI-KOKOH FRANK AGABUS OLABIYI SOLOMON, OLUYINKA MOHAMMED-MIJINYAWA BALA NWALIE STEPHEN CHRISTOPHER OBUNADIKE JOY CHINWE OGUNDEJI OLADELE MATTHEW OKECHUKWU CELESTINA, OLABODE OLUGBENGA, WILLIAMS MOHAMMED-SAAD SHUAIBU NWALIOBA EKENE, IFEYINWA OBUTE JOSEPH, AMEH OGUNDEYIN OLUKEMI, OKEDIRAN JAMES, OLATUNDE OLABODE RAMONI, AKANNI MOHIRO CHARLES KAYODE NWAMBUONWO JUDE OBUZOR PETER, NWABUEZE OGUNDIJI MOSES ABIMBOLA OKEGBENLE SAMSON IBUKUNOLU OLADAPO ADEBUKUNOLA IYABODE MOLEBI ROYAL HOTEL & GARDEN NWAMUO MARTIN OKECHUKWU OCHEJE GABRIEL YAKUBU OGUNDIMU RISIKAT OKEH KINGSLEY, CHIKA OLADAPO MATILDA MOMOH IDOWU ESTHER NWANI JOSEPHINE EJIME OCHEME OBOYI JOHN OGUNDIPE ALERO IRENE OKEHI AUDREY ADAURE OLADAPO OLASUNKANMI, MARTINS MOMOH PETER YAKUBU NWANKPA AZUBUIKE CHRITOPHER OCHIAGHA PRINCESS ANN CHISOM OGUNDIPE FOLA ADEDIRAN OKEHIE IHIOMA REBECCA OLADEJI MOSES, OLUMAYOWA MONEME JANET NWANKWERE NDUBUISI, OCHULOR CHINENYE, LEO (DR) OGUNGBEMI JOSHUA DAYO OKEKE CHUKA, EMMANUEL OLADEJO AYOBAMI, ABIODUN MORAH BENEDICT EJIOFOR NWANKWO AGAEZI, ODARO-OSAZUWA EFE ANTHONY OGUNGBEMI WILLIAMS S S OKEKE EMMANUEL CHUKWUEMEKA OLADELE MOJISOLA ABIOLA MORAWO BABARINDE, JOSHUA NWANKWO JACHIKE, CHINWENDU ODEBO FEBIMPE OLUFUNMILAYO OGUNJANA BOLAJI OLAJUMOKE OKEKE EOC OLADELE OLUWATOSIN, BOLAJI MORDI ANTHONY, CHUKWUNWEIKE NWANNE TOBIAS AMADIKWA ODEBOLA EPHRAIM AYINLA OGUNJIMI OLUWAYEMISI AGNES OKEKE IKECHUKWU ANTHONY OLADIJI BABATUNDE ALABI MORDI CHRISTIAN, OJOSHIMITE NWANNUKWU IFEOMACHUKWU, VICTORIA ODEDIRAN MOSES OLUYEMI OGUNJUMO EMMANUEL GBILE OKEKE MATTHEW, EJIKE OLADIMEJI DEBORAH TAYO
Ecobank Nigeria Report 2010 103 OLADIPO EMMANUEL SUNDAY OLUYIDE VENESSA ABIOLA ORJI CHIDERA, BETHEL IKECHUKWU PEINGURTA NIFARTA ANDREW SOGUNLE ANTHONY, KEHINDE UGWU IGBONEKWU, EVANS OLADOGBA SAMSON OLAYINKA OLUYOMI PAUL OLUDOTUN OROKI CLUB 20, OSOGBO PEMII IMMACULATA ZIGA SOKUNBI TAIWO O. UGWU IGNATIUS OLADOKUN SUNDAY OMABUWA MAUREEN, GBUBEMI OROWOLE OLAKUNLE, SUNDAY PENINSULA NOMINESS 'A' A/C SOLA-AJILEYE OLUWATOYIN, ADEBOLA UGWU KENNETH UGWU OLADOSU JEREMIAH AYODEJI OMACHI JOSHUA UWADA OSABINU AYODELE, PENNFIELDS SECURITIES LTD SOLAF VENTURES UGWU LAWRENCE, OKAFOR OLADOSU ROSELINE, OMACHI PAUL, SHAIBU OSADARE ELIZABETH, MOPELOLA PENNFIELDS SECURITIES LTD SOLAFAK UGWU OKWUDILI OLADOYE OLUWOLE OLAWALE OMAFU JOSEPH, OCHE OSADARE ELIZABETH, MOPELOLA PEPPLE CHRISTOPHER, IWO SOLARU ADEKUNBI BOSEDE UGWU STELLA, NKIRU OLAEGBE YEWANDE, ABOSEDE OMARE OMASAN CHARLES OSAMIHA HARRISON, PERPETUAL INVESTMENT, (2003) LIMITED SOLARU OLUWATOYIN, UGWU VITUS ONUORA OLAFINMIHAN ANTHONIA, TEMITOPE OMARE-DJUWOVWE ERERTEVWE, HENRY OSANTA COMMUNITY BANK LIMITED PETER IBRAHIM SOLID-ROCK SECURITIES INVESTMENT LIMITED UGWUEGBULAM CHIKWEM CORNELIUS OLAFUSI OLUWATOSIN, ABIODUN OMEDE IFEANYICHUKWU, AUGUSTA OSARUMNENSE CHRISTOPHER, OSASU PETER IMO-ITA INIABASI SOLOMON OLUMUYIWA ADEMUWAGUN UGWUMBA NGOZI, C. OLAGOKE ISIAKA, OLANIYI OMEH CHINWE, STEPHEN OSAWARU EGHOSA LYNN PETER SUNDAY, EWOMA SONAIKE EMMANUEL, OLUDOTUN UGWUONA WILLIAM OLAGUNJU IKPONMWOSA, OMEJE KAOSISO, CHUKWU SAM OSAYAMEH OLUFUNLAYO, OLUBAMBO PETERS ABIODUN, OLUSEGUN SONTAN ADEMOLA UGWUZOR CHURCHILL, NKIRU OLAIDE ABOSEDE, FUNMILAYO OMEJE MARY, CHINENYENWA OSAYINGBE S.A PETERS EBUNOLUWA OLUFUNMILAYO SONUGA ODUNLAMI OLUMUYIWA UHUNMWANGHO PAMELA, OSAR OLAITAN ABIOLA, ADEJOKE OMEJE PATRICIA, OBIOMA (MRS) OSAZUWA GLADYS PHILLIPS CONSULTING LIMITED SONUKAN DORCAS, ABOSEDE UJAH CLETUS ONCHE OLAITAN WAIDI OMEKU ANTHONY, CHIDI OSAZUWA TIM COMFORT, PITAN OLUYEMISI, OLUBUNMI SOSANYA TINUADE OLUSOLA UJI CAROLINE, NYIEPINE OLAJAIYE THERESA MODUPE OMENKA MONDAY CHUKWUEMEKA OSBORNE OLUREMI, AINA PIUS PHILIP STEPHEN SOVEREIGN TRUST INSURANCE PLC UKACHU KELECHI, DIVINE OLAJUWON OLUWATOYIN, LORETTA OMERE MARIA ITOHAN OSEGBO ZEPHANIAN CHIBUZO POPOOLA ADEDOTUN TAJUDEEN SOWOLE ROSALINE OLUFUNKE UKAEGBU TITUS, NWABEKEE OLAKANYE FLORENCE OMOLOLA OMETAN GODFREY, UFUOMA OSEMEKA LYNDA, NWAMAKA POPOOLA ISAAC OLUFEMI SOYINKA-ONIJALA MOREMI UKAH EMMANUEL, STEPHEN OLA-LAWAL AREMU LOOKMAN OMIDIRAN THOMAS, OLUFEMI OSENI BARAKAT I. PORCHESTER EXECUTIVE HEALTH PROMOTION STEPHEN REGINA, EBERECHUKWU UKAJI LILIAN, OLUCHI OLALERE DAUDA, AKINWUYI OMIGBENLE ABIODUN, OSENI BASHIRU SHOLA AKANNI POUBO EBIYERI RUTH NIMITEI STEWART KATE, EMWINGHARE UKEGBU CHIBUISI, GOSPEL VICTOR OLALEYE DAMILOLA, JOSEPHINE OMILAKIN OLUSOJI, OSENI HALIMAT O. PRATT AKINTOMIWA STOCKCORP ASSET MANAGEMENT UKENNA JEFFREY IFEANYICHUKWU OLAMIJULO BOLA OMISAKIN OLUSOLA, AKINTOYE OSEWA OLUBANJO, PRUDENTIAL TRUST CO. LIMITED STRATEGY & ARBITAGE 30 UKO KAZIE, OLAMIKAN ADEKUNLE, GABRIEL OMNI-B HOLDINGS LTD OSHAKUADE ABIMBOLA ELIZABETH Q-TRESURE INVESTMENT LTD SUBERU SABO MUSA UKOH UDOYO OKODI OLAMUYIWA OLAPEJU OMOBOGIE JOHN, ERHARUYI OSHIGBOGUN OLATUNDE, QUAO ALFRED A. SULAIMAN LAWAL DG YAKUBU UKOME EMEKA, MICHAEL OLANIPEKUN KAZEEM OJO OMOGBEMI MDDUPE, MARY OSHIKOYA ADEDOTUN NEYE RAHAMAN YUSUF SULE ALEXANDER, IKPONWOSA UKOR JOSEPH OLANIPEKUN OLUWAFISAYO OMOGBETHAI FAITH, OSHIKOYA SAMUEL, DUROJAIYE RAHEEM DAUDA MOKOLADE SULE-KOIKI ADEDOKUN, WAHAB UKPAI JOHN, OKWU OLANIYAN BODUNRIN JIDE OMOGBOYEGA YEMI OSHIN OLUREMI KOLAWOLE RAHEEM TAJUDEEN, OLAWALE SULIEMAN OBA, AJIA UKPE ANIETIE JOHN OLANIYAN DOLA ATOKE OMOIGBEDI OPY, ABBA OSHIN CLARIBELLE BOTOSAN RAJI ABDUL QUADRI SUNDAY GEOFFREY ONYEUKWU UKPE TEMITOPE, TOYIN(MRS) OLANIYAN OLUBUNMI OLAYINKA OMOKANYE RAPHAEL, OLADELE OSHINDHINI ADEBAYO RAJI KILANI ALABI ADIO SUNMONU HUSSAFIA KIKELOMO OLAJUMOKE UKPEBOR BLESSED, OSEMHANHIEMHEN OLANIYI DEMILOLA OLAMIDE OMOLE RACHEAL OYINLOLA OSHINGBOYE IBATU ABIMBOLA RAJI MUSBAU, ABIODUN SUNMONU HUSSEIN OYEKANMI UKPONG FRIDAY JACOB OLANIYI TAIWO, MATTHEW OMOMILA FRANKLIN, IKENA OSHOKO OMOTAYO ABOSEDE RAMON OLAYINKA, RAHEEM SUNNET SYSTEMS & DATACOM SERVICES, LT UKPONG SUNDAY, OLANIYI-OLOPADE KASOPE IBRAHIM OMOMOWO OMOLAFE OLANREWAJU OSHOMEGIE AIGBOKHAODE, FRANCIS RAPU NKOYO, ODO SURAKAT ABDUL GANIYU UKWUNNA MARTIN, OLANLOYE KEHINDE OMONDIAGBE SYLVESTER, . S. OSIDIPE OLAJIDE EDWARD RASAKI JAMIU OYELOWO SUTTON AYODIPUPO MICHEAL UMAJIE IPALIBO, PROGRESS OLANLOYE KEHINDE ADEBOLA OMONIJO BLESSING OSIFISAN GANI KAYODE PASSA RASHEED LUKMAN ALABI TADO EKELE, KINCLEY UMAJIE IPALIBO, SOCIAL OLANREWAJU ADEPEJU, ABIOLA O. OMONIYI OLABANJI, ISAAC OSIFO JULIUS, EHIOZE REGENT KNIGHT INVESTMENT LIMITED TAFIDA MUSA BAMANGA UMAMEH FRIDAY, JEREMIAH OLANREWAJU BASHIRAT APEKE OMORO ROWELL EBASEIMOKUMO OSILI BATOKWU, THERESA REMERE AUSTINE TAIRE MOSES, SHILOH UMANAH ISAAC MOSES OLANREWAJU DAVID, OLAYINKA OMORUYI MERCY, CHRISTY AKPEHUAN OSINDEINDE MAJEKODUNMI, ABAYOMI REMI OJEYOMI, & CO TAIWO ABDUL WASIU GBOLAHAN UMAR AHMED, UTARE OLANREWAJU MARY NIMOTALAI OMOTAYO KOREDE, FUNMILAYO OSINOWO ADURAGBEMI A. 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OF LATE ADETUNJI TUGBOBO UMEHA CHUKS IROANUONWU OLASUNKANMI LANRE, OLADAYO KEHINDE OSSAI EMMANUEL, EMEDO SADIKU MUSILIU, AKAANI OMOLAJA THE ESTATE OF ALABI, EBENEZER LAGOKE UMENNAESIE OBUNIKE, OBIORA OLATOSI ADEOLA ONAMUSI ADEDEJI ADEWALE OSSAI OSHIMILI SAFELINE NIGERIA LIMITED THE ESTATE OF IKEH, CHARLES OSITADINMA UMEWUZIE CHARLES, OLATUNBOSUN SUNDAY ONANAIYE OMOLARA, OLUBIMPE OSUAGWU NELSON CHIMEZIE SAFIU AKEEM OLALEKAN THE ESTATE OF INONIYEGHA, FRANCIS UMOELIN ISAAC OLATUNDE YEMI, GBENGA ONANUBI SERIFAT, ATOKE OSUJI CHRISTOPHER, SAINO NIGERIA LIMITED EYEMAJE UMOETUK WILLIE OLATUNJI ISAAC OLUWADARE ONANUGA JESUFEMI FAITH OSUJI JOSEPH OKECHUKWU SAKYENU SYLVESTER AHMADU THE ESTATE OF OGUNBERU, GABRIEL TUNJI UMOH EDEM UDDFIA OLATUNJI OLADAPO ONA-OLAPO J.I.B, OSUKWO CHIAGOZIE, SALAHUDEEN BALQUEES KEMMY THE ESTATE OF OKAFOR, PATRICK CHUKWUEMEKA UMOH EMMANUEL, EFFIONG OLAWALE BENJAMIN, OLRUNNIMBE ONATUNDE AJIBIKE OLAITAN OSUME RICHARD, SALAMI OLANIYI, LUKMAN THE ESTATE OF TAIWO, SUNDAY OLUBUNMI UMORU DAKO PAUL OLAWOLE BUSARI, MOSHOOD ONATURU EMMANUEL OSUNLALU ADEOYE, OLUGBILE SALAU KAYODE, THE ESTATE OF WEMIMO, BAYO UMUKORO FESTUS, EFEMENAH OLAWORE SABURI, ABIOLA ONAWUNMI FEYISOLA ADUKE OSUNSANYA AGUNLOYE II, KOLAWOLE SALAWU BASHIRU LAYEMI THE ESTATE OF ZAMANI, ISHAKU UMUKORO KELVIN, OBUKOWHO OLAYANJU MOJIRADE, IDAYAT ONAYEMI OLUWABUSOLA SIKIRAT ADEBAYO SALAWUDEEN RASAKI AKANMU THE ESTATE OF LATE JOSHUA N. OYABAYO UMUNADE OGHENETEGA, MARVIN OLAYANJU YEKINI ADEMOLA ONEJEME IFEATU, CHINEDU OSUOHA ANTHONY CHUKWUDI SALEH IBRAHIM, ISA THE ESTATE OF LATE MICHAEL, OSUME UMUNNAKWE ANGUS, ADINMA OLAYEMI OLAWALE ISAAC ONI ABEL AYANDO OTASANYA TOLULOPE, KEHINDE SALIHU ABDUL QADRI YUSUFF THOMAS JUDE, UMWENI JOSHUA, EHIREMEN OLAYINKA FUNMILAYO, OLAWUNMI ONI ADEJOBI, OTHMAN HALIMA SHEHU SAMDICKS IND. LTD THOMAS WILLIAMS BABATUNDE UNACHUKWU CHAMBERLHIH, OKWUCHUKWU OLAYINKA OLUFUNMILAYO ELIZABETH ONI TOLUWALOPE OLADAPO OTOBO DAWARIFAKA, SAMPSON NKOYO, EYO THOMPSON MBUOTIDEM, EBONG UNAMMA RAYMOND PAUL A OLAYINKA-OJOTU FUNMILOLA ONIFADE ADEJIMI, OLADELE OTOBOR AUSTIN OKEOGHENE SAMSON CHINYEM THOMPSON SARAT TOYIN UNIMI JONATHAN ENEMAKWU OLAYIWOLA ABD, FATAH ONIFADE AZEEZ, IDOWU OTOKITI FEYISAYO OMOWUNMI SAMUEL AJEWOLE, OLUSEGUN THORPE WALTER OLUWOLE UNOGU UDOKA, OLIAGBA THERESA UJU ONIFADE DIRAN OTSEH ESTHER SAMUGANA CYLINE UMO THRIFT BARN INVESTMENTS LTD. UNUGBOKE LOVETTE, OLIE-SILAS AMAKA, ONIHA SOLOMON OTTIH VINCENT, CHIMEZIE SANDA TAIWO ASANOTU IMORU TIAMIYU BISOLA, MODINAT UNUIGBE EDITH OLIH HENRIETTA, CHINENYE ONIKEKU ADESINA, FATAI OTUFOWORA HAKEEM ADEBOLA SANNI GANIYU, KAYODE TIMIBITEI FRED UNUIGBOJE KOREDE G. OMOUAH OLOBATUYI JOHNSON OLORUNFEMI ONIKOSI BISI MOJOYINSOLA OTUH AUGUSTINE, SANNI SUNDAY, TIMI-LAWAL SULEMON ALAO URHIE EWHOYERURE, JOSEPH OLOFINLUYI JOSEPH, OLORUNSIOMO ONOH GLADYS, OTULANA OLUGBENGA, KAMALDEEN SANUSI ASIMIYU, AKANNI TITILOLA EMMANUEL, KEHINDE URUA INI, JOHNSON OLOGAN OLUMIDE, JOSEPH ONOJAFE EFE ESQ., OTUNLANA BABATUNDE, ABIODUN SANUSI OLANIKE, SILIFAT TOBUN M O T OLAYIWOLA USEH EREZIME ALFRED OLOKUNBOLA ADENIKE, FOLUKE ONOJUGO OBIORA OTUNNI YEMI SANUSI OMOLARA TOGUN MODUPE OMOYIOLA USMAN GIDEON, NACHE OLOMIWE CHARITY, OLUCHI ONOKALA IJEOMA, OVIAWE ALUEBHOSELE SANUSI WALE, KAREEM TOGUN MOJISOLA ADEBAYO USMAN HADEJIA, ALIYU OLOMO B. OMOLARA ONONAIYE OLUMIDE, ADEBAYO OVIE-TEMIAGIN NDIDI-AMAKA, GOODNESS SANWO OLAJIDE ADEKUNLE TOGUN OLUKAYODE, AKINTOMIDE USMAN ISIAKA OLOMO OLUWADAMILOLA OLUWATUMININU ONONOBI PEACE CHIKA OWADAYO IBITOWA KAYODE SANYADE-IBIKUNLE FELICIA O. TOKAN-LAWAL FOLASHADE USMAN JUMMAI BALARABE OLONADE ATINUKE LOLA ONONOWO JOSEPH OLUSEGUN OWARRI MUHAMMAD SAVAGE ABIODUN TOKI ANIFAT, AJIBIKE USMAN TITILOPE, RAHMOT OLOPADE DAVID, OYEYEMI ONOROH CYPRIEL OWATE SAMUEL C SAVAGE ABIODUN ABAYOMI TOKUNBO DANIEL, OLUWATOYIN USMAN-ALFADARAI HABIBU, OLORUNSOLA TOYIN, RAPHAEL ONOVUGHE OVIE, MOSES OWEN NNAMDI, DAVID SAVAGE ABIODUN, NURUDEEN TOMBRI MAKAIVA, ABIOKO USO UBONG, ENO OLORUNTIMILEHIN ALEXANDE, ONU ANIH PATRICK OWIE ISOBOMUWA, STELLAMARK SAVAGE BABATUNDE TOM-GEORGE GODWILL, MESHACK UTHMAN ABDULGANIY, ADEDAYO OLOWODOLA COMFORT OLUSOLA ONUEGBU MARY, ANN .C. OWODUNNI ADEGOKE AHAMED SAVAGE OLUFUNMILAYO O TOMORI OMOWUMI UTOMAKILI BENJAMIN CAPTAIN OLOWO-OKERE ISAAC, KEHINDE ONUEGBU UNIQUE CHIAMAKA OWOEYE FOLABI EBENEZER SAVAGE OLUKAYODE ABIODUN TOTAL CONSULT LIMITED UTOMI EJIME, SARAH CHEKWUBE OLOWU D. OLUREMI ONUMAH EGBADE MORGAN OWOEYE FOLAYEMI OLADIPO SAVEFUNS FARMS ENTERPRISE TOWEH LARRY UTUK EMMANUEL SUNDAY OLOWU SUNDAY ADEDAYO ONUMAJURU ROSEMARY, OWOEYE-WISE ABIMBOLA B. SAWYERR JAMES AKINYEMI TOWER SECURITIES & INV CO LTD -A/C 1 UWAFILI FRANCIS, JUDE NWABUEZE OLOZULU ISRAEL, BRAIYEDESE TIEKIRI ONUMARA ATO LAW OWOLABI ADE, ADETOKUNBO SCOH SIMON, O. TRIDENT RESOURCES LIMITED UWAGBOE OSAMUDIAMEN HUMPHREY OLUBA STEPHEN, ATI ONUOHA EDMUND, OWOLABI AWEDA WASIU SEEDTIME EQUITY FUND TRUEVINEGLOBAL ASSET MGT LTD UWAH BENSON, JOHN OLUBIYI FUNMILAYO ONUORAH ANTHONY CHUIDI OWOLABI FOLA SEGUN-OTA JEREMIAH TUNDE TSADO ESTHER, MAMMAN UWAKHONYE MOSES OLUBODE OLUFUNMILOLA, ABIMBOLA ONUORAH ANTHONY IFEANYI OWOLABI GANIYU AMAO SEMINARY OF SS. PETER & PAUL TUKUR UMAR FARUK UWAKWE RAYMOND, CHINEDU OLUBOLA OGUNLEYE YUSUF ONUORAH FERDINAND, I. OWOLABI OLADAPE, SEMOWO RACHEL, ADETOWUN TUMSAH KASHIM, MUSA UWHUBETINE OGHENEKEWVE ROSALINE OLUBOLADE OLUWATOBA ONUORAH THERESA, AMAKA OWOLABI OLUSEGUN S. SERIKI OLADAPO OLUJINMI UBAH CLETUS, C UWUNG ESHIET DOMINIC OLUBUNMI ESTHER, ONUTA DOROTHY, OGHALE OWOLABI OMOLARAENI, SHAIBU ADIJATU KUBURA UBANDOMA JONATHAN UZOEWULU DANDYSON, BENSON OLUDE EPHRAIM OLUWOLE ONWUBUARIRI VALENTINE CHINENYE OWOLARAFE AJADI, RAFIU SHAIBU JOHN UBANGHA SUNDAY USANG UZOH NOMSO HENERY OLUDIMU JUMOKE, FUNKE ONWUDIWE OGUGUA MACHARRISON OWONAM JOSEPH JOHNNY SHAIBU SUNDAY ANEVERE UBANI GLORY NWANYIOMA UZOKA FAVOUR EBERE OLUDIPE OLUSEGUN, TEMITOPE ONWUEGBNU JIDEOFOR ONWUEGBNU OWONIFARI DAVID ABIODUN SHAKIOYE JEMILAT OLAIDE UBANI-WOKO NDUKA UZOKA JAMES AKWUDINUNOR OLUFADE ABIODUN, CHARLES ONWUGBUFOR REUBEN, IKECHUKWU OWONTE MAGNUS HART SHALOM ACADEMY LTD UBBAONU NNENNA JOY UZOMAH STEPHEN, OBI CHIZUBELU OLUFON ELIZABETH, ADEKEMI ONWUJIUBA MICHAEL EKWEBENA OWOSINA FRANCIS, ADEDOYIN SHANU COMFORT, UBIAGBA KENNETH, OSSAI UZOMBA ALOYSIUS, ANAYO OLUFOWOBI FUNMILOLA, ONWUKA IHUOMA, M. OYADEJI VICTORIA OLUWAYEMISI SHARON YIL NIG ENTERPRISES UBOH PRECIOUS, OYEKACHUWKU UZOMURU MAURICE, CHUKWEMEKA OLUFOWOBI OLUFEMI ONWUKA JOY, NGOZI OYAHANYE SAMUEL, BOLA SHEHU AMINA MACHIMA UCHE EMMANUELLA CHUKWUNOMUSO UZOWIHE CLEMENTINA, NKECHI OLUGBADE KAZEEM, SHOLA ONWUMA FRANKLIN, OYALANA OYEWUNMI SHEHU GARBA, UCHEGBU CHINENYE, EBERECHI UZUEGBU MICHEAL OLUGBEMI CHRISTIANA OLUFUNMILAYO ONWUNALI MICHAEL NGOZI OYALOWO ANOT, OMOTAYO SHEHU SAIDU AWAK UCHENDU CHARITY, NGOZI UZUM NELSON IFEANYI OLUGBEMI GILBERT, ISAAC TOKUNBO ONWUSOANYA AUSTINE, AGODICHI OYARA JUSTINA, AIRIA AMENAWON SHEKONI ADEMOLA UCHENDU RAYMOND UZOMA VERSE 29 LIMITED OLUGBEMI OLUGBENGA OYEWALE ONYE EPHRAIM OYEBANJI OYEWALE, OLUSHOLA SHEKONI GAFFAR, ABIODUN UCHE-OJUKWU NNEKA, ESTHER VIANANA KITCHENER OLUGBODE OLUWASEGUNFUNMI, NKIRUKA ONYEAJUWA UZOMA, BENJAMIN OYEBODE WASIU OYESOLA SHETTIMA KASHIM, UDE ONUORABUCHI VIDJOGNI-JOSEPH JOHN F. OLUGBODI MICHAEL ADEPOJU ONYEAKA HELEN, NNENNA OYEBOLA MUFUTAU, OLANREWAJU SHINKAFI ABDULLAHI UDE RAPHAEL-JUDE, CHUKWUKEREM VINCENT ABIOLA ANTHONIA OLUGBODI OMOWUNMI ONYEBUAGU GLORIA, IJEOMA OYEDEJI ADIJA KEMI SHINKAIYE JOHN, KAYODE UDEAGHA OBINNA VINEK INVESTMENT LTD OLUGH IGNATIUS CHUKWUDI ONYEJI AMBROSE OKEKE OYEDELE JAMES, SHINKAIYE KAYODE UDEALOR JOHN, UZUEGBUNAM VMEDE-OBAHOR ESEOGHENE, OLU-IBUKUN OLUKOYE OLADEJI ONYEJOSE FRANCIS, IKECHUKWU OYEDEPO ADENIRAN, OLUSEUN SHITTU SIMIATU ADEJOKE UDEGBE DORIS IMOBIYE VOGT M E OLUIKPE GODSON, NDUKAKU ONYEKEZINI FAITH CHIEJINE OYEFESO EXCEL OREOLUWA SHITTU SOLA, UDEGBULAM MOSES WAAPELA NINA, PERPETUA OLUITAN ANTHONY ADEYEMI ONYEKWELU ANGELA IFEANYICHUKWU OYEGOKE ABIODUN, RASAQ SHOBOWALE SEMIU, ADESINA UDEH ALPHONSUS, CHIBUEZE WAHAB OLABISI, ADEDOYIN OLUKANNI RACHAEL OLAMIDE ONYEKWERE HILDA, N. OYEGOKE SAMSON, ADEOLU SHODEINDE BABAJIDE TAIWO UDENKWELE CHUKWUEMEKA CYPRIAN WAHEED MUJIDAT, OREOLUWA BOSEDE OLUKOYA OYENIKE, TINUOLA ONYEMACHI ANAYO, ANCELEM OYEKA NGOZ, I .L SHODEINDE MICHAEL, OLORUNSOGO UDENKWO AMARACHI, WAZIRI GOODNEWS BABAMAAJIN OLUMIDE TAOFIK, K. ONYENACHO THEODORE CHUKWUEMEKA OYEKANMI RAMON KOLAWOLE SHODEINDE OLALEKAN UDENNAKA IFEANYI EMMANUEL WECO SYSTEMS INT'L LTD OLUMIDE BOLAJI ONYENANIA JOSEPH UWAEZE OYEKUNLE FRANCIS ABIODUN SHODEINDE OLAOLU ADEGBOYEGA UDO EDU, IME WELLINGTON IMARALU, OLUMOYE AUGUSTINE, OLUWEMIMO ONYENKPA VICTOR, UZODINMA OYEKUNLE MICHAEL, OYELAYO SHODIPO ALICE, OYINLOLA UDO ONYEDINMA ANYA WEST AFRICA PROVINCIAL INS. CO. LTD OLUOBA CELESTINE, OLUBUNMI ONYEUKWU NDIDI, EBERECHUKWU OYELEKE FOLUKE, SHODUNKE AISHA, ABIODUN UDO UDOMA, ADERONKE WHILEY MARGARET, EBERE OLURISHE RAPHEAL, DADA ONYIA OSMOND, TOCHUKWU OYELEYE FUNMILAYO, SHOFOLAHAN MARY, JOKE UDODI CHUKWUBUEZE, WIKINA ENIYE OLUROTIMI OLAWUNMI, MAKANJUOLA ONYIBA HERBERT, NWUBA OYELEYE OYEWOLE, AFIS SHOFOLUWE BABATUNDE, G. UDOFIA ISAIAH, EMMANUEL WILCOX KEVIN, A OLUSANYA OLUWASEUN, A. OPARAODU KINGSLEY CHINEDU OYELOWO RASAKI ADIGUN SHONIBARE OLUWATOSIN, FATIMAH UDOH ABASI ANAMNSAKI SOPHIA WILLIAM DAVID OKON OLUSESI KEJI, FUNMILOLA OPATOLA JOSEPH, OGUNDEYI OYENIRAN ADEYINKA, SHONOWO MICHAEL KOLAWOLE UDOH AFFANG, UNAH WILLIAMS CHIDINMA CHARITY PRINCESS OLUSESI LARYOR OPAYEMI TEMITOPE OLUFUNNTO OYENIYI OLUWAFEMI IDOWU SHONUBI ADEBISI, UDOH CHARLES SEBASTIAN WILLIAMS KOLAWOLE, T.O. OLUSEYI OLUBOBA, OPE KUBURAT, ABIOLA OYENIYI SAMUEL BOLOJOKO SHOPEJU CAROLINE MORENIKE UDOH EMMANUEL AKPAN WILLIAMS LADE, OLUSHINA TAIWO EBENEZER OPEISA DANIEL ALABI OYEROGBA OYENEKAN, ABIODUN SHORINOLU TAIWO, UDOH IKWO JOHN WILLIAMS MACCS CHIMEHURA OLUSHOLA MORUFU, AYODELE OPENE NNAMDI O OYESANYA IDOWU ADEBAYO SHOTE OLABISI, BOLANLE UDOH IME, BASSEY WILLIAMS NSIKAN, UDO OLUSOJI ADENIYI OPEODU OLUFEMI OYESIKU OLAYIKITAN IBILOLA SHOWUNMI NOAH, ENI-ITAN UDOH INIAMA, K0KO WILLIAMS ORIYOMI OLUSOLA ADEKANOLA & CO OPESAMI BOSE, OPESANMI OYESORO RASHIDAT ATINUKE SHOYELE JULIUS OPAFEMI UDOH STANLEY, INI WILLIAMS OYEBISI MODINAT OLUTUNGASE IBUKUN MARGARET OPOOLA MURTALA, KOLAWOLE OYETADE OLUREMI ANTHONIA SHUAIB SHEHU, SANI UDOH STELLA, BASSEY WILLIAMS UWOM EMUGHEDI OLUWA AYISATU, OPUIYO SUNDAY DIDI OYETORO JEROME, SUNDAY SIDI MOHAMMED ABDALLAH UDOH UWEM, SUNDAY WILSON-ADU OLUWANIFEMI, OLUWA SULAIMAN BABATUNDE OPUTE IFEOMA ROSEMARY OYEWOLE JOKOTADE BAMIDELE SIKKA PS UDOJI UCHE, REGINALD OLUWADAMILOLA OLUWADAIRO DAVID ADESIKU ORAKA ANTHONY, ATOYI OYEWOLE JOSHUA OJO SIMON LOHNAN DAVID UDOKWERE UKPONG DANIEL WILSON-ADU OLUWANIMOFE .O. OLUWADAMILARE EBENEZER, O. ORAKA UCHENNA, CHIJIOKE OYEYEMI AKEEM KOLAWOLE SINGSINI RUTH, UDOTUNG EMMANUEL, ETIM WINNERS BAPTIST CHURCH OLUWADIPE MICHEAL, A. ORANYE EMEKA, FRANKLIN OYEYEMI MUKAIL, OLAWUYI OYEDEJI SOBAMIWA OLADUNNI RONKE UDOWOIMA EMMANUEL WOGU CHUKWUEMEKA UGOCHUKWU OLUWADIPE TEMITOPE, JOSEPH ORAZULUME GINA, OYEYEMI OLAYINKA, JOAN SOBAMIWA OLUFEMI 'DIPO UDUEZUE MATTHIAS, NWOYE WOJUADE ESTHER OMOYIADE OLUWAFEMI BOSEDE, RACHEAL OREBAMJO OMOTOLA, ADEDAYO OYEYIOLA ADENIKE, SOBANJO OLUWAKAYODE, UFEBE LAWRENCE WONDERS CHINWE, LETICIA OLUWALADE MOSES, OLUROTIMI (MR) OREBIYI SAMUEL OLUSOLA OYINLOLA KOLAWOLE, ISAAC SOBOLA JESUNFUNIFEMI, MIRACLE UFONDU HYACIENTH AZUKA WOOD ORITSETIMEYIN KOJO VICTOR OLUWALOWO ADERONKE, ADEBISI ORHURHU AKPOPHIRE VINCENT OYOLOLA TIJANI ADEBAYO SOBULO MORAKINYO UFONDU PAUL NWABUNIKE WORLD MISSION AGENCY OLUWASEUN ROTIMI, JAMES ORIAKHI DAVID E OZOLUA DORIS, SOBULO TUNDE M UGBER FELIX, YAKPOGORO REX GEBA OLUWASUSI ADESIMBO, BOLA ORIAKHI FRANCIS, OZONWEKE JOHN, IFEANYI SODE OLUSESAN UGBO RICHARD, YAKUBU BAMIDELE, MICHAEL OLUWATIMILEHIN JOHN(PASTOR)&, SUSAN ORIEKA DANIEL BERNARD OZURUMBA PAUL, NKEMJIKA SOESONS LIMITED UGBOGU MARKLENE CHINATU YAKUBU MARY, ANN OLUWOLE AKEEM, ADEKUNLE ORIHIE ALBAN CHUKWUEMEKA PADONU KOFI, AJAYI SOETAN ADEPEJU ADEBOWALE UGHOJOR THOMAS OKPAKO YAKUBU SULEIMAN OLUWOLE SUNDAY AKINLOLU ADEGBOLA ORISASEYI LOT, OLORUNSUYI PEAKVIEW TUTORS SOFELA MARY, ADEOLA UGOJI NKEM YAKWO BITRUS ISAAC OLUYADI OLUSESAN, ABIODUN ORISASONA ADEGBOYEGA, PECULIAR INVESTMENT CLUB SOFOLAHAN ABAYOMI ABDUL-LATEEF UGWOKE GODWIN OLISA YALOKWU PATRICK ONUWA OLUYADI RASAQ AYODEJI ORIZU OBI, PEDRO OLAKUNLE, RASAQ SOGAOLU TAIWO ABIOYE UGWU CELESTINE CHINEDU IGWEBUIKE YANGA BELINDA, DOUBARA
104 Ecobank Nigeria Annual Report 2010 YANGA EBIYE, L. ADEBO THADDEUS, ADEWALE ADEOYE ADEBAYO, ADEBGOYEGA AFOLABI OLADAPO AKINKUNMI AJAYI-ADJARI AKPO, ALEXANDER AKINWALE KAMORU, ADISA YANGA GEOFFREY, W. ADEBOGUN OLAYINKA, OLATUNJI ADEOYE ADEFISAYO, NDUBUISI AFOLABI SHOLA, MARY AJAYI-OBE ADEOLUWA, OYINDA AKINWALIE CLEMENT YANGA TARI, ADEBOMI OLANREWAJU, ABIODUN (MR & ADEOYE BASHIRU ABIODUN AFOLABI TITILAYO ABOLAJI AJAYI-OBE AINA, GBOYELADE AKINWANDE OLUFEMI YAWALE MOHAMMED MRS) ADEOYE DAVID, ADENIYI AFOLABI WAHEED, SALAU AJEGUNMA ERIC TIJANI AKINWUMI FOLUKE IBIWUNMI YEKINI MORUFU ADEBOWALE OLADIRAN ADEOYE MATTHEW, OKUNLOLA AFOLAYAN JUMOKE, AJEPE ABIOLA OLUDOLAPO AKINWUMI TEMITOPE IBILOLA YERIMA LAURA, S. ADEBOWALE TAYEWO, OLAYINKA ADEOYE OLUWATOMISIN, IFEANYI AFRO ARAB LTD AJIBADE ROSELINE TRENE AKINWUNMI SAMODY, ADISA YINKA SANNI, ADEBOYA OLUSADE ADEPEGBA ADEYEYE AFUBEROH CHRISTOPHER, IKECHUKWU AJIBODU BENJAMIN OLUSEGUN AKINYANJU MILDRED FOLASADE YOUNG ROMANUS USEN ADEDEJI ADEGOKE, TAOFIK ADEPETU OLUKOLADE, ADEMOLA AFUWAPE MOBOLAJI, YETUNDE AJIBOLA IKO AKINYELE IDOWU, YUSSUF SHERIFF MOJIROLA ADEDEJI CHRISTIANA IBIYINKA ADEPO FOLASADE AGA SUOYO JENNIFER AJIBOLA OLUSOLA, BOLAJI AKINYELE OLUGBOYEGA YUSSUFF AYISAT, OLUWATOYIN ADEDEJI FLORENCE OLUFUNMILAYO ADEPOJU ABAYOMI BABATUNDE AGABA UGELE, ISAAC AJIBOSHO TAIWO MONSURAT AKINYELE OLUWAMAYOWA, ODUNAYO YUSUF MUFUTAU OLAJIDE ADEDIGBA MICHAEL, M. ADEPOJU ADESINA ADEWALE AGADA OKWUCHUKWU, AJIBOYE ADEBAYO, AKINYEMI ADETIBA, EMMANUEL YUSUF OLANRENWAJU, ADEDOKUN ADEKUNLE ADEPOJU AKIN, AGADA ONUH, GODWIN AJIBOYE ELIZABETH FOLASHADE AKINYEMI CLEMENTINA MODUPE YUSUF OZOVEHE JOSHUA ADEDOKUN ADENIKE TAWA ADEPOJU SAMUEL ANWO AGAMU UGOCHUKWU, OGADINMA F.C AJIBOYE ISAAC BAMIJI AKINYEMI DAVID OLUDAYO YUSUF SHERIFF, AJADI ADEDOKUN ADENIYI, JIMMY ADEPOJU ADEDAYO MOSES AGANGAN SEGUN, AHIGBE AJIBOYE JAMES, TAIWO AKINYEMI ELIZABETH O YUSUFF MUILI ABIODUN ADEDOKUN SUNDAY, ENOCK ADERELE ADEDAYO AGARIN ABUOVO HELEN AJIBOYE KAYODE, OLUSEGUN AKINYEMI MARTINS, OLUBUKOLA ZADOK PRICE, ABIATHAR ADEDOKUN WAHAB, ADERIBIGBE ADEBISI MORADEUN AGBA EBELECHUKWU, GODWIN AJIBOYE OLUBUKOLA, FOLASHADE AKINYEMI OLANIYI, ZAMANI ANANG, ADEDZWA NGUHEMEN, ADERIBIGBE AKANBI, R. AGBABIAKA ALADE ABIOLA AJIBOYE SAMUEL, OYEKUNLE AKINYEMI SAMUEL KOLA ZAMANI RUTH, ADEEKO ADEBISI ADERIBIGBE JULIUS, ADETUNJI AGBAGWA IKECHUKWU OZOEMENAM AJIDASILE OLUKEMI IRENE AKINYOSADE AFOLABI, OLUROTIMI ZUBAIR ZAINAB, FAVOUR ADEFARAKAN ADEDEINDE THOMPSON ADERIBIGBE SAMUEL OLUWAFEMI AGBAH EDOREH AJIFOWOBAJE PHILLIP, FISHO AKINYOSOYE FUNMILAYO, BOSE ZUBAIRU YUSUF, NAIYA ADEFEHINTI ADESHOLA, ADEBOLA ADERINKO ELIZABETH, OLUKEMI AGBAJE EMANNUEL, DADA DANLADI AJILA FEMI AKINYOYENU FOLASHADE, IRETIOLUWA ZUOKUMOR ADEOLA, BUKOLA ADEFENWA FOLUKE, ADEOTI ADERINTO BOLANLE, M AGBAJE SALAMI OLAYINKA JNR AJIROBA GAFAAR ADEWOLE AKIOYE BOLA, ZUOKUMOR EMONTUGHA, THOMAS ADEFIOYE IFEOLUWA ABIOLA ADERONPE WILLIAMS AGBAJI SALOME, & OCHE AJISEGIRI BENSON AKINLOYE AKISANMI-SAMUEL BABATUNDE OLUSOLA ADEFIOYE OLUWAFUNMILAYO, ESTHER ADESAKIN ADEGBOYEGA, AGBAJOH-LAOYE GLADYS, ORITSEOTYMEYIN AJITENA OLAYINKA OLUWATOMILOLA AKOBI TOCHUKWU, CHINONSO Payment 16 ADEFOLARIN SIMI, GRACE ADESANMI OYINKANSOLA, AGBANA OMOTUNDE AJOKE AJITERU FELIX DEBO AKOBUNDU JOSEPH ADEFULE IGBAGBOYEMI ADESANWO MOJISAYO, OLAJUMOKE AGBEBAKU IMOHIMI, MONDAY AJOKU CHURCHILL, ONYEMA CHINASHA AKOH ANDREW, AKEBE ATTAH A.D FADECO NIG.ENT LTD ADEFULE SOLOMON OLUSOLA ADESANYA AKEEM, ADEGBENRO AGBEBIRE AGBEBINE AJOKU DAVID, UCHENNA AKOJIE JULIUS AYOBORE CARL ABAGU MPALEGHGA AHUR ADEGBIE ADELEKAN ADEROMOLA ADESANYA KAZEEM, ABIODUN AGBEDE CHRISTIANAH, OLUKEMI AJOSE OLABOYE, BABAYEMI AKOKI JOSEPH, OLORUNLEKE ABAH MATHIAS ADEGBIJI SEGUN, ADESANYA MISAN ONESAN AGBEDE JOHN, OLUMIDE AJUKWARA NATHANIEL, N. AKOMOLAFE JOSEPH, FOLORUNSHO ABAH NENCHE, SUNDAY ADEGBITE OLUWOLE, POPOOLA ADESANYA O., ADEDOYIN AGBEGBIYI SAMUEL, ADEWALE AJULO IDOWU FESTUS AKOMOLAFE OLUKAYODE, OLAIYA ABANA DANIEL, UCHECHUKWU ADEGBITE RAFIU ISHOLA ADESANYA STEPHEN, ADEDOTUN AGBETOBA RASHEED A.O AJUMOBI EMMANUEL, ADE AKOMOLEDE A.K, ABATI OLURANTI, CORLENIUS ADEGBOLA EMMANUEL, KAYODE ADESANYA ZAINAB SHANUOLA AGBO AKPA MARTINS AJUWON OLUGBEMIGA, ISAIAH AKOMOLEDE AMOS, OLUMIDE ABBAS ACADEMY, ADEGBOLA RASAK AYOMIDE ADESEGHA ELIZABETH OMOLARA ABOSEDE AGBO UGONMA, EGWU AKA WODI, EJIKE AKOR GLORIA, ABBEY UZZIAH DENNIS ADEGBULU ADEMOLA, ADESETAN OKEKUNLE, ADEROJU AGBOFODE DANIEL GWEDJOME AKAHARA DARLINGTON, EBUKA AKPA FAVOUR, ABIODUN OMOLADE ABBEY HART REGINALD, OWUTUWO ADEGEBO ANTHONY AKINTOYE ADESHINA ADEMOLA, ADENIYI AGBOGUN BAMIDELE, AKAHOMHEN CELESTINE, AKPAKA KALU, OKENWA ABDUL- KAREEM, A. ATANDA ADEGOKE FOLAKE, AYOBAMI ADESIDA YEMISI, MARY AGBOIDE CHRISTOPHER, ABIODUN AKALEME CLIFFORD CHUKWUNYERE AKPAKPAN UDO JAMES ABDUL OLADOTUN, ADEGOKE KEHINDE O. ADESINA ADEBUSOLA ADEOLA AGBOLA CATHERINE OLUWASEUNRE AKAMONYE FELIX, (REV FR) AKPAKWERE LOVINA JOSHUA ABDUL OLUSEGUN, AROGUNDADE ADEGOKE OLAWALE O. ADESINA JOSEPH ADE AGBOMABIWON ADEDEJI, ADEOLA AKANBI GBENGA, OLUWATOBI AKPALA EDITH, UGO ABDULAZEEZ FATIMA, ADEGOKE VALENTINE, OMOLOLU ADESOGAN SAMUEL ADEDAYO AGBOMIYERI OCHUKO, AKANBI TITILAYO, SALAMAT AKPALA PATRICIA IFEANYI ABDULKADIR ADEPEJU, OLUWAFUNMBI ADESOKAN RASAQ, TUNDE AGBONA TOLU, AKANDE ABIMBOLA, KEMI AKPAN AUGUSTINE UDOIKPA ABDULKADIR LARAI, FATIMAH ADEGUNLE BOLATITO TITILOLA ADESOLA FLORENCE, FOLAKE AGBONIEI NOSAKHARE, NELSON AKANDE OMOLADE, RACEAL AKPAN COMFORT ABDULLAHI GARBA, BABATANLE ADEGUNWA IBRAHIM, BIDEMI ADESOMI KAZEEM, AGBONIFO JOY, NGOZI AKANDE PAUL, ADEBAYO AKPAN EDEM, TOM ABDULLAHI HADIZA, ABUBAKAR ADEJOBI ADEREMI, ADESOMI MOSHOOD, KEHINDE AGBONIFO PAUL, OSA AKANJI ABIDEMI AKPAN EFFIONG JONAH ABDULLAHI HARUNA ADEJORO OLUROTIMI ADEIYE ADESOYE LATEEF, ALADE AGBONLAHOR OSAGIE AKANMU OLUTOYIN, ADEDEJI AKPAN ESTHER, ISAAC ABDULLAHI MAKARFI LAWAL ADEJORO PAUL PHILIPS ADESUWA NOSA-OGIE, AGBOOLA OLANREWAJU AKANNI ELIZABETH, YEMISI AKPAN INEMESIT WILLIAM EFIONG ABDULLAHI UZAIRU, ADEJUGBE ABAYOMI KELVIN ADETAYO DEBORAH, OLUWAKEMI AGBOOLA OMOLADE ALICE AKANNI GHANIU DOSU AKPAN JEREMIAH SUNDAY ABDULMALEEK ABDULRAHEEM DANGA ADEJUGBE ADEOLA ADETAYO OLUFUNKE, ADEAYO AGBOOLA YETUNDE, RASHIDAT AKANNI-SHELLE FOLASHADE-AZIZAT, AKPAN MFON OKON ABDULRAHMAN-GARA HASSAN, ADEJUGBE AYOMIKUNLE ADETILOYE ELIZABETH OLAYEMI AGEH MAMUZO, AKELE IHINOSEN FAITH AKPAN MIKE UDOH ABDULSALAM ABDULKADIR, ADEJUGBE BENEDETTE BOMA ADETILOYE ELIZABETH OLAYEMI AGHARANYA FAITH, CHIZARAM AKELE PAUL, AKPAN UBONG, KINGSLEY ABDULZEEZ NURUDEEN, OLUSHOLA ADEJUMO ABIKE, OLUBUKOLA ADETIMIRIN SAMUEL, IGE A. AGHIMIEN OSARENMWIENDA, AKEREDOLU ABOSEDE ABIMBOLA AKPAN UBONGABASI NSE ABEGUNDE-WILLIAMS MODUPE IYADUNNI ADEJUMOBI SHODIPO, OMOLARA ADETNUJI ADEKUNLE MUSTAPHA CHRISTOPHER AKEREDOLU FELIX OLUROTIMI AKPAN VERA, KING ABEL EZEKIEL, ADEJUWON OLUMUYIWA, ADETOBA ADEDUNNI YEMISI AGIANAKU CLETUS, SHEIDU AKEREDOLU-ALE AKIN, AKPEKE UNOMA FLORENCE ABEL PRECIOUS EJIRO ADEJUWOU JULIUS, OLUWASESAN ADETONA ADEGBOYEGA OMOTAYO AGIRI MUHAMMED, TOHEEB ROTIMI AKEREWUSI JOSIAH, DIMEJI AKPENEYE M.O, ABER NESE ADEKANBI ADENIKE, ADETOYE KEHINDE ADEROJU AGOCHE JOSEPH EKWOTE AKHALUMENYO PHILIP AKPERI GBESIMI, DAULTRY ENGR. ABIANDU GILBERT AZUBUIKE ADEKANBI OLUBUNMI, AFOLAKE ADETOYE SARAH, ADETOLA AGOHA NKEIRUKA, ISABELLA AKHIDENOR PATRICK, EHIDIAME AKPILE JOSEPH OBUKOWHO ABIBU ADEKUNLE, ADEKANMBI ADEDOTUN, AJIBOLA ADETULA STEPHEN, ADELEKE AGOMOH NKEM, AKHIGBE OMOJALE, RICHARD AKPODEHE AGNESS, ABIDING MINISTERS EMPOWERMENT CMS ADEKANMBI STEPHEN, BABATUNDE ADETUNJI FELICIA, MOTUNRAYO AGONO PETER, IDACHABA AKHIGBE ROLAND, A / AKHIGBE JULIET I AKPOKE MONDAY, LTD ADEKANMI KEHINDE, ADEYINKA ADETUNJI OLUFEMI, AGONTA JOSEPH, ONOCHIE AKHIMIEN DAVIDSON, ISIBOR AKPOKEDEFA ONAJOHWO, EMMANUEL ABIJA-RAMOS ZEINAB OLANREWAJU ADEKANOLA MAYOWA, ADEBISI ADETUNJI SUNDAY, AKIN AGORO ABDULRASHEED, MOSHOOD AKHIMIEN OFURE, HELEN AKPONYE FIDELIS IHEDIOHANMA O. ABIMBOLA AYODELE, OLASUBOMI ADEKOJE DAPO, ADEUSI GBENGA, AMOS AGORO SHUAHEEB KOLAWOLE O. AKILO TOLUWALOPE, O.I & ADEBOLAJO T. 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AHMADU ABIODUN KEHINDE AKINGUGBE SAMUEL AYODEJI ALABI LANRE, ABU YUSUF AMUDA ADELEGAN ABIMBOLA GBOLADE ADEWUYI NAJEEM KAYODE AHMED ADO .A AKINJOLA JOSEPH AKINKUNMI ALABI NASIMAT, BOLAJOKO ABUAH ISIOMA, PATRICIA ADELEGAN SAMUEL AFOLABI ADEWUYI TINUKE AHMED BABA YUSUF AKINJOLE ADEBAMI, ALABI OLUWOLE, ABUBAKAR ALIYU MARAFA ADELEKE ADEBAYO, ADETUNJI ADEYELE ABAYOMI MAUTIN AHMED ISAIAH, OLUWASHINA AKINKUGBE OLUSOLAPE OLUBUNMI ALABI TIMOTHY OLUWAFEMI ABUBAKAR IYA ADELEKE ADESHOLA, ADEYELURE FREDRICK, IDOWU AHMED YUSUF, AKINKUOLIE JACKSON AKINROPO ALABI-OYO FEYISAYO OLUWAPELUMI ABUBAKAR JOHNSON TIJANI ADELEKE BAMIDELE DAVID ADEYEMI ADEDOJA, ALABA AHMED ANGULU FATIMA AKINKUOTU OLUWAYEMISI, ALADE JOYCE, OMOTAYO ABUBAKAR NANAFATIMA I. ADELEKE BAMIDELE DAVID ADEYEMI AREMU, BASHIR AHMMED ABUBARKAR GAREA AKINLABI ADEKUNLE ENITAN ALADE SAFIU, ADEYEMI ABUDU OLAYIDE AL-MOROOF ASELA ADELEKE BOLAJOKO, ADEDAYO ADEYEMI BEATRICE, EBUN AHUMIBE ELEAZER, FRANK AKINLADE BABAWALE AKINGBAMI ALADEGBAMI ADEMUWAGUN ABUDU WAHABI ADEBAYO ADELEKE HAKEEM BOLAJI ADEYEMI MOHAMMED, ADEYINKA AHURA JOYCE MNGUNENGEN AKINLADE BENIAH, AYOADE ALADEKOBA IBIRONKE ABULU EVELYN, IBHADE ADELEKE OLUFUNMILAYO, ADEYEMI OLUTOSIN, JOSEPH AIGBOGUN DAVID A AKINLADE FEMI AKANJI ALADENIKA ADESUMBO, ADEBANJI ABUMERE ARABOME, AUSTIN ADELEKE OLUFUNSO, ADEYEMI OLUWAFUNKE, OMOLOLA AIGBUZA HENRY, INEGBENOSE AKINLAJA PRECIOUS, AYOMIDE ALADEOTAN OLANREWAJU, ZEPHANIAH ACAKPO MATHIAS ADELEKE OLUROPO, CHARLES ADEYEMI SAMUEL, ADESANYA AIGHALUA JACOB, ABULMEN AKINLOLU HEZEKIAH OLUSEGUN ALAGBARIKA DAVID, DAENE ACHAYI GABRIEL DUNG ADELEKE SAHEED, ADEYEMO ADELEYE, ANDREW AIL SECURITIES LTD-DEPOSIT A/C AKINLOLU TAOFIKAT, ADENIKE ALAMBA OGHONNAYA CHRIS ACHIBIRI OKWU EMEKA ADELEKE TITILAYO, T. ADEYEMO ADEMOLA MICHEAL AIMIUWU LUCA, FRED AKINLOSOTU CLARA OMOLARA ALAMS JUDE ACHINIVU CHIDINMA, JUSTINA ADELEKE WAHEED NIYI ADEYEMO BABAJIDE ADEBANJO AIMUAHONSA FELIX, AKINLOTAN TIMOTHY, OLUSEGUN ALAMU ABIMBOLA, ABOSEDE ACHO TERUNGWA, ADELERE ADEBARE, MATHEW ADEYEMO OLUSEGUN, BOLA AINA BABATUNDE ADEBAYO AKINLOYE OLUWAPONMILE, ALAMU RAUF OLOYEDE ACHU GOODNEWS, I. ADELESI MARGARET OLUDOTUN ADEYEMO SAMUEL OLUSOLA AINA BOLA, ANN AKINMUSIRE OLADUNJOYE ISAAC ALAO EMMANUEL, OLUWATOSIN ACHU GOODNEWS I. ADELEYE JAMES OWOLABI ADEYERI ADESOJI, ABRAHAM AINA MICHAEL OLUSEGUN AKINNAGBE RAPHAEL, EBUN ALAO-PETERS DANIELA OFUFEKE ACHUA HELLEN, B. ADELEYE JIDE ADEOLA ADEYEYE AREMU MATTHEW AINA MICHAEL, OLASUNKANMI AKINNAWONU AKINTAYO, OLABISI RICHARD ALASI OLANREWAJU, SAHEED ADAGBA COMFORT SESI ADELEYE JULIANAH, M ADEYEYE OLUROTIMI ADEYEMI AINA OLANREWAJU, FELIX AKINNAYAJO CALEB OWOYELE ALAWIYE MOSHOOD ABIODUN ADAH AGBA, CHRISTOPHER ADELEYE MODUPE OMOWUNMI ADEYEYE OLUROTIMI, ADEYEMI AIRA TECHNOLOGIES LTD AKINNUOYE ADEYEMI, ADEREMI ALAWIYE U, MOJIROLA ADAJI ABUBAKAR, ADELEYE ZAINAB, AYOMIDE ADIBUA JAMES, NDUBUISI AIRIOHUODION ESTEEM OSEODION AKINNUOYE OLAYINKA JOSEPHINE ALAWODE OLUSESAN, OMOTAYO ADAKA CHRISTIAN, ADELORO STEPHEN, OLUWASANMI ADIE UNDIANDEYEY, SYLVESTER AISOSA WINNER, AIDEYAN AKINOLA FOLASHADE, N ALBARKA BULUS, SARAKI ADAMOLEKUN FEHINTOLA OLAYINKA ADELU ADEMOLA, ADEMOYIWA ADIGUN BENJAMIN, ABIMBOLA AIWERIOBA IMARHIABE RITA AKINOLA OLUMUYIWA, ALEX-THOMAS FELICIA, FELICIA ONYEWU ADAMS OMOZE STELLA ADELU TOYIN, OMOWUMI ADIGUN RASHEED, AIYANKHEBOR GODWIN-OGBEIDE, AKINOLA OLUWAKEMI MARY ALFA AMINU, ADAMSON ADEDAYO, JAMES ADEMISOYE ADEBUSUYI, AKANDE ADIGUN SUNDAY, AMOS AIYENUYO OLUSHOLA, OYEWOLE AKINOLA OLUWEMIMO DORCAS ALFA SIMEON ADAMSON AKEEM OLUSOLA ADEMOLA AKANDE, ADIGUN TEMILOLUWA, ANUOLUWAPO AJADI ADEBAYO OLANREWAJU AKINOLA OMOTAYO, ALI DANLAMI, ADAMU ISA, IBRAHIM ADEMOLA OLUWABUKOLA AJOKE ADIGWE M C AJADI ADEBAYO, OLANREWAJU AKINOSHO EMMANUEL OLUWALERE ALI EMILY, ADAMU MOHAMMED, BAPPA ADEMUWAGUN ADEGBOYEGA JAMES ADIGWE MARTINS, AJAEGBA PAUL, OGHENE-ROBOR AKINPELU ADENIKE BOLANLE ALIGWEKWE EMMANUEL, CHUKWUEMEKA ADAMU SARAH I ADENAKAN NATHANIEL ADIGWE NKEM, AUSTIN AJAGU-OGBADIM CHIKE, PETER AKINPELU BOLATITO, AYISAT ALIH NOAH ADAMU USMAN, ADENEKAN SUNDAY, AKINLAWON ( MR & ADIGWE WILLIAMS, BISHOP AJAH DAVID AKINPELU RAMON OLADOSU ALIH SUNDAY, ADA-OBOT ARIT, ANTHONIA MRS) ADILI CHRISTOPHER, UCHE AJALA MICHEAL, OLAWALE AKINPELUMI THOMPSON, USIOLA ALIKOR EMMANUEL AMESI ADARALEGBE ADEBAYO ADENIGBA ABAYOMI, ADIM VINCENT, CHIGOZIE AJALA OLUWAKEMI ABIGAIL AKINPELUMI THOMSON, ALIMI OLUSHOLA OLABODE ADARAMOLA FUNKE, ROSELINE ADENIGBA FELICIA, FUNMILAYO ADIMULA ADEFUNKE CECY AJANAKU ADEDEJI OLUFEMI AKINRIMISI MOBOLAJI, EVELYN ALIMSON FAUSAT, ABIKEADE ADE FEMI, LANRE ADENIGBA ISAIAH, ADINDU DANIEL OKECHUKWU AJANAKU OLUKUNLE AKINRINLOLA MORAKINYO ALIMSON TAWAKALIT TAIWO ADEAGBO OMOTOLA FLORENCE ADENIGBA OLAJUMOKE, ADIO ADETUNJI, OLAYIWOLA TAJUDEEN AJANI ISMAIL, OLATUNDE AKINROTOYE OLAFUSI, PATRICK ALISA AMANZE F. ADEBAJO ADETOKUNBOH ADENIJI EKUNDAYO, ADEYEMI ADIO MAKINDE MUHYDEEN AJANI JOHNNY, ADEYOJU AKINSANMI-SAMUEL BABATUNDE OLUSOLA ALIU PAUL, ADEWALE ADEBAJO BOLAJI ADENIJI MOHAMMAD TAJUDEEN ADESINA ADIO-MOSES ADETOKUNBO OMOWUNMI AJANI OLUWAMBE, TAIWO AKINSANYA ADAMO, ALIYU DANJUMA AHMED ADEBAJO F A ADENIJI OLUWAKEMI, RISIKAT ADIONE JULIET OLUCHI AJAO OLUWATOYIN, RAHEEM AKINSANYA CATHERINE OMOREMI ALIYU MUSA AGANA ADEBAYO ADEMOLA, ADENIRAN ADEGBOYEGA TEMITOPE ADISA OLAJIDE PAUL AJARI DOLAPO, IDAYAT AKINSANYA JOSHUA, OLU ALIYU YARI MATO ADEBAYO ADETUNJI, ADENIRAN FADEKEMI ABIKE ADIUKWU CHARLES AJATTA JOSEPH JAIYEOLA AKINSANYA KOFOWOROLA, FELICIA ALIYU ALOMA IDRIS MONDAY ADEBAYO ADEWALE, MOSHOOD ADENIYI ADEKUNLE, OYEYEMI ADJUWHERU AFOKEOGHENE AJAYI ADEBOLA AKINSANYA MARTIN, & CHARIS (MR & ALKASHIM ISMAIL, ADEBAYO ADEWOLE, EBENEZER ADENIYI GBENGA, ADOGBEJI LUCKY GOLD AJAYI BABATUNDE, TOLULOPE MRS) ALKASHIM KHADIJA, ADEBAYO FOLASADE TEMITOPE ADENIYI OLUGENGA, PETER (EVANG) ADOM FLORENCE AJAYI BOLA, DOLAPO AKINSIMOYE AYOMIDE MOTUNRAYO P. 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LTD.- TRADED-STOCK-A/C ADEBAYO GANIYU OLANREWAJU ADENIYI TAIWO, MODUPE ADU OLU, PETER AJAYI ESEOGHENE, BOSE AKINSUYI OLASUMBO, IBITOLA ALLI DOROTHY DUMNODU ADEBAYO LATEEF OLUFEMI ADENIYI TOKUNBO ADEMOLA ADU VICTOR, AYODELE AJAYI EUNICE ABIOLA AKINTAJU ABIODUN TEMITOPE ALLI MUSA, MAIROGO ADEBAYO LYDIA ADENIKE ADENOLA DAMILARE, ADENIYI ADUBA NGESINA, C ODIARI AJAYI FOLA, DEBORAH AKINTAYO FUNKEYI ALLI OLUWOLE ADEBAYO MOLOLUWA ADENRELE ADIO, ADUKU HUSAINI AJAYI FOLUSO ADEBAYO AKINTELURE BERNARD, BUNMI ALLIANCE AND GENERAL INSURANCE CO ADEBAYO OLANIKE ADEPEJU ADENUGA KEHINDE, ADEBUSOLA ADULUGBA FRANCIS, JULUIS AJAYI HELEN, OLUWAYEMISI AKINTILO OLUWATOYIN, SERIFAT LTD ADEBAYO OLUSEGUN, BOLANLE ADENUGA YEWANDE ADERONKE ADUWAT MUSA, AKYAN AJAYI MUSA, MAIYAKI (ALH.) AKINTIMEHIN CAROLINE ADEMITAN ALLIANCE CAPITAL MANAGEMENT CO. LTD ADEBAYO TITILOPE, L. ADEOGUN YEMISI, MERCY AFANGIDEH EKAN MICHAEL AJAYI MUTAIR, ADISA AKINTOBI AKINTUNDE & OMOWUNMI ALLIED OIL&GAS VENTURES LTD ADEBESIN OLUSEYI, OMOLAJA ADEOLA GANIYU, OLAJIDE AFELUMO MIKE, KEHINDE AJAYI OLAJIRE, OLUWAFEMI (MR.&MRS.) ALLIED TRUST INVESTMENT LTD ADEBISI BUKOLA, SAIDAT ADEOLA JIMMY AKIN AFN BROKERS UNLIMITED AJAYI OLAYINKA MOSUNMOLA, NEE ABE AKINTOLA AMOS OWOLABI ALLISON SEMIU OKANLAWON ADEBISI OLOLADE, ADEOLA OLADELE, ADEBUNMI AFOLABI ADEKUNLE, ADEYEMI AJAYI OLUSEUN, OLUMUYIWA AKINTOYE ADEMUYIWA, OLUSEYI ALLIYU SIKIRU BUNMI ADEBIYI ABDUL WAKEEL, A. ADEONIPEKUN ADESANYA EMMANUEL AFOLABI ADEREMI, BASIRU AJAYI OLUWASEYI, OLUKOREDE AKINTOYE BABATUNDE ALMON LIMITED ADEBIYI AKINPELU, PETER ADEOSUN OLAWALE, EZEKIEL AFOLABI CHARLES OYEYINKA AJAYI OLUYEMISI, OMOSOLAPE AKINTOYE RUFUS AJIBOLA ALO LANRE, ROPO ADEBIYI OLUWAKEMI, ADEDAYO ADEOSUN OLUFEMI, ADEDAYO AFOLABI JOHNSON, ADESISI AJAYI SEFIYA TITI AKINTUNDE AKANBI ADESANYA ALOBA OLANIYI, EZEKIEL ADEBIYI TAIWO, OLUFUNMILAYO ADEOSUN STELLA TITILAYO AFOLABI KAYODE AJAYI SOLOMON OLATUNDE B. AKINTUNDE OLUBISI, ALOHAN EDWIN, ADEBO OLUWOLE ADEMOLA ADEOSUN TEMITOPE, TEMILOLA AFOLABI LETEENA ATULE AJAYI YEMISI AKINWALE ABAYOMI, AKINLOLU ALOKAM EMMANUEL OBINNA
Ecobank Nigeria Report 2010 105 ALOM FREDERICK, ABBA AREYENKA OMERESAN, AYUBA FLORENCE, IYABO BOLADALE MONSURU GBOLAGADE DANTUMBISHI MUHAMMAD, EGBAGIRI MABEL, ALONGE OLUWADAMILARE I. ARHETE LEO EHIGIATOR AYUBA IYABO FLORENCE BOLA-KUKU OLUWASOLA ABDULHAMEED EGBE GODWIN, UCHENNA ALONGE OSBELT, OSAMWONYI ARIBANUSI AMOS, SUNDAY AYUBA RONKE, BOLANRINNDE ROTIMI, DAPHONE INVESTMENTS LIMITED EGBE LILIAN ABIODUN ALONGE SAKA, ISOLA OLATUNDE ARIGBEDE OLUWASANMI, MOSES AYUWA NICHOLAS BOLARINWA FEMI, DARE FUNSO EGBE PLINY UCHECHI ALONGE VICTOR ADEKUNLE ARIGIDI PETER, ISIMPA AZEEZ ABIODUN JIMOH BOLARINWA KOLAWOLE KAZEEM DARUHUM OTHNIEL, DAGWOM EGBEDELE MODUPE, ABIODUN ALOTU CHIDIEBELE ARIKO INVESTMENT LTD AZEEZ ABIOLA, IYABO BOLAU DANIEL, DICKSON DASHE MOSES LOHFA EGBEDI ISLAND AGHOGHO ALOWONLE HAKEEM, OLADEINDE ARIKPO BEN, OYIEMEKE AZEEZ GBENGA, ISIAKA BOMS CHRISTOPHER TASIE DASILVA-DOMINGOS TINA FEYISAYO I. EGBEH DOMINIC ADECK SAMBO ALPHA BENEFITS ENTERPRISE ARINZE AKUNME MIKE AZEEZ ISKILU, BOMS FYNA NWOBIAREIRI DAUDA BELLO AZO EGBERONGBE OLATEJU RASAQ ALUGBIN SAMUEL ADEREMI ARINZECHI IKENNA, TOCHUKWU AZEEZ RAUF, KOLAWOLE BONSU NANA, OSEI DAUDA YOHANNA, MUGUNTA EGBEWOLE WAHAB OLASUPO ALUKO OLABISI, AMOKE ARISUKWU GEORGE UGOCHUKWU AZEEZ WAHEED ADEBAYO BONUOLA LADE DAVID E, MOSIMABALE EGBEYEMI FUAD, ABIODUN ALUKO OLATUNDE, ISHOLA ARIYIBI BABATUNDE, RASHEED AZOGU CALLISTA, CHINEZELUM BONUOLA OLOLADE DAVID ISAA, EGBORGE SIVBENOJA SYLVESTER ALUKO RHODA, BOSEDE ARLYN VENTURES LIMITED AZUARU SOLOMON BOSPAF NETWORK LIMITED DAVIDS HARMONY TRUST LIMITED EGBUATU KELECHUKWU, PAUL ALUYI EMMANUEL, IYOBOSA ARO VICTOR OLADUNJOYE AZUMA EVAN, IFEOMA BOT DUNG DAVID-WEST MAYNE, EGBUAWA IFEANYI AMADI INNOCENTIAN CHINYERE AROGUNDADE CAROLINE, OBY BAADARANI MANAR BOTT ELIZABETH, EBERE DAVIES ADEWUYI, ADEDAPO EGBUCHU ISAAC NDUWEZE AMADI JOYCE, AROGUNDADE JAMIU, BAADI CHARLES, IFENWEOGE BOURDILLON ABIEYUWA UYI DAVIES JOSEPHINE, EGBULE AUGUSTINE IFEANYICHUKWU AMADU ABUBAKAR, AROH IKECHUKWU, LIVINUS BABADELE AYODELE OLU BOWLES ANTHONY JOHN DAVIES-JONES ARNOLD EGBUNA FRANCIS OJIMMA AMAEFULE OKECHUKWU PATRICK AROH REUBEN CHIDOZIE BABAFEMI OLUMIDE, GBENGA BOYO MOLA, DAVID DAWODU ABUDU FARIU O EGBUNAM OGOO, AMAEFULE UGOCHUKWU, AROJO WURAOLA, BABAH OCHUWA ADIKETU BOYO-EKWUEME HELEN ADEYINKA DAWODU GANIYU, OLAWALE EGBUNE VICTOR IFY OSENWOKWU AMAKA FLORENCE, AROMEH JAMILA PATIENCE BABALOLA ESTHER YINKA BRAIMAH VICTOR, ADEJOH & HAUWA DAWODU OLAYINKA IBITOLA EGBUNIWE KINGSLEY, EZEEGBUNAFOR AMALU LONGINUS, AMAECHI AROMIWURA ADELE ADEREMI BABALOLA OLAWORE LIADI VICTORIA DAYISI MARDHIA OLUFUNMILAYO EGBUONU ASOMBA, ANDREW AMAMCHUKWU OKWUDIRI, ARTHIABUAH ANTHONY KOFI BABALOLA TEMITOPE, OLUWASEUN BRAIMOH LUCKY, ANDERSON DE-CANON INV.-TRADED-STOCK-A/C EGBUSINWA JUDE, AMANA AGATHA IYE ARTHUR PATIENCE EDET BABANGIDA AHMED, ALHAJI BRAIMOH MODUPE, OSA DEFWAN ESTHER, V. EGEH BEN, EPIPHANUS C. 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EJEGI HAROLD OLUFEMI AMOSU MUKAILA ASIKAGBON ELLIOT, OMENLIMEN BAKARE ADEYEMI AKINTAYO CHATEAU INVESTMENT & PROPERTIES LTD DIVINE NOBILE - FAITH VENTURES EJEKOR EDODI, UKAM AMOSUN COMFORT OLUFUNSHO ASIKHIA ISHANLOSEN, FAVOUR BAKARE AGBOOLA, GABRIEL CHHKWUEMEKA DAVID DODO FATIMA, LAMIDO EJENAVI EDWARD AMOSUN IBIKUNLE ASIWE MICHEAL, O BAKARE AKANBI GANIYU CHIEDO PROMISE, CHINONYE DOGARI BAKO, EJETA EDITH, EDIDJANA AMU OSMOND, NDUBUISI ASOGWA KATE, CHINWENDU BAKO SUNDAY, DIBEN CHIEMEZIE EDWIN, ONYEBUCHI DOGHO M.M, EJI NNENNA, AMUJO BABS, OLUSOLA ASOLUKA STELLA, AKUDO BALA RHODA CHIGBOROGU HANSEL UGOCHUKWU DOMA DANAZUMI, JOB EJIAKU PRISCA, CHIBUZO AMURE PAUL OLATUNDE ASOMUGHA UWEMEDIMO EDET BALARABE ABDULLAHI, CHIJIAKU CHIBUIKE, DOMINGOS GEORGE R.S EJIKE CHIOMA AMUSAN ABEL, ADENIYI ASONYE ANTHONY BALCOM ROYAL SUITES CHIKAOKAFOR PRINCESS EZINNE, NKEM DOMINION TRUST LIMITED EJIKE DAMIAN, N. 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LTD EJIKO FEMIAYO, AMUTA EMEKA IHEANYI SCH BALOGUN ADEWALE CHIMA MWANYINMA DONLI HADIZA MARY EJIMOGU SAMUEL, ONYEKACHI ANABA CHESTER, NKECHI ASU JANET BESSONG BALOGUN ADIJAT BUKOLA CHIME ALPHONSO, EZIEKEZIE DON-OKHOUFU CHINYERE A/C MFP EJIOFOR CALISTA UZOAMAKA ANAELE REMIGIUS OBINNA ASUGUO EFFIONG, VICTOR BALOGUN AHEWENBORA GODDAY CHIMENTA PATRICK NNABUIKE DOSUMU HANNAH NNENAYA EJIOGU CHINOSO, BRIGHT ANAH NNEKA, NGOZICHUKWU ASUNI ADEDOYIN BALOGUN COMFORT, ABEBI CHINDA ANGELA, CHISAH DOSUNMU ARAMIDE IDOWU EJIOHUO MICHEAL OVUNNDA ANAKA OWUNA SOLOMON ASUOHA CYPRAIN CHUKWUEMEKA BALOGUN EVELYN, OMOLADE CHINDAYA JUMMAI, ADAMU DOSUNMU SULEIMAN, EJIWUNMI FEMI ANAKUDO IGNATIUS, EKWUNIFE ASUQUO JOSEPH, OKON BALOGUN GRACE SHUBUOLA CHINEKE MATTHEW, DOUGAN KIKE ARMANDO EJIWUNMI OLUBISI MORADEKE ANALO CHRISTOPHER ASUQUO OKON, ETIM BALOGUN MUYIDEEN, GBOLAHAN CHINONYERE PRECIOUS, CHIBUZO DOUGLAS AERE GEORGE EJOKAOGHENE DANIEL, ANAMALI EMMANUEL, IKECHUKWU ASUQUO VERONICA EDET BALOGUN NURUDEEN AKANBI CHINWEUBA CHINELO, ESTHER DOWLAND OMOWUMI, FATIMO EJOMARIE KENNETH, ANANGA ANIEKAN, JOE ATANDARE OLAWALE, JOHN BALOGUN OLADAYO CHIONUMA OLORUN KEMI DUBLIN-GREEN DAVID POLA EJORH CHUKWUEMEKA, JOSEPH ANANWUNE STANLEY, CHIKEZIE ATAWHE JOSIAH, BALOGUN OLALEKAN, AKEEM CHIONUMA O NWAKPE & CHIONUMA C., DUMBO WILFRED, TUBOUEBI EJUE PRECIOUS, ANCHOR-MARIC NIG.LTD ATE GIDEON, ATIM BALOGUN OLAYEMI SHERIFAT NNENNA DUNKWU KENNETH, CHUKWUNENYE EJUKONEMU ROLAND ANDREW JULIE ATEGU JANET, IYO BALOGUN OLUWAKEMI, CHIONYE PROGRESS DUNSIN NOAH, OLUSEGUN EKA BASSEY, OKON ESQ ANDZENGE STEVEN, ATIM TERNGU(MR, AND MRS) BALOGUN OMOGORIOLA MONSURAT CHIORI J, .O DUNTOYE JOSEPH OLALEYE EKA VICTOR, ANEKE ROSALINE MINIKA ATIOMO NGOZI, MAUREEN BALOGUN OYINDAMOLA, OLUSOLA CHIORU UDUNMA, ONYINYE DUROJAIYE ABDUL-FATAI EKANEM AFFIONG ANIEDI ANEME EMMANUEL CHINEDU ATITEBI FOLORUNSHO, MOROOFDEEN BALOGUN RASHEED OLAREWAJU CHIRA MAKUACHI, NNAEDOZIE DUROJAIYE EZEKIEL OLATUNDE EKANEM GREG, EKANEM ANEMELU JUDITH, CHIDIMMA ATKINSON N., NATH BALOGUN SUNDAY, OFAH CHRIST (ANG) CHURCH, MAPO DUROJAIYE OLUWATOYIN, ADEJOKE EKANEM MFON, NDO ANENU ALBERT OBERA ATOLOYE ONABUKUNOLA OLUBUNMI BALTIK INDUSTRIES LTD CHRIST THE SAVIOUR (ANG) CHURCH(I.O.A.I) DUROJAYE OLUMIDE, EKE ALEX, ALLEN ANENU ANGEL OARE ATOYEBI AYODELE, OLUSEGUN BAMGBOSE AYODEJI ANTHONY CHRISTAIN ISAAC, ANYALISI DUROSANYA SULAIMON, OWOLABI EKE CATHERINE OBIAGELI ANENU BENJAMIN ATTA IBRAHIM OLUSEGUN BAMGBOSE BENJAMIN, AKINOLA CHRISTOPHER OLUEBUBECHUKWU, DUROSIMI OLATOYE, ADIO EKE NSI ANENU PATRICK EDETAEN ATTAH AKPOWO, PAUL BAMGBOSE JULIUS, FEMI BLESSING DUROWADE FLORENCE OLUYEMISI EKEAGU CHUKWUNWIKE, ANGUU NASIFAT, ATTAH JUDE IKECHUKWU BAMIDELE KAMALDEEN ABIDEMI CHUGBO GRACE, EBUBECHUKWU DUROWADE OLUWADARE EKEAGU OKECHUKWU, JOHN ANI DANIEL OZOEMENAM ANI ATUMONYE CHRISTOPHER, BAMISILE BOYEDE, RUFUS CHUKS-AJUNWA JEAN, CHINEDU DURU BASIL, O. 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BANIGO OMIENYE CHUKUIBI SUNDAY, DURU NGOZI NKECHI EKECHUKWU FIDELIS OSONDU ANI MAUREEN, NNENNA AUL-MKU MARGARET, BANKOLE ASAFA, ISOLA CHUKWU BENJAMIN DZAMA MANASSEH, SILAS EKECHUKWU NWODIBO, FELIX ANIBABA KAYODE BOLARINWA AUWORHO HENRY, BANKOLE LAWRENCE ESAN CHUKWU CHIJIOKE, E EBE EMMANUEL EKECHUKWU SYLVESTER, ANIBI OWOLABI, ADESEGUN AVOTRI KUDZO CHARLES BANKOLE MICHAEL KEHINDE CHUKWU JOHN EBEDE CHINYELU NWAELUTU EKEH AZUKA, CHARLES ANICHEBE JACOB, IFEANYICHUKWU AVURU OJUNEKWU, AUGUSTINE BANKOLE-WRIGHT ATIYEKEBA IYIAGOGO CHUKWU JOYCE, UGOCHINYERE EBENEBE ARINZE, CHUKA EKEH LINDA, CHIKA ANICHEBE OBIORA, JOHN AWA JEMA NNENNA BARAYA SAIDU, IDRIS CHUKWUEDE LIVINUS, EBEYE DENNIS, CHUKWUMA EKEKWE MARY, NJIDEKA ANIE EMEKE MARSHAL AWE DAVID, OLATUNDE BARDI JOYCE, CHUKWUEKE UGO, CHISOM EBHOERA SAMUEL, EKELECHUKWU CHIDI, CHARLES ANIEKWE CHRISTABELL, N. AWE OWOLABI EMMANUEL BARRAH VINCENT CHUKWUEMEKA ORJI, CHIDOZIE EBHOTE PEPPER-BROWN, EKENG KINGSLEY, ANIH GODWIN, AMUEHE(RAINBOW) AWE TEMITOPE, BASIRU HABIB, AJADI CHUKWUEMEKA SAMUEL CHIKELU EBIA KINGSLEY, EDEM EKENYERE OKECHUKWU, ANIJEKE CHUKWUEMEKA SHEDRACK AWE COMMUNITY BANK NIG.LTD BASOENE IBIBA, HARRY CHUKWUJIOBI ELOCHUKWU EMMANUEL EBIHOMIELEN EDO, ANDERSON EKERENDU OKON ANTAI ANIJEKE OKEKE, SHEDRACK AWHUA RESOURCES LIMITED BASSCOMM NIGERIA LIMITED - - CHUKWUKERE CHRISTOPHER, ARINZE EBIHOR OBA, WILSON EKESIAH CHINEDU, AMBROSE ANIMASHAUN FATAI ABAYOMI AWHURU HELEN, OVUAKPORIE BASSEY ANTHONY JUDE CHUKWUMA AFAMEFUNA, ALBERTINO EBIHOR ONOME ISREAL EKEWECHE JOSEPHINE, IFEANYI ANIMASHAUN OLUSEGUN ADEWALE AWODEIN NDIDIAMAKA CHRISTINA BASSEY EKPOABASI OKOKON CHUKWUMA GIDEON SUNNY O. EBIKEME UTSEORITSEWAJU ADE EKONG EDEM JOHN ANIMASHAWUN MUSILIU ADEDEJI AWODEIN OLUKEMI AYODEJI BASSEY FRANCIS, EDET CHUKWUNEKE CHIJINDU KINGSLEY EBIKWO GRACE OJOCHIDE EKONG EKAETTE PAUL IMAIKOP ANIVIN NIG LTD AWODELE JOHNSON ADEBAYO BASSEY GLORY JUDE CHUKWUNYELUM IKENNA EMMANUEL EBIMAMI AMINA EKONG JOSEPH, STANISLAUS ANIWETALU UCHENNA, AWOEESO ABIODUN BASSEY INYENE, NICOLE CHUKWUNYELUM IKENNA, EMMANUEL EBIRENI ESIME, GBABOYOR EKOP JOYCE ENO ANJORIN EKUNDAYO, OMOJOLA AWOFODU JULIUS, ABAYOMI BASSEY OFONME EMMANUEL CHUKWUNYERENWEN BENJAMIN, EBISI INNOCENT, EKOTT PAUL EDET ANOKWU KELECHI, AWOJOBI ABIODUN, ADETOLA BAYA CHUKWUNONYENIM, T.J. CHU-NWOSU OBIAGERI, ANGELA EBOHON FAITH, EKPEMANDU JOSEPH N ANONYAI OSAHAENYE AWOSANMI OYELOWO, RASHEED TEMITAYO BECKLEY JOHN ADEREMI CITY CODE SAVINGS AND LOANS LIMITED EBOIGBE VICTOR, IJEH EKPENDU GABRIEL ENWEREJI ANORUO PAUL CHUKWUKA AWOSANYA ABIODUN, SEFIU BELLLINI AMADIO, CITY EXPRESS FINANCE EBONG MICHALE, ASUQUO EKPENYONG BASSEY EDET ANOSIKE JOY, OKWUCHI AWOTUNDE DANIEL ABOLAJI BELLO ABASS, MOFOMOSARA KOLAWOLE CLASSY COMMUNICATION NETWORK LTD EBONG UWEM DANIEL EKPIN ISRAEL, ESSIEN ANOZIA MUNA CANDID NZERIBE AWOTUNDUN JOSEPH OLATUNDE KAYODE BELLO ABDULRAHAMAN CLEMENT AZI, AMEEN EBRENDU KERIAN, CHUKWUEMEKA EKPO EKAETTE ANOZIE EUGENIA, OLUCHI AWOWOLE OLUGBEMIGA AKINLOLU BELLO ADERONKE KUDIRAT CLIFF-AGBAEZE AMARACHI CHRISTABLE EBULE OJIJOME FELIX EKPO ELIAS, IGHOVODO ANTHONY KOLAWOLE CLAUDIUS AWOYELE KAYODE, BELLO ADUKE, OLUFUNMILAYO COINS AMES LIMITED EBULE OJIJOME, FELIX EKPO FRANCIS, BENJAMIN ANTHONY OBAFEMI ABIODUN ADETOUN AWOYEMI BOSUN BELLO AHMED RUSA COKER GENESIS, ESUENE ECHEAZU ONYINYECHUKWU, MICHELE EKPO IHEANYICHI, CHIKEZIE ANUMU PETER AWOYEMI OLANREWAJU BELLO HABIBA OMOWUMI COKER OLUWATOSIN, ECHEGHANDU FAVOUR, AMARA EKPO PETER OKON ANYA UGWU, UKA AWOYEMI OLUSOLA BELLO JAMAL, MOHAMMED COLLA-TARIAH PAKIRIMA, ECHEGWISI NDIDI, ONYEKA EKPO IMEOBONG DAN, EKPO JOSHUA ANYADIKE MARTINS, IFEDILICHUKWU AYABINA PATRICK, KINGDOM BELLO KAMALDEEN, IDOWU COMPASS INVESTMENT & SECURITIES LTD ECHO SECURITIES & INV. 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BELLO SEGUN, OLAKUNLE CREATIVE MARKETING SERVICES EDEM IME ASUQUO EKWERE MACKENZIE INEMESIT ANYALEWECHI SUNDAY, AJAERO AYEGBUSI OLUSEYI, BELLO ADAMU MUBASHEER CROWN FLOUR MILLS LIMITED EDEM WISDOM EKWO NDON EDEM ANYANWU DOROTHY, ONUHUMMA AYEKU BODE BABATUNDE BELO ATINUKE, OMOLARA CTC GLOBAL VENTURES EDEMATIE DELE NKEM EKWUEME ADAEZE UDOKA ANYANWU EMMANUEL, JOEL AYEMENRE LOVE-ENDURANCE, EHINO BEMAN INVESTMENT NIG LTD CURTIS OLAIDE KEHINDE EDERAMRERIARE OBOMEJERO, SOLOMON EKWUEME ARINZECHUKWU ANYANWU HENRY ONYEBUCHI AYENI JACOB OLA BEN HART JOSEPHINE DABALE WEHNAM, PETER EDET ANIEDI, EFFIONG EKWUEME GODWIN, ONYEMACHI ANYANWU KRISSX, U.E. AYENOR ISAAC OKPAKO BENJAMIN ORIAZELE, CHRISTOPHER DADA FAOSAT MOJIRAYO OREDOLA EDET BENJAMIN, OKON EKWUEME HELEN THERESA ANYANWU LEONARD, CHUKWUMA AYEWOH CARLA, BENSON AMUDAT MORAYO DADA GARBA MUSA EDET OFONIME, OKON EKWUNIFE JOE, BILLY ANYANWU PASCHAL ANYANWU AYILARA ADEDAMOLA WAHEED BENSON BABAJIMI DADA JONATHAN OLALEYE EDETH MAGDALENE, EKWUTE EJIKEME IGNATUS ANYANWU PATRICIA, AMARACHI AYINDE BAKARE, KAREEM BENSON SEZNO DADA OLUBUNMI, EDEWOR BERNARD ELACHI EDWARD IKWUOCHE ANYANWU ROWLAND, IKENWA AYINLA ADENIKE BEPO SAMUEL, ADELEKE DADA SUNDAY EDEYARU IKPONMWOSA, ELAKAMA ANNETTE, ANYANWU TIMOTHY, NDUBISI AYOADE AKINADE OLORUNFEMI BETHEL AKACHUKWU DAEKYNX NIGERIA LIMITED EDHERE PAUL UVIOMO ELAYO MARTIN AGBO ONYATIKPO ANYANWU TOCHUKWU, EMMANUEL AYOADE AYOSINA, SULAIMAN BFCL INVESTMENT, A/C DAHUNSI OYEWOLE, LAWRENCE EDHUGHE MICHAEL ATEMUMEVO ELEGBE MITCHELL OLUSEGUN ANYANWU UCHENNA, CHIJIOKE AYOADE HAMMED BHADMUS LANRE, DAHUNSI TAIYE, ADEMOLA EDIKE ADINEBO ELEMCHUKWU BENJAMIN, NNAMDI ANYANWU WILLY, EJIKE AYO-BAMISILE AYOMIDE, GIDEON BHADMUS TAOFIKY, ADERIBIGBE DAIYIM SAMUEL-HORSFALL, EDITH UWANYEREMGWU ORJI ELEMOSHO BASHIR ANYAORAH FREDRICK .E. AYODELE IROEGBUNAM, OLUFUNKE NKECHI BICARC INTERNATIONAL LTD DALEMO KAYODE, SILAS EDOGIAWERIE GRACE, ELEMOSHO KABIR ANYIAM NNADOZIE, CHIDOZIE AYODELE JOSEPH, KAYODE BIMADE INVESTMENT & RESOURCES LTD. DALHATU SHE SHEHU LADAN EDOZIE CHIBUNDU NKEM ELESO ADEMOLA APEL ASSET AND TRUST LIMITED AYODELE MAJEKODUNMI BIOBAKU GABRIEL OLAFARE DAMINI MIUDUMANI EDOZIE ROSELINE IFECHUKWUDE ELETE FLORA, APILOKO UFUOMA, FRANCIS AYOGU CHINEDU, OLIVER BIRMA MUSA, DAMOLEKUN ADEOLU, DICKSON EDU ROTIMI ELIMAN ONEHIOBHEN INES APIR REBECCA, NGUSEER AYOGUEZEJA BLESSING CHINEMERAM BISIRIYU SUBEDATU, BOSEDE DAN IDIONG, EFFIONG EDUN ADELEYE KUBURAT ELIMIMIAN MERCY, ITOHAN ARANMOLATE OLUSEGUN, AYOGUEZEJA FAVOUR CHIDERAH BISIRIYU-SALAM RISQAT, AMOKE BOLANLE DANBABA HAJARA AYA, EDUN OLUWAFEMI, JOHN ELLAH SUNDIATA, OBUCHUKWULAKA E. ARAUSI-EGHOVEH ONEIGHO, SKITTY-WHITE AYOGUEZEJA GODWIN CHUKWUDI BISONG PATRICK, ENEH DANBOYI SUNDAY, ABUTU EDUWAMA AUGUSTINE, ABBA ELUGBADEBO LAWRENCE, OLADEPO ARAWOLE OLUGBOYEGA AREMU AYOGUEZEJA JOSHUA CHUKWUKA BMF BUREAU DE CHANGE LTD DANGO YUSUF, EDWIN VICTOR, EFE OKOR ELUJIDE ESTHER, AREAGO OLUWATOMISIN, ZAINAB AYOGUEZEJA PRECIOUS CHINWENDU BOATENG OSAFO, BISMARK DANIA AWUJOOLA, EDWIN EMMANUEL CHUKWUNONSO EMEANU BENEDETTE U. AREBAMEN YOUNG EMMANUEL AYONOADU WILLY ESAU BOBO UGOCHI, NUELA DANIEL CHIDI, CHRISTIAN EDZOA ONANA BILOA FELICIEN PAUL EMEDO CHRISTAIN, AYINOFU AREBUN GABRIEL EWANLENFOH AYOOLA AYOBANJI OLUROTIMI BOF CYBER CAFE NIG LTD DANIEL KINGSLEY EMEM EFEIZOMOR EMEKA, EMEH OBED NNAEMEKA AREMO WILLIAM, BOLAJI AYOOLA GBOLAGBADE BABALOLA BOGUNJOKO ABIMBOLA, OLUSEGUN DANIEL LUCY, EFFIONG EDET, BASSEY, EMEKA EMMANUEL AREMU DAUDA, ADEDOKUN AYOOLA OLUFUNMILAYO MARY BOGUNJOKO TEJU, DANLADI PATIENCE, KAKUSHIO EFFIONG IMAUKOH, IMOH EMEKA NGOZI, REGINA AREMU SAMSON, OLUTAYO AYORINDE BABAJIMI, OLUBUKOLA BOI-ASIKOKO ONYEISI, PETER DANLAMI YA'AQUOB, ALHASSAN EFIONAYI ANNE SOLOMON EMELIKE CHISOM KAMISIROCH WILLIAM AREMU-COLE MERCY, AYUBA DANIEL OLUWADARA BOLA ANTHONIA, TITILAYO DANMOLA LATEEF, OLALEKAN EFRESO UBONG, AKPAN EMESSIRI HENRITTA
106 Ecobank Nigeria Annual Report 2010 EMI CAPITAL RESOURCES LTD-DEPOSIT A/C EZIKE CHRISTOPHER GEORGE GODWIN SUNDAY IDOKO JAMES AUDU TRDG JOLAOSO MOYOSORE, ADEDAPO EMIATOR KINGSLEY EZIRI EMEKA, MICHAEL GEORGE GRACE, IDOLOR ENIWHOAREKE, FRANCIS INTERCONTINENTAL FINANCE & INV. LTD JONAH CHARLES, EMIKO GODFREY, EZUGWU VIVIAN, UKAMAKA GHANI MUJAB, AKANGBE IDONIJE GABRIEL, INUWA HAFIZ, MOHD JONATHAN MARY EMMANUEL IRENE OLUFUNKE EZURUM OSUEKWU MICHAEL GIDADO MAJIDADI, UMAR IDOWU ADEDOTUN, PAUL INWANG ROSEMARY, UDUAK (MRS) JOSEPH DINA, EMMANUEL KOLA FABOYEDE ADEYEMO ABIODUN GIDAUNIYA INV.& SEC.LTD-TRADED-STOCK- IDOWU ADEGOKE, INYAMA VICTOR, O JOSEPH LYDIA, ADENIKE OLURAMILOWO EMOKAH LILLIAN, NWANNEKA FADARE ADEJUMO, ADIO A/C IDOWU ADENIKE OLUYEMISI INYANG ASUQUO, EDET JOSEPH MADUBUCHUKWU, OKAEGBU EMOKAH NKIRU, GLORIE FADARE ENIOLA B GILBERT PEARL, EVELYN IDOWU BOLA, ASISAT INYANG EMMANUEL ENO JOSEPH OKACHI, EMOKPAE PIUS, OSADOLOR FADARE FATAI, ADIGUN GIWA ABIMBOLA, O. IDOWU CATHERINE, O. (MRS) INYANG EMMNAUEL, IMEH JOSHUA PATRICK OLANLE EMUCHAY NDUWUISI, IROATGHUMERE FADARE TITILAYO, FAVOUR GIWA RAMOTA APINKE IDOWU GBENGA, THOMPSON INYANG IME, SYLVESTER JUDE JENNIFER, MUNADUMSO EMUH VINCENT FADAYIN OLUWATOYIN, MARY GOFWEN NEMMAN WILLIAMS IDOWU OLADOTUN LATEEF INYANG PATRICK, OKON JULISAM ENTERPRISES ENAJERPO LOVETTA, A. R. FADIPE BABALOLA, ISRAEL GOMBEJO MOH'D BAKARI IDOWU OLAWOLE OLUWAFERANMI INYANG UWEM, ANDREW JULISAM ENTERPRISES ENAKPODIA VINCENT-DAVID, ERHURUVIE FADIPE EMMANUEL, SUNDAY GOMEZ ADUKE BEATRICE IDOWU OLUWAROTIWA OLUWANIFEMI INYANG VICTORIA, JULIUS ADEREMI, ABIYE ENANG ESEME ETIM FADIPE ETHEL OLAMIDE GOWON SARATU TANI KANKEMWA IDOWU OLUWASOLAPE OLAIDE INYESE ANTHONIA, JUMBO SO-OWUNARI WILLIAMS ENAOHWU AUGUSTINE AGBEYIGBUN FADLULAH IDREES, OLASUNKANMI GOWON VICTORIA HANSATU IDOWU RAZAK AYODEJI IPADEOLA ABIODUN BUKOLA JUYITAN CLEMENT ADE ENE CHRISTIAN, EJIKE FAFOWORA OLUMIDE, OLALEMI GRACELAND ASSETS MANAGEMENT LTD IDOWU SAMSON, DELE IPADEOLA OLAJUMOKE, NIHUN KADE ZEBULON BABATUNDE ENE ERNEST DEREFAKA FAFUNWA-ONIKOYI P. I. GREEN ELDRED 1 IBIBIEM TITUS IDOWU SAMUEL OLUSOLA IPENKO MORE, DAN JOS EMMA KADRI ADESHINA, OSAZE ENEBI NATHANIEL, NIMI FAGBAMIYE AYODEJI OLAKAYODE GREEN IYALLA, IDRIS IBRAHIM, LIMAN IPINSAGBA OLAJIDE EMMANUEL KAILA HARUNA, ENOKELA OCHEINU JOHN FAGBAMIYE AYOTOLA ALABA OKE GREGORIO INVESTMENT/PROPERTY IDUOZEE BENEDICTA, UWA IRABOR MARTINS, EHIS KAITELL EMILY AYODELE ENONA NIGERIA LIMITED FAGBAMIYE AYOTUNDE TAIWO GROBEST INT'L VENTURES LTD. IEI ASSETS LIMITED IRENROA OLATUNDE KAJEBORA DIYA AKANNI ENUEZIE LAWRENCE, IFECHUKWUDE FAGBAMIYE OLATUNJI ARABAMBI GTB/LIGHTHOUSE ASSET MGT LTD - TRDG IFEANYI UGWUJA, IREWUNMI BABATUNDE IDOWU KALAGBOR SUNDAY OKECHUKWU ENYASHI RICHARD, FAGBELU ADEMOLA, GTBANK/PRIMEWEALTH CAPITAL LTD - TRDG IFEANYI-OKORO SYLVIA NECHI IRHEREN MERCY KALDAPA JUMMAI, THERESA ENYENIHI OYONG, JACOB FAGBEMI SAMSON ADE GTEN INVESTMENT & TRUST LTD IFEJIANYI NICHOLAS, ONWUEGBUNA IRIBHOGBE KAREN OMOYE KALEJAIYE CHRISTIANA YETUNDE ENYIDIA CALISTUS C NNAA FAGBO PEDRO OLABIYI GUARANTY TRUST BNK/TOPMOST FINANCE- IFEKWEM MODETUS CHUKWUEMEKA IRIOGBE DAVID, JNR KALEJAIYE SUNDAY, ADEFOLUKE ENYIDIA CHARLES NNAA FAGBOHUN ADUNNI, OMOLOLA TRDNG IFEZULIKE IFEANYI .C IRIRI MERRY OLANREWAJU ENYIDIA HYACINTH U NNAA FAGBOHUN OLABISI, GUOBADIA KATE, OSAMEDE IFON TOM, ETUKUDO IROAMACHI OKECHUKWU, KALU EGBU UKEGBU EPUNEM VICTOR, EBERE FAGBONGBE IKUMAPAYI OLASUNMBO GWADABE TAJUDDEEN, IGBEKA CHUKWUEMEKA IROJAH FEMI, KALU EMMANUEL, CADGON EQUITABLE TREASURE SERVICES FAGOROYE MODUPE, AYODELE HAASTRUP ISRAEL ADEMOLA IGBEKELE EDWARD, OLAKANMI IRONDI MERCY G. KALU NWOBIARA EZIYI EQUITY INVESTMENT SERVICES RESOURES LTD FAJANA BABATUNDE ADENIYI HABIBU KABIRU, ISA IGBELINA-IGBOKWE NKIRU IRONO NKECHI, FIDELIA KALU ROBERT IBIE ERAKPOTOBOR EMMANUEL, OJOTOBATCHE FAJUKE OLAYEMI KEHINDE HABITAT GUEST HOUSE IGBEN ANDY, IMANRIAGHE IRUOHA GRACE KALU SAMUEL, CHUKWUDI ERAZUA IZIEGBEAYA FIDELIS FAJUMO MICHAEL, ADEBAYO HAKEEM-BELLO OYEKEMI, AMAMAT IGBEN OGHENEKOWHORHO ISAAC CHIMBI AYISHA KALU SAMUEL, ONUWA EREGOBA CHARLES TEKE MICHAEL FAJUYI(IFE) FRIENDS MULTI PURPOSE COOP HALADU MOHAMMED MUNNIR IGBINEVBO ERNEST, ISAH MOUKTAR YAHAYA KALU-ANYAH ANYAH ERESIA-EKE ESOR FAKAYODE OLUSEGUN HALLIDAY NENGI, IGBINOBA LUCKY NORMAL ISAH NAZIRU, LAWAN KAMADA RAPHAEL ERETE ADIKWURU, OTUOMASIRICHI FAKEYE EMIOLA, HAMIS ADAMA BAMAYI IGBOAKWE AKACHUKWU OKORONKWO ISAH SULE, SOLOMON KANE VICTORIA ERHAZE LUCKY, FAKOYA JUSTINA, EBUNOLUWA HAMMED KEHINDE, GANIYU (ALH.) IGBOANUGO IFEOMA GLORIA ISAH SULEIMAN KANIKWU JUDITH KANIKWU I. ERHIRHIE ONOME, FELICIA FAKSON VENTURES HAMMOND CHARLES, IGBOBHIO JOSEPH, ISAMOTU MOSHOOD OLADEPO KANO JOSHUA, ADO ERHIVWOR BENSON, SALAMI FAKUADE OMOTAYO HAMZA ADEJOKE, MEDINAT IGBOELI JOEL UGOCHUKWU ISANG EMEM PAUL KAREEM OLUSEGUN, ERIAMIANTOE DORIS, FAKUNMOJU OLADELE, HAMZA AMINU, IGBOKOYI RISIKAT ADEPEJU ISEME AMBROSE, OTU KARIEREN OGHENETEGHA, BENEDICT ERIKITOLA ,BAYO FALADE MARY, BOLA HANIDU MARIAM, AYOTUNDE IGBOKWE BLESSING, NWAMAKA ISHMAEL ABIMBOLA, KARIKARISEI EBIERE, AUGUSTINA ERNEST AMARA, GRACE FALE ADEKUNLE HANSON EUNICE, IGBOKWE BRIDGET ORIENMA ISHMAEL AYODEJI KARUNWI ABISADE EROGBOGBO YETUNDE, FALEYE FOLORUNSO HARBOR BLESSING IGBOKWE CHINEDU SAMUEL ISHOLA BASHIRU, ABAYOMI KARUNWI ADELUOLA, EROKWU EDITH, NONEY FALEYE OLUSOLA HARRIS-EZE BENEDICT ONYEKA IGBOKWE REGINA, CHIZOMA ISHOLA ELIZABETH, TITILAYO KASALI DEBORAH, OLUBUNMI ERONDU ANTHONY, OTUTU FALEYE OMOTAYO OLUWASEUN HARRISON BABAJIDE BERNARD IGBOYI TAIWO, TAIWO MARY ISIAKA SHAKIRAT TOYIN KASSIM AMINAT, OLAMAYOWA ERONINI EMENIKE ELEAZER FALOKUN OLADAYO KAYODE HARRY ISAAC OKON HARRY IGE BABATUNDE ADEDAPO ISIANI ANTHONY, NWACHUKWU KASSIM SULEIMAN DANBARKA ERUAGAN OTAROGHENE FALOKUN OYINDAMOLA HART AUSTIN, IGE FUNMIKE, O. (MRS) ISIBOR LAWRENCE OJEKHERE KAYODE ANIBARA ASSOCIATES ERUKUNUAKPOR VICTOR, UFUOMA FALOYE OLANREWAJU HART JOYCE, T. IGE ROTIMI, JACOB ISIBOR UKINEBO, OMOROWA KAZ N., NATH ERUOTOR RUKEME, DAVID FALOYE OLAYEMI, HARUNA SHAAIBU, IGENE DANIEL, OLUWADAMILARE ISICHEI SAMSON NGOZI KAZEEM IDIAT, OLUBUSOLA ESHIET EFFIONG ASUKWO FAMAKINWA JOSEPH OKE HASSAN ISIAKA, AWEDA IGHARHA KESIENA, OGHENOVO ISIDIENU IFEOMA, HENRIETA KAZIR ADAMU DUGUM ESHIGBALE JONBULL FAMAKINWA OLADAYO FESTUS HASSAN MUSA, OLALEKAN IGHEKPE INNOCENT IMOAPE ISIEKWENE MIKE, ONYELO KEFFAS GRACE, ESI GRACE OREVA FAMODIMU OLUSEGUN, HASSAN OLUKAYODE IGHODALO OYEDO, ISIJOLA ADE MICHAEL KEFFI STREET MGT LTD ESIBENNE STELLA BOMA FAMORIYO AKINYEMI ADIGUN HASSAN YEKINNI OLATUNJI IGUNDUWASSE CATHERINE, TERDOO ISIP ETUK THOMPSON KEHINDE-AKINDELE WASIU, ADIO ESIEN MARGARET OKOKON FAMORIYO HENRY AKINPELU HASSAN ALI ALIYU KHAMA IGWE ALEX ONYELANKA ISIWELE GODFREY, OSAKPONO KELEKO FOLASADE, ESIGIE ELOHOR FAMORIYO SABAINAH MOPELOLA HAYFORD ADERONKE, OLAOLU IGWE EDWARD CHIBUZOR ISMAIL MAROOF, ABAYOMI KELLY JACK PETER ESIMAI MONYELU SAMUEL FAMUTIMI FEYISOLA, OLAMIDE HENRY ABIMBOLA, VICTOR IGWE EMEKA, GABRIEL ISMAIL TUNDE KENESSE NIGERIA LIMITED ESIMENE OSCAR, EDET FAMUYIDE GBEMISOLA, MORONKE HERITAGE STEEL CO LTD IGWE KELECHI, COMFORT ISREAL &, IJEOMA UKA MR & MRS KEN-NELO INVESTMENT AND INDUSTRIES LTD ESIN JOAN AFFIONG FAMUYIWA ISAIAH ADEWALE HINDATU MOHAMMED, IGWE KINGSLEY, CHINEDU ISUJEH EDEKI, FEMI KESHINRO CHARLES OLUFEMI ESOTU CHIJIOKE, FRANCIS FANIMOKUN OLUSAYO, AYOTUNDE HIS PRESENCE SUPPORT LIMITED IGWEZE UGOCHUKWU MICHAEL ITODO CHRISTIAN ATHANASIUS KEZIE EZE LAMBERT ESS STAFF INVESTMENT FANU OLUWATOYIN HISOVIMIK NIGERIA LTD IGWUBOR TAIWO, ADEJOKE ITOPA J, ABDULAZEEZ KIBIYA INUWA, ALI ESSIEN BENEDICTA, UWEM FAO-MAT COMMERCIAL COMPANY HOAKLAND VENTURES NIGERIA LTD IGWUILO GREGORY ANAKWE ITORO AKWERE, IKPAHA (MRS) KILADEJO AGNES, FIBI ESSIEN EKONG NKEREUWEM FAPARUSI MICHAEL, OLUBUNMI HONNETE CAPITALS LTD IHEAGWAZI FESTUS CHUKWUDI ITRECHIO JOHN KINGSLEY KILADEJO VICTOR ADESIMBO ESSIEN MARTIN M. FAPOHUNDA AKIN HOSSENI NATIQ, AKOREDE IHEAKA KATE, OYIDIYA ITUA JOSHUA, KINGSLEY BASSERY, ESSIEN SYLVAR FAROTIMI AJIBOLA, MARY HOTONU SENAMI, EWA-OLUWA IHEANACHO DURU, FELIX IWARA CYRIL, UROM KINYOMI BABATUNDE OLAYIDE EST. OF OKELOLA AJOKE FAROUQ ASABE, MRS. HUGHES AUGUSTINE BANDELE IHEANACHO PASCAL, IKECHUKWU IWENOFU ANTHONY NONYELUM KOJO HENRY ESTATE OF AKINOLA, SAMUEL ADEMOLA FASAKIN BENSON, AKINTOLA HUTHMAN ABIODUN, TAJUDEEN IHEASI PHILOMINA, OKWUCHI IWERIEBOR FLORENCE ADI KOJO IFEYINWA AGARTHA-CHRISTIE ESTATE OF LOUIS IBETO, CHUKWUEMEKA FASAKIN SUNDAY, ABAYOMI HYACINTH STELLA, UGOEZE IHEDIOHANMA BRIGHT, UCHENNA IWERIEBOR.E EHIEDU E.G KOKOGHO IGHO, DANIEL ESTATE OF LATE OYEKAN, TUNJI FASASI KASEEM IBANGA EFIONG AKPAN IHEKWEAZU EDOZIE, & CHIKWE IWUCHUKWU AMBROSE NNAEMEKA KOLADE MODUPE GRACE ESTATE OF LATE ADERIBIGBE ADEYEMI FASASI-BANJOKO ALICE, OLUTAYO IBANGA MARTHA, KALU IHEKWERE CHIKEZIE, JUSTIN IWUCHUKWU OZICHI JULIANA KOLADE SAMUEL ADEBOWALE ESTATE OF MUYINAT SHOMADE FASHOLA FATAI ROTIMI IBAZEBO IYABO, OBUWEYA MABEL IHEKWOABA FRANKLIN IWUEZE MAURICE, ADIELE KOLAJO MOSES OLUBAYO ETADUOVIE DAVID FASINA ABIMBOLA, OLABISI IBE ANTHONIA, UKACHI IHEME ONYINYECHI, ROSE IWUEZE NGOZI, ANTHONY C KOLAWOLE ARINOLA, JUMOKE ETALUME EMMANUEL O FASURE SOLA A.E IBE CHIDINMA, PERPETUAL IHEMELU AZUKA, OBIAGELI IWUOHA DEBORAH(JNR) KOLAWOLE DAVID, SAMUEL ETENG EGWU, EDET FATAI AZEEZ, KOLAWOLE IBE DOMINICA, CHIDINMA NGOZI IHEMELU BENSON, NDUBISI IWUOHA SILAS IFEANYI KOLAWOLE JOSEPH, OLUWADARE ETERIGHO GRACE, OGHENEYOLE FATBAK ENTERPRISES LIMITED IBE MICHAEL, CHUKWUKA IHIDERO IDOWU SAMUEL IYALLA KAINE D KOLAWOLE OLATUNBOSUN, ABIODUN ETETA-ITA EMMANUELLA, FATOBERU ISAAC AYOBAMIDELE IBE OGBONNA, DAMIAN IHS (NIGERIA)LIMITED IYAMU OSARHENOGA, SOLOMON KOLAWOLE OLUWASEUN, DAVID ETIM EMMANUEL, OKON FATOKI OLAJIDE, OLASUPO IBE ONYINYECHI, IHUNANYACHUKWU JONAS, JIDEDIAN IYAYI HERBERT MONITIE KOLAWOLE WALE, LIMOTA ETIM VICTORIA, OLUWAYEMISI FATOKUN OLUYEMI, IBEABUCHI CHIDOZIE ENRST IHUOMA CHIEMENA, ANSELEM IYELA BUNMI JUDITH KOLOBE BABA, KURA ETOKAKPAN FRIDAY SAMUEL FATUNDE IDOWU FELIX IBEANU TONY ARINZE IJAGBEMI JONES, AYOBAMIJI IYELAGHA ANGALAKIRI LOUDEN KOME JOHN, OKORO ETOP SAMUEL EMMANUEL FATUROTI ADEOLA OPEYEMI IBEES INVESTMENT COMPANY LTD IJALANA OLUGBENGA, OLUFEMI IYOBASOGIE SUNDAY KOMLAFE IBILOLA, ETTE IME OKON FAWEHINMI MOTUNRAYO, OLUBUNMI IBEGBU NDUBUISI IJALAYE- OLANIYI OLALEYE IYOHA C.CHRIS, OSAKPAMWON KOMOLAFE ADELEYE, ETUH THOMAS FAWOLE OLASUPO OLAYIWOLA IBEGBU PATRICK OGONNA IJAUKA INALEGWU, INNOCENT IYOHA CHRISTOPHER KOMOLAFE O., A. ETUK EMANUELA AFFIONG FAYEMI ADETOUN, OLUWATOSIN (MRS.) IBEH NGOZI, FIDEL MAUREEN IJEH CHIKE CHRSTOPHER IYUN FADERIN OLUSEGUN KONAC INDUSTRIES LTD EVBOERVAN PATRICK, OZINEGBE FEBO OGIONWO, AUSTIN IBEKWE EUCHARIA, IFEOMA IJEH MICHAEL EMEKA IZEDOME SUNNY, JOHNSON KONIBIRE EBENEZER OLUFEMI EVERETT GODWIN, FEHINTOLA OLAYINKA, OLUBUNMI IBEKWE ONYEEZE, DAVID IJILADE ADEKEMI, IYANU IZEGBUNE AUGUSTINE OKOLIE KORDA DANIEL, EVWRUJAE PETER ERHIJESE FELIX-ISUKU THEODORA, NGBOUTOR IBELO DAVID UGOCHUKWU IJIOMAH DANIEL ABARA IZUAGIE RUTH ATINUKE KOSIRU MUTIULAHI, EWA ENYINNAYA, FEMI-PEARSE OLATUNDE IBENGECHA GENEVIEVE, NKECHI IJOMAH VIVIENNE, IZUCHUKWU JULIA, ERINMA KOTUN ABDULAHAD TEMITAYO EWAH OSEMENLU CHUKWUKA FETUGA ADEBIYI ADENIYI IBERI GILLIAN, OLUCHI IJOMANTA MERCY, NNENNAYA IZUKA IFEOMA, CECILIA KOTUN FOLORUNSHO, AYODELE EWA-HENHSAW B E FIDNONS NIGERIA LIMITED IBEWUIHE CHIDINMA, RUTH IKE ADINDU, VICTOR IZUKANNE OGOCHUKWU JOSEPHINE KOYI OLATUNBOSUN, ADEBOWALE EWEKA ABIODUN, ALEX FIRST TRUSTEES, A/C NTEKPERE MR.& MRS. IBEZIM DORIS, CHIBUZOR IKECHUKWU HAPINESS, IHEBIRI IZZI UAGBAE, KPABARI-OKUNNA DRUSCILLIA OGBONNE EWEKA-EDOSA ETHEL, FIRST EQUITY SEC.-DEPOSIT A/C IBEZIM GRACE IKEDUM KEZIE, GERALD-CURTIS JABAR ISIAKA, GBOLAGADE KPANDEI BOLA, BARIDI EWIOLO SONNIE, AGBONS FIRST TRUSTEES A/C ADIO ADEREMI IBEZIM SEBASTIAN, ONYI IKEFUAMA BEDE, OGBONNA JACK DUMO WILLIAM KPEJI-CAMPBELL QUEEN, TURHOBORO EWO SONIA UDECHUKU FIRSTINLAND BANK/PARTNERSHIP INV - IBHADE CHRISTOPHER, IGBORIA IKEJIAKU BENSON, CHUKWUMA JACKSON DUPE AYOMIDE KUALE BOTUKORE OVONHWE EWOYEMI OLUBIYI TRADG IBHANESEBHOR SAMUEL, EHIREMEN IKEJIAKU KENNETH JACKSON IME, BEN KUFORIJI OLAKUNLE EWULE BRIDGET WALERUCHI FOLARANMI TAIWO OYENIKE IBHAZE ERIC, OLELEORIA IKEKWEM EVAREST JACOB ABIOLA, KUMOLU-JOHNSON HENRY BABATUNDE EWUMI GANIAT, ALAKE O. FOLARIN AYODEJI, OLUFEMI IBI ODEMERO JULIANA IKEM NATHANEL C JACOB SUNDAY KUPOLOKUN OLUWOLE, OLADEJO EYA PATRICK EKE FOLASHADE TEMITOPE, OBILOMO IBIDOKUN GRACE FUNKE IKENGA FRANCIS, AWA JADEMI PETER SHAKEDE KUPONIYI OLUMIDE, OLATOKUNBO EYEFIA OGHENETEJIRI FAUSTINA FOLAYAN GBOLAHAN IBIKUNLE AYOWOLE, OLUWASEUN IKENWEIWE RUTH ISIDINMA JAGA AKINLALU, OLUYEMI KURU ABIMBOLA LATEEFAT EYO EMMANUEL, ABIKO FOM DACHOMO, LABI IBIKUNLE MOHAMMED, OLAWALE IKEOKWU CHINYERE, N.E. JAGUN OLATUNDE KUTEYI JANET, ARINOLA EYO NSEFIK IQUO FORESYTHE TAIWO ABIADE IBIROGBA FAOSAT MOJISOLA IKEOMA ENYINNAYA, PROMISE JALEKUN MUFTAU OLATUNDE KUTEYI JOSEPHINE OLUWADAMILOLA EYO PATRICK, ISAIAH FORMIDABLE EQUITIES & ASSOCIATES IBIROGBA OLUWAYEMI OLADOTUN IKEOTUONYE NALLY, CAJETAN N JALLO ALIU KUTI BARBARA, ATINUKE EYO-OKU JUSTINAH, MAXWELL FORTUNE HUNTERS NIG. LTD IBITOYE ABDUL LATEEF IKERIONWU BEN CHINEDU JALZ ENERGY LTD KUYE OLURIBIGBE OLADAPO EYORO ABO FORUN KUROEKIA IBITOYE BAMIDELE, JULIUS IKHENA FAITH ISIBHAKHOMEN JAMAICA ALFRED ADAOBO KWAMU CHUKWUYEM, ENDURANCE EZE CHUKWUEMEKA CLETUS FORUN OMOTESE RUKAYAT IBITOYE JOHN ROTIMI IKHINMWIN IFUEKO, EBI JAMES ELIZABETH KYALO ANTONY, EZE EUGENE, AZUKA FOWOSIRE Y IBITOYE OPEYEMI, IKOIMA BEDE, OKON JAMES GODWIN, KYARI ABBA EZE NNENA, LAURA FRANCIS VICTOR, OLUSEGUN OKURO IBITOYE PETER OYEWALE IKORO NDUKA, ONUOHA JAMES NSA ASUQUO LA KIPHET NIG COMPANY EZE OLUWATOSIN, BUKOLA .G FRANK AKPOEBI, (OLOTU) IBIYEMI AJARAT, ADENIKE IKPE RICHARD NWABUIKE JAMES OLO ISREAL SUNDAY ESHISHINO LABARAN FAIZA EZE TONY, EZEMIE FRANK IHEANYICHUKWU, IBIYODE AKINLEKE IKPEAGHA EMMANUEL, JAMESJAMES MOSES LABEODAN EZEALA KINGSLEY, NDUBUISI FRANK PAPILL NIGERIA LIMITED IBOK AKPAN, SUNDAY IKPEBA BRIDGET JAMIL MOHAMMED LADAN AMINA DALHAT EZEANI CHINAZA DIVINE FREE ENERGY RESOUCES VENTURES IBRAHEEM-KATCHAN AMEERAH AMINA IKPEKHIA GEORGE EHICHOYA JATAU SULE IBRAHIM LADAN SULEIMAN DALHAT EZEANI JOY ORAKWE FSIL A/C IJIWOLE HENRY IBRAHIM ABDULAZEEZ IKPO DAVID O. JEREMIAH ETEFON, FRIDAY LADAN TANIM, Z. EZEANI VICTOR ORAKWE FUJAH LIADI SANNI IBRAHIM ADETINA, ABDULRASAK IKPO JOHN ONYEKOZURU JETAWO ADEYEMI, PAHEAL LADEBO KAREEM OLADOKUN EZEARIGO SAMUEL, IFEANYI FUNKE ADEOKUN, IBRAHIM ADETONA, IKPORUKPO CYNTHIA, EBI JEYODE YZARKIS AYODEJI LADEJOBI JUMOKE SUZANNE EZE-B.J. BENJAMIN, CHISOM FUNMILAYO EMMANUEL, OLANIYI IBRAHIM AHOKO, ABDULKARIM IKWELLE CHRISTOPHER EKENWE JFK INVESTMENTS (NIG.) LTD. LADIPO JONATHAN OLALEKAN EZE-B.J. CHIDINMA, GABRIEL PATRICK, NNAMDI IBRAHIM ALI, BABA IKWUEGBU EMMANUEL, JIBREEL OLAWUMI, NURAT LADOJA ADERONKE, S EZEBUIRO LEONARD SORRONNADI N. GAINS CONSULT IBRAHIM ALIYU BABA IKWUEGBU IFEANYI, CHARLES JIBRIN-BALA DIJE, LAGELU 16 CLUB EZECHIE OLUCHUKWU GAJERE JIM, PATRICIA IBRAHIM DAUDA, WOBIYA ILECHUKWU VINCENT ANENE JIDE TAIWO & CO LAGOS NYORE, CLEVER EZEH CLETUS EZEH GALADIMA HANNATU HAMMA GALADIMA IBRAHIM ISA BIO ILO ANITA IJEOMA OGECHUKWU JIMOH ABDUL-KADRI KOLAWOLE LAGOS BRANCH NIG SOCIETY.ENG EZEH ELLINGTON, ONYEBUCHI GALAMBI BASHIR, ADAMU IBRAHIM LAMI AISHA ILO LARRY, CHIMA JIMOH ABIODUN, NURUDEEN LAGUNDOYE OLASUPO, JAMIL EZEIBE CHIBUIKE, MARTINS GANA LAWAN IBRAHIM MOSHOOD, LAWAL ILOBA EUNICE JIMOH BLESSING OSARIEMEN LAJA AGNES OMOLARA EZEIBE JANE, GANA MALLAM, BUKAR IBRAHIM OLAREWAJU, GANIYU ILOKA ERNEST UGOCHUKWU JIMOH HILLARY OSARO LAJOLAB INVESTMENT LIMITED EZEIFEDI CHUKWUMA, CHARLES GANI SALE, IBRAHIM STEVEN NDANUSA ILOKA NNAMDI, JIMOH KAYODE LAMIDI BOLA EZEIGBO ANAYO CYPRAIN GANIAT LOLADE, SULE IBRAHIM UMARU ILOMBU KANWULIA, ELIZABETH JIMOH KAZEEM, IDOWU LAMORDE IBRAHIM ABDULAHI EZEIGBO CHIDIEBERE, EBERECHUKWU GANIYU ISMAILA, ALAFE IBRAHIM DASUKI ISMAILA ILORI OLUSEGUN ADEDOYIN JIMOH OLUWADAMIRE, ADAM LANIYAN SOLOMON OLANREWAJU EZEIGBO CHUKWUEMEKA SAMUEL GANIYU RASAKI, IDA PHILIP, ILUPEJU KAZEEM TUNDE JIMOH OLUWAFIFUNWA, OMOLAYOSI LANRE-ADEMOYEGUN AYOMIDE, CHIKA EZEIGBO EMEKA HYACINTH GANSALLO ISAAC, SYLVANUS AKINKUNMI IDABIE IKPONMWOSA, JOHN E. IMADE FAVOUR, OSAGBEMWORHUE JIMOH OSARO JANE LAR YUSUFU, EZEIGBO MARYAN ELEOJO GARBA EDIONG, JOSEPH IDAFE OTUNIYA SUNDAY IMAEKAHAI ANTHONY, O. JIMOH SHEHU ABDULKADIR LARTEY JOSEPH, OLUSEGUN EZEKIEL MADUABUCHI, ONYEBUCHI GARBA SHAAIBU, GEZAWA IDAHOSA CHRISTIAN, OSARO TOKUNBO IMAM SIKIRU, BARE ISHOLA JIMOH TAIWO ALABI LARTEY VICTOR, EMMANUEL TETTEY EZEKWE ANTHONY, JOVINUS GAVOR YAO OSCAR IDANG PETER, IMANA OLUMIDE, JULIUS JINADU IBRAHIM GBADEYAN OLATOYE LASAKI ADEREMI EZEKWESILI OLISA, IFEANYI GB CT AND CS IDANI BENSON, EMONAJIVWO IMANATUE OMOIKE MONDAY JIYA SULIEMAN, GIMBA LASOYE MOTOLANI AKANBI ZULHAJI EZEKWUGO ROSE, IFY GBADAMOSI AMUSAT, ADEKUNLE IDANWEKHAI JULIANA, IMARA OVIEMUNO, JOBIFELE MOHAMMED ALIU LATEEF-IBRAHIM QUEEN OMONIGHO EZENGWA PETER CHIBUEZE GBADAMOSI MUKAILA, ABIODUN IDANWEKHAI MAUREEN, OLERE IMOH EMMANUEL, C. JOHN ADAMU LATILO ADERONKE, OLUWAFUNMILAYO EZENNIA IKEMEFUNA, GBANA TOBOR, ELVIS IDEHAI UWANZE, AZEKUME ISAAC IMOH REGINA, EKAETTE JOHN DEBORAH LAWAL AISHA, IYABO EZENWA INNOCENT C GBANVO CODJO JOACHIM IDEHEN FRANCIS A IMONIKHE ABEMARU, JOHN DOMINIC ETIM LAWAL ALADE, BASHIR EZENWAJI PETER, ONYECHI GBARAKONO SATURDAY, BARIKPE IDEHO UDUJEI, OLORUNTOBA IMONIKHE JOY, JOHN ELISHA, BASSA LAWAL BINTA YAHYA EZEOBA IKECHUKWU GBENRO ADIO IDEMUDIA MCFRANCIS UNUOSE IMOSEMI STEPHEN, JOHN MONDAY, LAWAL IDAYAT, FOLAKE EZEOBELE ESTHER, AZUKAEGO GBEREVBIE SONNI ENEMUADIA IDEMUDIA TESSY OSHUWA IMUK PEPETUAL PAUL JOHN THOMAS, ASUQUO LAWAL NURUDEEN ABIODUN EZEOKAFOR C., CHARLES GBOBO ABIMBOLA IDEMYOR VINCENT INE ISIOMA, VIVIAN JOHNSON JOSEPHINE, OYENIKE LAWAL OLA SUP0 EZEORAH OKECHUKWU CALISTUS GBUM LARAI, IDIKA OBE IDIKA INENEMOH PAULINE, MINE JOHNSON MORENIKE, ESTHER LAWAL OLUROTIMI EZEUGO EMMANUEL GEE KAY BEE (NIG) LIMITED IDISI CHRISTIAN, O INOKON EMMANUEL JACKSON JOHNSON PATIENCE, LAWAL OLUWAPELUMI KEHINDE EZEUKO OBINNA GEORGE AKINOLA, AUSTINE IDJOGBE JOHN, EL-DAVID INOKOTONG NSE C.J JOHNSON TABITHA, ADEOLA MORENIKE LAWAL RASHEED ADEYEMI EZI NONYE GEORGE ANTHONY IDOKO CYPRIAN, INOKOTONG ROSEMUND CLEMENT JOJO ECHEFULA AUSTIN LAWAL RASHEEDAT, EZIKE ANTHONY, GEORGE GLADYS IDOKO GRACE, OWOYA INTERCONT BANK/BYTOFEL TRUST & SEC- JOKOGBOLA OSHIKANLU, LAWAL SAKIRUDEEN TOLANI
Ecobank Nigeria Report 2010 107 LAWAL SUEBAT, ADENIKE MOHAMMED ABDUL RAMAN TANKO NEDOZI ONYEMAECHI, FIDELIS NWAZUO FRANCIS, CHINEDU OCHEJE GABRIEL YAKUBU OGBEIDE EVANS, LAWAL TITILAYO MOHAMMED ABDULRASHEED NEGGAR HABBAR NWEKE ENYIDIA, N OCHEOHA IJEOMA, NNENNA OGBEIFUN JOSEPHINE, LAWAL WAHAB MOHAMMED ALIYU GADAMGA NEGO CONSTRUCTION LTD NWEKE NNAMDI, COSMAS OCHEOLA-OKI ENENCHE, ENOCH OGBOBULA ISAAC, ABBOT LAWAL YUSUF MOHAMMED ALIYU, ZURMI JAMILAH NEMEYEKE ANDREW IKECHUKWU NWENE UCHENNA, OCHIAGHA UDOKA, EMMANUEL OGBODO CECILIA, OJO LAWAN MOHAMMED, MOHAMMED BAKO, AHMED J.J NEMEYEKE ANDY, IKE NWEZE FRIDAY NNABU OCHIAKA ONYEKACHI UGOCHUKWU OGBODO SUNDAY, ATTAH LAWANI PATIENCE, ENEMA MOHAMMED E., AHMED NESIAMA OMTSEYE, NWEZE GODFREY, OGBONNAYA OCHOGE CATHERWE, OGBOMWAN JULIET, I. LAWRENCE OLUTOYE, AGUNLOYE MOHAMMED HIBATULLAH IMAN NETWORTH SEC-DEPOSIT A/C NWIGWE KENNETH, E. OCHOKWU CHARLES, OKOLIE OGBONNA BEST, LAWSON BENONI MOHAMMED HIKMA IKHLASS NGALAM TITA, SEMBI NWINEE JULIET PERPETUA OCHULOR CHINENYE, LEO (DR) OGBONNA CHINEDUM, CHINYERE LAWSON EMMANUEL LATE MOHAMMED IBRAHIM GALADIMA NGBEWHE PRISCILLA, WORDU NWOAZOH CHINENYE, JOY ODARO-OSAZUWA EFE ANTHONY OGBONNA MARY UDE LAWSON MARIE-GISELE, A. MOHAMMED IFEOLA, NGBONYEBI HENRY, EMEKE NWOBBI JOYCE, ONYEKWERE ODDIAH ANDREW, O. OGBONNAH FRANCIS KALU LAZARUS ARUOKHAI PETER MOHAMMED INUWA, ANTHONY NGERE UZOGARA PETER NWOBGU NELSON WOGWUNKA ODEBOLA EPHRAIM AYINLA OGBONNAYA OKORO LINUS LEAGUE OF FRIENDS MOHAMMED ISHAQ UMAR NGOBIDI DANIEL, OBINNA NWOBI CALISTA, EBERECHI ODEBUNMI OLUFEMI ADEOYE OGBOR SAMPSON SOKPANU LEBECHI STEPHEN, UGOCHUKWU MOHAMMED JAFAR, NGONADI HARROLD, ONYELUKACHUKWU NWOBI CHIGEKWU, GABRIEL ODEDE JOHN ADEOYE OGBORU SHARON OGHENERUKEVWE LEBI SUNDAY, GBENGA MOHAMMED MUAZU, ADAMU NGUEREMALET-BEA DEDE MORGANN NWOBODO FORTUNE ODEDIRAN MOSES OLUYEMI OGBUANU CHUKWUNONSO E.C LEBOEUF JASON, DAVID TAMUNOTONYE MOHAMMED MUWAFFAQ IMRAN NGWABA ONUKWO, KINGSLEY NWODO MARY ODEDOYIN OYEWOLE ABIODUN OGBUEHI MERCY LEDIJU OLAOLUWA TAOHEED MOHAMMED NAFISAT NICHOLAS BLESSING, NWOGBO STEPHEN, ODEGBAMI SEGUN, PATRICK OGBUEHI THEOPHILUS O LEDOR GIDEON MOHAMMED OLATUNJI, IBN NICHOLSON DANIEL, ABIMBOLA NWOGU EMMANUEL CHUKWUEMEKA ODEKUNLE TEMILOLUWA, O OGBUIYI GLADYS IJEOMA LEILEITUAGHA OKUBOEBI, MOHAMMED OLUFEMI OLUWAROTIMI NIYI OLADIPO PROP & INV. CO. LTD NWOKE HELEN, ODELE KENNETH, NNAYERE OGBUKA NWOKOCHA, LEMAH OZIOMA MOHAMMED SAUDAT OLAWUNMI NJALI LIMITED NWOKE NNENNA ANAGA ODERINDE LAWRENCE OGBUZUO GODWIN OGUZIE LEMBOYE RISIKAT, OLUWATOSIN MOHAMMED SHEHU AHMED NJOKANMA ASHIMEDUA M. NWOKE NNOYE VICTORIA ODERINDE USORO, OGEDEGBE GLADYS, LENOIR TELECOMS LIMITED MOHAMMED ZAGE JIBIRIN NJOKANMA NGOZI JOHN NWOKE SUNDAY OKORO ODESHEYI OLANREWAJU, ANTHONY OGEDENGBE AUGUSTINE AKINTUNDE LGSC COOP MULTIPURPOSE SOCIETY MOHAMMED-GAZAL KAZEEM KAYODE NJOKU BERNARD, NDUBUISI NWOKEMODO PATIENCE, ODESILO AKINBOLA OLAKUNLE OGEDENGBE CYRIL, OLUSEGUN LIBERTY SCHOOLS MOHAMMED-MIJINYAWA BALA NJOKU BEVERLY, CHIMA NWOKEOMA FORTUNE, CHIJIOKE ODEWALE EDWARD ADEREMI OGEDENGBE KOLAWOLE LIJADU OLUFEMI DOMINIC MOHIRO CHARLES KAYODE NJOKU CHIGOZIE ENDURANCE NWOKO UZOCHUKWU, ANDREW ODEWALE PETER, ADEYEMI OGEGE EMMANUEL LIMAN JESSE MOJU SIMEON NJOKU CHUKWUMAEZE, B NWOKOCHA JAMES, DAVID T ODEWAMI OLAJIDE, NICODEMUS OGEGE OVEMESO, OGHALE LIMESHARE INVESTMENT LTD MOKWENYE EUSTACE, AKA NJOKU EMMANUEL, NWOKOLO NATHAN ONUORAH ODEWUNMI ELIZABETH, O (MRS) OGHAGBON MARTINS, LINKAGE ASSURANCE CO. LTD MOLOKWU BARBARA IFEYINWA NJOKU IJEOMA JULIET NWOKONTA CHUKWUDIKENOLUM, ODEY EMMANUEL, IDAGU OGHARA JEME JACKSON JEME-JACKSON LISABI ELITE NIG.INVESTMENT COMPANY LTD MOLOKWU CLIFFORD, NJOKU KELECHUKWU CHRISTIAN ODEYEMI MARY TEMITOPE IYANUOLUWA OGHENAKPOBO JUDITH, OGHENEGARE LITTLE HEROES LIMITED MOMIFE MOORE EDWIN NJOKU ROMANUS OKPOMECHINE NWOKORIE EMMANUEL, E. ODEYEMI ADEDAPO MARY ABIKE ALABA OGHENEDE BELINDA, LIVING RIVERS VENTURES MOMOH HABIB, NJOKU SYLVESTER ONYEACHU NWOKORO VALENTINE, CHUKWUDI ODEZUGO MICHAEL EMENTA OGHENEKARO EDIRIVERERE, NOSA LIVON LIKWID INVESTMENT CLUB MOMOH IDOWU ESTHER NJOKU SYLVESTER ONYEACHU NWOKOYE GERALDINE IFEYINWA ODHIGADA CHARITY EKEMENA OGHENESIVBE FRED LATIMORE LLOYD-ROMEO AGNES, OLUFUNSO MOMOH IKHIEGBIA BRAIMOH NJOKU-OPARA MARTINA CHINYERE NWORGU BENJAMIN, KEMDIRIM ODIA IMUETINYANOSA, ANITA OGHOLOH OSAGIE, AJIEGBELEN REX LOGBY-HART VERTURES LTD MOMOH JOHN ITONYIA NKADO OGECHUKWU, AYOMIDE GLORY NWOSA DANIEL OLISEYENUM ODIAGBE LUCKY MATTHIAS OGHUBOR, PERCY, EMMANUEL OMOSIGHO LOKO HENRI, MOMOH NAOMI IHINOSE NKECHIKA AMARACHI, NWOSA JOSEPH UKWEH LUCKY ODIAI VICTORIA, OGIDI HUDSON JAGUN ARUSUNWARE LOKOSU GRACE OLUFUNMILAYO MONEKE TOCHUKWU NKEM NWOSU, NWOSU ANTHONY, ODIFE ESTHER, NNENNE OGIDI MICHAEL LOLOWO ADEWALE ABDUL-RAFEEU MONHOUNSO FRANCIS NKEMEH HENRY, IKECHUKWU NWOSU CHUKWUEMEKA ODIGIE DAVID F ILENLU OGINNI ELIZABETH, ABOSEDE LOMUWAGUN DAYO, OLUTAYO MONYEI PETER, IGWEDINMA D. NKEMJIKA-AMAMGINI NWADIMKPA NWOSU DENNIS, NWOSU ODIGWE HYACINTH NWAFOR OGLAFA EBIMOBOERE, ANNE LONGE TAIWO, MORAH BENEDICT EJIOFOR ANGELA NWOSU IZUCHUKWU CRYCUS ODII OKECHUKWU, OGOJI FEYISAYO, LUBO DAVID, AHMED MORAKINYO OMOLARA, ELIZABETH NKENG JONANNAH, NGOWO NWOSU NGOZI, CHINYERE ODILI CYNTHIA, UCHE OGOLO REX, PEDRO WORLUMATI LUCIBIK LIMITED MORDI CHRISTIAN, OJOSHIMITE NKEZE ANTHONY NWOSU OKWUDIRICHUKWU, THONY ODILI-OKAFOR AMAKA, OGOWA EMEKA, DONATUS LUFADEJU FUNMILOLA, MORDI FREDRICK C. NKOB & FNMGBAB STORES LIMITED NWOSUJI CHARLES, IKECHUKWU ODIMGBE THERESA, UZOMA OGU FUN-EBI, FREDRICK MABINUOYE OLUWOLE, JACOB MORGAN BENJAMIN BASSEY NLEWEDIM GODWIN, CHIKATARA NWOYE GODWIN, CHUKWUMA ODINDE IFEANYICHUKWU I. OGU VALENTINE, UWAWUIKE MACAULAY ALBERT AFOLABI MOROLARI OLUYEMISI, ABIODUN NNADI NGOZI, EUNICE NWOYE JUDE, NWAGBOLOGU ODIOH DIVINE-FAVOUR, OGUANOBI GODWIN OGUANOBI MACKINTOSH TIMIDERA, IJEOMA D MORONKOLA OLATUNBOSUN, DADA ALEX NNADI PATRICK, SAMUEL NWOYE SELEMA, (MRS) ODIONG EMMANUEL EFFIONG OGUCHE EMMANUEL, OJONIMI MADICHIE ANTHONY MORONKOLA SIYANBOLA, ADELEKE NNAJI KINGSLEY CHIWUNDU NWULU NWAMAKA, IFEOMA ODJEGBA JAMES, EFETOBORE OGUCHE SAMUEL ENEMONA MADIEBO CHINWE JANET MOSES SARAH MODUPEOLAJESU NNAJI MARGARET, NGOZI NYAKO AHMED B.U ODJEGBA OGHENETEGA, OGUDE ESTHER, ENEKESOMHE MADOJEMU PARKER EBAMOLEN MOTESO ADEKUNLE SUNDAY NNAJI OBINNA, JOHN NYANGUAH ISAIAH, FEJU ODOEMENAM JECINTA, OGUDE OVIEMUNO, MADU AUGUSTINE, C. MOTUNRAYO GANIYU, NNAMDI SUNDAY JASPER NYENKE OBODOSIE, JAMES ODOEMENE AUGUSTINE, EZECHI OGUN PETER, MADU AUSTIN MOUKARIM SAMI SAMI NNANNA PAMELA CHIGEKWU NYONG ANTHONY, EFFIONG ODOEMENE DORIS DABOTA OGUNBAIYEJE CHRISTIANA IDOWU MADU PRINCESS, MPAMA NKECHI, EUPHEMIA NNEJI CHIBOGU MONICA NYUKHO DORATHY EDWIN ODOFIN TAJUDEEN ADEDAPO OGUNBAKIN TOLULOPE, AKINWOLE MADU SYLVANUS MR DOSA EZEKIEL, SEMAWON NNEJI EMMANUEL, IFEANYI NZE SILAS ODOGWU CHUKA, HENRY OGUNBAMERU NIYI, MADUAKO MOGUL, OCHINGWA M-SDS/EGBELEYE MARY FOLASADE NNEKE ANTHONY, MARIA-GORTHY NZE VITALIS, ODOH INNOCENT, EMEKA OGUNBANKE TAJUDEEN ADISA MADUBUGWU JUDE ELOKIFE M-SDS/HUNFUNK NIG LTD NNOCHIRI VIVIAN, KELECHI NZEFILI KENNETH ODOH NZUBECHUKWU, OGUNBITAN ABIODUN, OYEBIMPE MADUBUIKE CHIMIEZIE EMEKA M-SDS/JAMES I., NNADI NNOROM CLARA, ADANYO NZEGWU UMUNNAKWE ODOKA CHRISTOPHER, CLEMENT OGUNBIYI OLADOSU MOSUNMADE MADUBUIKE JOSEPH, CHIDIMMA M-SDS/OGUNJOBI JUMOKE NNOROM EMMANUEL, NWABUIKWU NZEKWE AKUNNA, BIBIANA ODOM BERNADETTE ADA OGUNDARE MICHAEL OLU MADUBUKO ELPHREDA, NNENEDU MST WEST AFRICA NNORUKA JOY NGOZI NZERIBE PASCHAL, NTOMCHUKWU ODOYI BENJAMIN OGUNDE MORADEUN TAIWO MADUEWESI CHIMEZIE, MUDASHIRU OLAWALE, NNORUKA UCHENNA, NZOMIWU EMEKA ALOYSIUS ODU FRANCA, UNOMA OGUNDIJO CHRISTIANA, OLUFUNKE MADUKA CLEMENTINA, NKEONYERE MUFUTAU ADEDEJI NURUDEEN NOBLE AUTO & EQUIP NIG. VENTURES OAKWOOD TRADING LIMITED ODU VERA, NYIRE OGUNDIMU AKINTAYO, OLASUPO MADUKA CLEMETINA, NKEONYERE MUHAMMAD ABDULKADIR BIDA NOLCHEM PENSION FUND OAKWOOD TRADING LIMITED ODU VERA OGUNDIMU RISIKAT MADUKWE NNABUKO SAMMY MUHAMMAD INUWA IDRIS NOLCHEM PROVIDENT FUND OARE ABDULKERIMU, ODUAH NKEM, LINDA OGUNDIPE ALERO IRENE MADUWUBA CHUKWUMEZIE, JEREMIAH MUHAMMAD HADI ABUBAKAR NSEFIK OROK OYO OBA G.E., ODU-AJOSE OLANREWAJU, OGUNDIPE OLUBUSOLA, JANET MAFENI NORBERT OGHALE MUHAMMED ABDUL, AZEEZ NSOFOR CHUKWURAH, EDWIN OBADINA HALEE OLADELE ODUBANJO ADEMOLA, DAVID OGUNDIPE TAIWO OLUFUNKE MAGBO OBIORA JOHN MUHAMMED ABUBAKAR, DANGOGO NSOFOR LILIAN, CHIZOBA OBAFEMI ABIODUN ADEDOTUN ANTHONY ODUBANJO MERCY, OGHENEKEVWE OGUNDIYA BABATUNDE, OLAKUNLE MAGNARITIS FIN.&INV.LTD.TRADED-STOCK- MUHAMMED BELLO, HASSAN NSOFOR NWACHUKWU CHUKWUDI .A. OBAJULUWA VICTOR ADEMOLA ODUCHE NIGERIA LIMITED OGUNDOGBA ADELEKE AYOTUNDE A/C MUHAMMED IDRIS, MARYAM NSONGURUA FRANK, DENISON OBANURE VINCENT FUNSO ODUFOKOKAN CHRISTOPHER, OLUMIDE OGUNDOGBA GRACE OLUFUNMILAYO MAHUS CAROLINE, IFY MUHTARY JAAFARU NSOROM HILLARY NNOROM OBANYA VICTOR, IGBOKWU ODUFOWOKAN ADEJOKE, OGUNDOYIN ADEFEMI ADEREMI MAIRIGA BITRUS, MUHTARY JA'AFARU, NTIA PROMISE, ASUQUO OBAROGHEDO ALEX, ODUFOWOKAN MUYIWA, OGUNDOYIN ADESEUN MAIYAKI ABDULLAHI, YUSHA'U MUIBI ADETOKUNBO MUSTAPHA NUCOPACKS NIGERIA LTD OBASANJO WURAOLA, ODUGBEMI KAYODE TAOFEEK OGUNDOYIN ADETORO ADETOKUNBO MAJAM ILIYA, BEN MUKORO BETTY, AKPOVBOBANE NUENKE EGURU OBASANYA OLUTOYIN, OLUBUSOLA OLUYIN ODUJI MR&MRS CHRISTIAN UCHE OGUNDOYIN FUNMILAYO MAJEKODUNMI AJESOLA A. MULTI-LINKS TELECOMMUNICATIONS LTD NUGA JAMES OLU, EFUNNUGA MR -MRS OBASEKI BENSON OLUTOBA ODUKOYA REMILEKUN, OGUNDU MAGDALENE, CHINYERE MAJEKODUNMI MICHAEL OLUFEMI MUNIS FUNLAYO FLORENCE NUGA SAMUEL, ABIOLA OBASEKI SUNDAY WILSON CHICO ODUKOYA TEMITOPE OGUNGBAMLA ADEBAYO FRANCIS MAJEKODUNMI RAFIAT, OLANREWAJU MUNIS MICHAEL OLUWAFEMI NUT LIB CMS LTD OBASI ANTHONY, CHINENYE ODUKWE IFEYINWA NWANNEKA OGUNGBEMI MATILDA, OLUKEMI MAKANJUOLA OLABODE MUODOZIE CHIDOZIE, JOEL NWABOKU OGUGUA FESTUS OBASI PAUL, ODULAJA SUNDAY IDOWU OGUNGBEMI MICHAEL OLUGBENGA MAKANJUOLA ROTIMI JULIUS MUOGBO OKECHUKWU NWABUEZE CAROLINE, CHINYERE OBASOHAN OBAMUONYI ODULAJA TUNDE ONI OGUNGBEMI WILLIAMS S S MAKBERE UBONSO, JACOB (PASTOR) MUONEKE FELIX NWABUEZE TINA, NNEBUOGO OBATA JONATHAN, ODULANA AKINRINADE OGUNGBENRO KAZEEM OGUNGBOLA MAKINDE ADEREMI OLUYEMI MURAINA AIBAT ADEPEJU NWACHOKOR CHINEDU, AUGUSTINE OBAWEYA ABIGAIL OLUMUYIWA ODULATE OMOTAYO, BOLAJOKO OGUNGBITE AYINLA SOLADOYE MAKINDE SUNDAY, OLATUNJI PORT MGT MURITALA RASAKI NWACHUKWU ABRAHAM, OKECHUKWU OBAWEYA KEHINDE, SOLA ODULATE TIWALOLA, OYINLOYE OGUNJANA BOLAJI OLAJUMOKE MAKOLO PHILIP, TENNYSON MURRAY-BRUCE FRANCIS BRENDAM NWACHUKWU AGATHA IROAGALACHI OBAYUWANA COMFORT ODUM CHRISTOPHER OKWUDILI OGUNJIDE ROTIMI, MALGWI MADU, TAGU MUSA ALHAJI SAIDU NWACHUKWU ULUMA, GLORIA OBAYUWANA GOODLUCK A ODUM LINDA NKECHI OGUNJUMO EMMANUEL GBILE MALIZE EUGENE, AMOBI MUSA FEMI TAJUDEEN NWADIKE AMBROSE, OBELLE DAN ODUM MICHAEL NMADILI OGUNKO ADEBISI K. MALLAM SALIHU, IMAM ABDULLAHI MUSA JAMES, MOHAMMED NWADIKE KINGSLEY AHAMEFULA OBEMBE OLUSANYA, BABATOPE ODUM THERESA CHINYERE OGUNKOYA OLUYOMI TEMITAYO MAMMAN-LAGOS AHMED MUSA MOHAMMED, FIRS NWAERI NNULI, FRANCES OBERE LONGINUS JUDE ODUMOSU PERCY, DELE OGUNKOYA OMOWUNMI TEMITOPE MAMUDU ABDUMIMINU IDOWU MUSA OKOLIKO BABA NWAFOR CHINEDU, VALENTINE OBETEN ODEN, OGBAKA ODUMU JOSEPH OGUNKUNLE MRMRS, RAHMON MAMUDU K. OSENI MUSA TAHIR, AUDU NWAFOR GERALDINE, NGOZI OBETTA MALACHY OHABUENYI ODUN ORIOKE, (PST DR) OGUNLADE AYOSIJI, AFOLABI MAMUKUYOMI STEPHEN SOLEDAYO MUSA TANKO, SILAS NWAFOR IKECHUKWU JIDEOFOR NNAAYI OBEYA ADA, MARY ODUNEWU OLAYINKA, SHUKURAT OGUNLADE CAROL, EMI MANDUNG JAMES DALYOP MUSA UMARU KABOJI NWAGBARA EMMANUEL, OKECHUKWU OBEYA PETER, ODUNFA MOBOLAJI, OGUNLAMI TAIYE, OLUSOLA MANGUT JULIE, TALATU MUSE-ARIYOH GANIYAT, TOYIN NWAGBARA FORTUNATUS ANAYOCHUKWU OBEYA PETER, ODUNIYI ADEDIWURA, IDOWU OGUNLANA BOSE OJUOLAPE MANIJU INVESTMENT CO LTD MUSTAFA ADETUNJI, NWAGBARA HILLARY, NGOZI OBI AMAKA, GLORIA ODUNSI FARID AKINTAYO O. OGUNLANA SEUN, IBRAHIM MAPAYDA ADEBUKOLA, ORETAYO SADIAT MUSTAPHA ABIOLA OLAYIDE NWAGBARA JAMES NDUKWU OBI ANGELA E. ODUNSI OLAITAN OYETOLA OGUNMAKIN VICTOR MARINHO CHARLES ADEYEMO MUSTAPHA RAMONI SALAU NWAGBARA QUEEN, ODINAKACHI OBI ANTHONY UZOCHUKWU ODUNWA ADEOLA, OGUNMILADE OLUMUYIWA, ELEAZAR MARIUS LIMITED MUSTAPHA TAJUDEEN AYINDE NWAGBONIWE CYNTHIA ONYEKA OBI BENJAMIN, OBI ODUOLA WASIU, ADEKUNLE OGUNMODEDE FLORENCE MARTINS LOOKMAN, GBOLAHAN MUTIU MORUFU, OLUREMI NWAGWU AUGUSTINE, NKEMAKOLAM OBI CHIKA, ODUORA OYELAKIN MICHEAL OGUNMOKUN SABINAH TITILOLA MARTYNO INTERNATIONAL CO, LTD MUTUAL EQUITY INSURANCE BROKERS NWAISE EMMANUEL, AMECHI OBI DONALD, IKENNA ODUSANYA ADEBUKONLA, MODINAT OGUNMOLA MUDASIRU ALABI MARVEL TRADES, & SERVICES LIMITED NWAKALO THOMAS, AFAMEFUNA OBI EMEKA, IKECHUKWU ODUSANYA COMFORT KEMI OGUNMOLAWA FEMI, MASHI IBRAHIM MOHAMMED MWELSEN KATLONG, SIMON NWAKAMMA CHIZOBA.C., OBI GODWIN C. ODUSANYA LUKMON ADENIYI BABATUNDE OGUNMOSIN ADEKUNLE, EKUNDAYO MASPALMA MUSA, IBRAHIM MYRTLE BUSINESS VENTURES LTD NWAKO CHUKWUEMEKA FRANCIS OBI GODWIN CHUKWUNONYE ODUSANYA RUFUS OLUKAYODE OGUNMOYELA ELIZABETH TITILAYO MATUTU OGHENEOVO, LUCKY NAAFCO(S S)LTD (TRUSTEES) NWAKODO UZOCHUKWU INNOCENT OBI VICTORIA, ODUSE OLAOLUWA, BABATUNDE OGUNNAIKE ADEBAYO MAUDE MUSA SANUSI NABIRIBERE MINA BENJAMIN NWALUTU ALOY N. OBIADIKA CHUKWUDI, E. ODUSELU SAMUEL OLUKAYODE OGUNNAIKE ADEKUNLE, OLUWATOSIN MAUDE SANUSI NAIYEJU TITILOLA, ADESOLA NWAMUO MARTIN OKECHUKWU OBIAGWU HILARY, AMECHI ODUSOLA AYODELE FESTUS OGUNNAIKE IDOWU AKANNI MBA MANKWE CHUKWU NAIYEJU TITILOLA, ADESOLA NWANERI FAVOUR, KENNEDI OBIAJUNWA CELESTINE, OGEDI ODUSOLA TEMITOPE SAMSON OGUNNAIKE OLUBUNMI AJOKE MBACHIRIN MBAUMBUR, NAKHUE EDOMWANDE, EVELYN NWANERI KENNETH, OARE OBIAKALIJE HELEN, MMAOGO ODUSOTE AYOTOSIMI, HAPPINESS OGUNNIRAN MICHAEL MBADUGHA INNOCENT UZOMA NARTEY IRENE EGYIMBA NWANGWU TONY, OBIAKO THOMAS CHUKWUEMEKA ODUSOTE KAYODE ADETOLA OGUNNIYI MUNIRAT, OLUFUMMILAYO MBAH AUGUSTINE CHIBUIKE NASHEHU HASSAN, ABUBAKAR NWANI JOSEPHINE EJIME OBIAKOR CHIKADIBIA ISAAC ODUTAYO FLORENCE, OLUKOREDE OGUNNUPE VICTOR ADEMOLA MBAH EMMANUEL, ADEDAYO UGOCHUKWU NASIR ZAINAB NWANI PHILIPSON, OCHOR OBIAKOR IKECHUKWU, KINGSLEY ODUWUSI OLUBUNMI, ADEJUMOKE OGUNODE ELIZABETH TAIYELOLU MBAJI VALENTINE, CHIELOKA NASSY AKINOLA AYODELE NWANILIWU SOMTOCHUKWU OBIALOR NKECHI, ESTHER ODUYE OLADIPO OLUSEGUN OGUNREMI OLUWASEUN, MORONIKE MBAMA EMEKA, VITALIS NDIDIAMAKA NCHEGE NGOZI, INYANG NWANKPA AZUBUIKE CHRITOPHER OBIAMALU JOHN UDEGHA ODUYEBO BABATUNDE, LASISI OGUNRINDE FESTUS OLUDOTUN MBANEME CHIKA, LILIAN NDAH INIOBONG, HANSON NWANKWO EBUKA, OBIANIME FELIX, PAUL ODUYEBO ESTHER OMOLABAKE OGUNRINDE OLUBUNMI ADIO MBANUDE DEBORAH, EBERE NDAKPOTO ABUBAKAR, SULEIMAN BABA NWANKWO ERICK, CHUKWUEMEKA OBIANWU CECELIA, OMUA(DR.) ODUYOMI ADESOLA AMOS OGUNSAKIN MICHAEL OLATERU MBANUSI LUKE, IFEANYI NDAKWOGI HARUNA, GAMBO NWANKWO GEOF, & NWANKWO UKPONG OBIASOGU ODUYOMI SOLOMON OLAREWAJU OGUNSAMI REBECCA, ADEOLA MBEREKPE FRANCIS ANIMACHUKWU NDA-ZUBAIRU EMMANUEL, NWANKWO LAZARUS, IDILICHUKWU OBICHEBELUM KIZITO, EBERE OFALAKA DOROTHY, IFY OGUNSANYA ADEYINKA, MBIBI AKOBUNDU O. BENSON NDEM ALLEN, DAVID NWANKWO MARTIN, IKECHUKWU OBICHUKWU SUNNY, ONYEMAECHI & STELLA OFERE JOSEPH OGUNSESAN ADEKUNLE ABDULRAHMAN MBONU AMAOBI, CHARLES NDEM JOSEPH NKEM NWANKWO OLAITAN OBIDEGWU POLYCARP, CHUKWUDI SUNNY OFEREN SAMSON, OCHUKO OGUNSEYE OLUWASEGUN MBRE JAMES ATANG NDEMELE EBUBEDIKE, EVERISTUS NWANKWO OLEBUZ ADRAIN OBIDEYI MICHAEL, K. OFFIA JUSTINA, OGECHUKWU OGUNSEYE OMOBOLA, OLUYEMISI MBUK EMMANUEL SAMUEL NDIFE GODWIN, CHINYERE NWANNAH SUNDAY, ANTHONY OBIDI EMEKA, KENNETH OFILI AGATHA OGOEGBUNAM OGUNSHAKIN ROSEMARY OLUWATOYIN MBULU EMMANUEL CHUKWUMA NDIOMU IKWO, M. NWANNGWU OLIVIA, NDIDIAMAKA OBIDIKE GOZIE, ARTHUR OFILI AUSTIN, OGUNSINA RICHARD, ADE MEDAYEDUPIN KAYODE DEJI NDON ETETIM AKPAN UDO NWANOGALAYAN JOHN, OBIDIKE UCHENNA OFODILE ANTHONY OBIEFUNA OGUNSOLA ABIMBOLA OLUSOJI MEDUGU ADARJU, DEBORAH ZACHARY NDONAH ELIZABETH, JOSHUA NWANZE CHRISTOPHER OBIELO-OKPALA EDWIN OFODILE ONYINYECHUKWU, CHINONSO OGUNSOLA OLUWATOYIN, AYOMIDE MEDUGU RISJU, Z. NDUBUEZE UCHECHUKWU FIDELIS NWANZE FRANKELA KANAYO OBIGHEBELU CHRISTOPHER UMEANAEFUNA OFODILE UCHECHUKWU, ADAEZE OGUNSOLA OYINDAMOLA, MODASOLA MEDUGU ZACHARY, JOSHUA NDUBUISI ADANZE DORATHY NWANZE KANAYO F. OBIJIAKU MADU, RALPH OFOEGBU AGUSTINE, CHINASA OGUNSOLA SAMUEL, KAYODE MEKWUNYE NICOLE AKALAKA NDUBUISI CHIJIOKE ALOYSIUS NWANZE OLUWADAMILOLA, FELICIA OBIJURU HELEN CHINYERE OFOEGBU CHINYERE, ROSEMARY OGUNTADE CAROLINE, RONKE MENE DICKSON NDUBUISI CHINAGOROM MARY JULIANA NWANZE UCHE, BENJAMIN OBIJURU OKECHUKWU, STANLEY OFOEGBU LEVI, CHIEKEZI OGUNTADE FOLASADE, OMOYEMI MENIM EMA WILLIAMS NDUBUISI CHIOMA, JUSTINA NWAOBI ELIZABETH, EZIAFAKAEGO OBIKA CHUKWUEMEKA JOHN OFOEGBU MONICA OLAYINKA OGUNTIRIN VICTORIA, OLAKITAN MERE EZIYA MADALO NDUBUISI CHRISTOPHER, CHUKWUNEOGO NWAOBILO CHINAZA GOODNEWS OBIKA PHILOMENA, AMAKA OFOKANSI ONWUKA OGUNTOLA OLAMIDE, DAMILOLA MERE GODFREY C. NDUBUISI FRANCIS KINGSLEY E. NWAOGAZI BEATRICE OLUCHI OBIKOYA ISMAIL, NIYI OFOMA MICHAEL ANAYOCHUKWU OGUNTONADE ADEDEJI, OLAOLU MERIFE IBEABUCHI UKEJE NDUBUISI MATTHEW EKENE NWAOGAZIE ANNE, CHINYERE OBINKA DINMA, OFOMATA IGNATIUS, UGBONNAYA OGUNTOYE OLUMAYOWA, KOLA MERUWA UFUOMA GLORY NDUBUISI NNEOMA ANTHONIA NWAOGWUGWU ANGELINA NGOZI OBINUGWU IKECHUKWU, OFONAGORO IJEOMA, NWAKAEGO OGUNTOYINBO ADEWOLE, OBAJIMI MGBEMEJE STEPHEN, CHIDI NDUBUOKWU HYACIENTH NWAOGWUGWU CHINENYE, JUSTIN OBIOFUMA MATHIAS UKADIYA NWAZE OFORI GEORGE, OGUNWALE RACHEAL, OLUYINKA MGBEMERE BENJAMIN, NNAMDI NDUKAIRE UCHE FAVOUR NWAOGWUGWU KENNETH IHEMEBIRI OBIOIGBO OSITA, VICTOR OFOZIE BENEDICT IKPECHUKWU OGUNWO OLUGBENGA AYODELE MGBENDI PATRICIA, NDUKWE CHEKWAS, DAVID NWAOHA PATRICK OTUS OBIORAH DONATUS OKWUCHUKWU .C. OFURU RICHARD, OKACHUKU OGUNWOLE VICTOR, OLUYINKA MIANGO GROUP INC. NDUKWE EJINDU OJEBE NWAORAGUNYE ALISON OBODO FABIAN .M OGAGAVWORIA WINSTON, OKEOGHENE OGUNYALE ADEBOYEJO, CHRIS MIBENE STEPHANIE, NDUKWE EMMANUEL NWAORGU CHRIS, EJIKE OBOH MARIAN OGAH HAWAU OZIKENE OGUNYALE ADEDAYO, OLUSOLA MICHAEL UKA KALU NDUKWE GEORGE OJEBE NWAORGU ONYEKWERE, GEORGE-FELIX OBORO ANDREW OGALI CHRIS OGUNYEBI JAMES MIDALA LADI, NDUKWE PEACE NWAMAKA NWAORU MOSES, UCHE OBOSHI JAMES, VIVIAN OGBA MOSES, AGU OGUNYEMI STELLA, OLUFUNMILAYO MIEYEFA DAVID PREDE NDUKWE UCHECHUKWU, NWAOSHAI AMESHI, MICHAEL OBOT UDEME RUFUS OGBA OKECHUKWU OGUNYINKA FRANCIS, AFOLORUNSHO MIRI-DASHE TYEM, OJO (LT COL) RTD NDUKWO ROSELYN, NWAOZO CHIBUGO OBOTT FRANK, OGBAJIE EMMANUEL, OLUCHUKWU OGUNYOMBO ADEWUNMI, DIMEJI MISBAHU MISBAHU, HAMZA NDULUE PIUS, A NWAOZUZU OGECHI, OBUKOFE JOSEPHINE OSASUYI OGBE HARRIETH, OGUZIE JERRY HENRY O.I MODEBE AUSTIN ONUWAEGBUNEM NDUPUECHI ISOBEL, NWAWUBA LEONARD, E. OCHASI UNIQUE BROTHER CLUB OGBEBILA ADETUNJI EZEKIEL OGWEH NKECHI, CHARITY MOGHALU JONAH, MADU NEBO CHINEDU CHARLES NWAZUE-NWACHUKWU JUSTINA, OCHE JAMES, OGABA OGBEBOR OLAJUMOKE, ADESUA OGWOLA CHIEF DAVIES SUNDAY MOH MFOLNIDOH, DAVID NEBO VICTOR, CHUKWUKA ONYINYECHI OCHEI KWENE, VERONICA OGBECHIE CHRIS, OGWUEGBU CHINONSO, JUDE
108 Ecobank Nigeria Annual Report 2010 OGWUMA PAUL OGBAI OKODUWA GREGG OSOBHAKHIA OLABODE OLUGBENGA, WILLIAMS OLUKOYA OLUMAYOWA, ONUORAH FERDINAND, I. OSUNLETI KUNLE, OHA CHIBUZO, EMMANUEL OKOEKOH SIMEON OLABOWALE SAMUEL DAMILARE OLUKOYA OLUYINKA, ADEGBOYEGA ONWAUNALU PENELOPE, O OSUNSANYA KOLAPO K OHAEGBULEM REGINARD EBUZO OKOH ALEX, OLADAPO ADEBUKUNOLA IYABODE OLUKUNLE OLUSOLA, JOSEPH ONWUATOGWU THERESA, DUMEBI OSUOHA ANTHONY CHUKWUDI OHANAEMERE EMMANUEL, ONYEMA OKOH DENNIS ONYEMA OLADAPO EZEKIEL OLAYELE OLULANA FEYISARA OLUYEMISI ONWUATOGWU WISDOM, CHUKWUKA OSUYAK ITA, ETIM OHANUGO WILBERFORCE NONYE OKOH FREDRICK ONYEMA OLADEJI OLADDARIDE FATAI OLULANA OMOLARA ONWUDIWE OGUGUA MACHARRISON OSY-ODIFE ANGELA, IBHADE OHANUGO WILLIAMS OKOJEVOH OVIGHO RICHARD OLADEJI OLAPEJU MODUPE OLUOBA CELESTINE, OLUBUNMI ONWUEKWE CHRISTOPHER, MADUKA OTARO MICHAEL, OYERINDE OHANWE ESTHER, ADA OKOKWE PHILIP, UZOMA OLADEJO AYOBAMI, ABIODUN OLUPEKA JANET, MODUPE ONWUEKWU NKEM ROSELINE OTARU ELABOR, OHIEKU ABDULGANIYU NUHU OKOLI CHIKA, OLADEJO JAMIU, ADIO OLURANKINSE ADENIKE, AGNES ONWUGBUFOR MARY, OBIAGELI OTASANYA TOLULOPE, KEHINDE OHILEBO ALICE OGHOGHO OKOLI FELICIA CHIDINMA OLADELE MOJISOLA ABIOLA OLUSA SAMUEL OLUMUYIWA ONWUGBUFOR REUBEN, IKECHUKWU OTEGBEYE ENGR, (DR) CHIEF BENSON OHIOKHUAOBO GEAVIN, JIMOH OKOLI ONYEKACHUKWU ANTOINETTE OLADELE MUTIAT, BIMBO O. OLUSESI KEJI, FUNMILOLA ONWUJIUBA MICHAEL EKWEBENA AKINOLA OHIOMOBA VICTOR, OKOLI SAMUEL OBINNA OLADEPO OLAWALE, OLUSEYI ADEBANWO, ONWUKA HENRY CHUKWUNONYEREM OTEGBEYE SAMUEL, ADEBAYO OHONBAMU BENSON OKOLIE CAROLINE COMFORT OLADIMEJI LEKAN, ALABI OLUSI MICHAEL OLUREMITOSIM ONWUKA IHUOMA, M. OTEJU STEPHEN, AFOLABI BABALOLA OHWOKEVWO JOSHPINE EJIRO OKOLIE STEPHEN IFEANYICHUKWU OLADIMEJI OLUSANYA, OLUSOLA ADEKANOLA & CO ONWUKA NNAMDI ADMIRAL OTHMAN HALIMA SHEHU OHWOVORIOLE AUGUSTINE E. OKOLI-OJI OKECHUKWU OLADINNI OLUWOLE OLAPOJU OLUTARA DAYO, OKE (PASTOR) ONWUKWE OGECHI OTISI NDUKWE ANDY OIBOH OTIBHOR, ANTHONIA OKOLO DANIEL, IZUKA OLADIPO AYOMIKUN, OLAOLUWA OLUTOLA OLATUNJI, ONWUNLI AGATHA, GRACE OTONO GAVENTA, & STELLA OIGIANGBE FRANCIS, AIKHOMUN OKOLO FRANCIS CHUKWUDI OLADIPO GRACE, (MRS) OLUTUNGASE IBUKUN MARGARET ONWUZULIGBO CHIDI, EUSTACE OTSEH ESTHER OJEAH CHINYEM CHRIS OKOLO IKECHUKWU, PHILIP OLADIPO KAYODE OLUWA SULAIMAN BABATUNDE ONWUZULIGBO NNEKA, CYNTHIA OTTI CLEMENT, SUNNY OJEIKERE ANTHONY.AGEYAN OKOLO JOHN, UCHENNA THOMAS OLADIPO TAIYE, SAMUEL OMOTAYO OLUWADAMILARE EBENEZER, O. ONYEGUKE CATHERINE, CHIMYENUM OTUADA AZINO, AKUBUEZE AUGUSTINE OJEKALE ADEJARE, AMOBI OKOLO OGOCHUKWU GIBSON OLADIPO EMMANUEL SUNDAY OLUWADARE AYO ONYEJI AMBROSE OKEKE OTUFOWORA HAKEEM ADEBOLA OJELABI DAMILOLA OKOLO STELLAMARIS, OLADIPUPO LUQMAN, OLAKUNLE OLUWADIPE MICHEAL, A. ONYEKACHI EKENE, OTUKOYA TAIWO OJELABI EZEKIEL, OLA OKOLO VIVIAN, KANWULIA OLADOGBA SAMSON OLAYINKA OLUWADIPE TEMITOPE, JOSEPH ONYEKWE ANAYO, ANTHONY OTULANA OLUGBENGA, KAMALDEEN OJELADE ADEBISI OKOLOCHA NGOZI NONYELUM OLADOKUN SUNDAY OLUWAFEMI BOSEDE, RACHEAL ONYEKWELI CHINWE, CLAIRE OTUN FIKAYO, OPEYEMI OJENIYI OLADAPO, ABAYOMI OKON AKPAN, JOSEPH OLAFIMIHAN ABRAHAM, OLAJIRE OLUWALANA JOSHUA OLUFEMI ONYEKWELU ANGELA IFEANYICHUKWU OTUNIYI AFISULAI, ADENIYI OJI CHRISTIAN CHIMEZIE OKON COSMOS BONIFACE OLAFINMIHAN ANTHONIA, TEMITOPE OLUWALANKE DANIEL, OLUMUYIWA ONYEKWELU CHARLES, TAGBOO OTUNNI YEMISI, AYO BAMIDELE OJIAKO NNENNA NGOZI OKON GABRIEL EMMANUEL OLAGBAYI BUKOLA, JUSTINA OLUWALOWO ADERONKE, ADEBISI ONYEMA LAWRENCE, CHIBUZOR OTUNWA ISRAEL N. OJIAKU OGBONNA, IBE OKON OKON, IRO OLAGHERE PATRICK O, AND OJINIKA OLUWARINA A, CORNELIUS ONYEMENAM SHEILA, OTUSI NICHOLAS, OJI-ALALA OJINTA, KINGSLEY OKON PRECIOUS NKECHINYELU OLUWASEUN ANTHONY, PEACE ONYENANIA JOSEPH UWAEZE OVEDJE OSCAR, EJOVWOKE ,LYDIA MR&MRS OJI-IKEME CLIFFORD EBERE OKONKWO ANTHONIA TOBECHUKWU OLAIDE MUFUTAU-DADA OLUWATIMILEHIN JOHN(PASTOR)&, SUSAN ONYENEMEZU SUDAY, J OVIA BABATUNDE TOKURA OJIKA JULIET ADJUAH OKONKWO CHIDIEBERE, LIVINA OLAITAN BABATUNDE SESAN OLUWOLE AKEEM, ADEKUNLE ONYENSOH EMMANUEL, EZE OVIE MICHAEL, OVWIGHO OJINI CHIMA JOEL OKONKWO EMEKA, THEOPHILUS OLAITAN OLADIPO OLUWOLE RICHARD, OJO ONYEOGUZORO NKEIRU, MERCY OVUORHO RICHARD, O'NYERHOVWO OJINMAH SYDNEY, CHIDI OKONKWO EMMANUEL, AZUBUIKE OLAITAN RAIMI AYINLA OLUWOLE SUNDAY AKINLOLU ADEGBOLA ONYEUKWU NDIDI, EBERECHUKWU OWARRI MUHAMMAD OJINNI NDUBUISI, OKONKWO FELICIA, OLAITAN SHERIFAT, TITILAYO OLUYADI RASAQ AYODEJI ONYIBOR PETER, NWAYO OWASANOYE OLUFUNSO OJISUA FESTUS ADEMOLA OKONKWO FRANCISCA, NONYE OLAITAN WAIDI OLUYEDE SAMUEL, AKINTUNDE ONYIMA BABY, D OWATE SAMUEL C OJO ABDULAI, NIMOTA OKONKWO IFEANYI, FRANCIS OLAJAIYE THERESA MODUPE OLUYEMI AYOTUNDE, MAYOWA ONYIMBA AUGUSTINA OBIAGELI OWIE ISOBOMUWA, STELLAMARK OJO ADETOLA, OLUNIYI OKONKWO JOSEPH NNANYELUGO OLAJIDE OLATUNBOSUN, OLUYIDE ALBERT ADEFELA OPADERE STEPHEN, ADEBAYO OWOEYE AFEOLUWA JOSE OJO AYORINDE, OLUBUKOLA OKONKWO OKECHUKWU, ANDREW OLAJUWON OLUWATOYIN, LORETTA OLUYIDE VENESSA ABIOLA OPARA CHINONSO, NANCY OWOEYE FARA ESTHER OJO BAMIDELE, EZEKIEL OKONKWO PATRICK, OLAKANYE FLORENCE OMOLOLA OMACHI PAUL, SHAIBU OPARA FELIX, OKPOMECHINE OWOEYE FOLAYEMI OLADIPO OJO DAVID BAYONLE OKONKWOR CONSTANCE NWAMAKA OLALERE DAUDA, AKINWUYI OMAFU JOSEPH, OCHE OPARA ONYEBUCHI, GEORGE OWOEYE MARY, ABOSEDE OJO IGIEBOR, KINGSLEY OKONMAH JOHN NWANNE OLALEYE ABDUL AZEEZ OMARE-DJUWOVWE ERERTEVWE, HENRY OPARA WILSON, HELEN IJEOMA OWOEYE OLADAPO, JOHN OJO JOHN OLAWALE OKONOFUA LUCKY, IRHIOGBE (PIF) OLALEYE OLUMUYIWA, (DR) OMATSULI TUOYO, OPATOLA JOSEPH, OGUNDEYI OWOEYE YEMISI AGNES OJO MARY, FUNKE OKONTA C.U.C, CHUKS OLAMIJU ROTIMI MUYIWA OMBU EBIAYE, VALERIE OPAWOLE ADUNOLA-FUNSHO OWOEYE-WISE ABIMBOLA B. OJO MICHAEL, IBIKUNLE OKOPOTOM BLESSING, FRIDAY OLAMIJULO CHRISTIANAH, ABOSEDE OMEJE WILSON, IKECHUKWU OPAWOLE JAMES AGBOOLA OWOJAKE CHARLES A. OJO OLUFEMI, J OKORIE CHISOMUNAZU OLAMIKAN ADEKUNLE, GABRIEL OMERE MARIA ITOHAN OPAYEMI TEMITOPE OLUFUNNTO OWOLABI AWEDA WASIU OJO OLUSEGUN, OKORIE CHUKWUEMEKA OLAMIKUN GLOBAL RESOURCES LTD OMERE NOSAYABA, NORAH OPE KUBURAT, ABIOLA OWOLABI GANIYU ADIO OJO OLUWASEGUN, OKORIE N E OLANIPEKUN ANTHONY OLUSEGUN OMERU JAMES OPEN WATERS INVESTMENT LTD OWOLABI ISHOLA ABDULLAHI OJO OLUWATOYOSI OLUWATOBI OKORIE PATIENCE, OLANIPEKUN GAFAR, ABIOLA OMIGBENLE ABIODUN, OPESAMI BOSE, OPESANMI OWOLABI JELILI AJAO OJO OMOROGIEVA, DR OKORIE ULONNAYA, RAWLINGS OLANIPEKUN OLUWAFISAYO OMILAKIN JAMES ALAMU OPIAH BEN, ARINZE OWOLABI KAYODE, SEGUN OJO OMOSALEWA, OLUTOKE OKORIE VICTORIA ADA OLANIPEKUN TAIWO, AKINLOYE OMILAKIN OLUSOJI, OPOKO CHILE CHARLES OWOLABI OLUFUNMILAYO OYENIKE OJO OSATOHANMWEN, OKORO ABEL OLANIRAN ABIODUN SUFI OMIYEDUN TRUST OMOLOLA OPOKO CHILE CHARLES OWOLABI OLUSEGUN S. OJO TOSIN SAMUEL OKORO AHAMEFULA ORISAKWE OLANIRAN ABIODUN SUFI OMOBUDE ERIC, OZIEGBE OPOOLA MURTALA, KOLAWOLE OWONIFARI DAVID ABIODUN OJO YINUSA KOLAWOLE OKORO ANGELINA UDEKWESI OLANITORI ABIMBOLA, OMOFULE OLU OBAPOLO OPUTTEH TIMOTHY, OWONTE MAGNUS HART OJOBE SAMUEL, SESAN OKORO BENSON CLINTON OLANIWUN AJAYI & CO OMOGBETHAI FAITH, OPUTU ONOKERHO OWOYELE SAMUEL, FOLORUNSHO OJODU KAMORUDEEN ADEGBOLA OKORO CELINE, CHINELO OLANIYAN BODUNRIN JIDE OMOIGHE STEPHEN, ODIASE ORADILO MATTHEW, CHINWENWA OWUCHUKWU G.C. OJOH TOYEEN, OKORO CHIOMA, JACQUELENE OLANIYAN DOLA ATOKE OMOJOWOLO SEUN, ADELEKAN ORAEKIE IFEANYI.T. OYADEJI VICTORIA OLUWAYEMISI OJOMO BASHUA, FEHINTOLA 2 OKORO FELICIA, NKECHI OLANIYAN OLUBUNMI OLAYINKA OMOJUGHARE ELOHO, FAITH ORAKA ANTHONY, ATOYI OYAHANYE SAMUEL, BOLA OJOMU OLUTOYOSI OKORO IJEOMA OLANIYI AYOOLA, ADEBOBAJO OMOJUWA ADEWALE, ORAKA UCHENNA, CHIJIOKE OYAJIDE ADEMOLA, SAMSON OJONIYI DEBORAH, OLAOLUWA OKORO JOSEPH, IFEONYE OLANIYI DEMILOLA OLAMIDE OMOKANYE HEZEKIAH, OYEWALE ORANAGWU DANIEL, CHIDI OYAKHIRE MARIA OJOOLA IDRIS ABIODUN OKORO NNAEMEKA NWODA OLANLOYE KEHINDE OMOKEKEH OSAGIE, EMMANUEL ORANEFO CHISOM, OYALANA OYEWUNMI OJOOLA MORUFU ADEKUNLE OKORO OCHUKO, JOSEPH OLANREWAJU ABIDEEN OLANIPEKUN OMOKHAGBOR PETER, SUNDAY ORANIKA AUGUSTINE, OYEBANJI OYEWALE, OLUSHOLA OJOOLA YUSSUF ABIODUN OKORO ONYEKACHI NDUBUISI OLANREWAJU DAVID, OLAYINKA OMOKHEOWA IKOGHENE, MIKE ORANU OBIANUJU, CONSTANCE OYEBO YEMISI GRACE OJUBANIRE ABDULAHI OKORO SYLVESTER, OLANREWAJU PETER, SUNDAY OMOLAJA ADEWALE, EMMANUEL ORANUSI WILFRED IKECHUKWU OYEBOLA AMOS SUNDAY OJUGBELE LAMINA AYINLA OKOROH BETTY, OGHALE OLANREWAJU YINUSA OMOLE AKINBOYE OLAWOLE OREBIYI SAMUEL OLUSOLA OYEBOLA TUNDE, TAJUDEEN OJUGBELE TAWAKALIT IBITOLA OKOROH PATRICK GODWIN OLAOFE TOLANI OMOMOH EDDY MUSA ORIHIE ALBAN CHUKWUEMEKA OYEBOWALE A. OLUWAKUNMI, NEE OJUMAH PATRICIA OKOROJI LINUS EZEALA EZEALA OLAOGUN SAMUEL OMONIGHO JULIET, ORISASONA ADEGBOYEGA, KOLAWOLE OJUMU MERCY, OLUKOREDE OKORONKWO ANTHONY, NWABUEZE OLAOLU-OLATINSU OYEYINKA, ESTHER OMONIJO BLESSING ORJI BASIL N. OYEDELE JAMES, OJURI JAPHET JAIYESIMI OKORONKWO CHIDI SYLVESTER OLAOLUWA WASIAT, AKOREDE OMONOSEH ONOME, GABRIEL ORJI CYNTHIA NDIDI AMAKA OYEDELE LEKE, GIDEON OJUTAIAYO OLUMIDE OKORONKWO UDOAMAKA OLAOPA OLUBUNMI, OMOREGHA ADEBANJO, ORJI FRIDAY, SIMEON OYEDIRAN AKEEM OKAFOR ANSEL, TOCHUKWU OKOSUN GAIUS, OLAOSEBIKAN TUNDE, OMORO ROWELL EBASEIMOKUMO ORJI GEORGE, CHIKEZIE OYEFESO ADEDOLAPO, IBIYEMI OKAFOR CHARITY, NKOLIKE OKOSUN OMOYE, OLAOSUN GEORGE OLATUNJI OMOROGBE ACTOR, IYOBO ORJI KELECHI, PATIENCE OYEKA ELOBIKE, ERNEST OKAFOR CHARLES, UCHE OKOTCHA PETER NGOZI-CHIKA OLAOYE ABDULKAREEM OLABANJI OMORUAN VINCENT, DELE ORKUMA DEVE, OYEKA SOLOMON OKAFOR CHIDIEBERE, EMEKA OKOTIE IFEOMA, STELLA MARIS OLAOYE JOHN, OLADUNMOYE OMORUYI ROSELINE, OROFO RICHARD, OWOLABI OYEKAN AYANNIYI OKAFOR CHIKA OKOTORE REGINA TENIADE OLAOYE OLUWASOLA OLUWASEUN OMORUYI SAMUEL, NKEM OROGUN OMUBOBA CAROLINE OYEKUNLE FELICIA OKAFOR CHIZOBA MICHAEL OKOULATSONGO CHRISTIANA, NGOZI OLAREWAJU AYISAT GBEMISOLA OMOSEBI KUNLE, OROJO ABIOLA ADETOKUNBO OYEKUNLE FRANCIS ABIODUN OKAFOR DANIEL CHUKWUKA OKOWI BENEDITA, UCHE OLASHORE OLADELE, OMOSEHIN BOLAJI COMFORT OROKI CLUB 20, OSOGBO OYEKUNLE MICHAEL, OYELAYO OKAFOR DENNIS, UDEGBUNAM OKOYE ANTHONY, IKECHUKWU OLASOPE AFOLABI, (OTUNBA) OMOTAYO OLUBUNMI, AYOTUNDE ORUCHE IZUCHUKWU, CHINEDUM OYELEYE FUNMILAYO, OKAFOR DONATUS, N. OKOYE IFEANYI, COLIN OLASOPE KIKELOMO, COMFORT OMOTOLA JELILI ADEBISI ORUKOTAN OPEYEMI, OLUFEMI OYELEYE PAUL, ADENIJI OKAFOR EBERE EMMANUEL OKOYE MADUABUCHUKWU .O OLASUNKAMI SAMSON KEJI OMOTOSO(DECD) OMOTOSO ORUPABO KENNEDY, DORE OYELOLA AZEEZ OLADEPO OKAFOR EMMANUEL OKWUCHUKWU OKOYE RAPHAEL, OLASUPO ISAAC, ABIODUN BABATUNJI(ADMOR) ROSALINE AJOKE OSADOLOR VICTOR, OYELOWO OLUWAFEMI, AMIRE OKAFOR GLADYS CHIAJUGHIM OKPALA CHINEDU ROBERT OLATUNDE CHRISTIANA OLUYEMI OMOWUNMI OLANIRAN FUNMI OSAGHALE MARYLIZ OSAGHALE OYENEYE SHAFI AKANBI OKAFOR OGUGUA OKPALA JOSEPHAT CHIMAOBI OLATUNJI HELEN, BUNMI ONAH KENNETH, ARINZE OSAGIEDE VBENEKHOYE, ELVIS OYENIYI OLUWAFEMI IDOWU OKAFOR PATRICK ISIAKU OKPALA STANLEY, OKWUDILI OLATUNJI ISAIAH AKINFEMI ONAH LAWRENCE IKECHUKWU OSAIGBOVO BENJAMIN, OSARETIN OYERINDE MOSES, TUNDE & PEACE OKAFOR PETER, IFEANYI OKPALAEKE MONICA, OLATUNJI NURENI SEMIU ONAIWU ABIEYUWA BLESSING OSANTA COMMUNITY BANK LIMITED OMOWUNMI OKAFOR SAMUEL, CLEMENT OKPAMA EMMANUEL OLATUNJI OLALEKAN ADEWALE ONAKOMAIYA OLUWAROTIMI, OSARIEMEN JAMES, OASZEE OYERINMADE MATHEW OYE OKAI EMMANUEL OKPARA DENNY UDENSI OLATUNJI OLAYIWOLA M. ONALESI ROTIMI, OLAWALE OSASA-JONAH VICTORIA OYESANYA IDOWU ADEBAYO OKAKPU STELLAMARIS OBIAGELIAKU OKPARA ONYELAKA GLADYS OLATUNJI VICTORIA, OLUSHOLA ONANAIYE OMOLARA, OLUBIMPE OSAYAMEH OLUFUNLAYO, OLUBAMBO OYESEGUN IDIAT, OLAJUMOKE OKALANWA GODSON OKPEPHIOHWU DANIEL KUIWUME OL-AVE (NIG) VENTURES ONANUGA JESUFEMI FAITH OSAYAMEH RAPHAEL, & BEATRICE OYESIKU OLAYIKITAN IBILOLA OKAMEME HENRY, EMEKA OKPESANOHWO NEWWORLD, OLAWORE NAHEEM, ALAO ONAOLAPO OLOLADE OSAYI OSAZUWA, IYOBOSA OYESORO RASHIDAT ATINUKE OKANDEJI OGHENEMARO JASMINE OKPO STEPHEN NNAMDI OLAWOYIN KAFFY ONASANYA TITILAYO LATEEFAT OSAYINGBE S.A OYETADE OLUREMI ANTHONIA OKANLAWON GANIAT, OLATOKUNBO OKPU PAUL ONYEMAECHI OLAWUYI ABDULGAZALIYU, ONASHILE HON. JUSTICE FOLARIN OSAYIWO MICHAEL, OMO OYETADE-SORUNKE SAMUEL OINTADE A OKARIE FRED AJIRI OKUBADEJO ADEBISI, A. OLAYANJU MOJIRADE, IDAYAT ONAWUNMI FEYISOLA ADUKE OSAZUWA GLADYS OYETAYO OLUSOLA OLAJIDE OKE BENJAMIN, SUNDAY OKUBADEJO OLUFUNKE, OLAYEMI OLAWALE ISAAC ONAYEMI IDIAT, ONAYEMI OSBORNE OLUREMI, AINA OYEWO OLUWATOYIN, OKE GABRIEL OLUWASANJO OKUNADE GBENGA, SAMUEL OLAYINKA FUNMILAYO, OLAWUNMI ONAYEMI OLUWABUSOLA SIKIRAT OSEGHALE EHINOMEN MARY OYEWOLE IBRAHIM, AKANNI OKE JIMOH, OKUNEYE OLUFOLAKE, OPEYEMI OLAYIWOLA ABD, FATAH ONEDIBE DANIEL, NNANEME OSEGHE ERIC, OYEWOLE JOKOTADE BAMIDELE OKE OLUMIDE, VICTOR OKUNGBOWA JEREMIAH, OLERU CYRIL, ONEJEME IFEATU, CHINEDU OSEMEKE OKECHUKWU, ALEX OYEWOLE NGOZI, DORIS OKE THECLA, UCHENNA OKUNOGBE DAVID, AKINOLA OLIH HENRIETTA, CHINENYE ONI ABEL AYANDO OSEMENE CRISTOPHER, CHUKWUELOZIE OYEWOLE OYEBODE OKE TIMOTHY, ADEMOLA OKUNOWO OMOTOYOSI OLISA ROLAKE JOSEPHINE ONI ADEJOBI, OSENI BASHIRU SHOLA AKANNI OYEWUMI MICHAEL AKINDELE .O. OKECHUKWU ARINZE CHARLES OKUNRINBOYE WALELOLA ENIOLA OLIVER ANIEMA, HELEN ONI COMFORT FOLUKE OSENI CLARKSON ABAYOMI OYEWUSI ADESHAKIN, IDOWU OKECHUKWU CHIDI, OKUNRINOLA BOSE, OLLEY ADOLPHUS AMARIGHOYE ONI EMMANUEL, OLUSHOLA OSENI HENRY, IZEHIOBE OYEYIOLA ADENIKE, OKEDUN HEZEKIAH, ADEDIRAN OKUNSERI MICHAEL, E. OLOFINNIKA AYOTUNDE CAROLINE ONI KEHINDE ADEYEMI OSENI MOJISOLA, A. OYIBOKE THERESA, AFOR OKEE-AGUGUO CHIOMA JENNIFER NENE OKUNSOLA CECILIA, OLUREMI OLOGAN OLUMIDE, JOSEPH ONI MORENIKE OLULOLA OSEWA OLUBANJO, OYILIAGU LAWRENCE, UDENNA OKEGBENLE SAMSON IBUKUNOLU OKUNSOLA OMOYEMI, DEBORAH F. OLOJOTUYI BAMIDELE, SEGUN ONI TAIWO ADELEKE OSHAFUNMI JOASH TAIWO OYINLOLA KOLAWOLE, ISAAC OKEKE ALOYSIUS CHUKWUDI OKUSAGA ATINUKE, OLOMI (IB), IREPODUN C.T.C.S. LTD ONI TOLUWALOPE OLADAPO OSHEVIRE UFUOMA, OYINLOYE OLUWASEUN OLUWAFERANMI OKEKE ANDREW CHUKWUMA OKUSAGA OLUFUNMILAYO, ADESOLA OLOMO B. OMOLARA ONIFADE ADEJIMI, OLADELE OSHEWA TH VEN.OLUBANJO OYOLOLA SIDIKATU OKEKE BASIL, NCHEDO OKUSANYA ABIODUN, MOTUNDE MONSURU OLOO ERAOBARI GLORY ONIFADE D, MOBOLADE OSHIGBESAN FUNSHO, OLAREWAJU OYOLOLA TIJANI ADEBAYO OKEKE EDWARD, OGBONNA OKUSANYA FRANCESCA ADERONKE OLORUNFEMI DORCAS OLUBISI OLAPERI ONIFADE DIRAN OSHIKOYA ADEDOTUN NEYE OYOM ANTHONY, ESO OKEKE EOC OKUSANYA OLAYIWOLA, OLADOSU OLORUNJOBI EDWARD KOLADE ONIFADE SOLOMON ADEMOLA OSHIN OLUREMI KOLAWOLE OZIENGBE AUGUSTINE, OSEME OKEKE IGNATIUS, EMEKA OKUSENOGU DAVY, OTUNUYA OLORUNNISOMO ROBERT OTUNOLA ONIGA PHILOMENA, MONUDEY OSHINGBOYE IBATU ABIMBOLA OZIOKO GABRIEL KELECHUKWU OKEKE IKECHUKWU ANTHONY OKUSOLUBO JOHN, OLUWAGBEMIGA OLORUNSOLA TOYIN, RAPHAEL ONIGBINDE OLUREMI, THOMAS OSHINYEMI GRACE MOJISOLA OZOIFEAKPAGH JIM OKEKE KANAYO JAPHET OKUTENYIE SAMUEL, ETUKUDO OLORUNTOBA OLUWAFEMI, FRANCIS ONIKE SHAKIRU, AKANBI OSHOKO OMOTAYO ABOSEDE OZOLUA DORIS, OKEKE LAWMAN, LAWRENCE OKUWOBI OLAYINKA OLOWO-OKERE ISAAC, KEHINDE ONIKEKU ADESINA, FATAI OSHOMEGIE AIGBOKHAODE, FRANCIS OZUAH PETER OKEKE MATTHEW, EJIKE OKUYEMI OLUWASEYI, TEMITOPE OLOWOYO ADEBISI SAMUEL ONIKIO VIRGINIA, MATTHIAS SAM OSHONIYI WENDY A. OZUWALU FRANCES, OBIANUJU OKEKE NNEKA, STELLA OKWARA EKE, UCHENNA OLOWOYO DANIEL, OPEYEMI ONIKOSI BISI MOJOYINSOLA OSHUNLOLA MARTIN, OLANREWAJU OZUZU KELECHI, OKEKE PATRICK, ANIDUMAKA OKWARA MICHAEL, OZOEMELAM OLOWOYO ELIZABETH, ADERONKE ONILOGBO SHERIFAT FOLASHADE OSIBODU BABATUNDE, OLUFEMI ALBERT PADONU KOFI, AJAYI OKEKE UCHENNA, OKWARAKU CHINENYE, OLOYEDE JOSEPH, ABIODUN ONIPINLA ADEMOLA OSIDIPE OLAJIDE EDWARD PADOV NIGERIA LIMITED OKEKEMBA CHUKWUKAODINAKA, PHOENIX OKWECHIME ANTHONY ELOKE OLOYEDE JOSEPHINE ADENIKE ONIRU ADESEGUN OSIFO ELDER, EDOMNONYI PALNAR YIELDS LTD OKELANA JOSEPH, OLATUNDE OKWECHIME ERIC, IFEANYI OLUBOLA OGUNLEYE YUSUF ONISEMO IDOWU KABIR OSIGWE ROSELINE ADA PARRADANG ANNAPANMUN OKELEYE OLUWAKEMI, ADENIKE OKWECHIME MARIAN, NGOZICHUKWU OLUBOLADE OLUWATOBA ONOCHA VWIEKPAMARE OSIKHENA-BOIH DONALD PARRADANG DAVID SHIKFU OKELOLA RACHAEL OLUFUNMILAYO OKWECHIME OSAYEME, EMMANUEL OLUBORI AYOBAMI, OLUWUNMI ONOCHIE CHARLES OSILI BATOKWU, THERESA PATRIC AKINWUNTAN, MR & MRS OKEME AROME DAVID OKWEDADI IFEANYI PATRICK OLUBUNMI ESTHER, ONOJUGO OBIORA OSIN OYINDAMOLA, DEBORAH PATRICK OSAYIMWEN, OKENE OGHENEOCHUKO OKWENI AUGUSTINE, O OLUDARE ISAIAH AYOOLA ONOKALA IJEOMA, OSINUBI ADEWALE, AMOS PCL - CAPITAL OKEOWO DAVID, O OKWEREKWU IFEANYI, GABRIEL OLUDE EPHRAIM OLUWOLE ONONWU NNAMDI, ROBINSON OSIYEMI ADENIYI, OLALERE PEACE SHEPHERD GLOBAL INVESTMENT OKERE JUDE, CHUKWUJINDU OKWODU PATRICK, NDUBUISI OLUDIMU JUMOKE, FUNKE ONOROH CYPRIEL OSOBA BABAFEMI O. LIMITED OKERE KINGSLEY TERRY OKWUASABA SYLVESTER CHUKWUKA OLUDIPE OLUSEGUN, TEMITOPE ONOROH CYPRIEL, OSOBA DAVID, OLAYINKA PEAKVIEW TUTORS OKERE VICTORIA, ONYEMAZUWA OKWUASABA VERONICA, OGUGUA OLUDOYI DAVID, SOLA ONOVUGHE OVIE, MOSES OSOMULE FELIX, ODAFIA GWUNI PEMII IMMACULATA ZIGA OKEREAFOR MICHAEL, CHUKWUNONYE OKWUBA THEODORE, NDIBIE OLUFADE ABIODUN, CHARLES ONOYIVETA ABDULAZEEZ, EJIRO OSONDU EBE OKO PENNFIELDS SECURITIES LTD OKEREKE AUGUSTA, NNENNAYA OKWUDIRE GOODLUCK, UGONNA OLUFON ELIZABETH, ADEKEMI ONOYIVETA ESE, JEMILA OSOPALE BABATUNDE ADEWUNMI PEPPLE STEPHEN, DAGOGO OKEREKE FRANKLYN OKORIE OKWUDU NNEBUOGOR NGOZI OLUFOWOBI FUNMILOLA, ONOYIVETA OVIE, MUSTAPHA OSOSANWO FOLAHAN, PETER ASENI FESTUS OKEREKE OBIAGELI, PRISCILLIA OKWUJIAKO JIDEAKO, CAJETAN OLUGBEMI FOLASHADE, ADUKE ONOYIVETA SALIM, O'TEGA OSSAI EMMANUEL, EMEDO PETER EVE, ATULE OKEREKE PETER AZU OKWUKE DICKSON LUCKY OLUGBEMI GILBERT, ISAAC TOKUNBO ONU ANIH PATRICK OSSAI JOY, EDEMAKHIOTA PETER IBRAHIM OKETOLA MATTHEW ADEBIMPE OKWUOKEI SIMON SUNDAY OLUGBEMI OLUBOWALE, OLUMIDE ONU ANIH PATRICK - OSSAI OLUSEGUN NKEONYE PETER IMO-ITA INIABASI OKEZIE CHINEDU OLA OLUBUNMI CAROLINE OLUGBODE OLUWASEGUNFUNMI, NKIRUKA ONUCHUKWU IFEANYI, TOCHUKWU OSSAI OSHIMILI PETER PETER, OKWA OKEZIE FEECHI, OLA OLUWASEUN, TEMITOPE OLUGBODI OMOWUNMI ONUIGBO UDOAMAKA, ONYEKWENA OSUAH HARRISON ONWUCHEKWA CHUKWU PETER SUNDAY, EWOMA OKHAE ORATOR, OLABISI ADEOLA FUNMILAYO OLUIKPE GODSON, NDUKAKU ONUKOGU OBIDINMA, FABIAN OSUHOR BENSON, EFERIUCHE PETERS MARIA, CECILIA OKHANI CHINDO J. OLABISI COMFORT OMOLARA O. OLUKANNI ABIOLA, ABRAHAM ONUMARA ATO LAW OSUJI JOSEPH OKECHUKWU PETERSIDE SODY DODD OKIKE NWABUGWU CHRISTIANA OLABISI WILLSON, OLATUNDE OLUKANNI RACHAEL OLAMIDE ONUOHA ANGELINA, CHINYERE OSUME RICHARD, PHILLIPS ABIMBOLA YEJIDE OKIOMAH MARY, OBIANIBERI OLABIYI OLUKUNLE, OLUKAYODE AGBOMABINI, S. ONUOHA BASIL, NDUBUISI OSUMUO ANTHONIA, CHIKWADO PHILLIPS CONSULTING LIMITED OKIOMAH ODAFE, RICHMOND OLABIYI SOLOMON, OLUYINKA OLUKEMI OLALEKAN, OLUSEYI ONUOHA BONIFACE CHUKWUEMEKA OSUNJIMI ISAC, MOFOLUWASO PIKUDA TOLULOPE, OLUBUNMI OKOAYE FOLASHADE, KUDIRAT OLABODE CHARLES, AYODELE OLUKOLE PHILOMENA, EGUAHEGBE ONUOHA CELESTINE, OSUNKOYA ELIZABETH FUNMILOLA PINI NUKA, OKODUGHA SUNDAY OSANYANDE OLABODE GLORIA, SERIKI OLUKOLU BIOLA, ONUOHA PRUDENTIAL, KELECHI OSUNKWO CHINEME, PIUS PHILIP STEPHEN
Ecobank Nigeria Report 2010 109 POLMER VENTURES LTD SEGUN-OSIFESO MARGARET OLUFUNMIKE SOWHO UFUOMA IGHO TUODOYE MATTHEW, EBIYEIBO UHUEGBU GRACE, UWADIA ONAH, VICTOR POPOOLA ABIODUN OLANIYI SEGUN-OTA JEREMIAH TUNDE SOWUNMI AWOLOWO, TURAJ ROSELINE IYE UJAH S, UJAH UWADIAE VICTORIA, ORIRI I. POPOOLA ADEBISI GBEMISOLA SEMOWO RACHEL, ADETOWUN SOYEMI ADEBAYO E. TYOZUA AMOS, MSUGHTER UJATA EDIGA, AGBO UWAGBOE VICTOR POPOOLA FRANCIS, OLALEKAN SENKOYA ABIDEMI, OLUWOLE SOYENMI OLADAPO UAYEMEN EBOREIME LEKY UJI CAROLINE, NYIEPINE UWAIFOH EHI, POPOOLA ISAAC OLUFEMI SESSI BENEDICT ADESOLA SOYINKA RICHARD OLUSANJO UBA SOPHIE, UJUMBA C., EMMANUEL UWAKHONYE MOSES POPOOLA LEKAN SESSI MODUPE OLUYOMI SOYINKA-ONIJALA MOREMI UBA PLC/DE-LORDS SECURITIES LTD- TRDNG UKACHI EMMANUEL OBIOMA UWAKWE NNENNA, G. PRATT AKINTOMIWA SETONDJI GBENAHOU PAULIN SSCM-MOHAMMED BELLO SANI UBA STOCKBROKERS LIMITED UKAULOR JOE UWECHIE MADU, RAPHAEL PREMIUM SEC. LTD.-TRADED-STOCK-A/C SFC PROPERTY LIMITED-SPL STEPHEN RICHARDS UBAEZUONU CHRISTIANE UKEJE CHUKWUEMEKA, ENYINNA UWECHUE GEORGE NWOKOCHA PRINCEWILL NDERIYA BESSI SHABRINCO NIG. LTD STERLING CAPITAL MARKETS LTD UBAH CLETUS, C UKENNA JEFFREY IFEANYICHUKWU UWISIKE UFUOMA, WILSON PROGRAMOS SOFTWARE LTD SHAFIU NURA, MADAWAKI STEWART KATE, EMWINGHARE UBANGHA SUNDAY USANG UKO KAZIE, UWODI HUSSAINI, PAUL PRUDENTIAL GUARDS LIMITED SHAIBU ENEBE, GLORY STK INDUSTRY LIMITED UBANI CHIDI, UKAEGBU UKO PETER CHUKWUDI UWOGHIREN HAPPINESS, Q-TRESURE INVESTMENT LTD SHAIBU JAMES, C. STRUCTURED VENTURES LLC UBANI GLORY NWANYIOMA UKO GEORGINA UYAMMADU CHIBUZOR, EBELE QUADRI AYODELE A. SHAKIOYE JEMILAT OLAIDE SUD RAKESH, UBBAONU NNENNA JOY UKO-AFIA ISAAC GABRIEL UZAN YAAL, QUADRI STELLA, OBIAJULU SHANU COMFORT, SULAIMAN TIJJANI, UBIAGBA KENNETH, OSSAI UKOH NKECHINYERE, UZOECHI EUGENIA, QUADRI ZAINAB, ATINUKE SHEHU SAIDU AWAK SULEIMAN DANASABE, LAWAL UBOCHIOMA EMPEROR, UKOME EMEKA, MICHAEL UZOECHI EUGENIA, NDUKAKU QUANTUM SEC. LTD/DIAMOND BANK PLC SHEHU INUWA MOHAMMED SULEMAN ABDULRASHEED, MUSA UBOM ABASIAMA EFFIONG UKOMI CHRISTOPHER, ROBSON UZOEWULU DANDYSON, BENSON RADDA ABUBAKAR, ABDULLAHI SHEKONI ADEMOLA SULINOS VENTURES LIMITED UCHE LAZARUS, ODIONYENFE UKOMI SARAH, CHRISTOPHER UZOIGWE IGNATIUS RAFINDADI LAWAL, BALELE SHERRY-TRADE INVESTMENT COMPANY LTD SUMMIT FIN. COY. LTD.TRADED-STOCK-A/C UCHE-AGU STELLA, NEE OGOCHUKWU UKOR JOSEPH UZOKA JAMES AKWUDINUNOR RAHEEM OLAWALE, WASIU SHETTIMA KASHIM, SUNMONU HUSSAFIA KIKELOMO UCHEGBU CHINENYE, EBERECHI UKOR NNAMDI, COSMAS UZOKA SAMUEL, ISINYE RAHIM KADIRI, ATANDA SHINKAIYE JOHN, KAYODE OLAJUMOKE UCHEGBUE PETER, IWEJUO UKOTAK INAM, UKO UZOMA MAVIS, RAJI ABDUL QUADRI SHINKAIYE KAYODE SUNMONU HUSSEIN OYEKANMI UCHENDU CHARITY, NGOZI UKPAKA AFOMA, UZOMURU MAURICE, CHUKWEMEKA RAJI MUSBAU, ABIODUN SHINYI SEWUESE, VIVIAN SUNMONU RILIWAN, OLAJIDE UCHENDU KANARIO, CHRIS UKPAKA MAUREEN, CHINELO UZOR GERALD, OSONDU RAJI OLUWADUMININU, OLUWATENIOLA SHITTU ALADE, TAOFEEK SURAKAT ABDUL GANIYU UCHENDU OBI AUSTIN UKPAKA SIMON MADUAKONAM UZOWIHE CLEMENTINA, NKECHI RAJI TEMITOPE, JUDE SHITTU SIMIATU ADEJOKE SURE PERFORMANCE LTD UCHE-OJUKWU NNEKA, ESTHER UKPE TEMITOPE, TOYIN(MRS) UZOWURU NICOLAS NWABUEZE RANC LIMITED SHITTU SULEMAN ABIODUN SUTTON AYODIPUPO MICHEAL UCHEWUJO IKENNA UKPEBOR OMONGBOHU, PAULINE UZOZIE CHINYERE, SANDRA RANDLE PELUMI, CHARLES SHITTU TITILOPE, IFEOLUWA SYLVANUS TONYE, SAMUEL UDAH UKEJE, UCHECHUKWU UKPETENAN FRANCIS, AYEMHENRE UZUEKWE LEVISON, M RAPHAEL MARSHALL SHITU FATAI, OLASUNKANMI SYNERCOM LIMITED UDE ONYINYECHU, CAROLINE UKPONG ELIJAH, UDO UZUM NELSON IFEANYI RAPU NKOYO, ODO SHITU FEMI, T.J. PENNY NIGERIA LIMITED UDEAGHA OBINNA UKPONG FRIDAY JACOB VALUE MATRIX LTD RASHEED DINA, SHIYANBOLA ABDURAHEEM ADIO TADO EKELE, KINCLEY UDEGBE DORIS IMOBIYE UKPONG MARGARET AKPAN VIANANA KITCHENER RAYMOND AKOKO & CO SHOBANJO YEWANDE, OLAJUMOKE TAFRI ONORIODE ONYEMAECHI UDEGBULAM MOSES UKPONG SUNDAY, VIDJOGNI-JOSEPH JOHN F. REDSHIFT NIG LTD SHOBOWALE SEMIU, ADESINA TAIRE CAROLINE, OBUKOKWO UDEH ALPHONSUS, CHIBUEZE UKPONG UMO CLETUS VINCENT ABIOLA ANTHONIA RENIX NIGERIA LIMITED SHODEINDE DUNNI, FOLASHADE TAIWO ABIODUN, ABDULLAHI UDEH CHUKWUEMEKA, FRANKLINE UKPORHE AUSTIN, JOHN VOGT M E RESORT SAVINGS & LOANS SHODEINDE MICHAEL, OLORUNSOGO TAIWO ADE.AKANNI UDEH JOSEPH, NDUBUISI UKUANOVWE BRIDGET WAAPELA NINA, PERPETUA RESOURCE ENGINEERING AMALGAM SHODIMU OLUSANJO, ABAYOMI TAIWO AGBOOLA, FRANCIS OLUMAYOWA UDEKA JOHN IZUKANANWANNE UKUANOVWE RITA WADIBIA JOHNPAUL UGORJI LIMITED SHODIPO ALICE, OYINLOLA TAIWO BAMIDELE ADESHINA UDEMEZUE NNAEMEKA, BENARD ULELU EBERE, JANE WAHAB FATAL, ABIODUN RICMAR NIG. LTD SHOGBANMU OLUSEGUN OLUFEMI TAIWO GBEMISOLA, OLAJUMOKE UDENKWO AMARACHI, ULUOCHA LUCY WAHAB OMOTOSHO, RIMANS MARTINS MARPHUM SHONAIKE VICTOR ODUNBAYO TAIWO OGUNSHOLA, WALE UDENNAKA IFEANYI EMMANUEL UMAH CHINOMSO, MIRACLE WAILU MOHAMMED, DAUDA ROBERT LOUIS CHIKAODI SHONDE GIDEON, OLUDOTUN TAIWO OLUSHOLA, MATTHEW UDENSI OYEDIYA, OSOGHO UMAH UKOH MAURICE WAKAWA AYUBA, STEPHEN ROMLUYI OLABODE, CLEMENT SHONIBARE JIMOH ALAMU TAIWO TEMITOPE, KUDIRAT UDENSI PATIENCE NNENNA UMAJIE IPALIBO, SOCIAL WALTER MICAH ANDEM ROTIBI OLUREMI, SHONIBARE JUSTINA, OMONEGHO TAIWO MUTIAT OLUWAFUNMI UDEOGU CHIOMA, MARYROSE UMANA EDET MBOT WECO SYSTEMS INT'L LTD ROTIMI MICHAEL OLUWASEYI SHONOWO MICHAEL KOLAWOLE TAJUDEEN ABDULRASAQ, UDEZUE STEPHEN, IKECHUKWU UMANA IKANKE WELLSTOCKED NIG.LTD ROTIMI MODUPE ADE GRACE SHONUBI ADEBISI, TAM NOMINEE LTD 5001 UDIGWE AMAKA, ETHEL UMANAH ISAAC MOSES WHILEY MARGARET, EBERE ROYAL ESTATE LTD SHONUBI ADENEYE, TANKO WILLIAMS UDIN SAMSON ARIGHORE UMAR AHMED, WILCOX HENRY, KALADA RUFAI CORNELIA, ENO SHONUBI FOLASODUN ADEBISI TAPERE MARIAM, OYINKANSOLA UDO - AKAGHA SAM UMARU AIGBODION, WILCOX KEVIN, A RUFAI HALIMAT OLANREWAJU SHONUBI FOLASODUN ADEBISI TAPOL INT'L LIMITED UDO ETOP, PETER UMARU DAKAYA YAHAYA WILLIAMS AJUWAEZE FRANCIS SABIYI BARANZAN GODFREY SHOPADE ADEJIMI, TARFA AMINA, ALIYU UDO MOSES, JAMES UMARU DINATU WILLIAMS BABATUNDE, ADEBAYO OLATUND SADIKU GEORGE BABASEGUN SHOPADE ADENIKE, TARNONGU DOMINIC, ULAM UDO ONYEDI UMARU IBRAHIM, WILLIAMS CHIDINMA CHARITY PRINCESS SADIKU KAZEEM AKINTUNDE SHOPADE YETUNDE, CHRISTY TASIE CHIJIOKE, UDOBI ANGELA, CHINYERE UMEANO JEREMIAH, CHUKWUEELIE WILLIAMS MACCS CHIMEHURA SADIKU MUIBI OLAYINKA SHOWUNMI NOAH, ENI-ITAN TASSIE STANFORD UDOCHU OGBONNAYA, UMEANO MOSES, UCHENNA WILLIAMS NNEKA, YINKA SADIQ SHAKIRU ALADE SHOYEBI TITUS OLUJIDE TAYO ADESOJI UDOCHUKWU GIFT, UMEH FAVOUR TOCHUKWU WILLIAMS ORIYOMI SAFELINE NIGERIA LIMITED SHOYELE JULIUS OPAFEMI TEJUOSO JOHN OMOWUMI UDOFFA UDEME, C UMEH MIRACLE CHINAZA WILLIAMS UWOM EMUGHEDI SAFIRIYU KAREEM, AKANMU SIDI MOHAMMED ABDALLAH TELLA BOLANLE UDOFIA DAVINA ANGELA UMEHA CHUKS IROANUONWU WILSON IKECHUKWU, FORTUNE SAFIU AKEEM OLALEKAN SIMEON LEYONI INKO BIOBARA TELTA YAKUBU, DAVID UDOFIA EMMANUEL, UMEILECHUKWU BETHRAM CHIBUZOR WILSON-ADU OLUWANIFEMI, SAJATO OPTICAL CENTRE SMART CITY, TEMITUOKPE JEMIDE, UDOFIA ISAIAH, EMMANUEL UMEOBI EKOBA AMAKA .H. OLUWADAMILOLA SAKA ISIAKA, MOGAJI SMART DIGITEC INTEL EXIM LTD TEMM CONSULTING LIMITED' UDOH ABASI ANAMNSAKI SOPHIA UMEZURIKE STELLA, KALU WILSON-ADU OLUWANIMOFE .O. SALAHUDEEN BALQUEES KEMMY SMITH TAIWO, TENNYSON HELLEN, FREGENE UDOH ANIETIE, EKANEM UMOH BASSEY DANIEL WINSALA LADIPO, Z. SALAKO SABURI, SOARES PRISCA TETEGAN ERIC HABIB TOLULOPE UDOH CHARLES SEBASTIAN UMOH EMMANUEL, WINSALA OLABODE, BAYONLE SALAMI JOHN, OSITE SOBAMIWA OLADUNNI RONKE TFS SECURITIES & INVESTMENT CO LTD UDOH DANIEL, WILLIAMS UMOH EMMANUEL, EFFIONG WOHEREM MAGARET, PATRICIA SALAMI RASHEED, OMOTAYO SOBAMIWA OLUFEMI 'DIPO THAMAL INDUSTRIES LTD UDOH EMEM LAWRENCE UMORU AMINETU MELODIA WOJUADE ESTHER OMOYIADE SALAMI SIKIRU I ADISA SOBANJO ADELANI ADEDEJI THE BREADFRUIT ARK FELLOWSHIP UDOH IME, BASSEY UMORU MAHMED, MAX-CUNTS WOMILOJU IFEOLUWA, SALAMI WAHAB ADEWUMI&AFOLAYAN SOBOGUN FELIX DOTUN THE EST OF LATE SAMUEL OLADEJI A. UDOH INIAMA, K0KO UMUNADE OGHENETEGA, MARVIN WOMZY NIG LTD ADEBISI SOBOLA JESUNFUNIFEMI, MIRACLE ADELEKE UDOH UWEM, SUNDAY UMUNNAKWE ANGUS, ADINMA WONDERS CHINWE, LETICIA SALAUDEEN LATIF, AYODELE SOBOWALE FOLASHADE, OMOWUNMI THE EST. OF LATE ADETUNJI TUGBOBO UDOSEN ABIT SUNDAY UMWENI JOSHUA, EHIREMEN WOPHILL RANKIM, SALAWU ABEKE MUINAT SOBULO MORAKINYO THE ESTATE OF AJETUNMOBI, RAPHAEL UDOUSORO TAHIRIH EMMANUEL UNACHUKWU CHAMBERLHIH, WORIKA IBIBIA LUCKY SALAWU MOHAMMED SOBULO TUNDE M THE ESTATE OF OGUNBERU, GABRIEL TUNJI UDOUTUN GLORY, ALEXIUS OKWUCHUKWU WOY MESEL, TERRY SALAWUDEEN RASAKI AKANMU SODE OLUSESAN THE ESTATE OF LATE JOSHUA N. OYABAYO UDUEBOR EDEGHONGHON, JOAN UNACHUKWU OKECHUKWU, EMMANUEL WUSHISHI OLAYINKA SUBUOLA SALIHU ABDUL QADRI YUSUFF SODIMU ISAIAH, AKANNI THE ESTATE OF LATE MICHAEL, OSUME UDUMA OKORIE KALU UNAEGBUNAM NKOLIKA SCHOLASTICA YAHAYA MUSTAPHA, SHERIFF SALIHU SULE DANLADI SODIPE IFETAYO, OLUWOLE THE INVESTOR GROUP UFEBE LAWRENCE UNAMMA RAYMOND PAUL A YAKUBU ABUBAKAR MOHAMMED SALISU PETER, AIYEDU SODIPE OLAREWAJU MATTEW THEOPHILUS OLUMUYIWA, ADESINA UFEBE LAWRENCE, UNDIE MARYANN, AMOKEYE YAKUBU FASASI, OLORE SALTAWAY LIMITED SODIPE MORENIKE MARY THOMAS ENEFIOK, ETIM UFOMADU NKIRU, UNIMI JONATHAN ENEMAKWU YAKUBU MOMODU, SAMPLE VIRGINIA, SODIPO AYOKUNLE, THOMAS MOROHUNRANTI OLAOLUWA A. UGBE NGWUGWU, AYE EMMANUEL UNOGU UDOKA, YAKUBU SULEIMAN SAMPSON NKOYO, EYO SODIPO BABATUNDE, ADEBAYO THOMAS WILLIAMS BABATUNDE UGBEBOR JAMES EGUGU-OBA UNONEME CHIJIOKE, PETER YAKWO BITRUS ISAAC SAMUEL OLUWAKEMI BOLANLE SODIPO-OKIKIOLA GLADYS OLUBUKOLA THOMPSON JOSHUA, EBONG UGBO RICHARD, UNUBUN MARGARET YANGA BELINDA, DOUBARA SAMUGANA CYLINE UMO SODIYA GLADYS ADETORO THRIFT BARN INVESTMENTS LTD. UGBOGU MARKLENE CHINATU UNUGBOKE LOVETTE, YANGA EBIYE, L. SANGOWAWA OLUFEMI SOFOWORA OLUWAFIKAYO KEHINDE TIAMIYU BISOLA, MODINAT UGHERUGHE JOSEPH EDIRI URHOBO EVELYN OMAWUMI YANGA GEOFFREY, W. SANGOWAWA OLUWATIMININU SOFUYE ADEGBENGA OLUFEMI TIAMIYU GAFARU, OLATUNJI UGOCHUKWU LEROY, NNAEMEKA URUA INI, JOHNSON YANGA TARI, SANGOYINKA SUNDAY, ABIODUN SOKOYA OLAJIDE, TIJANI BOLANLE, MORAYO UGODIBE INNOCENT, CHIKAODIRI USIAGWU OSAMUDIEMEM, FRANCIS YAWALE MOHAMMED SANI DANGANA, SOKUNLE EMMANUEL, BABATUNDE TIKARE OLUKAYODE, LUKE UGOMOH EVANS CHUKWUDI USIKAIYE EBENEZER, DABO YEKINI MORUFU SANNI GANIYU, KAYODE SOLAF VENTURES TIMI-LAWAL SULEMON ALAO UGORJI CYNTHIA, CHIUDO USMAN GIDEON, NACHE YERIMA LAURA, S. SANNI SUNDAY, SOLAFAK TOBI EJIH, UGORJI DONATUS CHIDI USMAN HADEJIA, ALIYU YESUFU HALIRU, IGBAFE SANUSI ALAKE, RUKAYAT SOLANKE SAMUEL, TEMITOPE TOBUN M O T OLAYIWOLA UGOWE ANTHONY, OSADOLOR USMAN ISIAKA YOOSUF IBIRONKE AINA SANUSI OLANIKE, SILIFAT SOLA-ODESEYE OLAITAN TOGUN MOJISOLA ADEBAYO UGWOKPE IFEANYI, KINGSLEY USMAN JUMMAI BALARABE YOUNG CHINYERE SANYADE-IBIKUNLE FELICIA O. SOLARU ADEKUNBI BOSEDE TOKAN-LAWAL FOLASHADE UGWU CELESTINE CHINEDU IGWEBUIKE USMAN RISIKAT, MOJIRADE YOUNG ROMANUS USEN SAVAGE BABATUNDE SOLOMON BLESSING TOMBRI MAKAIVA, ABIOKO UGWU CHRIS ANIOGOLU USMAN TAHIRU YUNUSA ADIGUN, RASAK SAVANNAH VENTURES LTD SOLOMON OLUWOLE TIMOTHY TOPE OJO & TUNDE OLONISAKIN ESTATE UGWU CYRIL ONWUAMAEZE USMAN TITILOPE, RAHMOT YUNUSA SALAMATU, SAYEGH MARYANNE, ADETOKUNBO SURVEYORS & VALUERS UGWU GODSPOWER, IYKLEE USO UBONG, ENO YUSSUF OMOLARA, TOYIBAT SCHLUMBERGER STAFF COOP. SOCIETY SOLOYE ADEBOLA TOPGRADE SEC SCH COOPERATIVE SOCIETY UGWU IGBONEKWU, EVANS USORO PATRICK JOSEPH YUSUF OMOTOLA, IBRAHIM SDS SW/BLUEOCEANS CAPITAL SONDE OLUFEMI, G. TORUKURU GODSON MARK UGWU IGNATIUS USUAGWU BEATRICE HAPPINESS YUSUF OZOVEHE JOSHUA SDS SW/OBOMEILE ABDULWAHAB SONDE S. AGBEKE TOWEH LARRY UGWU LAWRENCE, OKAFOR USYIZORTO GADI YUSUF RAMON AYINLA OHIORENUAN SONEYE ODUNAYO, SAMUEL TOWER SECURITIES & INVESTMENT CO LTD UGWU MATHEW, UCHENNA UTC PENSION FUND ZION RESOURCERY INTL LTD SEASONS TRUST & INVESTMENTS LTD. SONUGA ODUNLAMI OLUMUYIWA TOYE LAWAL, RAUF UGWU OKWUDILI UTE-OBUSEH IJEOA, O. FRANK - JR ZUBAIRU ABDUL, GIDEON SECTRUST ASSET MGT-ETF SONUKAN DORCAS, ABOSEDE TRADE LINK FIN.-DEPOSIT A/C UGWU UCHENNA, MORRIS UTOMAKILI BENJAMIN CAPTAIN ZUBAIRU DAVID, SAMBO SECURITY ASSURANCE COMPANY LTD SOSANYA TINUADE OLUSOLA TSADO ESTHER, MAMMAN UGWUEGBULAM CHIKWEM CORNELIUS UTONG BENJAMIN, ANTHONY SEEM TRUST LIMITED SOWEMIMO ADEWALE, TUEDOR MICHEAL, METSEAGHANRUN UGWUZOR CHURCHILL, NKIRU UTUK EMMANUEL SUNDAY
110 Ecobank Nigeria Annual Report 2010 Holding Company and Subsidiaries
Group Office: Ecobank Transnational 11. The Gambia 21. Rwanda 31. EBI SA Groupe Ecobank Incorporated 42 Kairaba Avenue Plot 314, Avenue de la Paix Les Collines de l'Arche, Immeuble 2, Avenue Sylvanus Olympio P.O. Box 3466 P.O. Box 3268 Concorde F, 76 route de la Demi-Lune B.P. 3261, Lomé – Togo Serrekunda – The Gambia Kigali – Rwanda 92057 Paris La Défense Cedex Tél. : (228) 221 03 03 / 221 31 68 Tel: (220) 439 90 31 – 33 Tel: (250) 252 503580 – 8 France Fax : (228) 221 51 19 Fax: (220) 439 90 34 Fax: (250) 252 50132 Tél. : (33) 1 70 92 21 00 1. Bénin 12. Ghana 22. São Tomé e Principe Fax : (33) 1 70 92 20 90 Rue du Gouverneur Bayol 19 Seventh Avenue Ridge West Edifício HB, Travessa do Pelourinho 32. Ecobank South Africa 01 B.P. 1280, Cotonou – Bénin P.O. Box 16746 C.P. 316 Representative Office Tél. : (229) 21 31 30 69 / 21 31 40 23 Accra North – Ghana São Tomé – São Tomé e Príncipe 4 Sandown Valley Crescent Fax : (229) 21 31 33 85 Tel: (233) 0302 68 11 66 – 67 Tél. : (239) 222 21 41 / 222 50 02 4th Floor, Sandton 2196 2. Burkina Faso Fax: (233) 0302 68 04 28 Fax : (239) 222 26 72 Johannesburg – South Africa 49, Rue de l’Hôtel de Ville 13. Guinée 23. Sénégal Tel: (27) 11 783 6197 / 6431 / 6391 01 B.P. 145 Immeuble Al Iman Km 5, Avenue Cheikh Anta DIOP Fax: (27) 11 783 6852 Ouagadougou 01 – Burkina Faso Avenue de la République B.P. 9095 - CD 33. Ecobank Dubai Tél. : (226) 50 33 33 33 / 50 49 64 00 B.P. 5687 Dakar – Sénégal Representative Office Fax : (226) 50 31 89 81 Conakry – Guinée Tél. : (221) 33 859 99 99 Level 26d, Jumeirah Emirates Towers 3. Burundi Tél. : (224) 30 45 57 77 / 76 Fax: (221) 33 859 99 98 Shaikh Zayed Road, P.O. Box 29926 6, Rue de la Science Fax : (224) 30 45 42 41 24. Sierra Leone Dubai – UAE B.P. 270, Bujumbura – Burundi 14. Guinée-Bissau 7 Lightfoot Boston Street Tel: (971) 4 327 6996 Tél. : (257) 22 22 63 51 Avenue Amilcar Cabral P.O. Box 1007 Fax: (971) 4 327 6990 Fax : (257) 22 22 54 37 B.P. 126, Bissau – Guinée-Bissau Freetown – Sierra Leone 34. Ecobank Angola 4. Cameroun Tél. : (245) 320 73 60 – 61 Tel: (232) 22 221 704 / 227 801 Representative Office Boulevard de la Liberté Fax : (245) 320 73 63 Fax: (232) 22 290 450 Rua dos Coqueiros Nº 13 B.P. 582 15. Kenya 25. Tanzania Bairro dos Coqueiros, C.P 25 Douala – Cameroun Ecobank Towers Karimjee Jivanjee Building Luanda – Angola Tél. : (237) 33 43 82 51 – 53 Muindi Mbingu Street Sokoine Drive Tel: (244) 222 372 904 (237) 33 43 84 88 – 89 P.O. Box 49584, Code 00100 P. O. Box 20500 35. Ecobank Development Corpora- Fax : (237) 33 43 86 09 Nairobi – Kenya Dar-es-Salaam – Tanzania tion (EDC) 5. Centrafrique Tel: (254) 20 288 3000 Tel: (255) 22 213 7447 2, Avenue Sylvanus Olympio Place de la République Fax: (254) 20 224 9670 Fax: (255) 22 213 7446 B.P. 3261, Lomé – Togo B.P. 910 16. Liberia 26. Tchad Tél. : (233) 21 25 17 23 Bangui – République Centrafricaine Ashmun and Randall Street Avenue Charles de Gaulle Fax : (233) 21 25 17 34 Tél. : (236) 21 61 00 42 P.O. Box 4825 B.P. 87 36. EDC Investment Corporation Fax : (236) 21 61 61 36 1000 Monrovia 10 – Liberia N’Djaména – Tchad Immeuble Alliance, 4ème étage 6. Cape Verde Tel: (231) 727 72 77 / 697 44 94 – 6 Tél. : (235) 2252 43 14 / 21 Avenue Terrasson de Fougères Praça Infante D. Henrique, Nº 18 Fax: (231) 701 22 90 Fax : (235) 2252 23 45 01 B.P. 4107 – Abidjan 01 C.P. 374 / c Praia 17. Malawi 27. Togo Côte d’Ivoire Santiago – Cabo Verde Ecobank House 20, Avenue Sylvanus Olympio Tél. : (225) 20 21 10 44 / 20 31 92 24 Tel: (238) 260 36 60 Corner Victoria Avenue B.P. 3302 Fax : (225) 20 21 10 46 Fax: (238) 261 10 90 and Henderson Street Lomé – Togo 37. EDC Stockbrokers Limited 7. Congo Private Bag 389, Chichiri Tél. : (228) 221 72 14 5 Second Ridge Link, North Ridge Rond point de la Coupole Blantyre 3 – Malawi Fax : (228) 221 42 37 P.O. Box 16746 B.P. 2485, Brazzaville – Congo Tel: (265) 01 822 099 / 808 / 681 28. Uganda Accra North – Ghana Tél. : (242) 600 04 04 / 547 00 35 Fax: (265) 01 820 583 Plot 4, Parliament Avenue Tel: (233) 21 25 17 23 / 24 8. Congo (République Démocratique) 18. Mali P.O. Box 7368 Fax: (233) 21 25 17 20 Immeuble Future Tower Place de la Nation Kampala – Uganda 38. EDC Securities Limited 3642 Boulevard du 30 Juin Quartier du Fleuve Tel: (256) 417 700 100/ 102 Plot 21, Ahmadu Bello Way B.P. 7515, Kinshasa B.P. E1272 Fax: (256) 312 266 079 P.O. Box 72688, Victoria Island Gombe – RD Congo Bamako – Mali 29. Zambia Lagos – Nigeria Tél. : (243) 99 60 16 000 Tél. : (223) 20 70 06 00 22768 Thabo Mbeki Road Tel: (234) 1 761 3833 / 761 3703 Fax : (243) 99 60 17 070 Fax : (223) 20 23 33 05 P.O. Box 30705 Fax: (234) 1 271 4860 9. Côte d’Ivoire 19. Niger Lusaka – Zambia 39. EDC Asset Management Immeuble Alliance Angle Boulevard de la Liberté Tel: (260) 211 250 056 – 7 Immeuble Alliance, 4ème étage Avenue Terrasson de Fougères et Rue des Bâtisseurs (260) 211 250 202 – 4 Avenue Terrasson de Fougères 01 B.P. 4107 – Abidjan 01 B.P. 13804, Niamey – Niger Fax: (260) 211 250 171 01 B.P. 4107 – Abidjan 01 Côte d’Ivoire Tél. : (227) 20 73 71 81 – 83 30. Zimbabwe Côte d’Ivoire Tél. : (225) 20 31 92 00 Fax : (227) 20 73 72 03 – 04 Sam Levy’s Office Park Tél. : (225) 20 22 26 68 Fax : (225) 20 21 88 16 20. Nigeria 2 Piers Road, Box BW1464, Borrow- 40. eProcess International SA 10. Gabon Plot 21, Ahmadu Bello Way dale, Harare, Zimbabwe 20, Avenue Sylvanus Olympio 214, avenue Bouet, 9ème Étage P.O. Box 72688, Victoria Island Tel: (263-4) 851642-9 , 852252-69 B.P. 4385 B.P. 12111, Libreville – Gabon Lagos – Nigeria Fax: (263-4) 851630/9 Lomé – Togo Tél. : (241) 76 20 71 / 76 20 73 Tel: (234) 1 2710391 – 5 Tollfree: 0803 2 800 000 Tél. : (228) 222 23 70 Fax : (241) 76 20 75 Fax: (234) 1 2616568 Fax : (228) 222 24 34
Ecobank Nigeria Report 2010 111
Ecobank Nigeria Plot 21, Ahmadu Bello Way P.O. Box 72688, Victoria Island - Lagos - Nigeria www.ecobank.com