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Africa's Global Bank

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Africa's Global Bank Africa’s Global Bank To be a role model for African businesses by creating superior value for all stakeholders, abiding by the utmost professional and ethical standards, and building an enduring institution. Mission To be the undisputed leading and dominant financial services institution in Africa Vision With the Bank’s migration from universal banking to monoline commercial banking in line with regulatory requirement, UBA provides Commercial Banking, Pension Custody and Related Financial Services to its over 15 million corporate, commercial and retail customers, served through various channels. Who We Are UNITED BANK FOR AFRICA Annual Report and Accounts 2018 3 Corporate Profile Corporate Profile 8 7 Directors’ Profile 10 Management Team Profile 15 Board of Directors 22 Strategy and Business Review 25 Chairman’s Statement 26 Chief Executive Officer’s Report 30 Sustainability and Responsibility 37 Sustainability and Responsibility 38 Corporate Social Reponsibility 43 Governance Directors’ Report 46 45 Complaints and Feedback 53 Corporate Governance Report 55 Statutory Audit Committee Report 63 Statement of Directors’ Responsibility 64 CONTENTS Board Evaluation Report 65 Financial Statements 67 Report of Independent Auditors 68 Statements of Comprehensive Income 74 Statements of Financial Position 75 Statements of Changes in Equity 76 Statements of Cash Flow 78 Notes to the Consolidated and Separate Financial Statements 79 Statements of Value Added 221 Five-year Financial Summary 222 Investor Information 226 Shareholders’ Information 227 Notice of AGM 231 Shareholder Forms 233 Corporate Information 245 Subsidiaries with Contact Details 246 Corporate Information 250 About Us Corporate Profile Global Footprint Directors’ Profile Management Team Profile CORPORATE STRATEGY AND SUSTAINABILITY AND FINANCIAL INVERSTOR CORPORATE PROFILE BUSINESS REVIEW RESPONSIBILITY GOVERNANCE STATEMENTS INFORMATION INFORMATION Corporate Profile United Bank for Africa Plc (UBA) is a leading pan-African financial services group with presence in 20 African countries, as well as the United Kingdom, the United States of America and France. UBA was incorporated in Nigeria as a limited liability company after taking over the assets of the British and French Bank Limited, which had been operating in Nigeria since 1949. The United Bank for Africa merged with Standard Trust Bank in 2005 and, from a single country operation founded in 1949 in Nigeria - Africa’s largest economy, UBA has become one of the top providers of banking and other financial services on the African continent. The Bank provides services to over 15 million customers globally, through one of the most diverse service channels in sub-Saharan Africa with over 1,000 branches and customer touch points and a robust online and mobile banking platform. The shares of UBA are publicly traded on the Nigerian Stock Exchange (NSE) and the Bank has a well-diversified shareholder base, which includes foreign and local institutional investors, as well as individual shareholders. Products UBA is a financial institution, offering a range of banking and pension fund custody services. Market UBA has over 15 million customers in retail, commercial and corporate market segments spread across 23 countries, consisting of Nigeria, 19 other African countries, the United States of America, the United Kingdom and France. Channels UBA has one of the largest distribution networks in Africa. As at December 31, 2018, there were 1,000 branches and customer touch points across Africa. 2,550 ATMs and over 16,216 POS machines fully deployed. Staff As at December 31, 2018, the Group had over 20,000 direct and support staff. Our Shared Values Own the task | Go the extra mile, solve problems ENTERPRISE Show initiative | Break barriers | Be innovative Be responsive and passionate | Surpass customer’s expectations always EXCELLENCE Maintain quality standards | Be meticulous - make it simple always Be professional - integrity, friendly and genuine Get it done | Get it done now EXECUTION Get it done very well | Always have the end in mind 8 UNITED BANK FOR AFRICA PLC Annual Report and Accounts 2018 CORPORATE STRATEGY AND SUSTAINABILITY AND FINANCIAL INVERSTOR CORPORATE PROFILE BUSINESS REVIEW RESPONSIBILITY GOVERNANCE STATEMENTS INFORMATION INFORMATION Directors’ Profile Tony O. Elumelu, CON AMB. Joe Keshi Chairman of the Board Vice Chairman of the Board Tony O. Elumelu is an investor and philanthropist. In 2011, he conceived the Amb. Joe Keshi is a graduate of political science from the University term Africapitalism, which has catalysed the African entrepreneurial landscape, of Ibadan, Nigeria. He holds a postgraduate diploma in International positioning the private sector as the engine for growth and empowerment, Relations and Diplomacy from the Nigerian Institute of International and prioritising social and economic wealth creation. Affairs and a Masters in Administration and Development from the Institute of Social Studies, the Hague, the Netherlands. In 1997, Tony founded Standard Trust Bank, which grew to be the fifth ranked He is both a Fellow of the John Kennedy School of Government, bank in a 90-bank industry, in 8 (eight) years. In 2005, Tony led the merger Harvard University and the Harvard Business School. He has since between Standard Trust Bank and the United Bank for Africa (UBA), which at joining the Board attended a number of trainings. the time was sub-Saharan Africa ex South Africa’s largest financial services He joined the Nigerian Public Service in 1975 and has over 37 years’ transaction. He became chief executive of the new group, implementing a working experience as a career diplomat. Apart from serving in a Pan-African strategy, that created one of Africa’s largest financial services number of Nigeria’s diplomatic missions and heading a few, he was groups. at various times, National Coordinator, Nigeria National Volunteer Service, Permanent Secretary, Cabinet Secretariat, the Presidency; He serves as the Chairman of the UBA Group, now present in twenty African and Permanent Secretary, Ministry of Foreign Affairs. He is a countries, Paris, London and New York, and the only African bank with a Director of South Strategy and Chairman of Afrigrowth Foundation. deposit taking presence in the United States. Ambassador Joe Keshi is also a member of the Phillip Asiodu Economic Initiatives and on the board of Good Governance For Africa He is the Founder and Chairman of Heirs Holdings, a family-owned (GGA). investment company, committed to improving lives and transforming Africa. Heirs Holdings’ portfolio spans the power, oil and gas, financial services, hospitality, real estate and healthcare sectors, operating in twenty-three countries worldwide. He also chairs Nigeria’s largest quoted conglomerate, Transcorp, whose subsidiaries include Transcorp Power, the largest generator of electricity in Nigeria. Tony is the most prominent champion of entrepreneurship in Africa. In 2010, he created The Tony Elumelu Foundation, the leading philanthropic organisation empowering African entrepreneurs and promoting entrepreneurship in Africa. The Foundation’s flagship initiative, the TEF Entrepreneurship Programme, is a 10-year, $100 million commitment to identify, train, mentor and fund 10,000 African entrepreneurs. The Foundation’s mission is inspired by Tony’s economic philosophy of Africapitalism. Tony sits on a number of public and social sector boards, including the international advisory board of the Washington DC based think tank, the Kennedy Uzoka Wilson Center, and on the board of UNICEF’s Generation Unlimited. Tony also serves on the Global Advisory Council of the Harvard Kennedy School’s Group Managing Director/CEO Centre for Public Leadership. He is a member of the World Economic Forum Community of Chairmen. Kennedy Uzoka is a renowned African Business Executive, with vast experience in banking, business development, financial and business advisory, strategic planning and execution as well as human resource management. He is an advocate of disruptive technology and has led many game changing innovations in the African banking industry over the past two decades of his career. As Group Managing Director/CEO, Kennedy is responsible for the development and execution of UBA Group’s business strategy, leading the vision to be the leading and dominant financial services institution in Africa. He has previously served as the Group Deputy Managing Director/CEO, UBA Africa, with oversight over the Group’s subsidiaries in 18 countries whilst also providing supervisory oversight on the Group’s information technology and digital banking suites as well as the personal banking business. An award winning professional, with strong customer service orientation, Kennedy sits on the boards of reputable institutions including the Mastercard, FMDQ-OTC Exchange amongst others. Kennedy holds a B.Sc. in Mechanical Engineering from the University of Benin and an MBA from the University of Lagos. He is an alumnus of the Advanced Management Program of the Harvard Business School, Boston USA, the International Institute of Management Development (IMS) in Lausanne, Switzerland, and the London Business School, United Kingdom. Kennedy is also a Fellow of the Chartered Institute of Bankers in Nigeria (CIBN). 10 UNITED BANK FOR AFRICA PLC Annual Report and Accounts 2018 CORPORATE STRATEGY AND SUSTAINABILITY AND FINANCIAL INVERSTOR CORPORATE PROFILE BUSINESS REVIEW RESPONSIBILITY GOVERNANCE STATEMENTS INFORMATION INFORMATION Directors’ Profile (Continued)
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