Banking
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UBA 2025: When Maturity Transformation Bites Back
Banking is built on mismatches. Banks take short-term deposits and lend long. They borrow cheap and invest high. That process,…
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UBA 2025: When Lending Engine Runs Into a Toxic Mix
United Bank for Africa Plc’s 2025 results lay bare banking’s central tension. The bank got bigger, but made far less…
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BEHIND UBA’S 2025 MELTDOWN
United Bank for Africa Plc did not slip in 2025. It fell. Profit collapsed 47.2% to N404.7 billion from N766.6…
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UBA STOCK LANGUISHES AT A DISCOUNT AFTER A CATACLYSMIC PROFIT FALL
UBA is trading at a clear discount to its tier-1 peers in both price and valuation heading into 2026, and…
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UBA’s Core Problem: Big Vision, Fragmented Engine
In banking, the future isn’t decided in press conferences. It’s decided in the core — the quiet system that posts…
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UBA: A Tier-1 Bank Trading Like Tier 2 Name
Competition for the future is won long before the first customer buys. First, companies fight for foresight and intellectual leadership…
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Sterling Bank: How a Denominator Manager Is Leaving Shareholders to Fund the Past
Benchmarked against its own past, Sterling Bank’s progress over decades can look deceptively beautiful — bigger assets, higher earnings, and…
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Sterling Bank’s Profit Grows 20% But Impairments Spike 357% As Asset Quality Deteriorates
Sterling Financial Holdings Company Plc delivered strong top-line growth in the first half of 2026, but the quality of that…
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Cardoso 3 Years On: Trading Controls for Credibility
Olayemi Cardoso completed three years as Governor of the Central Bank of Nigeria in September 2026. In that time, the…
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Union Bank : How Long Will This Dinosaur Wait In The Theater?
For decades Union Bank was Nigeria’s banking crown jewel. It had what no startup could buy overnight: size, history, trust,…
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