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Minimum Wage: Private Sector, States Kick Against Labour’s N1m Push

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The Nigeria Labour Congress’ (NLC) demand for a minimum wage of N1 million has been criticised by the organised business sector, Ekiti, Sokoto, and other states as unrealistic.

In a Monday interview with Arise television, NLC President Joe Ajaero hinted that if the naira’s value kept falling, organised labour may demand N1 million from the federal government during minimum wage talks.

Idris Mohammed, the Minister of Information and National Orientation, responded to the suggestion by stating that the Federal Government will make a rational choice in the best interests of the country and after giving adequate regard to the resources at its disposal and other relevant circumstances.

In the past months, the costs of goods and services had skyrocketed following the removal of the fuel subsidy while the value of the naira had continued to fall due to the forex crisis.

The NLC and Trade Union Congress had earlier pegged their minimum wage demand at N200, 000 but the NLC president in his Monday interview argued that the food inflation and high cost of living had made their previous demand unrealistic.

When asked if the unions’ demand for a living wage could be as high as N1m, Ajaero said, “This N1 million may be relevant if the value of the naira continues to depreciate; if the inflation continues. The demand of Labour is equally dependent on what is happening in society.

  • Exchange Rate

“You will remember that by the time we were contemplating N200,000, the exchange rate was about N900. As we talk today, the exchange rate is about N1,400 or even more.

“Those are the issues that determine the demand and it is equally affecting the cost of living and we have always said that our demand will be based on the cost of living index.’’

He added, “You’ll agree with me that a bag of rice is about N60,000 to N70,000. A bag of locally produced corn is about N56,000 or more.’’

He lamented prices of foodstuffs  were getting out of reach, adding that  the organised Labour  would not accept  get a minimum wage that would not be enough for transportation even for one week.

Speaking further, the labour leader complained about the failure of the Federal Government to fulfil the agreement signed with the organised Labour last October, noting that it had not faithfully implemented the N35,000 wage award which was to be paid to federal workers for six months.

He stated, “Only one month of the N35,000 naira was paid to civil servants. Also, there is no evidence of payment of any N25,000 paid as palliative to workers. That’s what led to what’s happening in the humanitarian ministry.

“No farmer has come to say that he received fertilizers from the government. I don’t know whether the fertilizers are for sale or cultivation.’’

Speaking on the delay in constituting the minimum wage committee, Ajaero recalled that the old minimum wage will expire by April, noting that the government ought to have set up the negotiation committee six months earlier.

He expressed disappointment that the committee has not commenced sitting.

Responding to the labour’s suggestion, the information minister, Idris, said he would prefer to wait for the final decision of the 37-man minimum wage negotiation committee, which also included the representatives of Organised Labour.

Speaking with one of our correspondents on the phone, Idris said, “It is a proposal but the FG will not pre-empt the work of the 37-man committee that includes labour itself. The FG will do what is right in the interest of the nation as a whole, taking into account our resources and other factors.”

Ekiti State Commissioner for Information, Taiwo Olatunbosun, dismissed as unrealistic the N1m minimum wage suggested by the NLC president.

  • State To Negotiate

Olatunbosun, who said that “just as labour has the right to make any demand, the government has the right to negotiate,” advised the unions to set a realistic goal.

The commissioner said, “I know there is a need for planning and I know there is a reason to be realistic too. We all have to be realistic. I don’t think Ekiti can pay N1m per least-paid worker. I don’t think so given the available resources that we have in Ekiti.

“But I know it is not out of place for every segment, every level of government both federal, state, and labour to sit down and discuss.

“Concerning whether Ekiti has the money, well, it is still the same thing that even if they (labour) ask for N1b per the least paid person, the right of negotiation will still be there. I believe that the government will still do the needful by engaging the labour.’’

Olatunbosun said the government is already engaging with the labour at the national level and until the negotiation is concluded, the state government would only wait for the outcome of the parley.

Speaking in the same tone, the Sokoto and Benue State governments advised the labour leadership to present a realistic minimum wage.

The Sokoto State Commissioner for Information, Sambo Danchadi, urged the labour unions to consider other factors in making their demands for a living wage.

“I think they should be realistic, even though in any form of negotiation, you are entitled to make any demand but in the course of negotiation, every party must be realistic.

“I will advise them to be more cautious and realistic, even though it is their right, they still need to be realistic in their demands,” he said.

The Benue State Commissioner of Finance and Budget Planning, Michael Oglegba, acknowledged the pains workers were going through at this period, but stressed that ‘labour leaders must understand there is a limit to what the economy can handle.’

He further said, “The Federal Government negotiates minimum wage for its workforce and the states are allowed to negotiate with their workers anything over and above the minimum wage and this is determined by economic forces.

“We are very much concerned about what workers are going through; the inflation is at an abnormal rate. So, whatever is arrived at by the Federal Government, the states have to negotiate. The point is that whatever the labour may throw is an offer.’’

In a separate interview, the Commissioner for Information, Culture and Tourism, Matthew Abo described Ajaero’s offer as laughable. Abo said, “How can that be possible? N1m minimum wage?’’

The spokesman for the Kebbi State governor, Ahmed Idris, assured the labour leaders of the state’s readiness to engage in fruitful negotiations to determine an acceptable new minimum wage.

“Yes, we all know the N1m wage demand may be difficult but with the current situation, both the labour and the government will have to negotiate based on reality.

“We will engage with them and by God’s grace arrive at a reasonable level where all parties including the government and workers will be happy at the end,” he assured.

The Special Adviser on Media to Ogun State governor, Mr Kayode Akinmade, said the state government was waiting for the report of the minimum wage negotiation committee and would not speak on Ajaero’s comments.

However, the Chairman of the Kwara Council of the NLC, Muritala Olayinka, observed that the N1m wage proposal cannot be paid by the state governments.

Speaking in Ilorin, Olayinka said that none of the 36 states of the federation can sustain the N1m minimum wage for the workers.

He said, “With the current economy in Nigeria where the government is running zero allocation whereby government borrows to pay workers salaries, no states or the Federal Government can sustain the payment of N1m minimum wage for workers.

“What the labour unions can fight for is how the economy can be improved, how the naira can appreciate over the dollar and other currencies.’’

“The labour should put its demand for the minimum wage at N600,000. If the government can fix electricity, improve agricultural production and infrastructure and reduce the costs of transportation, then the minimum wage should be agreed on the rate that the government can pay and sustain.”

The Gombe State Commissioner for Information and Tourism Mijiyanwa Tilde, dismissed the proposal, saying “Government can’t afford that,” adding, “Until the Federal Government implements it, then we will know.”

On her part, the Niger State Commissioner for Information Binta Mamman, expressed shock and surprise over Ajaero’s request wondering if it was reasonable.

“You mean N1m per civil servant. Who is requesting that, Labour? Is that reasonable? An individual, one civil servant, to be paid N1m?” she queried.

Speaking with one of our correspondents, Osun State Commissioner for Information and Public Enlightenment, Kolapo Alimi, said since the wage negotiation was on the exclusive list, the state government would wait for the negotiation to be concluded at the federal level before taking a position.

Also, the President of the Lagos Chamber of Commerce and Industry, Gabriel Idahosa, described the N1m minimum wage demand by the NLC president as unrealistic.

Ajaero’s proposal, he said, was at variance with the current realities of the Nigerian economy.

Idahosa said, “What I heard was that he was proposing a N1m  as minimum wage. In this country? They expect a bakery that has about 10 workers to pay N1m? Or a supermarket with 10 workers to pay each of the staff N1m?

“The NLC president seems disconnected from this country. Some of his utterances suggest that he believes playing to the gallery is all it takes to be a good labour leader. If you want to go to a negotiation with a serious intent to arrive at a successful negotiation, you start by making a reasonable request.’’

Speaking further, Idahosa pointed out that Labour’s position on an issue of this nature ought to be based on arduous and painstaking research rather than emotions.

He added, “At some point, they insisted on N200,000 as minimum wage. If they had stayed with that, even though a lot of people thought it was not feasible, it would have been a good tactical position to start from.

“Their demand is not possible. You cannot squeeze water out of stone. When you are targeting a settlement of N1m, then you are not ready for negotiation.’’

The Nigeria Employers Consultative Association and Nigerian Association of Chambers of Commerce Industry Mines and Agriculture said they would review the NLC offer.

The groups admitted that though the N1m minimum wage proposal was a move in the right direction, there was a need to also consider the economic situation before coming up with such a bid.

According to The Punch, the Director General of NECA, Mr Wale Oyerinde, while speaking in Lagos on Monday, urged organised Labour to consider the current economic situation before making the overture.

“You have to stand on something; while it is desirable it is also good. The N1m minimum wage is just perfect but the reality is that it must stand on something.

“The general foundation to stand should be the current economic situation and then the ability of the companies to pay. The reality is, when we get to the negotiation table, what are the parameters for us to arrive at that N1m?

“It must be based on something, it must be based on economic factors. I said NLC has the right to desire N10m as minimum wage. Still, at the end of the day when we get to the negotiation table, they must put those factors like the current economic situation and the needs of enterprises, and in the long run, those are the factors that would shape what the minimum wage should be.” Oyerinde added.

The NECA DG said that the group believes in the strength of social dialogue, adding “No member of the committee would come up with one take it or leave it figure. It is still subject to negotiation.”

According to him, the employers would look at the economic situation, economic environment, issue of forex, interest and inflation rates, all of which the employers are battling with.

‘’We look at all those figures and say this is how much employers can pay. So, without negotiations at the rate, everything is at the committee level and not outside the committee level. Since the committee has been inaugurated, all negotiations should be done at that level,” he counselled.

Also speaking on the issue, the National President, Nigerian Association of Chambers of Commerce, Industry, Mines and Agriculture, Dele Oye, emphasised the importance of following due process and ensuring that all discussions around the adjustment of the minimum wage were based on a comprehensive understanding of the facts and implications.

Oye said it would be premature and unfair for NACCIMA or any other member of the recently constituted 37-man Committee to join issues with the NLC president or engage in public debates on the matter without first having the opportunity to review the facts and basis of the proposed N1m minimum wage.

He said that NACCIMA is committed to working with the Federal Government and other stakeholders to ensure a fair minimum wage is established.

Oye noted, “We encourage all parties involved to approach this issue with a spirit of cooperation and constructive dialogue. NACCIMA is committed to working alongside the NLC, the Federal Government, and other stakeholders to ensure that a fair and sustainable wage structure is established, one that reflects the economic realities of our nation and the welfare of our workforce.

“In anticipation of the committee’s discussions, NACCIMA appeals to all parties to exercise patience and to prepare for negotiations that are founded on empirical data, economic analysis, and the shared goal of economic stability and prosperity for all Nigerians.”

Oye called for calm pending the meeting of the committee.

 

Credit: The Punch

BIG STORY

FG Pushes For Simon Ekpa’s Extradition As IPOB Disowns Biafra Agitator

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The Federal Government will likely apply for the extradition of Simon Ekpa, the leader of the Eastern Security Network, the paramilitary organization of the Indigenous People of Biafra.

The Director of Defence Information, Brig Gen Tukur Gusau, who gave the indication on Thursday, said Ekpa, a self-proclaimed disciple of IPOB leader, Nnamdi Kanu, should be extradited to Nigeria to face criminal charges.

Also, many Nigerians online demanded his repatriation to Nigeria to face terrorism charges.

However, the IPOB dissociated itself from the embattled Biafran separatist, asserting it had no relationship with him.

Ekpa is one of the 97 individuals declared wanted by the Defence Headquarters in March 2024.

The Finland-based Biafran agitator is a close ally of the IPOB leader, Nnamdi Kanu, who is facing charges of terrorism, treasonable felony, and inciting violence through his Radio Biafra, amongst others.

He has been in the custody of the Department of State Services since 2021 when he was arrested in Kenya and brought back to Nigeria.

A presidential spokesman, Daniel Bwala, said President Bola Tinubu and the National Security Adviser, Nuhu Ribadu, have yet to be briefed on the arrest of Ekpa.

“The procedure is that the (Nigerian) Embassy in Finland has to have the information and it would brief the Ministry of Foreign Affairs and the minister might brief the NSA or the President,’’ he explained.

Ekpa and four others were arrested in Finland on charges related to terrorism, Finland’s Central Criminal Police said in a statement on Thursday.

A report said the District Court of Päijät-Häme, Finland, ordered that Ekpa be imprisoned “with probable cause on suspicion of public incitement to commit a crime with terrorist intent.”

Speaking on the development in a statement on Thursday, Gusau said the Chief of Defence Staff, Gen Chris Musa, was pleased with the trial of the ESN leader.

Gusau wrote, “CDS is happy with his arrest in Finland, with the hope this will be a step towards his extradition to Nigeria so that he will face justice.”

Ekpa, a Finnish citizen of Nigerian origin, was accused of inciting crimes with terrorist intent, while the other suspects face charges of financing terrorism.

He was arrested in February 2023 for his inciting comments and sit-at-home orders to the people of the South-East.

Before his arrest, thousands of Nigerians worldwide signed a petition appealing to the Finnish and Nigerian governments and the European Union to arrest Ekpa.

He had asked the people to boycott the 2023 general poll, insisting there would be no election in the region.

Worried by his activities, the Ministry of Foreign Affairs summoned the Finnish Ambassador to Nigeria, Leena Pylvanainen, over his threats to stop the 2023 general election in the South-East.

The ministry sought the Finnish government’s cooperation to arrest Ekpa over threats to disrupt the exercise.

The Finnish police confirmed on Thursday that Ekpa and his accomplices were arrested earlier this week as part of an international investigation.

Ekpa, who describes himself as the “Prime Minister” of the Biafra Republic Government-in-Exile, is alleged to have used social media platforms to promote violent activities in the South-East, including attacks on civilians and authorities.

The police said the main suspect was arrested “on suspicion of public incitement to commit a crime with terrorist intent,” while four others were arrested “for financing a terrorist crime.”

The police added: “Claims will be heard in Päijät-Häme district court today, November 21. The detention demands are related to the preliminary investigation, in which a Finnish citizen of Nigerian background, born in the 1980s, is suspected of public incitement to commit a crime with terrorist intent.

“The police suspect that the man has promoted his efforts from Finland by means that have led to violence against civilians and authorities as well as other crimes in the region of South-Eastern Nigeria” the statement read in part.

Speaking on the case, Crime Commissioner Otto Hiltunen stated, “The man has carried out this activity, among other things, on his social media channels,” suggesting that his online actions have fueled violence in Nigeria.

“Four other persons are suspected of financing the aforementioned activity. All five suspects in the crime were arrested at the beginning of the week.

“International cooperation has been carried out during the preliminary investigation,” the statement added.

The four other suspects, whose identities have not been disclosed, are believed to have financed these alleged activities.

The Central Criminal Police revealed that the case involved extensive international collaboration.

The Finnish authorities emphasised their commitment to investigating the case thoroughly as part of their broader effort to combat terrorism.

Expressing delight over Ekpa’s arrest and ongoing trial, the Director of Defence Media Operations, Maj. Gen Edward Buba, said the military was pleased with the news.

The Chief of Defence Staff had severally called for Ekpa’s arrest, accusing him of sponsoring terrorism in the South-East.

Buba noted that the military was glad that the international community was supporting the country in its fight against terrorism.

He stated, “The CDS has always called for the arrest of Simon Ekpa following his deep involvement in fuelling terrorism in SE Nigeria. We are delighted about his arrest, and glad that the international community is partnering with Nigeria in our fight against terrorism.”

The ESN has been implicated in numerous violent activities in the South-East since its creation in December 2020.

While the ESN was initially formed to counter the activities of armed herdsmen and protect local communities, their operations have reportedly led to significant unrest in the region.

The group has been accused of ambushing and killing troops of the Nigerian Army, police, and other security personnel.

Police stations and military checkpoints in the South-East have been frequent targets, leading to loss of lives and property.

Also, the ESN has been linked to arson attacks on public facilities such as police stations, electoral offices, and government buildings, disrupting governance and public services in the region.

There have been allegations of extrajudicial killings by the ESN, including attacks on individuals accused of opposing IPOB’s secessionist agenda or cooperating with the government.

Some communities have reported being harassed or forced to comply with the group’s directives, including its Monday sit-at-home orders, especially during days commemorating Biafra or protesting the detention of IPOB leader, Nnamdi Kanu.

Defiance of these orders had led to attacks on businesses, vehicles, and individuals, paralyzing economic activities in the South-East.

Conflicts between the ESN and local vigilante groups, including state-backed security outfits like Ebube Agu, have resulted in casualties and instability, escalating insecurity in the South-East.

The situation had led to heightened military operations in the region, sometimes resulting in collateral damage and further alienation of local communities.

The Federal Government labelled the ESN a terrorist organisation and launched several military operations to dismantle it.

On Monday, Anambra Central Senatorial Zone descended into chaos as gunmen enforcing the sit-at-home order attacked Abatete, Abagana, and Ukpo communities, leaving five people dead and several others injured.

At Abatete, three vigilantes attached to the town’s president-general were fatally shot. The victim sustained critical injuries and was rushed to a nearby hospital.

Also, vehicles were set ablaze by the attackers who repeatedly warned the people to respect the sit-at-home order.

Witnesses reported further violence in Abagana and Ukpo. At the Ukpo roundabout in Dunukofia Local Government Area, a vigilante member and a motorcyclist were reportedly gunned down.

Meanwhile, IPOB denied any relationship with Ekpa, saying it had publicly asked the people and relevant authorities to stop linking it with the embattled Biafran agitator.

Reacting to the arrest of Ekpa by the Finnish authorities, IPOB spokesman, Emma Powerful, maintained that his organisation had nothing to do with Ekpa and his group, Autopilot.

He said, “We are not interested in his arrest. All we want is for the release of our leader, Mazi Nnamdi Kanu, who has not committed any offence and who has been freed by the law courts. That is our concern.

“We have reiterated on several occasions that the Ekpa had no relationship with the IPOB from the formation to date and he had nothing in common with the Biafra struggle.

“For a long time, IPOB has maintained that there is nothing like autopilot in IPOB. More so, the criminal gang leader in Finland has no relationship with ESN from the formation of ESN to date or with IPOB. The authorities should stop linking IPOB with Ekpa and his group and IPOB is not interested in his arrest or whatever.”

“All we want is for the Nigerian government to release our leader who has been detained for no known crime other than fighting for the liberation of his people.”

Spokesman of IPOB’s Political Wing, Nwachukwu Emereonye, called for the immediate extradition of Ekpa to Nigeria to face the consequences of his actions.

While speaking to journalists on the development, Emereonye noted that Ekpa’s actions led to the death of scores of innocent people and destruction of businesses in the South-East.

He said, “We in IPOB Political Wing welcome the arrest of Simon Ekpa. His actions are unbecoming. Scores of people have been killed and properties worth billions of Naira destroyed.

“He should be handed over the Nigerian government for immediate prosecution.”

 

Credit: The Punch

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BIG STORY

I Have No Interest In Lagos 2027 Gubernatorial Race — Obasa

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Ahead of the 2027 gubernatorial race, the Speaker of the Lagos State House of Assembly, Mudasiru Obasa, has sought to ease tensions regarding the race to succeed Governor Babajide Sanwo-Olu, stating that it is something “that I have not given serious consideration.”

Obasa clarified that all his recent political actions were not focused on the gubernatorial race but aimed at strengthening his party, the All Progressives Congress (APC), and expanding its influence beyond the opposition parties in the country.

He explained that The Mandate Movement (TMM) was created to help the APC engage more effectively with the grassroots and promote the party’s ideology.

The Speaker made these remarks on Thursday after the state governor presented the 2025 budget, which is set at N3,005,935,198,401.

However, he urged Nigerians to remain hopeful as President Bola Tinubu’s administration works toward economic recovery.

“Let me also emphasise that those who live in glass houses must not throw stones,” he said, referencing a popular saying. “This also brings to my mind, according to our people: ‘eni ba yara logun ngbe.’ Meaning, the god of iron recognises the swift ones. In other words, those who are facilitating or planning to interfere in this House or destroy the cohesion of this institution should also be prepared for the same fate.”

He continued, “May I use this medium to sensitise us more on the need to build and sustain our party, the All Progressives Congress (APC) regarding our focus for 2027. We need to continue to mobilise people just as I do frequently. I have made it a personal task to mobilise people on the platform of Mandate, which has been misconstrued by some political detractors as being a selfish aspiration on the ground for me to become governor of the state. There is the need, however, to correct this wrong impression. My concern is about building our party, and whatever we do is mainly for this cause.”

“To the blackmailers who have embarked on the mission to distort and redefine our mission, let me state it unequivocally here, our intention is to promote our party on the platform of Mandate. Also, becoming governor is secondary; it is something “that I have not given serious consideration.” Nevertheless, that does not mean I am too young or lack experience to run; whereas, those who have been before me are not better off.”

He also addressed rumors about his ties to certain influential Lagos families, stating, “In addition, it is also important to correct the impression from some naysayers who have been insinuating that I made payment to seek for blood relation in Ojo to validate my candidacy to run as governor. Of course, I have never denied the fact that I am OBASA. But rather, I have never claimed to be related to Onikoyi, Oniru, or any of the other popular Lagos families as the case may be. I can indeed never run from the fact that I am related to my Obasa family in Ojo. But I do not need local validity to contest or run. If eventually I am contesting, I will do so from Agege.”

In response to concerns about the state’s economic situation, Speaker Obasa reiterated his support for the ongoing efforts by the federal government to stabilize the economy, urging Nigerians to remain patient and hopeful.

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BIG STORY

At UBA Business Series, Experts Say Innovation, Passion Crucial To Build Lasting Businesses

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Building businesses that stand the test of time requires a blend of innovation, unwavering focus, and passion. This was the key takeaway from the latest edition of the United Bank for Africa (UBA) Business Series, hosted on Thursday,

With the theme: “Profit with Purpose, Business Continuity,” the event which was held at the Tony Elumelu Amphitheatre, UBA House, Marina, Lagos, brought together top industry leaders and entrepreneurs who shared actionable insights and strategies for ensuring business resilience and sustainability in today’s dynamic economic environment.

Founder, Terra Kulture, Bolanle Austen-Peters, Chief Executive of Asadtek Group Limited, Ghana; Dr. James Asare-Adjei; Award winning TV Personality & Multi Media Entrepreneur, Frank Edoho, Celebrated multimedia personality, Toke Makinwa and founder of Nigeria’s pioneering indigenous premium coffee brand, Happy Coffee, Princess Adeyinka Tekena, were on ground to share their business journey and give insights on how businesses can stand the test of time and thrive in a competitive environment.

Bolanle Austen-Peters who is also a Prominent Lawyer, Award Winning Film Director, and Producer, was the keynote speaker at the event and she spoke on the need for small and medium scale businesses to define their purpose, build a workable framework and have a team that shares in your vision.

On how she has run a business successfully for over 20 years, she said, “I can never overemphasise the role that purpose plays in your business. There is the need for business owners to set clear goals and achievable targets. From Day one, I started with having an organisational structure like what we have in banks, complete with legal structure, a board of Directors, administrative Officers, and all.

Continuing she said, “The truth is that if you do not have a framework for your business, you may just be another business from the street. Putting together a structure shows that you are in for serious business, and people will treat your business as such,” she explained.

James Asare-Adjei from Ghana, who also shared that key essentials like being innovative and having integrity said that MSMEs need to identify areas that they can excel at and work towards building it. “As business owners, you need to take advantage of the market available to you, and ensure that you add value at every point.

For Frank Edoho, passion remains an essential ingredient that drives business growth. “Passion is very important, as business owners, you should stick to your guns and learn from what others are doing and add it to your experience to make your business better,” he explained.

“One of the things I did to grow my brand was that I was very focused,” said Toke Makinwa, who recalled her humble beginnings as a banker and later a broadcaster. “I kept the right attitude and surrounded myself with people who are team builders. These are winning strategies anytime,” she noted.

Princess Adeyinka Tekena, who is a beneficiary of the Tony Elumelu Foundation (TEF) Grant, said the $5,000 grant she won in 2015, helped to build her business from ground up and the business has been thriving for over 10 years now. She pointed out that tenacity, determination and financial discipline have been some of the factors that have contributed to the growth of her small business.

UBA’s Group Head, Marketing and Corporate Communications, Alero Ladipo, who commended the participants for sharing valuable insights explained that with these regular capacity building programs, UBA focuses on empowering other business owners to build sustainable businesses.

“At UBA, it is not just about Banking, we are also passionate about helping our customers to grow thriving businesses, and that is why we do this on a regular basis,” she noted.

The UBA Business Series is a regular seminar/workshop organised by the bank as one of its capacity-building initiatives, where leading business leaders and professionals share well-researched insights on relevant topics and best practices for running successful businesses, especially in difficult business challenges.

United Bank for Africa is one of the largest employers in the financial sector on the African continent, with 25,000 employees group wide and serving over 45 million customers globally. Operating in twenty African countries and the United Kingdom, the United States of America, France and the United Arab Emirates, UBA provides retail, commercial and institutional banking services, leading financial inclusion and implementing cutting edge technology.

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