Zenith Bank PLC (ZENITH.ng) listed on the Nigerian Stock Exchange under the Banking sector has released it’s 2010 presentation results for the first quarter.For more information about Zenith Bank PLC (ZENITH.ng) reports, abridged reports, interim earnings results and earnings presentations, visit the Zenith Bank PLC (ZENITH.ng) company page on AfricanFinancials.Document: Zenith Bank PLC (ZENITH.ng) 2010 presentation results for the first quarter.Company ProfileZenith Bank Plc is a financial services institution in Nigeria offering banking products and services for the personal, commercial, corporate, private and investment banking sectors. The company also offers non-banking services such as foreign exchange, treasury, trade services and cash management services. Its full-service offering ranges from transactional accounts, savings accounts and deposits to short term investment funds, association accounts, personal funds management, funds transfer service and import letters of credit. Established in 1990 and formerly known as Zenith International Bank Limited, the company changed its name to Zenith Bank Plc in 2004. The company has three subsidiaries: Zenith Bank (Ghana) Limited and Zenith Bank (Sierra Leone) and Zenith Bank (Gambia) Limited. It has representative offices in South Africa and The People’s Republic of China. Its company head office is in Lagos, Nigeria. Zenith Bank Plc is listed on the Nigerian Stock Exchange
“This Stock Could Be Like Buying Amazon in 1997” G A Chester has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Enter Your Email Address G A Chester | Saturday, 14th November, 2020 | More on: AML I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Image source: Aston Martin Our 6 ‘Best Buys Now’ Shares I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Simply click below to discover how you can take advantage of this. Aston Martin (LSE: AML) was floated on the stock market in October 2018. The shares were priced at £19 in the initial public offering (IPO). Today, little more than two years later, they’re trading at 65p. Will the Aston Martin share price ever go back up to £19? Heck, even £1.90 would triple your money!British style and derring-doWhen the company announced its intention to float, it created quite a stir. It would be the first British carmaker to IPO in more than three decades. And what a carmaker! A glamorous century-old name. From chaps haring round the iconic banked bends of Brooklands race track to James Bond’s long association with the marque, we’re talking a heritage of quintessential British style and derring-do.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…At the top end of the initial indicative IPO price range of between £17.50 and £22.50 a share, Aston Martin would have been valued at £5.1bn and had a place in the elite FTSE 100 index. What could be more fitting? And who wouldn’t be proud to own a few shares in the illustrious name?Hang on HenryPutting aside the romance, the investment case was somewhat less compelling. For one thing, management’s growth targets looked on the aggressive side. For another, the balance sheet and liquidity didn’t seem great for a company with a backstory of historical losses, poor free cash flow, and seven bankruptcies.The IPO allowed some existing investors an exit, or partial exit, but raised no new cash for the company. The balance sheet in the prospectus showed debt of £887m versus cash of £71m. The latter looked a bit skimpy for management’s ambitious growth plans.Finally, there was the question of valuation. Even though the £19 IPO price was at the lower end of the initial indicative range, and the shares fell further when they began trading, Aston Martin was still on a premium rating relative to Ferrari — a company with superior profitability and a stronger balance sheet.The collapse of the Aston Martin share priceIn an article a little over a year after the IPO, I suggested dumping Aston Martin shares at a price of 557p.The company was not selling as many cars as management expected, cash generation was poor, and net debt/EBITDA had reached an eye-watering 5.5 times. As such, an equity fundraising with significant dilution for shareholders looked very much on the cards.Can the Aston Martin share price return to £19?Aston Martin had 228m shares in issue in 2018. Today, there are 1.82bn. At £19 a share, its market capitalisation would be £35bn. It would rank at number 11 in the FTSE 100. In short, there’s not a cat in hell’s chance the Aston Martin share price will ever return to £19. And with considerable further dilution in the pipeline, I’m not even sure £1.90 is a realistic target.David Brown, owner of the company through the legendary 1948–1967 ‘DB’ series of cars, once described Aston Martin as an “expensive hobby”. Will it be the same for billionaire Lawrence Stroll, who led the consortium that rescued the company earlier this year?I don’t know. But I do know I can’t afford to treat any investment as an expensive hobby. As such, I’m avoiding the stock, and leaving it to folk who can spare big money to pursue their passions! Will the 65p Aston Martin share price ever go back up to £19? See all posts by G A Chester
Year: 4×4 Studio / Teresa MascaroSave this projectSave4x4 Studio / Teresa Mascaro “COPY” ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/493415/4×4-studio-teresa-mascaro Clipboard CopyAbout this officeTeresa MascaroOfficeFollowProductSteel#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesCarapicuíbaBrazilPublished on April 06, 2014Cite: “4×4 Studio / Teresa Mascaro” [Estúdio 4×4 / Teresa Mascaro] 06 Apr 2014. ArchDaily. Accessed 11 Jun 2021.
ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/618315/notre-ntam-lesvos-residences-z-level Clipboard Projects “COPY” Greece Photographs 2014 Notre Ntam’ Lesvos Residences / Z-levelSave this projectSaveNotre Ntam’ Lesvos Residences / Z-level ArchDaily Houses CopyHouses•Agios Fokas, Greece CopyAbout this officeZ-levelOfficeFollowProductsSteelStoneConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesAgios FokasHousesGreecePublished on April 15, 2015Cite: “Notre Ntam’ Lesvos Residences / Z-level” 15 Apr 2015. ArchDaily. Accessed 11 Jun 2021.
Demand Propels Home Prices Upward 2 days ago Subscribe Previous: Caliber Acquires Banc of California Mortgage Division Next: Carson Secures HUD Secretary Position Data Provider Black Knight to Acquire Top of Mind 2 days ago Wells Fargo Wants More African American Homeowners The Week Ahead: Nearing the Forbearance Exit 2 days ago Tagged with: African American Homeownership mortgage NAACP Wells Fargo Share Save African American Homeownership mortgage NAACP Wells Fargo 2017-03-01 Staff Writer Servicers Navigate the Post-Pandemic World 2 days ago Sign up for DS News Daily Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Print This Post Wells Fargo plans to assist 250,000 African Americans become homeowners by 2027 with a $60 billion lending commitment. Over the next 10 years, Wells Fargo will build up this program by offering continued support with $15 million toward initiatives promoting financial education and counseling and increasing the diversity of their home lending sales team.“Wells Fargo’s $60 billion lending goal can contribute to economic growth by making responsible homeownership possible for more African Americans in communities across the country,” said Brad Blackwell, EVP and head of housing policy and homeownership growth strategies for Wells Fargo. “We are proud to be the first mortgage lender to make a public commitment to help increase African American homeownership. And, we are grateful for the support of key housing and civil rights organizations, who work alongside us to increase economic prosperity in our communities.”A report by the Urban Institute notes how the African American community was the hardest hit during the housing crisis. Black homeownership grew by six percent when the Fair Housing Act passed, but that growth was stunted between 2000 and 2015, and eventually reversed. Since 2000, African Americans have seen the most decline in homeownership of any group.This has not dampened the desire to own homes, though. Through consumer surveys provided by Ipsos Public Affairs, Wells Fargo has found that African Americans have a positive outlook on homeownership. A 2016 survey finds that 90 percent of African Americans view home ownership as a “dream come true” and 79 percent believe homeownership is essential for families. Fifty-one percent of African Americans are planning on buying a home in the next two years.Wells Fargo joins the National Association of Real Estate Brokers (NAREB) alongside the NAACP and the National Urban League in bridging the gap of homeownership. “NAREB applauds Wells Fargo’s $60 billion loan commitment. The bank is the first financial institution to acknowledge publicly Black Americans’ wealth-building potential which could be greatly improved through homeownership,” said Ron Cooper, president of NAREB. “Let us all work together and grow this initiative which represents a solid and meaningful start for more Black Americans to become homeowners and wealth-builders.”Read the announcement from Wells Fargo here. The Best Markets For Residential Property Investors 2 days ago Related Articles March 1, 2017 1,812 Views Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, News About Author: Staff Writer Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Home / Daily Dose / Wells Fargo Wants More African American Homeowners Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago
Related Articles Print This Post In the midst of the pandemic and economic turmoil, seamless digital transactions will be at the epicenter of business survival, according to a study by the Economist Intelligence and Transunion.Whether companies thrive or fold will hang on providing consumers friction-right digital transactions, the study overwhelmingly found. In fact, almost 85% of global executives surveyed as part of the study said they believe smooth digital transactions are “essential to business survival” rather than merely a competitive edge.A total of 1,610 executives in places like Brazil, Canada, Chile, China, Colombia, the Dominican Republic, Hong Kong and the U.S. responded to the report, “New Dimensions of Change: Building Trust in a Digital Consumer Landscape.” How technologies like artificial intelligence, national digital IDs and super-apps can help overcome hurdles and possibly create new challenges to building digital trust were among areas exposed by the research.Meantime, artificial Intelligence (AI), Biometrics, and National Digital IDs will have more prominent roles in fraud prevention.“COVID-19 has dramatically accelerated digital transformation with 61% of our survey respondents saying their organization has changed their digital transaction process due to the pandemic,” said Shai Cohen, senior vice president of Global Fraud Solutions at TransUnion. “But all of this digital progress will be wiped out if we can’t remove these barriers to building bilateral digital trust. For instance, two-thirds f executives in the study who said their company changed their digital transaction process as a result of the pandemic experienced glitches.”Respondents said in droves that biometrics will be the dominant payment customer authentication method and that improved fraud detection and security is the greatest benefit to using artificial intelligence. They also indicated that a national digital ID system will help put a crimp in consumer fraud.On top of that, around 85% of executives say biometrics likely will be leveraged to authenticate the vast majority of payments in the next 10 years, while around 43% of respondents noted that improved fraud detection and security is the greatest benefit to using artificial intelligence.The role of technology across all industries has become increasingly important since COVID-19 forced the implementation of stay-at-home orders and broader adoption of work-from-home options. Lenders have had to adapt quickly by making the lending process more accessible to consumers online, according to a TransUnion executive.Liz Pagel, SVP and leader of the Consumer Lending line of business within the Financial Services Vertical at TransUnion, said the pandemic changed consumers’ needs.“Beginning from the very early days of lockdown and in-person interactions being shut down, almost completely in many geographies, consumers have had to shift to doing a lot of their financial service interactions online. There was a huge portion of the population who still used bank branches for all of their needs, and a lot of loans were underwritten almost entirely in person.”So, with the pandemic coming into play, consumers had to be able to do those transactions online, and they shifted faster than I ever believed possible, she continued. “Lenders pivoted very quickly to allow them to transact online, and consumers switched as well. And those interactions are now kind of all happening online, a transition that we expected to take years and years, happened in a matter of months. So, a lot of originating loans online, and a lot of making payments online, a lot of doing all of those things and not in person.” The Best Markets For Residential Property Investors 2 days ago Subscribe Governmental Measures Target Expanded Access to Affordable Housing 2 days ago business trends COVID-19 digital transactions digital trends 2020-11-04 Cristin Espinosa Share Save Demand Propels Home Prices Upward 2 days ago Home / Daily Dose / Digital Transactions: A Matter of Business Survival Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Digital Transactions: A Matter of Business Survival About Author: Chuck Green Tagged with: business trends COVID-19 digital transactions digital trends Chuck Green has contributed to the Wall Street Journal, Washington Post, Los Angeles Times, San Francisco Chronicle, Chicago Tribune and others covering various industries, including real estate, business and banking, technology, and sports. Previous: High-Cost Housing Creates Obstacles for Older Generation Next: Foreclosures and Evictions Could Derail a Recovery in Daily Dose, Featured, Market Studies, News Data Provider Black Knight to Acquire Top of Mind 2 days ago Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago November 4, 2020 1,168 Views The Week Ahead: Nearing the Forbearance Exit 2 days ago The Best Markets For Residential Property Investors 2 days ago
Facebook Twitter Homepage BannerNews RELATED ARTICLESMORE FROM AUTHOR 365 additional cases of Covid-19 in Republic PSNI and Gardai urged to investigate Adams’ claims he sheltered on-the-run suspect in Donegal Previous articleDonegal medical card holders being sacrificed by FG – Mac LochlainnNext articleAnderson says ‘Brexit’ must not be imposed on Northern Ireland admin Man arrested on suspicion of drugs and criminal property offences in Derry Twitter HSE warns of ‘widespread cancellations’ of appointments next week Concerns have been raised by an Inishowen councillor that as polling day fast approaches, there isn’t a sufficient Garda presence in the area for people to complete their registration to vote.Areas of particular concern include Clonmany, Malin, Culdaff and Gleneely which have no local garda station.The deadline to have your form completed and sent into your local Garda Station is Tuesday next but Councillor Albert Doherty claims that certain towns in Donegal are at a disadvantage for this method.He says it gives residents who may not be registered in rural Donegal little or no time to do so:Audio Playerhttp://www.highlandradio.com/wp-content/uploads/2016/02/albertregistration.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Man arrested in Derry on suspicion of drugs and criminal property offences released Google+ Inishowen councillor claims rural residents have difficulty registering to vote Facebook By admin – February 4, 2016 Pinterest Dail to vote later on extending emergency Covid powers Pinterest Google+ WhatsApp WhatsApp
AlxeyPnferov/iStock(SUFFOLK COUNTY, N.Y.) — As New York Gov. Andrew Cuomo offers cautious optimism about a possible slowing of novel coronavirus cases in the state, a leader in Suffolk County says there’s no such hope there right now.“The numbers are moving quickly,” County Executive Steve Bellone told ABC News. “You talk about flattening in other places but that’s not happening here. We are in the thick of this right now.”The Long Island county had at least 17,008 confirmed COVID-19 cases and at least 323 related deaths as of Thursday, according to the New York state health department. It was one month ago the county confirmed its first case.In the last 72 hours, among the fatalities were two nurses who tested positive for coronavirus. They died in different Suffolk County hospitals. One was a 63-year-old at Huntington Hospital and the other was an ICU nurse in Brookhaven.Bellone described the situation as “heartbreaking, intense, unprecedented.”“It’s tragic, but it drives home the point that these health care workers are doing extraordinary things in an intense environment that is the medical equivalent of a war zone,” Bellone said.He estimates the county is a week or two behind New York City, where the hospital system was hammered but has since seemingly stabilized. New York has the most reported cases of any state in the U.S.Cuomo said Monday there was a “possible flattening of the curve” after the total number of hospitalizations, intensive care unit admissions and daily intubations fell.Of the 62 counties in the state, Suffolk County is the fifth most impacted by the virus.Personal protective equipment can last through the week, Bellone said, but he is still hunting for more.“The burn rate on all of this is incredible,” he said. “Early on here you had hospital workers recycling PPE that in the past would have been thrown out after one use.”Deaths are also coming awfully fast and morgue space is scarce.The county considered using ice rinks as temporary morgues before additional refrigerated trucks were brought in and an unused building on a county farm was converted into storage for bodies.“We can see the death toll and it is horrific, but what we can’t see is the emotional toll that this is taking on families and health care workers that may prove to be just as devastating,” Bellone said.Other Long Islanders haven’t been spared. In Nassau County, the third most impacted in the state, there are more than 18,500 confirmed cases, according to the state’s health department.Sen. Kevin Thomas, who represents part of Nassau, told ABC News personal protective equipment for medical workers there was similarly lacking.“We shouldn’t be begging or competing or asking for charity when it comes to the situation right now,” Thomas said.He estimated that hospitals were going through about 8,000 masks a day and needed more.Thomas said there was no time to play politics right now given the dire situation.Dorothy Goosby, a councilwoman for the Town of Hempstead who is seen as a civil rights icon on Long Island, said it’s been “a devastating time.”“So many friends, members of my church, neighbors have just passed away,” she told ABC News.Goosby herself tested positive for coronavirus in early March and spent several days at Winthrop Hospital. She said the nurses “worked around the clock.”She felt fortunate to “have the right treatment at the right time,” adding that when she was finally released, the hospital she entered looked very different.“I just closed my eyes in shock and prayed. I have never seen so many people waiting for help, it’s just mind boggling,” Goosby said. “People feel like they’re not getting help but I saw first hand those doctors and nurses are working as hard as they can.”Copyright © 2020, ABC Audio. All rights reserved.
LettersOn 11 Feb 2003 in Personnel Today Comments are closed. This week’s lettersNo substitute for real experience In ‘Outside input is needed to make HR strategic’ (HR Viewpoint, 28January), Alan Bailey claims HR business partners are few and far between andthe industry needs to look beyond HR to recruit and develop the stars of thefuture. As someone who has moved from a commercial background into HR, I cancertainly recommend it. Having been in PR all my working life – which includeddeveloping two consultancies – I realised my strengths also lie in peoplemanagement. I implemented training schemes in both consultancies, and we ended upwinning industry awards in PR for two consecutive years for our peopledevelopment programmes. About four years ago, after yet another three-hour meeting with a24-year-old brand manager, discussing the personality of his chocolate barbrand, I had to move on. One of my ex-colleagues, who was then chief executive of Edelman in London,asked me to “take a look at our HR – I don’t think we’re getting itright”. I explained that I had no qualifications in HR, but she insistedthat I was the right person because I had always had a leaning towards peoplemanagement and I understood how business worked. I agreed to do it in the short-term, but four years later I am very muchfull-time, having been given responsibility for developing best practice in HRin all of our 12 European offices, and more recently having started workingwith our offices in Canada, Asia Pacific and Latin America. Despite big differences in employment law across the offices and regions andcultural differences – including silly things such as the time of day I have tobreak for lunch when training (12 noon in Stockholm, 1pm in most of Europe, but2pm in Spain) – the challenges our managers face are exactly the same. How do you make sure you get the best people, how do you motivate them whenyou can’t always reward financially, and how do you get managers to take theirpeople management responsibilities seriously? I have now handed the London office over to a professional HR person, and amdeveloping HR staff in our other offices. I also work closely with seniormanagement to develop HR strategy, which places a lot of emphasis onrecruitment, motivation and retention of top talent. Do I miss PR? Not one bit. I still feel that I work in PR, but the challengeis getting the people management right, and focusing on the most important partof our business is a fascinating and ever-challenging scenario. It is demanding– long hours, lots of travel and sometimes having to clean up other people’smesses – but it is hugely rewarding and I know what I do makes a difference. I never really felt that way about the chocolate bar. Liz Fraser European director of HR, Edelman Career breaks can build staff loyalty I was really pleased to see the subject of career breaks covered so comprehensivelyin Personnel Today (Legal Q&As, 28 January). Career breaks are often overlooked as a way of attracting and retaining keystaff, and along with flexible working options are a good way of retainingexperienced people. The public relations industry – like many others in the service sector – isnotorious for its full-on, full-time attitude, with the result that anyemployee over 30 is treated a bit like an antique. We have found that the introduction of career breaks, sabbaticals and a moreflexible approach to work in the past two years has increased our retentionstatistics at the level we need it most – that is for those with more than fiveyears’ experience. Returnees come back fresh, relaxed, creative and, most of all, committed tothe business that gave them this opportunity. The philosophy may seem full of risk, but I can confirm that it’s worth itfrom an HR point of view. Carmel O’Kane HR manager, Firefly Communications Cheap alternative to Porter’s wisdomSo, we need to invest in labour force skills, innovation, and goods andservices that provide companies with sustainable competitive advantage, claimsProfessor Michael Porter (News, 28 January). This guy is amazing – worth every penny of the squillions paid to him by theDTI and others. Aged 57 and speeding downhill fast, I am more than happy to dispense wisdomof equal quality, and for a lot less cash. It might help me earn more than mymissus – a much younger HR manager. Do you think there is any chance that you could put in a good word for mewith the DTI? Paul Williams Training and development manager, Federal Mogul Powertrain Systems Previous Article Next Article Related posts:No related photos.
Home » News » Agencies & People » Volatile day in City for Countrywide as boss admits Purplebricks is now dominant previous nextAgencies & PeopleVolatile day in City for Countrywide as boss admits Purplebricks is now dominantBut Executive Chairman Peter Long says business now run by ‘experts’ and disarray created by Platt years is being reversed.Nigel Lewis8th March 201903,328 Views Shares in Countrywide sank to an all-time low of 8.85p each yesterday during volatile trading that saw its stock sink by over 12% as the company admitted Purplebricks is here to stay.Investors and traders reacted badly to its latest results for 2018 which revealed losses up by 5.5% to £218 million, revenues down by 7% overall and profits halved to £32.6 million.This created a rush to sell shares in the company and prompted its stock price to nose-dive. It then rallied after a webcast by its senior management team, who sought to reassure investors despite the bad news.During the investor webcast Executive Chairman Peter Long (pictured, above) described the business as having previously been ‘in disarray’. He said the foundations for growth had been laid and that 2018 was a reset year.“We have a great business which is run by experts,” he said. “We’ve now got a very strong management team as well as depth and breadth within our branch network.”During the presentation it was announced that 150 central IT staff had left the business, helping reduce costs. Other details revealed include that ‘long-dated onerous leases’ among its 800-branch network will cost it £7 million up until 2026.It was also revealed that its former Oxford Street London HQ had been costing £2 million a year to operate.Hybrid competitionLong and his MD Paul Creffield also passed comment on the company’s online rivals, admitting that Purplebricks was ‘here to stay’ but that the rest of the hybrid agency market had either disappeared or failed to gain significant market share.“No-frills online agents have not achieved the market penetration originally envisaged,” said Long.Himanshu raja Peter Long Paul Creffield Countrywide March 8, 2019Nigel LewisWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021 Hong Kong remains most expensive city to rent with London in 4th place30th April 2021