You First

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Always Putting You First

The FirstBankerQ U A R T E R 2 , 2 0 1 6

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The 4th Annual GeneralMeeting (AGM) of FBN Holdings Plc.

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FBNation: News and reportsfrom FBNBanks

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Catching them Young:The Financial Literacy Outreach continues

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Elephant Queens: AllHail the Champions

The 4th AGM of FBN Holdings Plc

Inside FirstBank

uality is important to our Qbusiness because we value our customers. We strive

to provide our customers with products and services which meet and even exceed their expectations. We are committed to continuous improvement and have established a Complaints Quality Management System (CQMS) which provides a framework for effective and efficient handling of our customers’ complaints.

To achieve this, Management has ensured that quality objectives are established and communicated to all staff. These objectives are measurable and consistent with FirstBank’s Complaints Quality Management System.

FirstBank is committed to:being timely, consistent, fair and impartial when handling complaints;

treating all complaints received in line with laid down statutory and regulatory requirements;improving customer satisfaction;

DEAR FIRSTBANKERS,continuously challenging ourselves to improve our Quality Management System to guarantee efficiency in complaints handling;

promoting awareness of quality responsibilities amongst all employees through implementation of standards, training and coaching, supervision and effective communication.

Our complaints handling procedures are reviewed regularly and are held in a Quality Manual which is made available to all employees. This policy is hosted on the FirstBank website and is available at all our branches to customers and interested third parties.

At FirstBank, we realise that quality is everyone’s responsibility and in this context, we are committed to providing the necessary leadership, management and resources required to ensure the viability and continued fitness for purpose of FirstBank’s Complaints Quality Management System (CQMS).

AT FIRSTBANK, WE REALISE THAT QUALITY IS EVERYONE’S RESPONSIBILITY AND IN THIS

CONTEXT, WE ARE COMMITTED TO PROVIDING THE NECESSARY LEADERSHIP, MANAGEMENT

AND RESOURCES REQUIRED TO ENSURE THE VIABILITY AND

CONTINUED FITNESS FOR PURPOSE OF FIRSTBANK’S

COMPLAINTS QUALITY MANAGEMENT SYSTEM (CQMS)

The FirstBanker 02

Inside FirstBank

The FirstBanker 03

UK EKE, MFR, GMD, FBN HOLDINGS

* Commercial Banking Group ** Core and non-core as at 31 December 2015

2015 PERFORMANCE:

BN Holdings Plc, the leading Fdiversified financial services group in sub-Saharan Africa with presence in

eight African countries and offices in London, Paris, Beijing and Abu Dhabi, closed 2015 with gross earnings of N505.2 billion, total assets of N4.2 trillion and N578.8 billion in total equity. Dr. Oba Otudeko, FBN Holdings Plc Chairman, announced the result at the 4th Annual General Meeting on May 26, 2016 in Lagos and proposed a dividend of N5.38billion which shareholders immediately voted to approve.

Dr. Otudeko said in his statement: “If you recall, in 2012 and 2013 we laid the foundation for our new holding company structure, putting in place the corporate governance framework and group operating model needed to run a world-class, diversified financial holding company and maximise extraction of synergy among members of the Group. With a solid foundation firmly in place, we are now in execution mode to extract optimum benefits for our customers and our stakeholders in the

wake of an increasingly fierce operating environment.”

UK Eke, GMD, FBN Holdings Plc, praised the staff of the FirstBank Group for the performance saying;

“We consider our people as our most important asset, and remain supportive through investment in training and development. Our award-winning training facility, FirstAcademy, will continue to enjoy tremendous support from the Group, ensuring that we strengthen our knowledge base and equip our people to confront the challenges and stay ahead of the curve.”

FBN HOLDINGS GROSS EARNINGS GROW 4.9% TO N505.2 BILLION

DR. OBA OTUDEKO, CFRCHAIRMAN, FBN HOLDINGS

CLICK HERE FOR CQMS MANUAL

Inside FirstBank

uality is important to our Qbusiness because we value our customers. We strive

to provide our customers with products and services which meet and even exceed their expectations. We are committed to continuous improvement and have established a Complaints Quality Management System (CQMS) which provides a framework for effective and efficient handling of our customers’ complaints.

To achieve this, Management has ensured that quality objectives are established and communicated to all staff. These objectives are measurable and consistent with FirstBank’s Complaints Quality Management System.

FirstBank is committed to:being timely, consistent, fair and impartial when handling complaints;

treating all complaints received in line with laid down statutory and regulatory requirements;improving customer satisfaction;

DEAR FIRSTBANKERS,continuously challenging ourselves to improve our Quality Management System to guarantee efficiency in complaints handling;

promoting awareness of quality responsibilities amongst all employees through implementation of standards, training and coaching, supervision and effective communication.

Our complaints handling procedures are reviewed regularly and are held in a Quality Manual which is made available to all employees. This policy is hosted on the FirstBank website and is available at all our branches to customers and interested third parties.

At FirstBank, we realise that quality is everyone’s responsibility and in this context, we are committed to providing the necessary leadership, management and resources required to ensure the viability and continued fitness for purpose of FirstBank’s Complaints Quality Management System (CQMS).

AT FIRSTBANK, WE REALISE THAT QUALITY IS EVERYONE’S RESPONSIBILITY AND IN THIS

CONTEXT, WE ARE COMMITTED TO PROVIDING THE NECESSARY LEADERSHIP, MANAGEMENT

AND RESOURCES REQUIRED TO ENSURE THE VIABILITY AND

CONTINUED FITNESS FOR PURPOSE OF FIRSTBANK’S

COMPLAINTS QUALITY MANAGEMENT SYSTEM (CQMS)

The FirstBanker 02

Inside FirstBank

The FirstBanker 03

UK EKE, MFR, GMD, FBN HOLDINGS

* Commercial Banking Group ** Core and non-core as at 31 December 2015

2015 PERFORMANCE:

BN Holdings Plc, the leading Fdiversified financial services group in sub-Saharan Africa with presence in

eight African countries and offices in London, Paris, Beijing and Abu Dhabi, closed 2015 with gross earnings of N505.2 billion, total assets of N4.2 trillion and N578.8 billion in total equity. Dr. Oba Otudeko, FBN Holdings Plc Chairman, announced the result at the 4th Annual General Meeting on May 26, 2016 in Lagos and proposed a dividend of N5.38billion which shareholders immediately voted to approve.

Dr. Otudeko said in his statement: “If you recall, in 2012 and 2013 we laid the foundation for our new holding company structure, putting in place the corporate governance framework and group operating model needed to run a world-class, diversified financial holding company and maximise extraction of synergy among members of the Group. With a solid foundation firmly in place, we are now in execution mode to extract optimum benefits for our customers and our stakeholders in the

wake of an increasingly fierce operating environment.”

UK Eke, GMD, FBN Holdings Plc, praised the staff of the FirstBank Group for the performance saying;

“We consider our people as our most important asset, and remain supportive through investment in training and development. Our award-winning training facility, FirstAcademy, will continue to enjoy tremendous support from the Group, ensuring that we strengthen our knowledge base and equip our people to confront the challenges and stay ahead of the curve.”

FBN HOLDINGS GROSS EARNINGS GROW 4.9% TO N505.2 BILLION

DR. OBA OTUDEKO, CFRCHAIRMAN, FBN HOLDINGS

CLICK HERE FOR CQMS MANUAL

The 4th Annual General Meeting of FBN Holdings Plc held Thursday, May 26, 2016at the Zinnia Hall, Eko Hotel & Suites, Lagos. Here are pictures from the event.AGM

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1. Mrs. Omobola Johnson, former Minister of Communication and Technology and Director, FBN Merchant Bank with Mrs Ibukun Awosika, Chairman, FirstBank 2. UK Eke, MFR, GMD, FBN Holdings, Dr. Oba Otudeko, CFR, Chairman FBN Holdings, Tijjani Borodo, Company Secretary, FBN Holdings and Dr. Sola Adeduntan, MD/CEO, FirstBank. 3. Nkiruka Harris - Eze, Group Head, Public Sector, FirstBank, Port Harcourt, Gbenga Shobo, DMD, FirstBank, and Funke Ladimeji, Head, Operations and Technology, FBN Merchant Bank Limited. 4. Oluyemisi Lanre-Phillips, Head, Investor Relations, FBN Holdings, Abdullahi Ibrahim, Group Executive, Retail Banking, North and Nnaemeka Ejeh, Regional Head, Retail South. 5. Dr. Remi Oni, ED, Corporate Banking, Chief Otaka Eme, MD, Otems Nigeria Limited and shareholders. 6. Val Ojumah, MD, FBN Insurance Limited, Margaret Baale, Acting MD, FBN Capital, Fidelis Ojeah, MD, FBN Insurance Brokers. 7. & 8. Cross section of shareholders.

1. Dr. Oba Otudeko, CFR, Chairman, FBN Holdings, flanked by UK Eke, MFR,GMD (left) and Tijjani Borodo, Company Secretary (right).2. (L-R)Mohammed K. Ahmad, Non-Executive Director, Dr. Sola Adeduntan, Director FBN Holdings and MD/CEO First Bank of Nigeria Limited & Subsidiaries and Dr Hamza Wuro Bokki, Independent Director.3. (L-R) Oye Hassan-Odukale, MFR,and Omatseyin Ayida both Non - Executive Directors andChidi Anya, Independent Director.

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The FirstBanker 04 The FirstBanker 05

The 4th Annual General Meeting of FBN Holdings Plc held Thursday, May 26, 2016at the Zinnia Hall, Eko Hotel & Suites, Lagos. Here are pictures from the event.AGM

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2 3

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1. Mrs. Omobola Johnson, former Minister of Communication and Technology and Director, FBN Merchant Bank with Mrs Ibukun Awosika, Chairman, FirstBank 2. UK Eke, MFR, GMD, FBN Holdings, Dr. Oba Otudeko, CFR, Chairman FBN Holdings, Tijjani Borodo, Company Secretary, FBN Holdings and Dr. Sola Adeduntan, MD/CEO, FirstBank. 3. Nkiruka Harris - Eze, Group Head, Public Sector, FirstBank, Port Harcourt, Gbenga Shobo, DMD, FirstBank, and Funke Ladimeji, Head, Operations and Technology, FBN Merchant Bank Limited. 4. Oluyemisi Lanre-Phillips, Head, Investor Relations, FBN Holdings, Abdullahi Ibrahim, Group Executive, Retail Banking, North and Nnaemeka Ejeh, Regional Head, Retail South. 5. Dr. Remi Oni, ED, Corporate Banking, Chief Otaka Eme, MD, Otems Nigeria Limited and shareholders. 6. Val Ojumah, MD, FBN Insurance Limited, Margaret Baale, Acting MD, FBN Capital, Fidelis Ojeah, MD, FBN Insurance Brokers. 7. & 8. Cross section of shareholders.

1. Dr. Oba Otudeko, CFR, Chairman, FBN Holdings, flanked by UK Eke, MFR,GMD (left) and Tijjani Borodo, Company Secretary (right).2. (L-R)Mohammed K. Ahmad, Non-Executive Director, Dr. Sola Adeduntan, Director FBN Holdings and MD/CEO First Bank of Nigeria Limited & Subsidiaries and Dr Hamza Wuro Bokki, Independent Director.3. (L-R) Oye Hassan-Odukale, MFR,and Omatseyin Ayida both Non - Executive Directors andChidi Anya, Independent Director.

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The FirstBanker 04 The FirstBanker 05

SENEGAL:

ICB SENEGAL REBRANDS TO FBNBANK

CB Senegal has rebranded to IFBNBank Senegal completing the integration process of ICB

banks following the 100 percent acquisition of the International Commercial Bank Financial Group Holdings Ag African assets by FirstBank. A cut over campaign kicked off internally and then externally to announce the arrival of the new bank. An internal brand reveal campaign was kicked off in order to get the staff ready for the launch of the new brand on January 11, 2016. Between November and December 2015, the staff received e-flyers announcing the arrival of the new brand. There was excitement and suspense as staff were eager to see what was behind the red curtain. The excitement spread beyond the bank to the customers and the general public. The launch of FBNBank Senegal on January 11, 2016, put to rest the brand ICB. With this cutover campaign, we were able to use the media to sustainably establish the credibility of messages and anchor the brand in the daily experiences of our customers. The campaign went on for three months via radio, daily press, out-of-home and web ads, we were

able to successfully launch FBNBank and promote the parent company by increasing interaction between the customers and the Bank. A soft brand unveiling event was held, and all staff participated and showed faith and excitement in the arrival of our new brand.

DR CONGO:

“ARE YOU FIRST WITHYOUR BANK?”

The FirstBanker 07

FBNation

BNBank DRC has Fkicked off its brand sustenance campaign

to boldly announce itself as the offspring of a leading banking institution in sub-Saharan Africa. The campaign began on social media in April and followed with TV and radio in May. All staff of FBNBank DRC are ecstatic as the brand is being projected live and strong to millions of Congolese across a territory that is two and half times Nigeria's size. People are being exposed to various messages on the brand and what it seeks to deliver to the customer through TV, radio, billboards, branch posters and digital media.Through this campaign, we will at once address current brand visibility gap, increase brand awareness above 60%, reposition the Bank to gain 60% brand likeability and increase market penetration, ensuring FBNBank has an irrepressible presence in the financial sector in DRC.

Katanga is the pivotal province for corporate and up-market retail

banking with about 4 million people and the centre of mining activities in DRC. To compete favourably, one of the pillars of FBNBank's strategy has been to recruit a Senior Executive with good knowledge of the Katanga region and Congolese banking sector. That man is Gaetan Munkeni, who joined FBNBank DRC in Quarter 1, 2016 as Head of Katanga Region.

MUNKENI HEADSTO KATANGA

The FirstBanker 06

FBNation

GHANA:

ODEYEMI TAKES OVER AS CEO, FBNBANK GHANA

rs. Bashirat Odunewu, MGroup Executive, International Banking

Group, was in Ghana recently to attend the Quarter 2 meeting of the Board of FBNBank Ghana and introduce Gbenga Odeyemi, the Bank’s new Managing Director/CEO. Odeyemi succeeds Mr. Seyi Oyefeso who has been appointed Group Executive, Commercial Banking at FirstBank. Odeyemi moved to Ghana from South Africa where he was Chief Representative Officer of FirstBank. He has more than two decades of

banking experience and has served the bank in various capacities. Oyefeso was treated to a surprise farewell party at the Coconut Grove Regency Hotel, Accra, attended by MANCO members and Bank staff. Guests recounted their fond memories of working with Mr. Oyefeso, who expressed his appreciation to them for making him a successful MD/CEO and tasked them to support his successor, Odeyemi, by contributing towards ensuring that the Bank attains its aspiration of being among the tier two banks in terms of profitability in Ghana in 2016.

he Risk Management Group of TFBNBank Ghana has organized a series of training programmes meant

to keep staff abreast of the Bank's Credit Policy. The training is in line with the Bank's strategy of improving the efficiency and effectiveness of the Bank's credit process. Staff in both the strategic business units and strategic support functions have all benefitted from the Credit Policy training. Mohammed Ozamah, Chief Risk Officer said that risk management was a shared responsibility and highlighted the various types of risks staff have to manage in the discharge of their duties. Samuel Osew-Kwatia, Group Head, Retail Banking, said staff understanding of the Bank's risk management framework would enable the Bank offer the much needed support to customers and ensure that the Bank does not lose money. Gerald Quartey, Head of Credit Risk Management, said that the training is expected to enlighten staff and make them efficient in the administration of the Bank's credit process. The training would be rounded up with an examination for participating staff in June 2016.

FBNBANK GHANA STAFF LEARN THE BANK'S CREDIT POLICY

CLICK HERE TO LEARN MORE ABOUT FBNBANK DRC

Mrs. Bashirat OdunewuGbenga Odeyemi, (l) new CEO, with Seyi Oyefeso his predecessor attired in a Ghanaian outfit he was presented with at the send-off

Mr. Seyi Oyefeso receiving farewell gifts

SENEGAL:

ICB SENEGAL REBRANDS TO FBNBANK

CB Senegal has rebranded to IFBNBank Senegal completing the integration process of ICB

banks following the 100 percent acquisition of the International Commercial Bank Financial Group Holdings Ag African assets by FirstBank. A cut over campaign kicked off internally and then externally to announce the arrival of the new bank. An internal brand reveal campaign was kicked off in order to get the staff ready for the launch of the new brand on January 11, 2016. Between November and December 2015, the staff received e-flyers announcing the arrival of the new brand. There was excitement and suspense as staff were eager to see what was behind the red curtain. The excitement spread beyond the bank to the customers and the general public. The launch of FBNBank Senegal on January 11, 2016, put to rest the brand ICB. With this cutover campaign, we were able to use the media to sustainably establish the credibility of messages and anchor the brand in the daily experiences of our customers. The campaign went on for three months via radio, daily press, out-of-home and web ads, we were

able to successfully launch FBNBank and promote the parent company by increasing interaction between the customers and the Bank. A soft brand unveiling event was held, and all staff participated and showed faith and excitement in the arrival of our new brand.

DR CONGO:

“ARE YOU FIRST WITHYOUR BANK?”

The FirstBanker 07

FBNation

BNBank DRC has Fkicked off its brand sustenance campaign

to boldly announce itself as the offspring of a leading banking institution in sub-Saharan Africa. The campaign began on social media in April and followed with TV and radio in May. All staff of FBNBank DRC are ecstatic as the brand is being projected live and strong to millions of Congolese across a territory that is two and half times Nigeria's size. People are being exposed to various messages on the brand and what it seeks to deliver to the customer through TV, radio, billboards, branch posters and digital media.Through this campaign, we will at once address current brand visibility gap, increase brand awareness above 60%, reposition the Bank to gain 60% brand likeability and increase market penetration, ensuring FBNBank has an irrepressible presence in the financial sector in DRC.

Katanga is the pivotal province for corporate and up-market retail

banking with about 4 million people and the centre of mining activities in DRC. To compete favourably, one of the pillars of FBNBank's strategy has been to recruit a Senior Executive with good knowledge of the Katanga region and Congolese banking sector. That man is Gaetan Munkeni, who joined FBNBank DRC in Quarter 1, 2016 as Head of Katanga Region.

MUNKENI HEADSTO KATANGA

The FirstBanker 06

FBNation

GHANA:

ODEYEMI TAKES OVER AS CEO, FBNBANK GHANA

rs. Bashirat Odunewu, MGroup Executive, International Banking

Group, was in Ghana recently to attend the Quarter 2 meeting of the Board of FBNBank Ghana and introduce Gbenga Odeyemi, the Bank’s new Managing Director/CEO. Odeyemi succeeds Mr. Seyi Oyefeso who has been appointed Group Executive, Commercial Banking at FirstBank. Odeyemi moved to Ghana from South Africa where he was Chief Representative Officer of FirstBank. He has more than two decades of

banking experience and has served the bank in various capacities. Oyefeso was treated to a surprise farewell party at the Coconut Grove Regency Hotel, Accra, attended by MANCO members and Bank staff. Guests recounted their fond memories of working with Mr. Oyefeso, who expressed his appreciation to them for making him a successful MD/CEO and tasked them to support his successor, Odeyemi, by contributing towards ensuring that the Bank attains its aspiration of being among the tier two banks in terms of profitability in Ghana in 2016.

he Risk Management Group of TFBNBank Ghana has organized a series of training programmes meant

to keep staff abreast of the Bank's Credit Policy. The training is in line with the Bank's strategy of improving the efficiency and effectiveness of the Bank's credit process. Staff in both the strategic business units and strategic support functions have all benefitted from the Credit Policy training. Mohammed Ozamah, Chief Risk Officer said that risk management was a shared responsibility and highlighted the various types of risks staff have to manage in the discharge of their duties. Samuel Osew-Kwatia, Group Head, Retail Banking, said staff understanding of the Bank's risk management framework would enable the Bank offer the much needed support to customers and ensure that the Bank does not lose money. Gerald Quartey, Head of Credit Risk Management, said that the training is expected to enlighten staff and make them efficient in the administration of the Bank's credit process. The training would be rounded up with an examination for participating staff in June 2016.

FBNBANK GHANA STAFF LEARN THE BANK'S CREDIT POLICY

CLICK HERE TO LEARN MORE ABOUT FBNBANK DRC

Mrs. Bashirat OdunewuGbenga Odeyemi, (l) new CEO, with Seyi Oyefeso his predecessor attired in a Ghanaian outfit he was presented with at the send-off

Mr. Seyi Oyefeso receiving farewell gifts

Inside FirstBank

The FirstBanker 08

n 2006, FirstBank introduced a Isegmented marketing strategy offering customers a

comprehensive and easily accessible suite of retail and consumer products. Called U-First at the time, it defined the Bank’s passion to meet and exceed customers’ needs and expectations with the letter “U” symbolizing the customers while the word “First” spoke to the high premium the Bank puts on customers as major drivers of its business. U-First symbolises the FirstBank Group commitment to put customers, communities and other stakeholders at the heart of its business. One area this is clearly demonstrated is in product development. Since 2006, FirstBank has launched a number of feature-rich banking products that meet and exceed customers’ expectations.Here are a number of You First

products: FirstSavings, FirstInstant, MeFirst, KidsFirst and XploreFirst, FirstCurrentPlus, FirstCurrent Business, FirstExclusive Current, Premium Banking, Diaspora Banking and FirstDom. Thanks to your commitment to always put customers first, FirstBank is now ranked as the No.1 SME-friendly bank in Nigeria with a total portfolio of N29.3billion as at April 2016. Total retail & consumer assets portfolio of the Bank has climbed to N163billion from N50billion in 2006, representing 226% growth in 10 years. The Bank’s PLAS (Personal Loan Against Salary) continues to blaze the trail in the industry and has over time become the toast of employees of blue-chip companies in the Oil & Gas, Telecoms, and manufacturing sectors, posting a portfolio size of about N114 billion as at April 2016.

ALWAYS PUTTING

YOU FIRST

FirstBank’s mortgage products have been designed to help bridge the housing needs of Nigerians. It offers the longest tenor (240 months or at age 60 years whichever comes first) with competitive pricing and flexible repayment options for eligible customers. That FirstBank has been awarded the Most Valuable Bank Brand in Nigeria for five consecutive years is a testament of how fulfilling the U-First products offerings are to the Bank customers.

CLICK HERE FOR MORE ON SMEs

You First

Inside FirstBank

The FirstBanker 09

bukun Awosika, entrepreneur and IChairman of FirstBank was keynote speaker at the 2016

edition of Inspire for Women with the theme: Raising Women for Leadership in Politics, Business, Career and Family. She was joined by Jane Ajuluchukwu, Professor of Cardiology and Head of Department, College of Medicine, University of Lagos and Adesuwa Onyenokwe, broadcaster and Publisher/Editor-in-Chief, Today's Woman Magazine, and together, they provided the more than 100 women in attendance, strategies for upping their game in a very competitive world.Mrs. Awosika urged participants to pursue their dreams with passion, adding that life is an adventure, and that “the important thing is you being at peace with who you are and defining who you will not be, so that when the option of who you will not be comes your way, you can stand your ground and say 'no, this is not who I want to be' and you can continue your adventure”. After the panel discussion session, the participants interacted with the speakers on a broad range of subjects to enable them unleash their potentials in their chosen carreer. The founder/coordinator, Mr. Azubike Obi presented recognition awards to each of the guest speakers.

Inspire for Women is the brainchild of Azubike Obi, staff of FirstBank and is organized to galvanize the women to excel in the society, cultivating a strengthened network of emerging voices for effective representation of Nigerian and African women in decision making positions. The 2016 conference which has held annually since 2013 took place on Monday, May 2, 2016 at the Agip Recital Hall with over 100 women and men in attendance. Top, speakers, (L - R) Prof Jane Ajuluchukwu, Mrs Adesuwa Onyenokwe and Mrs Ibukun Awosika. Left: A participant during the question and answer session. Right: Azubike Obi making a presentation to Mrs Awosika.

Inside FirstBank

The FirstBanker 08

n 2006, FirstBank introduced a Isegmented marketing strategy offering customers a

comprehensive and easily accessible suite of retail and consumer products. Called U-First at the time, it defined the Bank’s passion to meet and exceed customers’ needs and expectations with the letter “U” symbolizing the customers while the word “First” spoke to the high premium the Bank puts on customers as major drivers of its business. U-First symbolises the FirstBank Group commitment to put customers, communities and other stakeholders at the heart of its business. One area this is clearly demonstrated is in product development. Since 2006, FirstBank has launched a number of feature-rich banking products that meet and exceed customers’ expectations.Here are a number of You First

products: FirstSavings, FirstInstant, MeFirst, KidsFirst and XploreFirst, FirstCurrentPlus, FirstCurrent Business, FirstExclusive Current, Premium Banking, Diaspora Banking and FirstDom. Thanks to your commitment to always put customers first, FirstBank is now ranked as the No.1 SME-friendly bank in Nigeria with a total portfolio of N29.3billion as at April 2016. Total retail & consumer assets portfolio of the Bank has climbed to N163billion from N50billion in 2006, representing 226% growth in 10 years. The Bank’s PLAS (Personal Loan Against Salary) continues to blaze the trail in the industry and has over time become the toast of employees of blue-chip companies in the Oil & Gas, Telecoms, and manufacturing sectors, posting a portfolio size of about N114 billion as at April 2016.

ALWAYS PUTTING

YOU FIRST

FirstBank’s mortgage products have been designed to help bridge the housing needs of Nigerians. It offers the longest tenor (240 months or at age 60 years whichever comes first) with competitive pricing and flexible repayment options for eligible customers. That FirstBank has been awarded the Most Valuable Bank Brand in Nigeria for five consecutive years is a testament of how fulfilling the U-First products offerings are to the Bank customers.

CLICK HERE FOR MORE ON SMEs

You First

Inside FirstBank

The FirstBanker 09

bukun Awosika, entrepreneur and IChairman of FirstBank was keynote speaker at the 2016

edition of Inspire for Women with the theme: Raising Women for Leadership in Politics, Business, Career and Family. She was joined by Jane Ajuluchukwu, Professor of Cardiology and Head of Department, College of Medicine, University of Lagos and Adesuwa Onyenokwe, broadcaster and Publisher/Editor-in-Chief, Today's Woman Magazine, and together, they provided the more than 100 women in attendance, strategies for upping their game in a very competitive world.Mrs. Awosika urged participants to pursue their dreams with passion, adding that life is an adventure, and that “the important thing is you being at peace with who you are and defining who you will not be, so that when the option of who you will not be comes your way, you can stand your ground and say 'no, this is not who I want to be' and you can continue your adventure”. After the panel discussion session, the participants interacted with the speakers on a broad range of subjects to enable them unleash their potentials in their chosen carreer. The founder/coordinator, Mr. Azubike Obi presented recognition awards to each of the guest speakers.

Inspire for Women is the brainchild of Azubike Obi, staff of FirstBank and is organized to galvanize the women to excel in the society, cultivating a strengthened network of emerging voices for effective representation of Nigerian and African women in decision making positions. The 2016 conference which has held annually since 2013 took place on Monday, May 2, 2016 at the Agip Recital Hall with over 100 women and men in attendance. Top, speakers, (L - R) Prof Jane Ajuluchukwu, Mrs Adesuwa Onyenokwe and Mrs Ibukun Awosika. Left: A participant during the question and answer session. Right: Azubike Obi making a presentation to Mrs Awosika.

Community

The FirstBanker 11

Community

CATCHING THEM YOUNG

The FirstBanker 10

he Financial Literacy Day is a Tday set aside by the Central Bank of Nigeria (CBN) as part

of activities to promote financial literacy aimed at financial inclusion for the unbanked in the country. It is also part of activities commemorating the Global Money Week.Global Money Week (GMW) is a

global celebration, with events and activities aimed at inspiring children and youth to learn about money, saving, creating livelihoods, gaining employment and becoming entrepreneurs. The aim is to raise awareness of financial education, teach children and youth about money matters through fun and interactive activities.Annually, the CBN allocates

cities/states to respective banks and directs that each bank CEO adopts a school and conducts reach-out programmes on financial literacy to such schools. This year, Lokoja, capital city of Kogi

State was allocated to FirstBank and the Financial Literacy exercise took place at Harmony Secondary School, Lokoja on March 17, 2016. Mr. Abdullahi Ibrahim, FirstBank Group Executive (GE), Retail North represented the Bank's MD/CEO and delivered lectures around this year's theme: 'Take Part, Save Smart'. The lecture was delivered with the aid of a Junior Achievement Nigeria module. The students were empowered with the financial knowledge they need to be relevant in the world's global economy.

About 200 students of the school participated at the event where they asked questions regarding savings, investments and some of the Bank's youth-oriented products. The GE answered their questions. Thereafter, each of the students was presented with a gift bag containing branded gifts from the Bank. Besides, the GE, Retail North, also present at the event were: Head Corporate Responsibility and Sustainability, Mr. Ismail Omamegbe, officials from the school and some key officials from the Northern region of the Bank. Also, as part of activities marking the week, some secondary school students visited a branch of the Bank in Abuja to observe how day to day banking activities are conducted.

2016 Financial Literacy Day

(Global Money Week)

benga Adewale is currently a GFirstBank Brand Champion and his interest in sustainable

development has made him to undertake activities for social change. In 2014, he volunteered for the Bank's LEAP Africa youth development training programme at Eko Akete Senior School, Lagos-Island to teach and mentor the pupils on Leadership and Ethics. He recently organized an awareness programme on “understanding climate change” for the pupils of the school in

n furtherance of her efforts at Iengendering financial literacy amongst youths, FirstBank hosted

a financial literacy event at Meadow Hall School, Lekki, Phase 1, Lagos attended by more than 200 students. Ms. Tosin Ajayi of Amourem Production Company taught the students Financial Literacy using the CBN Curriculum. According to her, methods of exchange of goods and services had changed progressively to the present currency beginning from trade by barter to cowries, pound sterling and the naira. She also taught the students the importance of having a

HARMONY SECONDARY SCHOOL, LOKOJA

MEADOW HALL SCHOOL, LEKKI

savings culture and how money saved can be invested for profit. Mr. Akinwande Meadows of Products and Marketing Support, First Bank of Nigeria Ltd also took time to introduce the students to different products of the Bank such as MeFirst, KidsFirst and XploreFirst and their benefits. The event ended with the distribution of gift items from the Bank. The FutureFirst Programme is designed to ensure that youths are financially independent through fulfilling careers and the right financial knowledge.

THE FUTUREFIRST PROGRAMME

commemoration of the “Earth Day” on April 15th, 2016. As an Associate of Nigeria Leadership Initiative (an association with a mission to create a growing, global network of credible, accomplished community-spirited Nigerian leaders, committed to taking responsibility for driving positive change in Nigeria and Nigerian communities), he has been selected to serve as a volunteer Mentor in the 2016 Tony Elumelu Entrepreneurship Programme (TEEP).

GBENGA ADEWALE: A FIRSTBANKER DOING EXTRAORDINARY THINGS

Gbenga Adewale with students of Eko Akete Senior School, Lagos Island during FirstBank LEAP Africa Youth Development Training Programme

Abdullahi Ibrahim, FirstBank Group Executive addressing students’ questions at Harmony Secondary School, Lokoja.

A cross section of students of Harmony Secondary School, Lokoja at the event.

A student of Harmony Secondary School, Lokoja asking a question at the event

Akinwande Meadows, Products & Marketing Support (2nd left) and Tosin Ajayi of Amouren Production (middle) with students of Meadow Hall College

A cross section of students during the programme

Community

The FirstBanker 11

Community

CATCHING THEM YOUNG

The FirstBanker 10

he Financial Literacy Day is a Tday set aside by the Central Bank of Nigeria (CBN) as part

of activities to promote financial literacy aimed at financial inclusion for the unbanked in the country. It is also part of activities commemorating the Global Money Week.Global Money Week (GMW) is a

global celebration, with events and activities aimed at inspiring children and youth to learn about money, saving, creating livelihoods, gaining employment and becoming entrepreneurs. The aim is to raise awareness of financial education, teach children and youth about money matters through fun and interactive activities.Annually, the CBN allocates

cities/states to respective banks and directs that each bank CEO adopts a school and conducts reach-out programmes on financial literacy to such schools. This year, Lokoja, capital city of Kogi

State was allocated to FirstBank and the Financial Literacy exercise took place at Harmony Secondary School, Lokoja on March 17, 2016. Mr. Abdullahi Ibrahim, FirstBank Group Executive (GE), Retail North represented the Bank's MD/CEO and delivered lectures around this year's theme: 'Take Part, Save Smart'. The lecture was delivered with the aid of a Junior Achievement Nigeria module. The students were empowered with the financial knowledge they need to be relevant in the world's global economy.

About 200 students of the school participated at the event where they asked questions regarding savings, investments and some of the Bank's youth-oriented products. The GE answered their questions. Thereafter, each of the students was presented with a gift bag containing branded gifts from the Bank. Besides, the GE, Retail North, also present at the event were: Head Corporate Responsibility and Sustainability, Mr. Ismail Omamegbe, officials from the school and some key officials from the Northern region of the Bank. Also, as part of activities marking the week, some secondary school students visited a branch of the Bank in Abuja to observe how day to day banking activities are conducted.

2016 Financial Literacy Day

(Global Money Week)

benga Adewale is currently a GFirstBank Brand Champion and his interest in sustainable

development has made him to undertake activities for social change. In 2014, he volunteered for the Bank's LEAP Africa youth development training programme at Eko Akete Senior School, Lagos-Island to teach and mentor the pupils on Leadership and Ethics. He recently organized an awareness programme on “understanding climate change” for the pupils of the school in

n furtherance of her efforts at Iengendering financial literacy amongst youths, FirstBank hosted

a financial literacy event at Meadow Hall School, Lekki, Phase 1, Lagos attended by more than 200 students. Ms. Tosin Ajayi of Amourem Production Company taught the students Financial Literacy using the CBN Curriculum. According to her, methods of exchange of goods and services had changed progressively to the present currency beginning from trade by barter to cowries, pound sterling and the naira. She also taught the students the importance of having a

HARMONY SECONDARY SCHOOL, LOKOJA

MEADOW HALL SCHOOL, LEKKI

savings culture and how money saved can be invested for profit. Mr. Akinwande Meadows of Products and Marketing Support, First Bank of Nigeria Ltd also took time to introduce the students to different products of the Bank such as MeFirst, KidsFirst and XploreFirst and their benefits. The event ended with the distribution of gift items from the Bank. The FutureFirst Programme is designed to ensure that youths are financially independent through fulfilling careers and the right financial knowledge.

THE FUTUREFIRST PROGRAMME

commemoration of the “Earth Day” on April 15th, 2016. As an Associate of Nigeria Leadership Initiative (an association with a mission to create a growing, global network of credible, accomplished community-spirited Nigerian leaders, committed to taking responsibility for driving positive change in Nigeria and Nigerian communities), he has been selected to serve as a volunteer Mentor in the 2016 Tony Elumelu Entrepreneurship Programme (TEEP).

GBENGA ADEWALE: A FIRSTBANKER DOING EXTRAORDINARY THINGS

Gbenga Adewale with students of Eko Akete Senior School, Lagos Island during FirstBank LEAP Africa Youth Development Training Programme

Abdullahi Ibrahim, FirstBank Group Executive addressing students’ questions at Harmony Secondary School, Lokoja.

A cross section of students of Harmony Secondary School, Lokoja at the event.

A student of Harmony Secondary School, Lokoja asking a question at the event

Akinwande Meadows, Products & Marketing Support (2nd left) and Tosin Ajayi of Amouren Production (middle) with students of Meadow Hall College

A cross section of students during the programme

Sports

The FirstBanker 12 The FirstBanker 13

Sports

QUEEN OF

THE COURTSlephant Girls, the FirstBank EBasketball Club, are the winners of the just-

concluded 2015/2016 Zenith Bank Women's Basketball Championship. Their route to victory at the tournament came after defeating AHIP Queens in the quarter final, IGP Queens in the semi-final and the defending champions, Dolphins, whom they beat, 75 – 60. This victory means the team has won the championship seven times in its 12-year history. Our girls were determined this time as they stuck strictly to the tactics and game plan of the technical crew led by Coach Peter Ahmedu. They took control of the game from the blast of the whistle to the end of the game. In addition to winning the championship, four out of the five selected best players came from the Elephant Girls. They are:

FirstBank Elephant Girls are winners of the 2015/16 Zenith Bank Women’s

Basketball Championship

Magdalene Ukato, Nkechi Akashili, Chioma Udeaja and Okpe Atosu. And Nkechi Akashili was voted the Most Valuable Player of the tournament.

he fantastic performance of Tthe Elephant Girls dates back to many years. Since 2005 when

the Zenith female competition started in Nigeria, Elephant Girls have won the championship for seven out of 12 times. The Elephant Girls also conquered the whole FIBA West Africa twice in 2003 and 2009 clinching the prestigious title of champions on both occasions. In 2003, the Team represented Nigeria at the International Women Basketball Competition held in Brazil. By achieving these laudable feats, the girls have written the Bank's name in gold both locally and internationally.

The Basketball team coaching crew is led by Peter Ahmedu - chief coach, assisted by Christopher Okoh and Tayelolu Adeniyi. Other back room staff are: Christopher Evro as Masseur, Christopher Olufojude as protocol officer. Below are the names of the Girls that made the Bank proud:

1. Chioma Udeaja, Captain2. Atosu Upe, Assistant Captain3. Nwakanma Chidinma4. Nkem Uwa Akariwe5. Queen Ulabo6. Regina Deterem7. Juliet Chika Chinyere8. Akashili Nkechi9. Elawure Odion Tina

10. Adekoya Biliqis Omowunmi11. Onome Akinbode-James12. Daniel Bukky13. Magdalene Ukato14. Anaswem Joycet15. Isuambuk Mary16. Kondoh Aishatou17. Adaeze Jennifer Ezeh

Nkechi Akashili of FirstBank Elephant Girls Basketball Club receiving her tournament MVP trophy

Champion: FirstBank Elephant Girls

Sports

The FirstBanker 12 The FirstBanker 13

Sports

QUEEN OF

THE COURTSlephant Girls, the FirstBank EBasketball Club, are the winners of the just-

concluded 2015/2016 Zenith Bank Women's Basketball Championship. Their route to victory at the tournament came after defeating AHIP Queens in the quarter final, IGP Queens in the semi-final and the defending champions, Dolphins, whom they beat, 75 – 60. This victory means the team has won the championship seven times in its 12-year history. Our girls were determined this time as they stuck strictly to the tactics and game plan of the technical crew led by Coach Peter Ahmedu. They took control of the game from the blast of the whistle to the end of the game. In addition to winning the championship, four out of the five selected best players came from the Elephant Girls. They are:

FirstBank Elephant Girls are winners of the 2015/16 Zenith Bank Women’s

Basketball Championship

Magdalene Ukato, Nkechi Akashili, Chioma Udeaja and Okpe Atosu. And Nkechi Akashili was voted the Most Valuable Player of the tournament.

he fantastic performance of Tthe Elephant Girls dates back to many years. Since 2005 when

the Zenith female competition started in Nigeria, Elephant Girls have won the championship for seven out of 12 times. The Elephant Girls also conquered the whole FIBA West Africa twice in 2003 and 2009 clinching the prestigious title of champions on both occasions. In 2003, the Team represented Nigeria at the International Women Basketball Competition held in Brazil. By achieving these laudable feats, the girls have written the Bank's name in gold both locally and internationally.

The Basketball team coaching crew is led by Peter Ahmedu - chief coach, assisted by Christopher Okoh and Tayelolu Adeniyi. Other back room staff are: Christopher Evro as Masseur, Christopher Olufojude as protocol officer. Below are the names of the Girls that made the Bank proud:

1. Chioma Udeaja, Captain2. Atosu Upe, Assistant Captain3. Nwakanma Chidinma4. Nkem Uwa Akariwe5. Queen Ulabo6. Regina Deterem7. Juliet Chika Chinyere8. Akashili Nkechi9. Elawure Odion Tina

10. Adekoya Biliqis Omowunmi11. Onome Akinbode-James12. Daniel Bukky13. Magdalene Ukato14. Anaswem Joycet15. Isuambuk Mary16. Kondoh Aishatou17. Adaeze Jennifer Ezeh

Nkechi Akashili of FirstBank Elephant Girls Basketball Club receiving her tournament MVP trophy

Champion: FirstBank Elephant Girls

Etcetera

The FirstBanker 15

Kelechi Dibia (of FirstBank Port Harcourt) and Anthony Ogbunando.

Etcetera

Story by EO, a FirstBank staff

r. 'Remi Oni, appointed DExecutive Director, Corporate Banking

April 15, 2016, was Executive Director, Corporate & Institutional Banking, Nigeria and West Africa at Standard Chartered Bank, SCB. He also had concurrent primary responsibilities for the International Corporates Client Segment business for Standard Chartered Bank in West Africa. Prior to that, he held various senior management roles including Executive Director/Head of Origination & Client Coverage at SCB, Uganda and concurrently Regional Head, Network Clients business for SCB in Africa and Head of Local Corporates in SCB Nigeria. A seasoned banker with over 24 years' experience in Corporate Banking, Corporate Finance, Commercial Banking and Retail Banking, Remi brings to bear on the Board of FirstBank practical skills set in

MEET DR. 'REMI ONI, THE NEW EXECUTIVE DIRECTOR, CORPORATE BANKING

the areas of deals origination and structuring, relationship management, business management and strategy. He holds an MBA in Finance from the University of Ilorin, a Doctor of Veterinary Medicine (DVM), as well as Master of Science in Public Health and Preventive Medicine from Ahmadu Bello University, Zaria. He is an honorary member of the Chartered Institute of Bankers of Nigeria (CIBN), a member of the Equipment Leasing Association of Nigeria (ELAN) and the Nigerian Veterinary Medical Association (NVMA). 'Remi has also attended trainings in many renowned international institutions, including the prestigious Oxford University and INSEAD, Singapore campus. He is happily married and widely travelled.

Khadeejah Muhammed and Yusuf Abdulrahman Olajide, (of FirstBank, Ilesha)

Traditional marriage ceremony between Fatimah Mustapha (of M&CC) and Oladapo Afuwape

Faith Jacob and Gaius Nkemdirim (of FirstBank

Warri)

The FirstBanker 14

Etcetera

The FirstBanker 15

Kelechi Dibia (of FirstBank Port Harcourt) and Anthony Ogbunando.

Etcetera

Story by EO, a FirstBank staff

r. 'Remi Oni, appointed DExecutive Director, Corporate Banking

April 15, 2016, was Executive Director, Corporate & Institutional Banking, Nigeria and West Africa at Standard Chartered Bank, SCB. He also had concurrent primary responsibilities for the International Corporates Client Segment business for Standard Chartered Bank in West Africa. Prior to that, he held various senior management roles including Executive Director/Head of Origination & Client Coverage at SCB, Uganda and concurrently Regional Head, Network Clients business for SCB in Africa and Head of Local Corporates in SCB Nigeria. A seasoned banker with over 24 years' experience in Corporate Banking, Corporate Finance, Commercial Banking and Retail Banking, Remi brings to bear on the Board of FirstBank practical skills set in

MEET DR. 'REMI ONI, THE NEW EXECUTIVE DIRECTOR, CORPORATE BANKING

the areas of deals origination and structuring, relationship management, business management and strategy. He holds an MBA in Finance from the University of Ilorin, a Doctor of Veterinary Medicine (DVM), as well as Master of Science in Public Health and Preventive Medicine from Ahmadu Bello University, Zaria. He is an honorary member of the Chartered Institute of Bankers of Nigeria (CIBN), a member of the Equipment Leasing Association of Nigeria (ELAN) and the Nigerian Veterinary Medical Association (NVMA). 'Remi has also attended trainings in many renowned international institutions, including the prestigious Oxford University and INSEAD, Singapore campus. He is happily married and widely travelled.

Khadeejah Muhammed and Yusuf Abdulrahman Olajide, (of FirstBank, Ilesha)

Traditional marriage ceremony between Fatimah Mustapha (of M&CC) and Oladapo Afuwape

Faith Jacob and Gaius Nkemdirim (of FirstBank

Warri)

The FirstBanker 14

JUST DO IT!

The FirstBankerQ U A R T E R 2 , 2 0 1 6

The FirstBanker is published quarterly by the Marketing and Corporate Communications Department, First Bank of Nigeria Limited, 35, Marina, Lagos for internal use only. Contributions are welcomed from all staff. All contributions to thefirstbanker@firstbanknigeria.com. The Team: Folake Ani-Mumuney . Oze K. Oze . Bukola Oluyadi . Funmilayo Falola Production: WorkStation Limited, 3a, Rev Michael Egharevba Close, Awuse Estate, Ikeja Tel: +234 1 77 33 33 7, mails@workstationnigeria.com

“COMPARED TO WHAT WE ARE CAPABLE OF, WE ARE ONLY HALF-AWAKE. WE ARE MAKING USE OF ONLY A SMALL PART OF OUR PHYSICAL AND MENTAL RESOURCES. THE HUMAN INDIVIDUAL THUS LIVES FAR WITHIN HIS LIMITS. HE POSSESS POWERS OF VARIOUS SORTS IN WHICH HE HABITUALLY FAILS TO USE.” WILLIAM JAMES

Onyinye is a Digital Marketing Executive in FirstBank

hen I read this quote I Wpondered on it for days. How is this possible? Am I missing

something? How is it that I am only half awake? I mean between working an '8am-5pm' job, with all the extras, managing a home, raising a child and all the things that fill up my days such that I am always exhausted. How is it possible that I am ONLY half-awake?

Then it hit me.It is not as though any human being is

so busy that they have no time to make use of all the physical and mental resources available to us. No!

It is fear, a gigantic griping fear that stops us from doing more, from pushing beyond our comfort zone. Fear of failure, fear of rejection, fear of looking stupid. Just fear. But as Elon Musk, CEO of SpaceX and Tesla Motors put it succinctly, “If things are not failing you are not innovating enough”.

The limiting role fear plays in our lives

is so huge that we cannot afford to take it for granted.

Your mind and body will react the exact same way if a lion was standing in front of you and if you only imagined a lion was standing in front of you. Can you believe that? Your heart beats a little faster, your temperature drops, sweat beads start to form, even if your fear is only imagined and not a reality.

So I ask myself today and I encourage you to ask yourselves too:

What would I do today if I was not afraid?

Do my job better? Engage in my partnerships with more passion? Start a business? Travel the world? Go back to school of some sort? Jump off a cliff? Did I hear you say “what if i fail?”... But my dear, what if you fly :)

Just do it!

Onyinye P. NWACHUKWU

THE LIMITING ROLE FEAR PLAYS IN OUR LIVES IS

SO HUGE THAT WE CANNOT AFFORD TO

TAKE IT FOR GRANTED.

You too can own this page. Send your 400 -word commentary and recent portrait

to thefirstbanker@firstbanknigeria.com