2012 Annual Report & Financial Statements - UBA Plc

More documents

Recommendations

Info

Admission Form United Bank for Africa Plc RC: 2457 PLEASE RETAIN THIS SECTION TO FACILITATE YOUR ADMISSION TO THE MEETING ADMISSION FORM Annual General Meeting United Bank for Africa Plc RC 2457 Please admit the shareholder named on this admission form or his/her duly appointed proxy to the Annual General Meeting of the company to be held as follows: DATE: June 7, 2013 TIME: 10:00 am VENUE: Transcorp Hilton Hotel, Abuja Name of Shareholder: Address: Account Number Number of shares held: Proxy Shareholder Please tick appropriate box before Admission to the meeting Bili A. Odum Company Secretary Shareholder’s signature: This card is to be signed at the venue in the presence of the Registrar. Registrars’ Stamp Africa Prudential Registrars Plc 220B, Ikorodu Road, Palmgrove Lagos, Nigeria
Page 1 and 2:
United Bank for Africa Plc RC: 2457
Page 3 and 4:
1 United Bank for Africa (UBA) Plc
Page 5 and 6:
3 Highlights of 2012 Performance Gr
Page 7 and 8:
5 Emmanuel N. Nnorom, Executive Dir
Page 9 and 10:
7 Angela Aneke, Non-Executive Direc
Page 11 and 12:
9 Emem Etuk, Regional Bank Head (Cr
Page 13 and 14:
11 Chairman’s Statement “We ach
Page 15 and 16:
13 Sustainability In conducting our
Page 17 and 18:
15 Chief Executive Officer’s Repo
Page 19 and 20:
17 Net interest income grew by 34.3
Page 21 and 22:
19 Review of Group Strategy Driven
Page 23 and 24:
21 UBA POST-RESTRUCTURE SHAREHOLDER
Page 25 and 26:
23 Group Financial Performance Revi
Page 27 and 28:
25 Non-Performing Loan Ratio (%) Ou
Page 29 and 30:
27 Review of UBA’s e-Banking Reso
Page 31 and 32:
29 Services (SMS, e-Mail Notificati
Page 33 and 34:
31 Education 2012 Projects include
Page 35 and 36:
33 Projects Besides these projects,
Page 37 and 38:
35 6. DIRECTORS The names of the Di
Page 39 and 40:
37 10. SUMMARY OF DEALING IN UBA SH
Page 41 and 42:
39 As a reflection of our diverse w
Page 43 and 44:
41 Customer Complaints Report Intro
Page 45 and 46:
43 Reports of the complaints receiv
Page 47 and 48:
45 Appointments and retirements Dur
Page 49 and 50:
47 Meetings are held at least once
Page 51 and 52:
49 S/N Members Number of meetings h
Page 53 and 54:
51 Audit Committee Report TO MEMBER
Page 55 and 56:
53 Statement of Directors’ Respon
Page 57 and 58:
55 Report on other legal requiremen
Page 59 and 60:
57 Consolidated and Separate Statem
Page 61 and 62:
59 (ii) Bank In millions of Nigeria
Page 63 and 64:
61 (ii) Bank In millions of Nigeria
Page 65 and 66:
63 Notes to the consolidated and se
Page 67 and 68:
65 recognition of further losses is
Page 69 and 70:
67 Deferred tax assets and liabilit
Page 71 and 72:
69 - there is an observable data in
Page 73 and 74:
71 Any interest in transferred fina
Page 75 and 76:
73 (n) Intangible assets (i) Goodwi
Page 77 and 78:
75 (v) (w) (x) Fiduciary activities
Page 79 and 80:
77 Impairment losses on initial cla
Page 81 and 82:
79 These Board committees are suppo
Page 83 and 84:
81 In playing this role, GALCO does
Page 85 and 86:
83 Risk Management Structure In res
Page 87 and 88:
85 Financial crime risk This is the
Page 89 and 90:
87 The universal market risk factor
Page 91 and 92:
89 Business continuity management B
Page 93 and 94:
91 - periodic vulnerability assessm
Page 95 and 96:
93 General risk rating process Unit
Page 97 and 98:
95 An estimate of the fair value of
Page 99 and 100:
97 Concentration by location (net)
Page 101 and 102:
99 Bank In millions of Nigerian Nai
Page 103 and 104:
101 Bank For the year ended 31 Dece
Page 105 and 106:
103 Loans and advances individually
Page 107 and 108:
105 Statement of Prudential adjustm
Page 109 and 110:
107 Group In millions of Nigerian N
Page 111 and 112:
109 Liquidity risk management focus
Page 113 and 114:
111 The tables below show the undis
Page 115 and 116:
113 1 January 2011 In millions of N
Page 117 and 118:
115 Market risk profile The Group
Page 119 and 120:
117 Analysis of the Group’s sensi
Page 121 and 122:
119 Group 31 December 2012 In milli
Page 123 and 124:
121 Group Bank Group Bank Group Ban
Page 125 and 126:
123 Group In millions of Nigerian N
Page 127 and 128:
125 Fixed income re-pricing gap Pri
Page 129 and 130:
127 Tier 2 capital, which includes
Page 131 and 132:
129 5. USE OF ESTIMATES AND JUDGEME
Page 133 and 134:
131 (b) (i) Group: December 2011 In
Page 135 and 136:
133 Business segments The Group ope
Page 137 and 138:
135 (b) Business reporting (i) 31 D
Page 139 and 140:
137 7. Financial assets and liabili
Page 141 and 142:
139 The table below sets out the Ba
Page 143 and 144:
141 9. Net fees and commission inco
Page 145 and 146:
143 16. Other operating expenses In
Page 147 and 148:
145 (c) Analysis of the result of d
Page 149 and 150:
147 21. Financial assets held-for-t
Page 151 and 152:
149 24. Investment securities In mi
Page 153 and 154:
151 In millions of Nigerian Naira (
Page 155 and 156: 153 In millions of Nigerian Naira B
Page 157 and 158: 155 (b) (i) Group As at 31 December
Page 159 and 160: 157 29. Intangible assets continued
Page 161 and 162: 159 30. Deferred tax assets and lia
Page 163 and 164: 161 30. Deferred tax assets and lia
Page 165 and 166: 163 34. Other liabilities continued
Page 167 and 168: 165 37. Capital and reserves contin
Page 169 and 170: 167 40. Related parties United Bank
Page 171 and 172: 169 41. Compensation to Employees a
Page 173 and 174: 171 44. Explanation of transition t
Page 175 and 176: 173 Reconciliation of equity In mil
Page 181 and 182: 179 Material adjustments reconcilin
Page 183 and 184: 181 44. Explanation of transition t
Page 185 and 186: 183 Statement of value added For th
Page 187 and 188: 185 Five-Year Financial Summary IFR
Page 189 and 190: 187 IFRS 31 December 2011 NGAAP Ban
Page 191 and 192: 189 Investor Information UBA is one
Page 193 and 194: 191 Top ten shareholders as at 31 D
Page 195 and 196: 193 Credit rating summary As of 31
Page 197 and 198: 195 Key Ratio Capital adequacy rati
Page 199: Shareholder Data Form United Bank f
Page 203: E-Share Allotment Mandate Form Unit
Page 209: Proxy Form United Bank for Africa P
Page 212: Subsidiaries with Contact Details N
show all

2012 Annual Report & Financial Statements - UBA Plc

Create successful ePaper yourself

Delete template?

Save as template?