FOR THE RECORD: CITN Commends FIRS over Tax Collection

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02/09/2019

Revenue derivable in Nigeria can broadly be categorized under Oil and Non-Oil revenue. The Nigerian economy had for many years been dependent upon revenues derived from Oil and Gas hence the infamous economic meltdown led to the decline in the revenue generated from petroleum resource from the early 2000 till date.

Following the recession that ensued, alternative sources of revenue generation, particularly from the non-oil sector, became the focus of the Federal Government.

The Federal Inland Revenue Service (“FIRS”) by virtue of Section 8 (1) of the Federal Inland Revenue Service (Establishment) Act, 2007 (“FIRSEA”) provides that the FIRS shall be responsible for assessment, collection, rendering of account and enforcement of payment of taxes as may be due to the Federal Government or any of its agencies; and they shall also collect, recover and pay to the designated account, any tax charged under any provision of the FIRSEA.

Consequent upon this, the FIRS has the sole responsibility of administering Federal taxes like the Value Added Tax, Personal Income Tax as restricted under the Act, Companies Income Tax, Stamp Duties, Capital Gains Tax, Petroleum Profits Tax, and National Information Technology Development Agency Levy.

While the FIRS only has control over non-oil revenue from taxes collected, Oil revenue collection figures are subject to more external forces such as the price of oil in the international market, which itself is subject to a myriad of factors beyond the control of local fiscal policy and jurisdiction.

The Nigerian National Petroleum Corporation (NNPC) has the sole responsibility for upstream and downstream developments, and is also charged with regulating and supervising the oil industry on behalf of the Nigerian Government.

Between 2012 – 2014 oil revenue accounted for 57.28% while non-oil revenue accounted for 42.72%, whilst for the period between 2016 – 2018, oil revenue accounted for 40.65% while non-oil revenue accounted for 59.33% of collected revenues.

It is pertinent to note that the fall in price of crude oil and reduction in crude oil production were traceable to vandalisation of pipelines and the effect of the recession on the economy in the second quarter of 2016, which slowed down general economic activities in the country. However, tax revenue grew as the economy recovered in the second quarter of 2017.

The Chartered Institute of Taxation of Nigeria notes that FIRS has severally adopted unique innovative strategies and initiatives in the collection of VAT during the period (2015 – 2017) that led to approximately 40% increase over 2012 – 2014 collection figures.

The various initiatives included ICT innovations, taxpayer education, taxpayer enlightenment and evaluation, etc. CITN (” the Institute”), as the only tax professional regulatory body in Nigeria, has keenly observed that since August 2015, the FIRS target for two major non-oil taxes were increased by 52% for VAT and 45% for CIT.

This period has not only witnessed increase in absolute collection figures, but has more than ever increased Tax Payers base and has brought Tax compliance consciousness to the Nigerian populace amongst others. There has never been a time in the modern history of Nigeria that Taxation has become a serious issue for conversation.

As part of our tax review mechanism, our Institute exudes confidence that the current strategies and initiatives will improve revenue collections and meet the expectations of the Government. It is hoped that with the adoption of more tax compliance strategies, the tax base will experience further widening to include more people, sectors and businesses into the tax net for enhanced revenue generation.

The FIRS has done credibly well and needs to be commended for these great giant steps by government and all well-meaning Nigerians. The job of Tax collectors is a tough one as tax payers do loathe them.

We are convinced that we have made some progress but yet to reach our objectives as regards taxation in Nigeria.

We urge the FIRS to join hands with CITN in its avowed quest to make taxation the foremost driver of our revenue generation in Nigeria.

Issued on Friday August 30, 2019 by

Adefisayo Awogbade, FCTI
Registrar/Chief Executive
Chartered Institute of Taxation of Nigeria

Stanbic IBTC Reports N117.4bn Earnings, N94bn Income Mid 2019

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30/08/2019

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Stanbic IBTC Holdings PLC, a member of the Standard Bank Group, has announced its mid-year audited results for the period ended June 30, 2019. The Group also announced an interim dividend of 100 kobo.

According to the Stanbic IBTC’s income statement, the Group recorded an increase in gross earnings to N117.4 billion, representing a 3% growth. The company also maintained its total operating income of N94 billion.

Profit before tax stood at N44.7 billion, while profit after tax was N36.2 billion. Other results reflect an increase in non-interest revenue which stood at N54.9 billion while net-interest income was N39.3 billion.

Stanbic IBTC’s balance sheet reflect that the Group’s total asset’s was N1,619.3 billion while the gross loans and advances was N479.7 billion, an increase in 5%, compared to last year’s figures. While customer deposit was N693.5 billion, there was an improvement in current-and-savings-accounts deposits mix which went up to 68.9%.

Speaking at the formal announcement of the results at the Stanbic IBTC Holdings PLC Headquarters, YinkaSanni, Chief Executive, Stanbic IBTC, stated that the Group’s business segments were profitable, despite the challenging business and regulatory environment.

He said: “Our financial results in the first half of 2019 reflected similar trends encountered in the first quarter. The operating environment remained muted, regulatory changes coupled with the highly competitive landscape continued to impact overall returns. Still, our diversified business model continues to set us apart. Our business segments remained profitable and resilient although at a slower pace when compared to prior year.”

Sanni disclosed that there has been a return to growth in the second quarter, mainly from the communication and oil and gas sectors. He further added that the gross non-performing loan to total loan ratio which was 3.91%, was within acceptable regulatory limits.

Speaking on other areas of the mid-year results in which the Group experienced growth, he noted that assets under custody rose to N7 trillion (representing a 42% growth) while assets under management grew by 8% to N3.5 trillion.

Sanni highlighted three areas through which Stanbic IBTC Holdings achieve growth targets as: EZ cash loan/advance, a recently launched instant credit solution; enhanced migration of customers to digital platforms and the launch of RetireWell Individual Retirement Savings Account, a retirement savings account targeted at self-employed individuals.

He shed more light on those initiatives: “To further drive credit growth, in the retail space, we launched an instant credit solution named EZ cash loan/advance, which gives access to loans in less than a minute to pre-approved customers. This, among other initiatives, will enable us achieve the targeted loan growth for the year.

“The disciplined execution of our digital strategy has seen customers increasingly adopting and transacting on our digital platforms. The number of transactions performed by customers on our digital channels was up 26% between H1 2019 and H1 2018. This translated into a year-on-year growth of 71% in electronic banking fees. Moreover, we instituted a digital academy targeted at equipping staff with digital skills at various levels while also driving collaboration with Fintech players to position us for early adoption of innovative solutions.

“Following the launch of the micro pension initiative by the government earlier in the year, we deployed the RetireWell Individual Retirement Savings Account. We have put in place strong agency network in key locations to drive growth in this area and we have made good progress in this regard.”

Financial Inclusion: FG Targets 36.6m Nigerians with Micro Financial Plans

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30/08/2019

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Following plans to meet its financial inclusion target, the Federal Government has restated its desire to capture over 36.6 million Nigerian adults, representing 36.8 per cent of the working population through the micro segment of insurance and pension sectors.

The figure includes self-employed Nigerians that are yet to officially embrace any form of financial services product.

Speaking at the 4th National Insurance and Pension Correspondents (NAIPCO) National Conference in Lagos state on Thursday, stakeholders in both sectors said majority of Nigerians in the informal sector were yet to be aware of the numerous benefits in embracing financial services products.

To ensure that every Nigerian have access to financial services, they said the Federal Government came up with micro insurance and micro pension products to penetrate the grassroots and also get to those not currently registered in the Contributory Pension Scheme [CPS] nor covered by any form of insurance.

To achieve the agenda, the Acting Director-General, National Pension Commission (PenCom), Mrs Aisha Dahir-Umar, said the commission planned extending pension coverage to 30 million contributors by 2024, thereby ensuring that 40 per cent adult Nigerians are covered under the CPS.

Dahir-Umar, who was represented by the Head, Benefit Administration Unit, PenCom, Babatunde Philips, said President Mohammadu Buhari, in March, 2019, launched the micro pension scheme to provide the informal sector with a veritable means of securing old age income.
According to her, “the commission has put in place requisite infrastructure to facilitate seamless implementation of MPP. The Enhanced Contribution Registration System (ECRS) has been deployed to facilitate seamless operations of the MPP. This system has so far aided the smooth registration of micro pension contributors.”

Speaking in the same vein, the Acting Commissioner for Insurance, Mr. Sunday Thomas, said the National Insurance Commission (NAICOM) had been doing a lot in terms of financial inclusion in the past eight years.

The acting commissioner, who was represented by the Director, Governance Enforcement and Compliance, Leo Aka, said it required collective efforts to ensure that Nigerians in the informal sector embrace financial services.

Looking at the demographic of Nigeria, Thomas said one would notice that unemployment rate in Nigeria was quiet high, adding that this was a signal that the industry needs to move fast to capture the people in the informal sector.

He said the insurance commission had issued some guidelines to ensure that those not in the formal sector embrace financial services.

Thomas added that while establishing the micro insurance guidelines, the commission ensured that the micro insurance products are very simple, easy to understand, affordable, valuable in that it should be able to address needs and remains efficient.

MTN Nigeria Subsidiary, YDFS, Launches MoMo Agent Network

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30/08/2019

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Following the successful award of a Super-Agent License, Y’ello Digital Financial Services, “YDFS,” a subsidiary of MTN Nigeria has opened its doors, announcing the launch of its super-agent network service named ‘MoMo Agent’at an event in Abuja on August 29, 2019.

The extensive network of MoMo Agents will immediately begin providing safe and accessible money transfer services to under-banked and unbanked people across Nigeria. With this, the company joins ongoing efforts to accelerate the Central Bank of Nigeria’s drive for financial inclusion.

Speaking at the launch, the Chief Executive Officer of MTN Nigeria, Ferdi Moolman said: “I am excited by the possibilities. We are fortunate to be part of the telecoms industry which underpins the digital economy and is critical to inclusive development and the future economic growth of this great nation. The launch of the YDFS MoMo Agent is especially significant to us. It further demonstrates our commitment to remain focused on enhancing Nigerians’ access to financial services and in so doing connect them to what is most important to them.”

The MoMo Agent Network compliments existing banking services by extending access to simple money transfer services and other financial services nationwide.

YDFS Director, Usoro Usoro noted: “Our MoMo Agent network opens up a host of opportunities, creating employment and facilitating business in rural and urban areas. Leveraging MTN’s extensive distribution network and capabilities, we are putting financial services within easy reach.

“Going forward, anyone, anywhere in Nigeria can send and receive money through a MoMo Agent in their neighbourhood. We intend to expand the range of financial services offered once the Central Bank grants approval for a Payment Banking license.”

Y’ello Digital Financial Services plan to rollout about 500,000 Agents spread across all states and the Federal Capital Territory.

IFC Divests 14.1% Stake in Ecobank to Arise B.V

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28/08/2019

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Ecobank Transnational Incorporated (ETI) announces that IFC and the funds managed by the IFC Asset Management Company (AMC) have completed the sale of their c.14.1 percent stake in ETI to Arise B.V. (Arise). Accordingly, Arise has become a shareholder of reference in ETI with a c.14.1 percent stake.
Following the completion of the transaction, Paolo Martelli, Senior Advisor at IFC said: “As part of its ordinary asset portfolio rotation, IFC has divested its shareholding in ETI to Arise B.V, a highly reputable Investment House with a strong developmental mandate for Africa. IFC invested in Ecobank for more than ten years and our investment has helped to increase access to credit for entrepreneurs and SMEs in Sub Saharan African Countries (including in IDA countries) in which the bank operates, achieving the development impact we sought when we made the investment. IFC maintains its strong commitment to the development of the Sub Saharan African Region and is continuing to invest in other projects in these countries.”
Deepak Malik, Chief Executive Officer of Arise said: “In line with our core business mandate of investing in Africa’s local prosperity we are excited to have acquired c.14.1 % shareholding in Ecobank Transnational Incorporated (ETI). Arise aims to collaborate with local Financial Service Providers (FSPs) in Sub – Saharan Africa to boost economic growth through strengthening the local banking sector. This transaction with ETI will see Arise collaborate with Ecobank to advance financial inclusion on the continent”.
Ade Ayeyemi, Chief Executive Officer of ETI said: “We welcome Arise as a shareholder of ETI and believe that there would be a strong synergy in our core objectives especially in ensuring and enshrining financial inclusion and the potential for the development of our continent. We must also take the opportunity to extend our deep appreciation to IFC for its commitment to and support for Ecobank in the last 10 years. We made meaningful progress with the strong collaboration and look forward to continuing to work with IFC in other areas in the future”.

‘Women-Key to the Future of Crypto-Economy’

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28/08/2019

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Paxful planning to expand presence in South Africa. Plans Africa-wide recruitment drive with a focus on women; The global bitcoin marketplace also becomes the first bitcoin peer-to-peer marketplace to launch an app.
While looking into expanding its presence in South Africa, Paxful is hoping to nurture as much female talent as possible. Almost 40% of Paxful’s employees are women and the company is set to further increase female appointments in its offices across the globe, located in New York City, Hong Kong, Estonia, and the Philippines.
While overall female participation in the broader crypto-economy, according to several sources including WEF is estimated at between 1% – 5% globally, Paxful believes that growing female participation in crypto will be key to the sector’s continued innovation and success. “Women are critical to the future of the crypto-economy and we are committed to fostering more diversity and supporting efforts to attract more women to make their mark in the industry” says Ray Youssef, co-founder and CEO of Paxful.
Youseff adds: “We’ve already seen the incredible contribution that women have made to the technology sector overall as founders, developers, product managers, investors and more. The crypto-economy could greatly benefit from the rich diversity of skills, perspectives, experiences and many other unique resources that women can offer. Further, in my opinion, women are decidedly better community builders, which is a very important factor in driving a peer-to-peer economy like the crypto space. At Paxful globally, many of our senior leadership roles are held by women.”

Japan to Support 50m Tonnes Rice Production in Africa

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28/08/2019

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The Sasakawa Association will work with the Japan International Corporation Agency (JICA) to help double rice production to 50 million tonnes in Africa by 2030. Japanese Prime Minister Shinzo Abe made the announcement at the Sasakawa Africa Association (SAA) symposium held on Wednesday during TICAD7.
“Japanese technology can play a key role in innovation which is key to agriculture,” Prime Minister Shinzo Abe told delegates.
“We’ve always believed in the agriculture potential of Africa,” said Yohei Sasakawa, Chairman of the Nippon foundation. “We are paying more attention to income-generating activities. We want to help shift the mindset of small-holder farmers from producing-to-eat to producing-to-sell. We are hopeful that Africa’s youth can take agriculture to a new era, and that they can see a career path in agriculture,” he added.
In a keynote address, African Development Bank Group President, Akinwumi Adesina, called for urgent and concerted efforts to “end hunger”.
“In spite of all the gains made in agriculture, we are not winning the global war against hunger. We must all arise collectively and end global hunger. To do that, we must end hunger in Africa. Hunger diminishes our humanity,” Adesina urged.
According to the FAO’s 2019 State of Food and Security, the number of hungry people globally stands at a disconcerting 821 million. Africa alone accounts for 31% of the global number of hungry people – 251 million people.

Verve Global Card Unveils 1st Int Transaction in New York

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27/08/2019

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Capture — L-R: Mitchell Elegbe, Founder/GMD, Interswitch Group, Joseph Hurley, Snr. Vice President, Payment Services, Discover Financial Services, Francis Gbenga Shobo, Deputy Managing Director, First Bank, Olubusola Osilaja, Divisional head, eBusiness, Access Bank, Martins Izuogbe, Divisional Head, Operations, Fidelity Bank, Diane Offereins, Executive Vice President, Payment Services, Discover, Chuma Ezirim, Group Executive, Retail & E-Business, First Bank, and Mike Ogbalu, Divisional CEO, Verve, at the Verve Global Card Launch in New York.

Verve, a leading payments technology and card business in Africa and Discover Global Network, the payments brand of Discover, today held an event to launch the Verve Global Card.

Cardholders will now have the ability to use their Verve Global Cards on the Discover Global Network which provides acceptance in more than 190 countries and territories. This will expand Verve’s existing suite of tailored payment products and solutions for its customers.

The first transaction occurred today at Swarovski in New York City. Senior executives from First Bank, Access Bank and Fidelity Bank purchased various items from Swarovski using their Verve Global Card on the Discover Global Network.

The agreement with Discover Global Network will facilitate new international and cross border transaction capabilities for Verve Global Card customers, meeting the needs of its increasingly global customer base.

L-R: Mitchell Elegbe, Founder/GMD, Interswitch Group, Joseph Hurley, Snr. Vice President, Payment Services, Discover Financial Services, Francis Gbenga Shobo, Deputy Managing Director, First Bank, Olubusola Osilaja, Divisional head, eBusiness, Access Bank, Martins Izuogbe, Divisional Head, Operations, Fidelity Bank, Diane Offereins, Executive Vice President, Payment Services, Discover, Chuma Ezirim, Group Executive, Retail & E-Business, First Bank, and Mike Ogbalu, Divisional CEO, Verve, at the Verve Global Card Launch in New York.

Holders of the new card can make payments outside Africa on the Discover Global Network which includes anywhere Discover, Diners Club International and Pulse and affiliate network cards are accepted. Verve Global Card also delivers additional benefits to cardholders including broad reward and loyalty schemes; benefits that are available both locally and internationally.

Mitchell Elegbe, Interswitch Group Managing Director, commented on the announcement: “The agreement with Discover Global Network will enable Verve to compete with other global card offerings, providing cardholders with an enhanced customer experience when transacting globally outside Nigeria. Creating a solution which facilitates international payments for our consumers will help to eliminate existing barriers and simplify the process when transacting abroad.”

“It is important to us that we are working with groups around the world to extend acceptance for their cardholders,” said Ricardo Leite, senior vice president of international markets at Discover. “At Discover, we recognize the importance of being able to use your card of choice no matter where you are traveling.”

Mike Ogbalu III, Verve International Divisional Chief Executive Officer, also commented on the announcement saying, “The launch of the Verve Global Card, provides consumers with the ability to transact globally across the US and other countries, addressing challenges that many Nigerians have experienced while travelling abroad. Our partnership with Discover Global Network will help us to optimize the overall experience of every Verve Global card holder by guaranteeing consistent and efficient payment solutions regardless of where they are in the world.”

About Verve

Verve is Interswitch Group’s innovative card scheme offering products and solutions that enable consumers to transact all over Nigeria and across international markets. As the first African card scheme to be recognized as a valid, globally accepted e-payment gateway, we have built a world-class value chain ecosystem that benefit from the services that we provide.

About Interswitch Group

Interswitch is a digital payment company of African Origin focused on providing convenience and real value for consumers. We facilitate the seamless electronic circulation of money as well as value exchange on an ongoing, real-time basis.

We began in 2002 as a transaction switching and electronic payment processing business, building and managing payment infrastructure, delivering innovative payments solutions and driving transactions across the African continent and other international markets. We provide secure, solutions and services that facilitate convenience and real value for consumers, businesses, governments and other organizations, helping to reduce costs, improve operational efficiency and drive sustainable revenue growth.

G7 Supports Women in Africa Initiative with $251m

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27/08/2019

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French President Emmanuel Macron and G7 leaders on Sunday approved a package totalling $251 million in support of the African Development Bank’s AFAWA initiative to support women entrepreneurs in Africa.
“I am particularly proud, as the current G7 president, that the programme we are supporting today, the AFAWA initiative, comes from an African organisation, the African Development Bank, which works with African guarantee funds and a network of African banks,” Macron stated at a press conference at the G7 Summit in Biarritz, France.
“African women are the backbone of the continent. I’m thrilled to bring their voice to the G7. AFAWA is essential for our continent,” said Beninese artist Angelique Kidjo, a guest at the press conference in her role as programme ambassador.
The Bank’s president Akinwumi Adesina applauded the “extraordinary support of all the G7 heads of state and government, which will provide incredible momentum” to the AFAWA programme.
“This is a great day for African women,” Adesina said. “Investing in women entrepreneurs in Africa is important, because women are not only Africa’s future, they are Africa’s present”.
“Currently, women operate over 40% of SMEs in Africa, but there is a financing gap of $42 billion between male and female entrepreneurs. This gap must be closed, and quickly,” he added.

Ford, Coscharis Announce 3 Years Warranty for 2017 Model

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27/08/2019

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Coscharis Motors, exclusive distributor of Ford vehicles in Nigeria, is pleased to announce an improvement in the warranty period of Ford vehicles*, 2017 model year and upwards, to 3 years or 100,000km for owners in Nigeria.

This new warranty is only applicable to 2017 models and upwards.

“This is another way Ford has responded to the yearnings of numerous Ford customers in Nigeria, some of whom are long distance travellers who cover more than 60,000km within the given 3 years warranty period. Warranty coverage on Ford vehicles in Nigeria used to be for a period of 3 years or 60,000km, whichever came first.” says Abiona Babarinde, General Manager, Marketing and Corporate Communications at Coscharis Motors.

9mobile Secures $230m from AFC for Expansion

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26/08/2019

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9mobile Nigeria has secured $230 million from the Africa Finance Corporation (AFC) to expand its network and compete effectively in the Nigerian market and others.

Confirming the transaction, the AFC said in a statement: “Africa Finance Corporation is pleased to inform Emerging Markets Telecommunication Services that it has received full Board approval to support the turnaround strategy of EMTS through a US$230 million super senior debt investment.”

Facebook Celebrates ‘Icons of Change in sub-Saharan Africa

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26/08/2019

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Facebook has celebrated 40 young leaders, developers, entrepreneurs and change makers from across Sub-Saharan Africa, to a two day event in Accra, Ghana, titled “Celebrating Icons of Change”. The event aims to celebrate Africa’s next generation of leaders and innovators, whilst providing opportunities to network, connect and create positive dialogue.
Kezia Anim-Addo, Facebook Comms Manager, Sub-Saharan Africa, commented: “I’m so proud that we’re bringing the first event of its kind for Facebook to the Continent and to Ghana. At Facebook, we see our role as supporting and investing in various communities here on the continent, in particular the youth. This event is about celebrating those people, the amazing talent, innovation and businesses we’re seeing emerge, and the young people who are accelerating this growth, and building an incredible future for the Continent. It’s a privilege for us to be able to bring together 40 icons of change, and we look forward to what the two days will hold.”
Attendees represent countries from the region, including Ghana, Madagascar, Burkina Faso, Kenya, Senegal, Nigeria, Ethiopia, Botswana, DRC, South Africa, Cameroon and Zambia

Banks’ Advert Spend Rose by N164m in July 2019

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21/08/2019

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P+ Measurement Services, a media intelligence and audit agency and MediaTrak, undertook the analysis to show, Nigerian Banking Industry Advertisement spend and placement in the month of July 2019.

The report shows that there was an increase of 163, 762, 442 in the total Nigerian Banking Industry media advert spend in July compared to the month of June.

TV media advert in the banking industry for July saw an increase in media spend, compared to June with an increased spend of N123, 541, 668, while Radio media adverts in July also saw an increase in media spend, compared to June with an increased spend of N17, 461, 682, and the Print media advert in the Banking industry for July saw an increase in media spend, compared to June with an increased spend of N22, 759, 092.

African Business Leaders Join Dubai ’s Global Business Forum (GBF) Mentorship Programme

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21/08/2019

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Business leaders from the UAE and Africa to mentor high-potential startups as they build their businesses and target new market opportunities; announcement comes ahead of the 5^th Global Business Forum on Africa, taking place on November 18^th-19^th 2019 in Dubai; first-of-its-kind mentorship programme aims to foster cross-border co-operation between UAE and African startup communities
Eight prominent business leaders have been selected to mentor high-potential startups from the UAE and Africa participating in Dubai Chamber of Commerce and Industry’s Global Business Forum (GBF) Mentorship Programme.
Four UAE-based mentors and four Africa-based mentors have joined the first-of-its-kind programme which aims to foster cross-border cooperation between the two startup communities and help participants expand their global presence.

The selected mentors offer a wealth of expertise in a wide range of fields, including, technology, education, retail, construction and finance.
Following the mentorship phase of the programme, the participating startups will have an opportunity to exhibit at the 5^th Global Business Forum on Africa in Dubai on November 18^th-19^th 2019 and boost their exposure within UAE and African markets and business communities.

NIA Chair, Tope Smart, Visits Stock Exchange

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21/08/2019

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L – R: Mr. Oscar N. Onyema, Chief Executive Officer, The Nigerian Stock Exchange (NSE) presenting a replica of the closing gong to Mr. Tope Smart, Chairman, NIA and Group Managing Director, NEM Insurance Plc during the Closing Gong Ceremony to introduce the newly appointed council members of the Association to the capital market stakeholders at the NSE yesterday.

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