FirstHoldCo Announces FirstBank Has Met ₦500 Billion Regulatory Capital Requirement - ITREALMS

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-Shareholders commit to future injection of more capital to the Groups’ other subsidiaries

First HoldCo Plc (“FirstHoldCo” or “the Group”) has announced that its commercial banking subsidiary, First Bank of Nigeria (FirstBank), has successfully met the Central Bank of Nigeria’s (CBN) minimum capital requirement of ₦500 billion. 

This milestone was achieved following the completion of a series of strategic capital initiatives, including a Rights Issue, a Private Placement, and the injection of proceeds from the divestment of the Group’s merchant banking subsidiary.

When loans become surveillance & Nigeria’s regulatory triangle by Remmy Nweke -WeekendDigits@ITREALMS

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Nigeria’s regulators, FCCPC, NCC, and NDPC, unite to curb data abuse by digital lending apps. WeekendDigits@ITREALMS with REMMY NWEKE explores how everyday loans turned into surveillance, and how the regulatory triangle fights back.

Preamble:
Madam Lizzy only wanted a quick loan.
The advert promised “instant approval, no paperwork.” Out of curiosity, she downloaded the app, requested ₦1 million, and within hours, the funds appeared. She repaid before the due date—relieved and impressed.

Then the calls began:
Every morning, a strange number flashed on her screen: “Madam, you are yet to pay your loan.” She explained repeatedly that the debt was settled, yet the messages multiplied short messaging service (SMS) reminders, WhatsApp texts, even phone calls from aggressive “customer agents” threatening to contact her friends and family.

Furnace of failure: iTel A50C overheating scandal and regulatory imperative - by Remmy Nweke, Telecoms Clinic@ITREALMS

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Telecoms Clinic@ITREALMS by REMMY NWEKE analyzes the itel A50C overheating crisis, revealing a profound public safety failure in an NCC Type-Approved device. The column exposes the failure of safety assurance and demands that the NCC immediately suspends the device's approval status due to the clear and present hazard.

The discovery of a dangerous thermal defect in the popular itel A50C (Model A669L) smartphone as a device that becomes "too hot to hold" immediately after activation, is far more than a simple product malfunction; it represents a profound, systemic failure of public safety assurance that challenges the very core foundation of Nigeria’s regulatory framework.

The recent investigative analysis available to Telecoms Clinic@ITREALMS elevates this incident beyond a consumer complaint to a full-blown crisis of regulatory integrity, demanding immediate and drastic intervention by the nation’s telecommunications authority.

Bokku Mart Ad fallout: Mirror to Nigeria’s digital prejudices and regulatory gaps by Remmy Nweke - Telecoms Clinic@ITREALMS

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The Bokku Mart ad controversy exposes deep-seated digital prejudices and weak advertising oversight in Nigeria. In this edition of Telecoms Clinic@ITREALMS, REMMY NWEKE examines the urgent need for ethical regulation, cultural sensitivity, and responsible influencer marketing practices.

Preamble:

The controversy surrounding the recently deleted Bokku Mart online advertisement has once again exposed Nigeria’s uneasy intersection between digital influence, ethnic sensitivity, and weak advertising oversight. What began as a routine promotional video by a supermarket chain has spiraled into a national debate about prejudice, brand accountability, and the dangers of unregulated influencer marketing in the digital age.

NCC, NCA Ghana collaborate on regulatory best practices - ITREALMS

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The leadership of the Nigerian Communications Commission (NCC) recently embarked on a benchmarking visit to the Ghana's National Communications Authority (NCA) to explore best practices and strengthen regulatory frameworks, reports ITREALMS.

The NCC is Nigeria's regulatory body for the telecommunications industry, responsible for ensuring compliance with regulations, promoting competition, and protecting consumer interests.

PwC Nigeria admits three new partners - ITREALMS

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The PwC Nigeria has admitted three new partners effective, 1 July 2024, including Marilyn Obaisa-Osula (Consulting & Risk Services), Taiwo Oyaniran (Assurance), and Tim Siloma (Tax & Regulatory Services), reports ITREALMS.

With this, PwC Africa's admission of 15 new partners, ITREALMS gathered showed that 40 per cent are female, thereby the company is marking a significant step towards achieving the firm's gender representation goals in leadership.

Oyo State gets Electricity Regulatory Commission Act - ITREALMS

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Oyo State governor, ‘Seyi Makinde, on Friday, signed into law the Oyo State Electricity Regulatory Commission Bill 2024.

The governor, who performed the signing ceremony at the Conference Room of the Governor’s Office, Secretariat, Agodi, Ibadan, said the signing was to give the state opportunity to develop its own roadmap to sustainable electricity.

NCC Restores Regulatory Services to Globacom - ITREALMS

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The Nigerian Communication Commission (NCC) has restored regulatory services to one of its licensees, Globacom Limited after it successfully cleared its outstanding debt obligations to the Commission for unpaid Spectrum Fees, Numbering Fees and Annual Operating Levy (AOL), reports ITREALMS.

Director, Public Affairs, NCC, Mr. Reuben Muoka confirmed to ITREALMS that NCC has also stepped down planned enforcement action against Globacom over its breach of extant regulations by failing to pay its debts despite several demand notices.

FG applauds NCC’s regulatory strides - ITREALMS

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The Federal Government has commended the leadership of the Nigerian Communications Commission for the remarkable strides of the agency that has earned spectacular international reputation for Nigeria and placed the telecom regulator in the forefront of the nation’s quest for forward looking national economic growth.

Permanent Secretary, Ministry of Communications and Digital Economy, Dr. William Alo, said this recently while receiving the management team of NCC, led by the Executive Vice Chairman of the Commission, Prof. Umar Garba Danbatta, who briefed him on the status of the industry after his recent appointment to the Ministry. 

British Council, EU-ACT train 40 CSOs, lament low compliance with regulatory framework - ITREALMS

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The European Union and the British Council have trained about 40 Civil Society Organisations (CSOs) in Rivers State on compliance requirements on regulatory frameworks to make them more efficient in monitoring ills in society.

Lead Facilitator of the training, Prof Adedeji Adekunle, said the training would make CSOs good corporate citizens, better equipped to comply with the law, thereby positioning them to challenge wrongs in the society.

National Roaming: NCC issues regulatory framework, says duration ‘must not exceed 3 years' - ITREALMS

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The Nigerian Communications Commission (NCC) has issued regulatory guidelines on national roaming services, reports ITREALMS.

NCC also stated in the guidelines available to 
ITREALMS that only certified roaming providers would have their request attended to under the National Roaming Agreement (NRA), for a duration of 3 years.

WRC’19 adopts new regulatory procedures for radio communication - ITREALMS

ITREALMS:

The 38th ITU World Radiocommunication Conference (WRC-19) ended in Geneva with adoption of a new innovative milestone-based regulatory approach for the deployment of non-geostationary satellite orbit (NGSO) satellites in specific bands and services for radio communication, reports ITREALMS.

The agreement, ITREALMS gathered was reached at WRC-19 thereby establishing regulatory procedures for the deployment of non-geostationary satellites, including mega-constellations in low-Earth orbit (LEO). 

ITREALMS reports that the milestone-based approach will provide a regulatory mechanism to help ensure that ITU’s Master International Frequency Register reasonably reflects the actual deployment of such NGSO satellite systems in certain frequency bands and services.

In defining more flexible timelines and objective criteria, this approach also seeks to strike a balance between the prevention of spectrum warehousing, the proper functioning of coordination mechanisms, and the operational requirements related to the deployment of NGSO systems.

While satellites in geostationary orbit are aligned with the earth’s rotation at an elevation of 36,000 km, NGSO satellites move across the sky during their orbit around the earth, in medium Earth-orbit 8,000 – 20,000 km above the earth and in low-Earth orbit at elevations between 400 and 2000 km.

With the availability of launch vehicles capable of supporting multiple satellite launches, mega-constellations consisting of hundreds or thousands of spacecraft are becoming a popular solution for global telecommunications, including to remote rural areas and isolated communities, providing low-latency broadband coverage (owing to their proximity to the earth’s surface), remote sensing, space and upper atmosphere research, meteorology, astronomy, technology demonstration and education.

Nenye Dom/Editor

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Weak Commission: Dearth of NGO Regulatory bill

Commentary@ITRealms: 

I read it twice and did a third to study only the portions that are of interest to my initial interest. My initial interest arose from concerns that the operation and interests of a Professional Association to which  I belong and which we have ordinarily regarded as an NGO, might be adversely affected if the draft Bill becomes Law.

Part A

For the purpose of that my initial interest, the most interesting section to me is PART VII - MISCELLANEOUS PROVISIONS, paragraph 57 where the definition of a NON-GOVERNMENTAL ORGANISATION, for the purpose of the Bill, is provided.

Arising therefrom, my conclusion is that our Association, for the purpose of that draft Bill, is NOT an NGO.

For me, what is not STATED in Legislation is not INTENDED in Law, and I say that with no pretense to any expertise in Jurisprudence. It is common knowledge that this position has been canvassed and accepted in Court.

In SPIRIT and in WORDS of the draft Bill, the Association is not a candidate for registration by the intended Non-governmental Organisations Regulatory Commission.

(Using the same argument, I hold the opinion that churches and mosques, village-, community-, or professional Associations, do not come under the purview of the intended Non-governmental Organisations Regulatory Commission.

For purposes of argument, I will normally expect to see some key words which associate very closely to objective of associations that are intended to be regulated. For churches and mosques the word ‘spiritual’ is critical. For the professions, the word is ‘professional’. For community associations the word is ‘cultural’. All these are missing in the draft bill and they are, to that extent, and in my opinion, not included in the catchment group that the bill aims at.

Ordinarily, one should just stop here since the issue of interest is whether or not the Association's operations and interests are under any threat if the draft Bill becomes Law.

I suggest the Association seeks legal advice on the matter IF the subject poses sufficient concern.

For me, it does not.

Part B

Having said that, concern about the draft bill is currently trending and having read it,

 I should have an opinion.

I therefore express the following views on the draft NGO Bill.

INTRO

I am old enough to be familiar with bandwagon effect of opinions that are traded by some privileged persons who take advantage of massive illiteracy and inability of a large number of our citizens to read documents by themselves and thereby use sentiments of religion, tribe and class to sell dummies to the masses. In many cases, people criticize books that they have not read, condemn opinions that they have not heard and participate in protests that have no foundation

NOW THE DRAFT BILL

1. WEAK COMMISSION

The composition of membership of the Board of the Commission makes it civil servants heavy. Eight of the nineteen members are representing various Federal Ministries. Although no specific skills or expertise are required of these representatives of the Federal Ministries nor of any of the other members, indeed a tenure of four years is attached to their stay on the Board renewable for another four and no more. All of them aside the executive Secretary are part-time. This makes it a Board that will be ineffective. Such ineffective Boards are usually used by Governments for ulterior purposes. Impliedly, this Commission has a high prospect of being used by Government to destroy any NGO of their choice even for no good reasons.

Of course safeguards are provided against abuse but all based on a weak foundation.

2. MISCHIEF

A law scholar and Professor is known to have taken 5.5 minutes of a video clip, shared over social media recently to denounce and campaign against the draft Bill. I received 11 copies within 24 hours from various sources and contacts all preaching nothing but emotions. The Prof preaches vehemently to emotions such as religion, community interests, and humanitarianism to condemn the objective and modus operandi of the intended Commission and asks that Nigerians rise to oppose it. He says "it is totalitarian" and the "most dangerous piece of legislation to have come to the National Assembly since 1999".

These are mere exaggerations.

I have the experience of participation in canvassing argument against some intended legislation for use in my industry and after our technical presentation to the legislators, they bowed to our opinion. Some of such bills never went far. I expect the professor to do better than drawing ignorant masses to a battle they know nothing about.

Going by my own understanding, the bill does not regard churches, mosques or community associations as NGOs for its purpose contrary to what the professor preaches. The professor's method is, therefore, at best, unfair. He is merely taking advantage of Nigerians' gullibility especially knowing that many Nigerians cannot read and those who can read do not read. He sounds like merely playing TRANSFERED AGGRESSION in the sense that he may have other issues or motives that make him a self-made opposition to governance of the day.

3. UNDUE GRAGRA

A Senator of the Federal Republic has also issued a PRESS RELEASE condemning the object and spirit of the draft Bill while vowing to ’kill’ it when it comes to the Senate for concurrence.

This is mere theatre as he may as well use his position to stop the bill within the Senate process without playing to the gallery.

When did it become normal that a legislator who wants to ‘kill’ a bill first makes public his desire to do so through a press release! For God's sake go ahead to 'kill' and stop boasting.

4. AN ALBATROSS

The draft Bill is a certain albatross for NGOs that are appendages of foreign interests or donors whose mission might not have been salutary to Nigeria's all along. To the extent that several of the existing NGOs are in this class, nobody should expect the draft Bill to go without facing a bitter fight from that sector.

5. RIDICULOUS

it is reported that one NGO in particular has pushed it's objection to the draft Bill to the level of United Nations asking that the Nigerian legislature be stopped from passing the motion sought by the draft Bill into law.  That is ridiculous.

It shows the extent of desperation of several NGOs who are bound to feel threatened by the proposed law.

6. ACCOUNTABILITY, NATIONAL INTEREST

I see the objective of the bill as salutary to the extent that it is asking that NGOs be accountable and to forestall Nigeria being vulnerable to ulterior machination of external forces that can destabilise our country through the use of poor but pampered NGOs.

7. NOT YET A GOOD DRAFT

While I sympathise with the objective of the proposed legislation I am unable to agree that the draft Bill has prepared genuine ground for meeting such laudable objective in concrete terms.

8. COULD BE BETTER

A legislation that means well but poorly drafted should only be reworked and improved through the genuine process of wider consultation and public participation in law making. That I believe, our legislative process allows for.

*From the Observatory of Titi Omo-Ettu,  Uyo, Nigeria

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MTN group names Sekha, ED regulatory affairs

ITRealms:

The South Africa-based mobile telecommunications operator, MTN Group, has appointed Felleng Sekha as its new regulatory affairs chief, reports ITRealms.

This is coming as the fine recently by the Nigerian Communications Commission (NCC) reportedly affected MTN to the extent the group witnessed its first-ever half-yearly loss.

MTN spokesman, Mr. Chris Maroleng in a public statement available to ITRealms, said the MTN has appointed Felleng Sekha, a South African, as its new executive for regulatory affairs and public policy effective from October 10.

ITRealms also reports that Sekha has extensive regulatory experience and previously worked at MTN in various roles, including having a five-year stint in Nigeria as executive director for corporate services, prior to the complaints that led to the $1bn fine.

"Felleng will... shape public policy and regulatory outcomes which are key to MTN achieving its business objectives," Maroleng said. 

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Digital Economy: Spontaneous deregulation tests regulatory gaps

Opinion@ITRealms:

Just recently, I facilitated a seminar for the Lagos Judiciary at the Lagos Business School with theme Digital Economy and Legal Regulation. The aim of the programme was to share insights on the emerging digital economy with their Lordships, and draw attention to the imperative for regulatory evolution in the face of the pervasiveness of online platforms of the kind operated by technology giants such as Facebook, Google, Uber and Airbnb. There is hardly an area of economic and social interaction these days that is left untouched by these platforms in some way.

The Regulatory Gaps

To fill the regulatory gaps in the digital economy, these behemoths have resorted to what could be referred to as spontaneous deregulation. I first encountered this term in an article by Benjamin Edelman and Damien Geradin, and has arisen as a result of digital disrupters ignoring laws and regulations that appear to preclude their business model, which is typically based on providing platforms for crowd sourcing and giving rise to the sharing economy. Believing in the efficacy of their utility model and its appeal to a pent up global demand, these disrupters seem to see many rules and regulations as belonging to the past and impractical for today’s innovative clime. They therefore simply ignore them, opting for their own version of self-regulation, usually based on a mutual rating system between service providers and consumers. It is this skirting of existing regulation that is referred to as spontaneous private deregulation.

These disrupters make the rules for themselves as they go along, because in fairness to them, as their platforms reshape markets, the scope of activity subject to regulation tends to decrease, and various forms of protection disappear. These companies operate in interstitial areas of the law because they present new and fundamentally different issues that were not foreseen when the governing statutes and regulations were enacted.

Two major areas in which these digital czars have riled the establishment are in transportation and hospitality; the major ‘culprits’ being UBER and Airbnb. UBER, until recently a relatively unknown company out of Silicon Valley in California employs 160,000 drivers today, and is adding an average of 20,000 drivers every month. This transport services disrupter is now valued at $41b, and operates in many major cities across the globe. Airbnb, a previously obscure company with similar roots and reach, has over 1.5m accommodation on her platform, and is now valued at $25b.

The need for ‘platform fairness’

Axelle Lemaire, French secretary of state in charge of all things digital, insists that France is open to platform operators, but consumers have to be protected. She is sponsoring a law to be passed by the French Parliament which will create the principle of ‘platform fairness’. 

Karnataka state in India, where Uber piloted its India service two years ago has directed taxi aggregators such as Uber to stop operations in the state until they secure a licence from the government, triggering sharp reactions from the corporate world. Getting a licence would mean no more surge pricing, complying with the maximum fares fixed by the government periodically and registering with local transport authorities. The question is why has it taken the Karnataka government such a long time to wake up to regulatory gaps in her transport sector? And how many other cities are in this quagmire?

The U.S Supreme Court recently ended a decade-long battle over Google’s massive book-scanning project, declining to take up an appeal by authors who claimed the company violated copyright law ‘’on an epic scale’’. The justices denied certiorari in Authors Guild v. Google, 15-849, leaving in place a ruling last year by the U.S. Court of Appeals for the Second Circuit that said Google’s project was permissible. The appeals court decision invoked the ‘’fair use’’ doctrine, which permits some ‘’socially beneficial’’ use of published works such as news reporting or research, that would otherwise constitute copyright infringement.

Airbnb has had its fair share of issues with one of her largest markets, New York.  A major concern is the legal regime within which Airbnb operates; one that is marked by poorly drafted laws that fail to account for challenges presented by the sharing economy. As explained by Airbnb cofounder Brian Chesky, “There were laws created for businesses, and there were laws for people. What the sharing economy did was create a third category: people as businesses,” to which the application of existing laws is often unclear. These new business models raise complex questions that have not yet been addressed by either legislatures or courts.

Because the threat of enforcement actions can have a chilling effect on start-ups and their users, state and local government officials should consider how their actions may affect burgeoning businesses. Officials should encourage the sharing economy’s growth through collaborative efforts rather than seek to protect incumbent businesses.

Regulation seems too slow in catching up

The slow pace of regulation evolution seems to strongly suggest that the legal profession itself is ripe for a technology revolution that will optimise the largely manual and laborious process of enacting laws and regulation in the face of the aggressive pace of digital innovation.

I recall the indignation of their Lordships when I cautioned that the learned profession could be more vulnerable than they think when it comes to disruption, and that emerging technologies like cognitive computing and other forms of machine learning can help narrow the gap between regulation and innovation.

Much as it may sound improbable, given its intrinsic consultative nature, I was not surprised when I came across an article on the World Economic Forum’s collaborative platform, announcing that a Law firm Baker & Hostetler has done just that!

Green shoots of technology in Law and Regulation

According to the article, Baker & Hostetler has announced that they are employing IBM’s AI Ross to handle their bankruptcy practice, which at the moment consists of nearly 50 lawyers. Ross, “the world’s first artificially intelligent attorney” built on IBM’s cognitive computer Watson, was designed to read and understand language, postulate hypotheses when asked questions, research, and then generate responses (along with references and citations) to back up its conclusions. 

Ross also learns from experience, gaining speed and knowledge the more you interact with it. “You ask your questions in plain English, as you would a colleague, and ROSS then reads through the entire body of law and returns a cited answer and topical readings from legislation, case law and secondary sources to get you up-to-speed quickly,” the website says. “In addition, ROSS monitors the law around the clock to notify you of new court decisions that can affect your case.”

Ross also minimizes the time it takes by narrowing down results from a thousand to only the most highly relevant answers, and presents the answers in a more casual, understandable language. It also keeps up-to-date with developments in the legal system, specifically those that may affect your cases. According to CEO and co-founder Andrew Arruda, other firms have also signed licenses with Ross, and they will also be making announcements shortly.

This disruption, happening to the most unlikely profession, with a highly codified ethic is a clear manifestation that no industry is immune from disruption in the impending fourth industrial revolution. Any industry that does not figure out how to be a part of it might as well write their obituaries. My takeaway expressed to their Lordships after the seminar was that the digital revolution is like a train whose drivers are the entrepreneur disrupters. 

The passengers are the global customers with a pent up demand for the value and convenience that they provide. Naysayers to this phenomenon can stand in front of the train and be crushed, stay on the platform and be left behind, or come on board for a ride into progressive partnership.

Regulators still have much to learn about how to deal with platforms. They have no choice than to get more involved and get the needed expertise. But will they? The jury is still out.

*Contributed by Austin Okere is the Founder of CWG Plc, the largest Systems Integration Company in Sub-Saharan Africa & Entrepreneur in Residence at CBS, New York. Austin also and serves on the World Economic Forum Business Council on Innovation and Intrapreneurship.

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Pix: Okere with Justice Opeyemi Oke, representative of Chief Judge, Lagos State at the event.

Etisalat sponsors eye surgeries in Bauchi, Gombe

ITRealms:

 

The Nigeria’s most innovative telecommunications operator, Etisalat in collaboration with Charity for Cheer Foundation and the Bauchi State Government, has sponsored eye surgeries on residents of the state, reports ITRealms.

A CSR-based intervention initiative designed to support the company’s host communities as well as vulnerable Nigerians, held at the Bayara Specialist Hospital, Dass Local Government area of Bauchi State with 50 patients suffering from cataract infections were successfully operated upon during the exercise that lasted three days

Speaking at the flag-off of the initiative, ITRealms gathered, the Vice President, Regulatory and Corporate Affairs, Etisalat Nigeria, Ibrahim Dikko, who was represented by the company’s Head, Government and Community Relations, Mohammed Suleh-Yusuf, said the initiative reflects the company’s dedication to delivering on sustainable community support programmes that complement the efforts of partner governments to the utmost benefit of the people.

  

“Etisalat is committed to delivering sustainable community support programmes. We are truly passionate about helping our host communities because we believe that corporate organisations should make positive impacts on the host communities in which they operate. The Free Eye Surgeries Camp is a rewarding experience that helps visually impaired and vulnerable persons recover their full sight to enable them remain productive members of their immediate communities,” he said.

Also speaking  on the initiative which held simultaneously in Gombe State where 50 patients also benefitted, the chairperson of Charity for Cheer Foundation, a non-Governmental Organisation which coordinates the exercise, Mariam Shehu Mohammed, expressed delight that the Foundation was partnering to make life worth living for the vulnerable in line with its vision of impacting the lives of the people around who may not have someone to help them,  learnt ITRealms

In his own remarks, Deputy Director, Planning, Ministry of Health, Bauchi
State, Jibrin Mohammed Barnomu, commended Etisalat for the demonstration of commitment to partner with the State Government on delivering vital health benefits to the people of the state.

“We are really pleased to have them come around to complement the efforts of the state government in the area of healthcare delivery,” he said.

Meanwhile, some of the beneficiaries have commended Etisalat Nigeria for the intervention, describing it as heart-lifting.

One of the beneficiaries, Ladi Haruna, said, “I am really grateful to the organisers of this programme. I can see very well now unlike before when I could not see farther. I hardly could cross roads without help especially in the night.”

Cyriacus Nnaji/GEE

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Etisalat lauds partnership with Kano State

ITRealms:

The Vice President, Regulatory and Corporate Affairs, Etisalat Nigeria, Ibrahim Dikko, has lauded the partnership between the company and Kano State in critical areas like education, ITRealms reports.

Etisalat, Nigeria’s youth-centric and most innovative telecommunications company, recently donated 30 pieces of desk top computers to the Information and Communication Technology (ICT) centre of Girls’ Government College, Dala, Kano State. The project was part of its Adopt-A-School programme aimed at ensuring quality education through the creation of conducive learning environment for primary and secondary school students.

Dikko, who was represented by the company’s Head, Government and Community Relations, Mohammed Suley-Yusuf, also emphasized the company’s commitment to partnering with the Kano State government in achieving its developmental goals, ITRealms gathered.

“The whole aim is to drive the delivery of quality education. What we have done is to create an enabling environment for conducive learning which in turn drives improvement in learning. As an innovative company, we are about driving sustainable development using education as one of the key platforms, “he added.

“Etisalat is proud to be able to contribute positively to achieving the government’s objective of improving Kano State especially in the area of Education. We will continue to collaborate to move the state and indeed the nation forward, even as we work towards being the telecommunications partner of choice for Nigeria. We laud Kano State government, for recognising the potential of and encouraging public private partnership, “he said.

According to  Thisday, Kano State deputy Governor, Prof. Hafiz Abubakar thanked Etisalat for providing quality telecoms services with strategic contributions to the development of the society through laudable initiatives like the Adopt-A-School programme.

Cyriacus Nnaji/ED,OPs/GEE

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Pix: Ibrahim Dikko,