Evans Okeke jr
229 posts

Evans Okeke jr
@dr_evansque
Calm, easy going and an optimist. #GGMU🔴⚪
Katılım Haziran 2020
333 Takip Edilen356 Takipçiler

@FPL_Dynamo @ross7britton @instagram @InzoFernandez8 @ChelseaFC @premierleague @SkySportsPL I wouldn't go for such player if I were madrid
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@ross7britton @instagram @InzoFernandez8 @ChelseaFC @premierleague @SkySportsPL Agree with you mate, he’s gonna be off in the summer probably Madrid 🤷
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🚨⚠️ BREAKING: #CFC Enzo Fernandez has released a statement regarding his 2 game ban calling out Liam Rosenior! 😳
Via ( @instagram )

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@White_China_304 Wasting time you'd have used to get to FmSH🤦
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Me: you get BP?
Patient: No oo
Me: Them don ever tell you say your BP dey high sometimes?
Patient: Yes
Me: Wetin you dey take if e high?
Patient: Amloxxxpine, Xxxxxsartan
Me: But you no get BP?
E be things
#MTOC_tales
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150 - DAYS OF PURPOSE, PROGRESS, AND PROVEN COMMITMENT
Good day distinguished NARDITEs.
With profound humility, deep gratitude, and an unwavering sense of responsibility, I present to you a concise account of our collective strides over the past 5 months (150 days) in office.
On the 25th of September 2026, at the historic AGM in Katsina, the “Katsinan Dikko Team” was entrusted with the stewardship of the 2025/2026 NARD Secretariat. That moment was more than an electoral victory, it was a solemn mandate. Nineteen critical demands; a 30-day ultimatum; a resolute call to action that ultimately birthed TICS 1.0.
Today, we reflect with both sobriety and optimism—sobriety because of the realities confronting doctors nationwide, and optimism because together, we have transformed agitation into measurable achievement.
Through intense negotiations, policy engagements, and institutional resistance, your solidarity strengthened our resolve. Your unity amplified our voice. And because you stood firm, we have recorded tangible milestones on the very demands that defined our mandate.
🗣️PROGRESS ON THE 19 DEMANDS (TICS 1.0)
1. FTH Lokoja 5+2:
After sustained engagement and firm advocacy, the affected doctors have been fully reinstated into the services of FTH Lokoja, with some already issued their resumption letters.
2. 2024 Accoutrement Allowance & 25%/35% CONMESS Arrears: Payments have been effected nationwide, with only a few omitted cases currently being resolved in collaboration with IPPIS to ensure full payment of all outstanding in the next few weeks.
3. Corrected Professional Allowances (PAT): The table was released, and full implementation has commenced with the February salary. Efforts are ongoing to secure the 18-month arrears within the 2026 budget framework, with strong advocacy for immediate disbursement upon approval.
4. Unpaid Promotion/Salary Arrears: Comprehensive lists have been compiled and transmitted by the FMoH & SW to the relevant financial authorities. We are currently awaiting a structured payment plan from the Honourable Minister of Finance.
5. House Officers exclusion from Civil Service Scheme: Although classified as an establishment matter requiring National Council on Health review, we secured firm agreement that House Officers will enjoy full benefits under CONMESS. We continue to pursue resolution of salary delays, arrears, and pay advisory issuance.
6. Excessive Work Hours regulation & Casualisation of doctors: A Taskforce Committee duly represented by NARD has been inaugurated to develop enforceable national guidelines addressing these longstanding concerns.
7. Re-categorization of West African College Certificates & non issuance of certificates post part I by NPMCN: A Special Committee has been constituted with NARD representation to deliver sustainable solutions to certification and recognition challenges.
8. Entry-Level Downgrading/skipping, bottle neck in upgrade, & re-introduction of Specialist Allowance: These issues have been squarely addressed, restoring fairness and professional dignity in career progression.
9. Collective Bargaining Agreement (CBA): Negotiations are set to resume within the next two weeks, and we remain committed to securing a favourable conclusion.




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If you’re not tracking dividend season, what exactly are you tracking?
Here’s your calendar before you say “nobody told me”
Dangote Cement – March
Aradel Holdings – March
Okomu Oil Palm – March/April
Presco Plc – April/May
Zenith Bank – March
GTCO – March
UBA - April
Wema Bank – April
Stanbic IBTC – April
AIICO Insurance – May
MTN Nigeria – May
Some people wait for salary.
Others wait for board approvals.
You can cry about Nigeria…
Or you can win with Nigeria.
Which side are you on?
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@TrackYourHeart Does ceftazidime have the same effect as ceftriaxone?
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FIDELITY BANK — QUIET EXECUTION, CONSISTENT RESULTS
Company profile-
Fidelity Bank Plc is a mid-tier Nigerian commercial bank with operations spanning Retail Banking, Corporate Banking, and SME-focused financial services. Over the years, Fidelity has built a reputation for disciplined execution, steady growth, and conservative risk management.
Its retail banking covers deposits, loans, digital payments and consumer finance. Corporate and commercial banking focus on structured lending, trade finance, and financing for medium-sized businesses.
WHY FIDELITY BANK IS ATTRACTIVE
• Strong deposit growth, especially low-cost retail deposits
• Consistent revenue and PAT growth year-on-year
• Healthy liquidity and improving capital position
• Proven dividend-paying history
• Conservative lending culture reduces downside risk
KEY OPERATIONS AND STRATEGIC POSITIONING
Fidelity’s strategy emphasizes sustainable profitability rather than aggressive expansion. The bank prioritizes asset quality, deposit mobilisation, and selective growth in sectors it understands well.
This results in:
. More predictable earnings
. Lower volatility compared to peers that chase high-risk growth
BUSINESS MODEL (how Fidelity Bank makes money)
Fidelity earns from:
• Interest income on loans to retail, SMEs and corporates
• Fees & commissions from banking transactions
• Trade finance and treasury operations
• Digital banking services
The bank balances growth with caution — a key reason for its consistency.
FINANCIALS — what stands out (recent years & trend)
• Strong YoY growth in gross earnings
• PAT has improved steadily across recent reporting periods
• Deposit base continues to expand
• Liquidity ratios remain solid
• Assets exceed liabilities comfortably
• Dividends paid consistently as earnings grow
Fidelity’s numbers may not be flashy, but they are reliable.
WHAT’S EYE-CATCHING?
• Stability across multiple economic cycles
• Consistent dividend payments
• Improving asset quality
• Steady expansion without excessive leverage
RISKS
• Mid-tier scale limits absolute earnings power
• Competitive pressure from tier-1 banks
• Slower growth compared to aggressive peers
• Exposure to Nigerian macro conditions
WHY THESE RISKS MAY NOT BE DEAL-BREAKERS
• Conservative balance sheet protects downside
• Strong deposit base improves resilience
• Management’s focus on quality over hype
• Proven ability to remain profitable in tough periods
FINALLY, MY TAKE
Fidelity Bank is a confident long-term hold.
It sits in my portfolio primarily for:
• Stability
• Dividend income
• Consistent execution
• Lower risk relative to aggressive banks
It may not deliver explosive upside, but it offers peace of mind and steady returns in my opinion, which is exactly why I hold it.



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Tomorrow being Sunday I'll use it to research some companies publicly listed on NGX and post my understanding of them
Which companies would you guys like for me to post my analysis//breakdown of ?
Let me know in the Comments 👇🏾
NB : I've posted for ;
EllahLakes PLC
UBA
ZENITH BANK
ACCESS BANK
GTCO
ARADEL
OANDO
ARADEL
DANGOTE CEMENT
UCAP
You can check all my posts on these companies in my "HIGHLIGHTS"
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I never knew until today what David meant in Psalm 23 when he said, “Yea, though I walk through the valley of the shadow of death, I will fear no evil.” Nowhere does it say he stopped to wonder why he was in the valley. It simply says he walked through. Let me tell you this: now is not the time to figure out why you’re going through the valley. Just trust God and keep walking. No matter what circumstances you face, keep believing God is working on your behalf. There’s something waiting at the end of the valley.
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