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betfred promo code Clement Nwoji The partnership between the Central Bank of Nigeria (CBN) and Deposit Money Banks (DMBs), under the umbrella of the Bankers’ Committee, could not have been more effective than now when all the key drivers of the economy are being called upon to step up their games towards economic recovery. Since the inception of the present administration, precisely on 29th May, 2023, there is no doubt that the administration is confronted with the herculean task of economic recovery, having inherited a battered economy from the immediate past administration. In this much needed efforts towards salvaging the economy, the CBN has an indispensable role to play, taking into consideration that no nation thrives well, economically, without sound and focused monetary policies. Though a regulator, the CBN recognizes that it cannot do it alone, and this underscores the collaborative approach which, currently, defines its relationship with the Deposit Money Banks (DMBs).This is in recognition that the Deposit Money Banks, in Nigeria, are at the center of implementing the policies of the CBN across all touch points. Consequently, they bring the ‘cascade effect’ to bear on all policies of the CBN, particularly, in ensuring that the banking publics understand and appreciate the various monetary policy measures being introduced to turnaround the economic fortunes of Nigeria. In the early stage of this administration, the banks played a major role in the implementation of the continued use of both the redesigned and old naira notes. This was sequel to the Supreme Court ruling of November 29, 2023, which extended, indefinitely, the continuing use of the old naira denominations: N200, N500, and N1, 000 banknotes. The banks’ roles in making these notes available, significantly, moderated the pressures associated with the naira redesign policy.Given the preeminent role of banks in cash management, the CBN, on November 13, 2024 issued a circular on, “Mystery shopping and spot-checks on cash disbursement activities of DMBs.” The circular signed by the Ag. Director, Currency Operations Department, Solaja Mohammed Olayemi, is intended to achieve two objectives: One, “monitor and prevent practices that facilitate flow of mint notes to ‘hawkers’ of Naira cash, thereby discouraging abuse of Naira and two, to “ensure that DMBs support efficient and responsible cash disbursement to the public”.The Commercial, Merchant, and Non-Interest Banks (CMNIBs) are also at the forefront of driving financial inclusion through multiple deployment of Automatic Teller Machines (ATMs) at strategic locations including hotels, malls, hospitals, Companies’ premises, among others. This is further reinforced by the introduction of agent banking services, complemented by Point of Sale (POS) devices, in far remote areas difficult to locate traditional bank branches.Before the entry of Fintechs into the payment market, it was the commercial banks that drove the financial inclusion in the undeserved locations through Agency banking. Not a few banks are still showing strong presence in this segment of the market.It is to be noted that most Fintech companies are like ‘supper agents’ for commercial banks where they also operate accounts that are driving their payment businesses. Agent banking, apart from being cost effective, reduces pressure at the banks’ branches, simplifies banking processes, and makes banking services easily accessible. It also worthy to note that the Bankers’ Committee was a major sponsor of the 2nd International Financial Inclusion Conference held on 12-13 November 2024 at the Landmark Event Centre, Lagos. The theme of the conference was, “Inclusive Growth: Harnessing Financial Inclusion for Economic Development.” At the conference, the CBN Governor, Olayemi Cardoso, was said to have stated that among other considerations, deepening financial inclusion was one of the reasons that informed the introduction of new minimum capital thresholds for banks. This, according to the apex bank governor, is to, “ensure that banks are in a position to take on greater risks in the undeserved markets and provide more loans and financial products to MSMEs, rural communities, and other vulnerable segments The Deposit Money Banks are apparently working in sync with the apex bank in its drive to mop up excess liquidity in circulation, control inflation and redirect lending into productive investments and activities.” By this, the banks support the boosting of economic activities while at the same time targeting taming the inflationary trend currently at 33.88 per cent for the month of October, 2024. The banks are upbeat in implementation of CBN Monetary Policy Committee (MPC) decisions to see to the realisation of the target objectives. For instance, on Tuesday, November 26, 2024, the Central Bank of Nigeria Monetary Policy Rate (MPR – Interest rate at which CBN lends to Banks) to 27.50 per cent with an increase of 25 basis points from the previous rate of 27.25 per cent. It also retained Cash Reserve Ratio (CRR – mandatory amount of bank’s cash kept with the with the CBN) for deposit money banks at 50 per cent and for merchant banks at 16 per cent just as it retained the Liquidity Ratio (LR – Bank’s deposit liability that must be kept in liquid assets) at 30 per cent. Mindful of the financial and economic implications being targeted by the monetary policy decisions, the DMBs are ever conscious of complying with these CBN decisions on MPR, CRR and LR to achieve financial system stability and economic recovery. Through compliance with these CBN financial instruments: MPR, CRR and LR, the DMBs assist in controlling inflation, controlling quantity of money in circulation, maintaining financial stability, and influencing the economy positively.The important roles of the DMBs’ was recently acknowledged and commended at November, 2024 Monetary Policy Committee (MPC) meeting. In a communiqué endorsed and released by Cardoso, at the end of the meeting, he stated that: “Members noted with satisfaction the continued resilience and stability of the banking system despite significant exogenous and endogenous headwinds”.”Key financial soundness indicators such as -the Capital Adequacy Ratio (CAR), Non-Performing Loan ratio (NPL), Liquidity Ratio (LR), amongst others, remain strong.” In the management of the nation’s foreign exchange and foreign exchange transactions, it is mandatory for banks to promptly report to the CBN once such transaction is concretized for the apex bank’s knowledge and for further monitoring, should the need arise. The directive to this effect is as contained in a “Revised guidelines for the Nigeria Foreign Exchange Market (NFEM)” signed by the Director, Financial Markets Department of CBN, Dr. Omolara Omotunde Duke, released on November 29, 2024. Among other things, it specifically directs that, “All foreign exchange transactions completed by Authorised Dealers must be recorded on a processing system and reported to CBN within 10 minutes of the transaction. This includes all transactions completed with system participants on the Electronic Foreign Exchange Matching System (EFEMS), trades concluded with market counterparties on telephone and/or chat-based platforms, and customer transactions concluded through other acceptable channels. The details of all foreign exchange transactions concluded by Commercial, Merchant, and Non-Interest-Bearing Banks are required to be reported on a real time basis to CBN via APIs to the FXBRS system for effective monitoring of market activities.” Another area of collaboration is the recent November 5, 2024 “Guidelines on Implementation of the Foreign Currency Disclosure, Deposit, Repatriation and Investment Scheme to Commercial, Merchant and Non-Interest Banks (CMNIBs).” The guidelines reinforced an earlier Foreign Currency Disclosure, Deposit, Repatriation, and Investment Scheme Guidelines, 2024 (the “Scheme”), issued by the Minister of Finance and Coordinating Minister of the Economy, Wale Edun, on April 8, 2024. It is an upshot of Scheme introduced through Presidential Executive Order No. 15 (Modification Notice), targeted at motivating voluntary disclosure, deposit, and repatriation of foreign currencies held by Nigerians, whether within or outside the country. CBN guidelines clarifies regulatory expectations from Commercial, Merchant, and Non-Interest Banks (CMNIBs) on their participation in the Foreign Currency Disclosure, Deposit, Repatriation, and Investment Scheme, 2024, thereby enabling banks’ play active roles in managing foreign currencies by acting as participating financial institutions, responsible for processing applications, maintaining designated accounts, and ensuring compliance with the scheme’s guidelines.The banks are, equally, spearheading the control of inflation and mopping up of excess liquidity. For instance, investigations revealed that the prevailing restrictions on amount of cash to be withdrawn either from any bank branches or from ATMs are part of measures to reducing/mopping up excess cash in circulation and encouraging cashless society. Also, the banks are gradually mopping up the old naira notes as most banks often dispense new naira notes to customers.Like in every healthy relationship, the partnership between the apex bank and the Bankers’ Committee remains ‘work in progress’. So far, there is reason to believe that they are not working at cross purposes, but assiduously reinforcing the benefits of collaboration towards the economic development of Nigeria. . Clement Nwoji is a journalist and public affairs analysts based in AbujaStanley is a popular drinkware brand for a reason, and while its tumblers have gone viral in recent years, the company offers many other types of drinkware. Now, you can treat yourself or a loved one to a Stanley bottle at a discount since the brand is offering 25% off select items with the code BLACKFRIDAYSALE25 as a Black Friday deal . As a deal of the day, with the code DOTD50 , you can also get 50% off items in Stanley's artisan collection. 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Ariana Grande & Cynthia Erivo Pay Disparity Rumor Debunked by Universal Statement By has disputed a rumor that and were paid substantially differently for their work on the hit musical adaptation . What did Universal say about the pay disparity rumor? In a recent statement to The Hollywood Reporter, a Universal spokesperson said that any rumors of the pair having a massive pay disparity was “completely false” and had no basis for their veracity. “Reports of pay disparity between Cynthia and Ariana are completely false and based on internet fodder. The women received equal pay for their work on Wicked,” the spokesperson said. Rumors initially began popping up across popular social media sites TikTok and Reddit, with users claiming that Grande was paid $15 million for her work in the film, while Erivo was paid just $1 million. The story didn’t have much evidence behind it, but it quickly began spreading across various posts and news outlets. The movies are directed by Jon M. Chu from a screenplay written by the musical’s book writer Winnie Holzman. It is based on Maguire’s bestselling novel and the Tony-winning stage musical. The ensemble cast is led by Ariana Grande and Cynthia Erivo, who play Galinda Upland and Elphaba Thropp in the film, respectively. The rest of the cast includes Michelle Yeoh as Madame Morrible, Jonathan Bailey as Fiyero Tigelaar, Jeff Goldblum as the Wizard of Oz, Peter Dinklage as Doctor Dillamond, Bowen Yang as Pfannee, Keala Settle as Miss Coddle, Marissa Bode as Nessarose Thropp, Bronwyn James as ShenShen, Ethan Slater as Boq, and more. “The film tells the untold story of the witches of Oz: Elphaba, a young woman, misunderstood because of her unusual green skin, who has yet to discover her true power; and Glinda, a popular young woman, gilded by privilege and ambition, who has yet to discover her true heart,” reads the official synopsis. “The two meet as students at Shiz University in the fantastical Land of Oz and forge an unlikely but profound friendship. Following an encounter with The Wonderful Wizard of Oz, their friendship reaches a crossroads and their lives take very different paths.” Glinda’s unflinching desire for popularity sees her seduced by power, while Elphaba’s determination to remain true to herself, and to those around her, will have unexpected and shocking consequences on her future. Their extraordinary adventures in Oz will ultimately see them fulfill their destinies as Glinda the Good and the Wicked Witch of the West.” Wicked: Part One is out now in theaters. The sequel, , is currently set for November 21, 2025. (Source: ) Anthony Nash has been writing about games and the gaming industry for nearly a decade. When he’s not writing about games, he’s usually playing them. You can find him on Twitter talking about games or sports at @_anthonynash. Share articleTrump's lawyers rebuff DA's idea for upholding his hush money conviction

Michail Antonio spoke to his West Ham team-mates via a video call from his hospital bed before they beat Wolves 2-1 on Monday night. Jarrod Bowen held Antonio’s number nine shirt aloft after scoring the winner in support of the Hammers striker, who is recovering after a horror car crash on Saturday. Boss Julen Lopetegui said: “He is not in his best moment but he kept his humour. It was a special moment for us. “I think we have a lot of reason to win matches but this was one reason more. He’s alive so we are happy.” West Ham players wore ‘Antonio 9′ shirts while warming up and walking out before kick-off. The shirts will be signed by the players, including Antonio, and auctioned off with the proceeds going to the NHS and Air Ambulances UK. Tomas Soucek headed West Ham into the lead and held up nine fingers to a TV camera. The Czech midfielder told Sky Sports: “He’s been here since I came here. He is really my favourite. I said it would be tough for me to play without him. “I was so scared what was going to happen. It was a really tough week for him, his family and us.” Matt Doherty equalised for Wolves, and boss Gary O’Neil felt they should have had two penalties for fouls on Goncalo Guedes and Jean-Ricner Bellegarde, both of which were checked by VAR. But Bowen’s winner – O’Neil believed there was a foul in the build-up – condemned Wolves to a 10th defeat of the season and a third in a row. While under-pressure Lopetegui may have earned a stay of execution, O’Neil’s future as Wolves manager is now in serious doubt. “A lot of things went against us but ultimately we have not found a way to turn the game in our favour,” he said. “But the players showed they are still fighting for me, for the fans and the group. “Where does this leave me? In the same place I was. I’m aware of the noise. But if anyone expected this to be easy – I’m happy to be judged on results but it should be done in context. “Whenever this journey ends with Wolves I’ll be proud of it.” There was an acrimonious end to the match as captains Bowen and Mario Lemina scuffled after the final whistle, with the Wolves midfielder angrily shoving people including one of his own coaches, Shaun Derry. “I just went to shake his hand after the game,” Bowen said. “He didn’t want to shake my hand, two captains together just to say ‘well done’ after the game. “I know it’s difficult when you lose. I’ve been on the end of that situation.” O’Neil added: “Mario is calm now. He’s a passionate guy and something was said that upset him. “The instinct of the staff was to make sure he didn’t get into trouble, but he took some calming down.”

Tether, the stablecoin company, has made a venture capital fund investment into a Bermudian-based technology fund. Arcanum Capital ISA announced that Tether has made the investment into Arcanum Emerging Technologies Fund II (Offshore) ISA, an incorporated segregated account of DigitalArray ISAC Ltd, dedicated to nurturing the next generation of decentralised technologies. Arcanum Capital ISA is registered to conduct investment business by the Bermuda Monetary Authority pursuant to the Investment Business Act 2003. Arcanum Emerging Technologies Fund II (Offshore) ISA is registered with the BMA as a professional closed fund under the Investment Funds Act 2006. Arcanum Capital said the investment underscores the significance of its mission to accelerate the development of transformative Web3 technologies, including the Bitcoin ecosystem, the intersection of blockchain and artificial intelligence, blockchain infrastructure, innovations in payments, and privacy-focused technologies. It said: “Tether’s notable investment not only bolsters the fund’s capacity to support these critical initiatives but also marks a significant development in the evolution of venture capital within the blockchain space.” Paolo Ardoino, chief executive of Tether and chief strategy officer of Holepunch, a platform for creating apps that don’t use any servers, said: “In a world increasingly shaped by geopolitical tensions and macroeconomic uncertainty, the need for resilient technology to safeguard our freedoms has never been more crucial. “We are proud to partner with Arcanum Capital to stand at the forefront of empowering people with the tools and knowledge to protect their sovereignty.” James McDowall, managing partner of Arcanum Capital, said: “We are honoured to have Tether as a founding investor in our second fund. “Their contribution not only signals a strong vote of confidence in us as asset managers, but also validates our unique mission and approach. “Our passion lies in the transformative technologies we invest in, and we are proud to have Tether alongside us in supporting this mission.” In line with Tether’s investment thesis, a portion of the fund will focus on companies utilising Tether’s stablecoin for innovations in payments, as well as further bolstering the efforts of projects that use Holepunch technology. Arcanum Capital has also secured Luganodes, which it said is the world’s fastest-growing blockchain infrastructure provider, as a limited partner in the fund, as well as selecting them as their preferred staking partner.