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Popular Nigerian actress has been caught on camera flaunting her bare baby bump following her pregnancy announcement.
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Apple will open about 100 more stores in the U.S. this week, with focus on curbside service
KEY POINTS
- Apple plans to open approximately 100 more stores in 21 states this week.
- When the stores re-open, about 130 Apple stores will be operational in the United States.
- Some stores re-opening this week will be available for walk-in customers.
Apple plans to open approximately 100 stores in the United States this week, a company representative told CNBC.
In total, about 130 out of 271 Apple Stores in the United States will be open by the end of the week. Apple operates 510 stores around the world.
Apple’s retail openings are being closely watched as both a key demand driver for Apple as well as a leading indicator for the health of the retail industry, where Apple’s locations often anchor important malls or shopping districts.
The stores in the United States that have re-opened so far have focused on Apple’s Genius Bar, which enables customers to get service and support for broken iPhones and other Apple products. Some stores re-opening this week will be available for walk-in customers.
“This week we’ll return to serving customers in many US locations,” an Apple representative said in a statement. “For customer safety and convenience, most stores will offer curbside or storefront service only, where we provide online order pick-up and Genius Bar appointments.”
Apple’s head of retail Deidre O’Brien wrote an open letter earlier this month outlining the company’s retail re-opening strategy. In March, Apple closed its retail stores outside of China in response to the Covid-19 pandemic.
Curbside service at an Apple Store.
Apple
“In every store, we’re focused on limiting occupancy and giving everybody lots of room, and renewing our focus on one‑on‑one, personalized service at the Genius Bar and throughout the store,” O’Brien said in the letter. She also wrote that face masks will be provided to customers at the door, that staff will perform regular “enhanced deep cleanings,” and that the company will screen employees for symptoms of coronavirus.
This week Apple will re-open stores in Arizona, California, Florida, Georgia, Indiana, Kansas, Kentucky, Michigan, Missouri, Nevada, New Mexico, New York, Ohio, Oregon, Tennessee, Texas, Utah, Virginia, and Wisconsin.
Polaris Bank celebrates their first year of operation with the profit of N27.8bn
The result which suggests a compelling narrative of Nigeria’s banking industry followed from the turn-around initiatives undertaken by the leadership of the Bank led by the Chief Executive Adetokunbo Abiru.
According to the Bank’s first full year financial result, Polaris Bank Limited posted a gross earnings figure of N150.8bilion and a Profit Before Tax (PBT) of N27.8billion within the first full year of operation. The achievements coming in the first year of operations of the institution is a clear validation of regulatory
induced interventions in the bank.
The Bank also closed the 2019 financial year with total assets of N1.1trillion and Shareholders Fund of N83billion. A review of the results shows positive performance across most major key prudential ratios: capital adequacy, liquidity, Non-Performing Loans which is now significantly in compliance with stipulated regulatory requirements.
This result is coming amidst the highly challenging business environment which forced many businesses to cut down on their operating expenses.
The published result shows that Polaris Bank’s Capital Adequacy (14%) and liquidity (81%) ratios are well above regulatory requirements demonstrating strong prudential compliance and assuring a strong
capital buffer, careful liquidity management and resilience.
The Bank’s customer deposits stood at N857.9billion even as the Bank continues to focus on stable, low-cost deposits and well-diversified portfolio devoid of high concentration. Likewise, the loan book stood at N261billion in December 2019 providing the Bank with the desired headroom to accommodate the required growth in risk assets to support the nation’s economic growth.
The Bank equally recorded a Return on Equity (ROE) and Return on Assets (ROA) of 33.0% and 2.4% for the year-end December 2019 respectively. Commenting on the Bank’s performance, the Managing Director/Chief Executive Officer (MD/ CEO) of Polaris Bank Limited, Mr. Adetokunbo Abiru said that: “the
emergence of Polaris Bank on September 21, 2018, has heralded a new dawn as it laid the foundation
for institutional competitiveness and service innovation in Nigeria’s challenging banking space.” He further noted that
“Our strategy which anchors on rebuilding the franchise and strengthening the balance sheet position provide enablers for ongoing initiatives towards lean operations and efficient balance sheet management devoid of capital erosion risks.
Expressing satisfaction with the Bank’s new corporate governance regime, the Chief Executive Officer noted that “We shall continue to run an ethically governed Bank upholding sound risk management practices and proactively taking measures to mitigate the impact of the adverse business environment while the Board and Management continue to guide the Bank towards a path of sustainable growth.
Polaris Bank’s performance has assured a strong positive outlook for earnings, margins, and profitability improvement in its cautious pursuit of loan growth, a sustained strategy for operational efficiency, funding cost optimization, and efficient deposit mix.
The headroom for loan creation no doubt presents an opportunity for improved margins. Going into the year 2020 and despite the challenging macroeconomic environment, The Bank says it is poised to reap the benefits of its investment in both the capacity of its employees to improve service experience as well as in critical infrastructures that will support the digitization of its operations.
Polaris Bank is a future-determining Bank committed to the delivery of industry-defining products, services, and digital platforms across all the sectors of the Nigerian economy. The Bank is a member of the United Nations Environment Programme Finance Initiative (UNEP FI), which seeks to engage the private sector and the global financial sector to help create a financial sector that serves people and the planet while delivering positive impact.
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