Sterling Bank (Nigeria)

**Bankin Sterling Plc,**wani babban bankin kasuwanci ne na ƙasa yana da lasisi ,daga Babban Bankin Najeriya . A kan tashoshin Reuters da Bloomberg, an gano shi da STERLNB. LG da STERLNBA: NL bi da bi.  

Bankin yana ba da sabis ga ɗaiɗaikun mutane, ƙananan kamfanoni (SMEs) da manyan kamfanoni. Ya zuwa Disamba 2020, cibiyar sadarwa ta reshen bankin ta kai 157,  da aka rarraba a duk faɗin Najeriya tare da jimlar ƙadarorin da darajarsu ta haura tiriliyan NGN. 

## Tarihi
An kafa bankin Sterling Plc a shekara ta 1960 a matsayin Nigeria Acceptances Limited (NAL). An baiwa bankin lasisin zama bankin kasuwanci na farko a Najeriya a shekara ta 1969. Sakamakon dokar ƴan asalin ƙasar ta alif 1972, Bankin ya zama cikakken mallakar gwamnati kuma an gudanar da shi tare da haɗin gwiwa tare da Grindlays Bank Limited, Continental International Finance Company Illinois da American Express Bank Limited tsakanin Alif (1974 zuwa 1992. A cikin 1992), Bankin ya zama wani ɓangare na kamfani kuma an jera shi a matsayin kamfani na jama'a a kan kasuwar hannayen jari ta Najeriya (NSE). Bayan shekaru takwas, a shekara ta 2000, gwamnatin tarayya ta sayar da sauran ribar da ta rage a bankin, inda ta mayar da shi cikakkiyar cibiya. 

A cikin watan Janairu na shekarar 2006, a wani ɓangare na bunkasa harkar hada-hadar banki ta Najeriya, NAL Bank ya kammala haɗewa da wasu bankunan Najeriya guda huɗu da suka haɗa da, Magnum Trust Bank, NBM Bank, Trust Bank of Africa da Indo-Nigeria Merchant Bank (INMB) sannan suka amince da tsarin bankin. Sunan 'Sterling Bank'.  An yi nasarar haɗa ƙungiyoyin da aka haɗe kuma suna aiki azaman ƙungiyar haɗin gwiwa tun daga lokacin.

A daidai lokacin da babban bankin Najeriya ya soke tsarin hada-hadar banki na bai-ɗaya, bankin Sterling a yanzu yana aiki a matsayin bankin kasuwanci na ƙasa, inda yake zubar da hannayen jari a wasu rassa da kamfanoni masu alaƙa. A tsakiyar 2011, Sterling Bank Plc ya sami ikon mallakar bankin Equatorial Trust na da. 

## Ayyuka
Ayyukan Bankin da samfuransa an haɗa su zuwa gungu huɗu:

Retail & Bankin Mabukaci, Bankin Kasuwanci, Bankin Cibiyoyi da Bankin Kamfanoni.

Sterling ya ƙaddamar da tsare-tsare da yawa a ƙarƙashin Retail & Banking Consumer kamar Bankin Agent (wanda aka ƙera don jawo hankalin marasa banki/mara banki),  Micro-credit ga matasa da Specta  (dandali na ba da lamuni mai sarrafa kansa). Bankin Kasuwancin sa yana huɗɗar da su a sassa da yawa ciki har da Noma  wanda bankin ya sami lambobin yabo da yawa yayin da Babban Bankin sa yana ba da sabis na ƙara ƙima da sabis na tarawa ga ƙungiyoyin gwamnati. Bankin Kamfanin Sterling ya ƙunshi sassa da yawa da suka haɗa da Sadarwa, Wutar Lantarki da Karfe, Abinci da Abin sha da sauransu. 

Bankin yana aiki daga:

* Babban Ofishin 20 Marina, Lagos
* rassa 157 a fadin kasar
* 10,667 Tashoshin POS tare da 'yan kasuwa da yawa
* 689 ATMs a fadin kasar
* Sama da masu amfani da USSD miliyan 1.5 a duk faɗin ƙasar

## Ayyuka na Musamman

* **Banki Masu zaman kansu da Gudanar da Dukiya**

Har ila yau, Bankin yana ba da sabis na High Net Worth mutane ta hanyar Bankin Masu zaman kansu da Gudanar da Arziki suna ba da kayayyaki kamar Trust and Fiduciary Services, Gudanar da Philanthropy, Shawarar Zuba Jari, da sauransu. 

* **Sterling Alternative Finance (SAF) (Banki da Ban sha'awa)**

A shekarar 2013, Babban Bankin Najeriya ya ba bankin lasisin samar da ayyukan banki marasa riba bayan cika sharuddan da aka gindaya.  Madadin samfuran banki sun kasu kashi uku: Kasuwanci, Zuba Jari, da Kuɗi.  Bankin ya kafa wannan sashe na kasuwanci ne bisa tsarin da ya dace a duniya ta wannan fanni ta hanyar samun kwamitin kwararru na ba da shawara (ACE) wanda ya amince da duk wani tsari da tsari tare da tabbatar da cikakken bin ka'idojin fikihu na kasuwanci na Musulunci. Kwamitin Ba da Shawara na Bankin (ACE) ya haɗa da Sheikh Abdulƙadir Thomas (US/Kuwait); Sheikh Abubakar Musa (Minna); da Imam Abdur-Raheem Ahmad Sayi (Lagos).  

## Babbar Haskakawa ta 2020
Rahoton kuɗi na baya-bayan nan game da kuɗin shiga na Sterling Bank Limited shine ranar 2020 

* Babban kuɗin da aka daidaita ta hanyar raguwar 12.4% na ribar riba yayin da yawan amfanin ƙasa ya yi ƙasa.
* Kudin riba ya ƙi da 21.3%, wanda ya haifar da raguwar 160 bps a farashin kuɗi; haɓakar yoy 39.5% ne ya motsa wannan a cikin adibas ɗin abokin ciniki mai rahusa.
* Dangane da bala'in cutar da asarar kuɗi da ake tsammanin, Sterling ya karu da haɗarin haɗari da 10 bps zuwa 1.0% yayin da yake daidaita rabon NPL ƙasa da 30bps zuwa 1.9%.
* Adadin farashi-zuwa-shigo ya ƙi yoy zuwa 77.4%. Bankin ya sami raguwar kudaden aiki da kashi 2.5% duk da hauhawar farashin kayayyaki.
* Musamman ma, NIP (NIBBS Instant Payments) yawan ciniki ya karu da kashi 89.4% idan aka kwatanta da shekarar da ta gabata a bayan saka hannun jarin da aka yi a dandalinmu na dijital.
* Jimillar kadarorin ta karu da kashi 9.8% zuwa Naira biliyan 1,299.1 daga Naira biliyan 1,182.7 a watan Disambar 2019;
* Lamuni da ci gaba sun ragu da kashi 3.5% zuwa Naira biliyan 596.8 (FY 2019: Naira biliyan 618.7);
* Adadin abokan ciniki ya karu da kashi 6.5% zuwa Naira biliyan 950.8 (Dec. 2019: Naira biliyan 892.7);
* Matsakaicin wadatar babban birnin har zuwa 18%; da kyau sama da matakin tsari.
* Bankin ya samu karuwar riba da kashi 6.0% bayan harajin da ya kai Naira biliyan 11.2; a ranar 2020 sun canza zuwa +13.55%.

## Sauran abubuwan da ba na Kuɗi ba
Sauran abubuwan da ba na kuɗi ba sun haɗa da:

• Kamfanonin dijital da aka ƙaddamar a cikin wannan shekara sun haɗa da: **OneBank** ; sabon aikace-aikacen banki na lantarki, **bayarwa** (www.giving.ng); dandalin taron jama'a da **Biya tare da Specta** ; dandalin ba da lamuni don SMEs.

• An Ba da Kyautar 2020 'Gabaɗaya Mafi kyawun Wurin Aiki a Najeriya' a cikin babban rukunin kamfanoni na Cibiyar Babban Wurin Aiki.

Bankin yana gudanar da ayyukan zamantakewa na kamfanoni a waɗannan fannoni: ilimi, muhalli, lafiya, ƙarfafawa, haɓaka wasanni, haɓaka iyawa, da sauransu. 

## Ƴan kwamitin gudanarwa

* Asue Ighodalo – Shugaba
* Abubakar Suleiman – Managing Director/Chief Executive Officer
* Yemi Odubiyi - Babban Darakta
* Raheem Owodeyi - Babban Darakta 
* Tunde Adeola- Babban Darakta 
* Ankala Prasad - Darakta mara zartarwa
* Michael Jituboh - Darakta mara zartarwa
* Olaitan Kajero - Darakta mara zartarwa
* Tairat Tijani - Darakta mara zartarwa
* Folasade Kilaso - Babban Darakta
* Paritosh Tripathi - Darakta mara zartarwa
* Olatunji Mayaki - Darakta mara zartarwa
* Michael Ajukwu - Darakta mai zaman kansa
* Olusola Oworu - Darakta mai zaman kansa

Malam Abubakar Suleiman shi ne Manajan Darakta/Babban Jami’in Gudanarwa na yanzu, inda ya karɓi wannan mukamin a ranar 1 ga Afrilu, 2018.

## Duba kuma

* Jerin bankunan Najeriya
* Babban Bankin Najeriya
* Tattalin arzikin Najeriya 

## Manazarta