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CBA Foundation says man’s inhumanity to man is at its worst in the way in-laws treat widows
After Mrs kumbaya (name changed to protect her identity) lost her husband at work in 2005, she was accused of killing him. The accusation did not come from her husband’s brothers but his sister, who had earlier lost her own husband. It took the combined hard work of the brothers to get their sister off the back of her fellow widow. They told their sister pointedly that she too could face the same accusation she was levelling against their sister-in-law, since her husband was deceased too.This real incident underlines one of the greatest puzzles of the twenty-first century: How people who themselves or their mother or children or relatives are victims or could be victims of the dehumanising treatment of widows condone, live with, encourage and perpetuate the horrendous denigration inflicted on widows by their in-laws. The continued existence of this kind of situation of dog eat dog, or rather man’s inhumanity to man, makes one wonder if Aristotle also considered (Nigerian) in-laws when he asserted that man is a rational animal. There is absolutely nothing rational about the dehumanisation widows are subjected to by their in-laws in this clime.A man, who through marriage has become one with the woman he marries, dies, leaving behind his wife and five children (three boys and two girls – this fact is only being added to show that the gender of the children may not even be a factor in how the widow is treated). Almost immediately his siblings and other blood relatives swoop on whatever assets of his they can lay their hands on. If a family meeting is convened, it is not to discuss the welfare of their late brother’s wife and children, who all bear the family name as part of their extended family. No, that is an agenda item for meetings convened by angels, not in-laws of widows. What in-laws of widows convene family meetings for is to make sure they have not missed out any of the assets their late brother could have had. That is how kind in-laws are to a widow.If Mrs Kumbaya thought her case was going to be different because her brothers-in-law defended and protected her from their sister, then she apparently may have ascribed angelic virtues to her husband’s brothers. For, as it turned out, that act of defence and protection from their sister was the only kindness the brothers of Mrs Kumbaya’s late husband extended to her. They never helped or asked after her and her children’s welfare after that. Not even when things became so difficult that she could no longer pay her house rent and ended up on the street.Maybe Mrs Kumbaya should even count herself lucky. Stories abound of widows who had been abused, molested, raped or “shared” by in-laws as part of the property left behind by their late brother. There are stories of widows, falsely accused of killing their husbands, being locked up by in-laws in police cells and the keys thrown into the sea, as it were. What about widows forced to drink the water used to wash the corpse of their husband as proof that they had no hand in their husband’s death. Or the ones forced to spend days and nights in the same room with the corpse of their husband.Nigeria is not exactly a safe haven for women. What with the prevalence of harmful cultural orientations and practices against the female gender, such as preference of the male child to the female child, female circumcision, FGM (female genital mutilation), forced marriage and denial of inheritance, succession and other rights the male gender takes for granted. Generally, Nigeria is not a friendly environment for women, least of all widows considered to be a highly vulnerable group. In fact, Nigeria is said to be one of the least safe places for women in the world with a survey by the Thomson Reuters Foundation conducted in 2018 ranking Nigeria as the ninth most dangerous country in the world for women.The dehumanising treatment of widows is part of what the Violence Against Persons (Prohibition) Act, passed in 2015, was intended to stop. The Act, more commonly referred to as the VAPP Act or law, categorises emotional, verbal and psychological abuse as offences and is considered by many legal experts and advocacy groups to be a comprehensive tool for addressing all forms of violence and abuse against all persons. The law seeks to do so by providing maximum protection from violence of various forms against all persons irrespective of tribe, socio-economic class, religion and gender and offering effective remedies (financial compensation) for victims of violence and appropriate punishment (globally acceptable deterrents) for offenders.It is not known how much of the general population, including in-laws who routinely dehumanise widows, is aware of the VAPP law. While ignorance of the law offers no excuse in a court of law, it is imperative that more enlightenment be created on the existence of the VAPP Act and all its provisions against many of the inimical practices that in-laws perpetrate against widows in the name of culture. Maybe, just maybe, some in-laws, who are themselves uncomfortable with those practices but take part because of family and community pressure, could be emboldened by knowledge of the Act to become advocates and campaigners against such practices.Back to Mrs Kumbaya, for those concerned about her and what must have happened to her after she ended up on the street. They can heave a sigh of relief that the good Lord sent his angel in the form of the Chinwe Bode-Akinwande Foundation (CBA Foundation) and they took her off the street. Mrs Kumbaya now lives in an apartment rented for her by the Foundation, which also supplied her a mattress, other household items and food stuff.The CBA Foundation, founded in 2015, the same year the VAPP Act was enacted, is a strong advocate for the enforcement of the Act. Along other civil society groups, it is pushing for the domestication of the Act in states of the federation that are yet to enact a similar act. Rigorous enforcement of the VAPP law across the federation will undoubtedly accelerate the mission of the Foundation, which is to promote “the protection of [underprivileged] widows and their vulnerable children in Nigeria, to promote immediate and lasting hope, confidence and courage in their lives.” The Foundation pursues its mission under its 5-point agenda of women empowerment/capacity building, health intervention, nutrition, quality basic education and a self-employment scheme.This piece is not intended to demonise in-laws. The writer is himself an in-law by multiples. It is to call for a change of heart and attitude in society, particularly among in-laws, towards widows, knowing that we, our mothers, daughters, neighbours, friends are or could become widows. In-laws should join public-spirited people across the country in supporting the CBA Foundation in its advocacy for enforcement of the VAPP law and in providing succour for underprivileged widows and their vulnerable children. There are many Mrs Kumbayas out there but the resources and reach of angels such as CBA Foundation are limited. Men and women of goodwill, including in-laws who have now seen the light, can extend the Foundation’s resources and reach by supporting it in its mission. Contact the Foundation today by sending an email to them at: [email protected].
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BANKING ON HER TOMORROW: ZENITH BANK EMPOWERS 300 GIRLS WITH EDUCATION, KNOWLEDGE AND CONFIDENCE
Zenith Bank Plc has launched the maiden edition of its Girl-Child Empowerment Programme, themed “Banking on Her Tomorrow,” bringing together 300 schoolgirls aged 13 to 17 from selected schools across Lagos for a day of learning, mentorship and personal development.
Held on Monday, October 12, 2026, at the Civic Centre, Victoria Island, Lagos, the programme featured sessions on finance and investment, etiquette and personal development, social media ethics, and social relationships and interactions, equipping participants with practical knowledge and skills for their personal, educational and future career journeys.
The initiative, a brainchild of the Bank’s Group Managing Director/Chief Executive Officer, Dame (Dr.) Adaora Umeoji, OON, reflects Zenith Bank’s commitment to nurturing the potential of young girls and helping them make informed choices about their futures.
In her welcome address, Dame (Dr.) Umeoji urged the participants to believe in their abilities, pursue their ambitions and remain focused and disciplined. Drawing on examples of young girls who have achieved remarkable feats, she challenged them to look beyond their present circumstances and envision the women they aspire to become.
“To all my amazing young ladies here today, each of you possesses gifts, talents, and ideas that are capable of revolutionising the world. You can revolutionise the world with your ideas,” she said.
The GMD/CEO further encouraged the girls to explore their interests and resist societal limitations, stressing the importance of taking ownership of their futures.
“Never allow gender or age to limit your goals. Whatever interests you today, explore it. Whatever you choose to pursue in life, give it your best shot,” she said.
Delivering the keynote address, Her Majesty, Olori Atuwatse III, Queen Consort of the Warri Kingdom, encouraged the girls to embrace their identities, develop resilience and use their abilities to make a positive difference in the lives of others.
Using the mangrove tree as a metaphor for resilience, she reminded the participants that challenges need not define their futures and that their worth extends beyond academic results and external expectations.
“Every time you affirm the truth about who you are, you are building confidence. Every time the tide of life goes out and you are still standing, you are building resilience. And every time you use your gifts for another person, you are discovering your purpose,” Olori Atuwatse III said.
The programme featured interactive sessions led by accomplished professionals and personalities:
Ayanime Edem, founder of The Elite Finishing School and modern etiquette educator, discussed confidence, communication, self-presentation and etiquette.
Nigerian actress and content creator Bukunmi Adeaga Ilori, popularly known as Kie Kie, addressed responsible social media use, authenticity and digital boundaries.
Representing Zenith Bank, Thelma Okonye and Adesola Adeyemo introduced the girls to saving, responsible money management and investment, highlighting the importance of developing sound financial habits early.
While Nigerian filmmaker, creative executive and educator,Praise Onyeagwalam, Director Pink, led a session on healthy relationships, self-awareness and effective communication.
The sessions encouraged active participation, giving the girls opportunities to ask questions and engage with the speakers on issues relevant to their experiences and aspirations.
The programme also featured competitions, with cash prizes totalling over ₦1 million awarded to winners. The participants received books to encourage reading and personal growth, while musical performances by Nigerian singers Qing Madi and No. 11 added to the lively atmosphere. The event was hosted by Temi Badru, public speaker, communications coach and lawyer, with Darasimi Destiny Nadi serving as mini host.
Delivering the closing remarks, Executive Director, Zenith Bank Plc, Dr. Mrs. Adobi Nwapa, highlighted the GMD/CEO’s vision for the initiative and the Bank’s commitment to sustaining its impact.
“The programme is the vision of our GMD/CEO, who conceived and championed it, demonstrating her unwavering commitment to the empowerment of the girl child. Through her leadership, she has shown the girls what is possible when a woman dares to lead. At Zenith Bank, our commitment to the girl child extends beyond today, and we will continue to nurture their aspirations through this annual initiative,” she said.
Dr. Nwapa thanked the speakers and participants for contributing to the programme’s success and encouraged the girls to apply the lessons learnt, remain confident and pursue their aspirations with determination.
The initiative builds on Zenith Bank’s longstanding commitment to advancing opportunities for women and girls through programmes including its annual International Women’s Day Seminar, the Zenith Women’s Basketball League, the Women of Honour Awards in partnership with the Ford Foundation, the Pad-a-Queen Initiative and Z-Woman, which supports women-owned businesses through business support and access to credit at discounted rates.
Through “Banking on Her Tomorrow,” Zenith Bank is extending this commitment to a younger generation, equipping girls with the knowledge, skills and confidence to pursue their ambitions and contribute meaningfully to their communities and society.
Zenith Bank Plc is set to launch the maiden edition of its Girl-Child Empowerment Programme, an initiative aimed at inspiring young girls to dream boldly, develop the skills and confidence to pursue their aspirations, and prepare for meaningful opportunities in the future.
The event, themed “Banking On Her Tomorrow,” is the brainchild of the Bank’s Group Managing Director/Chief Executive Officer, Dame Dr. Adaora Umeoji, OON, the first female GMD/CEO in Zenith Bank’s history and a strong advocate for girl-child education and empowerment. The event will be held virtually on Monday, October 12, 2026, at 11:00 a.m., a day after the International Day of the Girl Child, observed globally on October 11.
The programme, which will feature an impressive lineup of distinguished experts in various fields, seeks to provide girls with the inspiration, knowledge and practical perspectives needed to navigate their education and careers, while exposing them to opportunities in skills development, mentorship and leadership. As an annual platform, it will encourage girls to recognise their potential, broaden their aspirations and equip themselves to make informed choices about their future.
The initiative builds on Zenith Bank’s longstanding commitment to women and girls, demonstrated through programmes and platforms including the Bank’s annual International Women’s Day Seminar, its sole sponsorship of the Zenith Women’s Basketball League, the Women of Honour Awards in partnership with the Ford Foundation, and the Pad-a-Queen Initiative. These complement the Bank’s women-focused financial solutions, including the Z-Woman initiative, an empowerment programme that supports women-owned and women-led businesses through specialised funding, capacity building and networking. Together, these initiatives reflect the Bank’s broader commitment to supporting women and girls at different stages of their lives, and to contributing meaningfully to national development.
This maiden edition is open to all, with girls, parents, educators and other members of the public invited to participate. Interested participants can register via the link below. Those unable to join via Zoom can follow the live stream on Zenith Bank’s social media platforms.
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GTCO Plc Releases 2026 Half Year Audited Results …….. Reports Profit Before Tax of ₦603.03billion,Pays Interim Dividend of ₦1
Guaranty Trust Holding Company Plc (“GTCO” or the “Group”) has released its Audited Consolidated and Separate Financial Statements for the period ended June 30, 2026, to the Nigerian Exchange Group (NGX) and London Stock Exchange (LSE).
The Group posted a profit before tax of ₦603.03 billion, driven by strong performance recorded on the interest and trading income lines, which grew y-o-y by 7.5% and 24.7%, respectively. The strong earningsrecorded was moderated by a ₦46.2 billion fair value loss recognized in H1–2026, limiting y-o-y growth in PBT to 0.4%.
The Group grew across its asset lines, reinforcing a balance sheet that is well structured, liquid and diversified. This growth was recorded in each jurisdiction where we operate a banking franchise, and across our Payments, Pension and Funds Management businesses.”
Group’s Total assets and shareholders’ funds closed at ₦18.6trillion and ₦3.3trillion, respectively. Capital Adequacy Ratio (CAR) remained very strong, closing at 34.9% (Bank 29.2%), and asset quality improved as evidenced by IFRS 9 Stage 3 Loans which closed at 3.5% and 4.6% % at both Bank and Group Level in H1-2026 (Bank -3.4%, Group 5.0% in FY-2025). Cost of Risk (COR) improved to 0.6% from 2.2% during the same period.
The Group’s Loan book (net) grew marginally by 0.5% from ₦3.13trillion as of December 2025 to ₦3.15trillion in June 2026, converse for improved performance on Deposit liabilities which grew by 10.3% from ₦12.87trillion to ₦14.19trillion during the same period.
Commenting on the results, the Group Chief Executive Officer of Guaranty Trust Holding Company Plc (GTCO Plc), Mr. Segun Agbaje, said; “Our half year results speak to the strength of what we have built: a resilient franchise, a strong balance sheet and a business that no longer depends on banking alone. Fair value movements weighed on reported earnings, but the core business held firm. Interest and trading income grew, deposits strengthened, and asset quality improved at Group level. The priority now is to execute with discipline and grow responsibly. Digital is our lever for scaling across Banking, Payments, Pension and Funds Management, and for building a more diversified and resilient financial services group.”
Overall, the Group continues to post one of the best metrics in the Nigerian Financial Services Industry in terms of key financial ratios i.e., Pre-Tax Return on Equity (ROAE) of 35.9%, Pre-Tax Return on Assets (ROAA) of 6.6%, Capital Adequacy Ratio (CAR) of 34.9% (Bank: 29.2%) and Cost to Income ratio of 31.5%.
GTCO Plc is a leading financial services group with operations across Africa and the United Kingdom. Renowned for its strong corporate governance, innovative financial solutions, and customer-centric approach, the Group provides a wide range of banking and non-banking services including payments, funds management, and pension fund administration. The Group is committed to delivering long-term value to stakeholders while driving growth and development across its markets
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