Upload File

university of · pdf fileuniversity of nigeria enugu campus ... the concept of merchant...

  • Home
  • Documents
  • University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
100
University of Nigeria Research Publications OSUAGWU, Chijioke U. Name PG/MBA./97/20318 Title Portfolio Selection and Management as a Growth Factor in Nigerian Banks: A Performance Appraisal of Nigerian Merchant Banks 1981- 1991 Faculty Business Administration Department Banking and Finance Date December, 1998 Signature

Upload: vobao

Post on 23-Mar-2018

214 views

Category:

Documents


1 download

Report

TRANSCRIPT

Page 1: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks

University of Nigeria Research Publications

OSUAGWU, Chijioke U.

Nam

e

PG/MBA./97/20318

Title

Portfolio Selection and Management as a Growth Factor in Nigerian Banks: A

Performance Appraisal of Nigerian Merchant Banks 1981- 1991

Facu

lty

Business Administration

Dep

artm

ent

Banking and Finance

Dat

e December, 1998

Sign

atur

e

Page 2: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 3: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 4: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 5: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 6: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 7: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 8: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 9: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 10: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 11: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 12: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 13: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 14: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 15: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 16: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 17: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 18: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 19: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 20: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 21: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 22: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 23: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 24: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 25: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 26: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 27: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 28: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 29: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 30: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 31: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 32: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 33: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 34: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 35: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 36: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 37: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 38: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 39: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 40: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 41: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 42: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 43: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 44: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 45: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 46: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 47: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 48: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 49: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 50: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 51: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 52: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 53: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 54: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 55: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 56: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 57: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 58: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 59: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 60: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 61: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 62: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 63: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 64: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 65: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 66: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 67: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 68: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 69: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 70: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 71: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 72: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 73: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 74: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 75: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 76: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 77: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 78: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 79: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 80: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 81: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 82: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 83: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 84: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 85: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 86: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 87: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 88: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 89: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 90: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 91: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 92: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 93: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 94: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 95: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 96: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 97: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 98: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 99: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks
Page 100: University of · PDF fileUniversity Of Nigeria Enugu Campus ... THE CONCEPT OF MERCHANT BANKING ... llarcourt and Onitsha were made questionnaire administered to the banks

Evaluating the causes of the road failure of onitsha

ASSESSING HOUSING MARKET DISEQUILIBRIUM IN ENUGU

UPLOADED BY  · 97 naf201703040 obinna solomon odoh m enugu trade 98 naf201730476 timothy fater kokoh m enugu non-trade 99 naf2017118209 stanley obinna odugu m enugu non-trade

ONITSHA St. John Bosco Youth Centre Missione Salesiana in Nigeria 1989 - 2007

MOTIVATION AND PERFORMANCE IN ENUGU STATE …

ST. JOHN BOSCO YOUTH CENTRE Km7 Onitsha-Owerri Road P.O.Box 314 Onitsha Anambra State NIGERIA Phone: +2348056348788 Email: [email protected]@yahoo.com

RIPPLES from Enugu

NDEZU ỤTỌASỤSỤ - Michigan State Universityalma.matrix.msu.edu/wp-content/uploads/2019/12/Ndezu...Enugu. Enugu State, Nigeria Phone: 08033393296 E-mail: [email protected]

CURRICULUM VITAE SECTION A: PERSONAL DETAILSm.covenantuniversity.edu.ng/content/download/40524... · Enugu State University of Science and Technology, Enugu, Nigeria. ... Academic

ENUGU ZONE ACCOUNTING/BOOK-KEEPING NAME EXAM …

Evaluating the Causes of the Road Failure of Onitsha-Enugu

ONITSHA, ANAMBRA STATE S/N Index Pack No Surname … · S/N Index Pack No Surname Firstname 1 Onitsha/18/Nov/12/546 UWAEZUOKE EMEKA 2 Onitsha/18/Nov/12/546 UJUJU UCHE 3 Onitsha/18/Nov/12/546

Factors Affecting Plastic Waste Management in Enugu Metropolis, Enugu State Nigeria

Know enugu 14th edition

ENTERPRENUERSHIP DEVELOPMENT IN ENUGU STATE: ISSUES … › publications › files › 17548_ENTREPRENEURSHIP... · 2016-02-09 · ENTERPRENUERSHIP DEVELOPMENT IN ENUGU STATE: ISSUES

Structure Plan for Onitsha and Satellite Towns

Latest Nigerian Supreme Court Cases | …powered by Legalpedia · Court of Appeal Enugu delivered on the 15th of May 2003. In the High Court of Anambra State sitting at Onitsha, G.N

Lifting The Veil on ENUGU State - #ThinkNigeriaVoteGoodluck

Presentation on infrastructural facilities and amenities in enugu

Assessment of the Suitability of Some Sites for ... aquaculture development in the Onitsha sub-basin, Anambra State, Nigeria using GIS methods. Onitsha was selected for this study

onitsha hydro power plant

Problems and Prospects of Pineapple Production in Enugu

Enugu Cenotaph Project by Kosi Emmanuel Chukwujindu

URBAN PLANNING PROBLEMS IN NIGERIA: A CASE OF ONITSHA

The Iva Valley Shooting at Enugu Colliery, Nigeria

Prioritizing Residential Land Value Determinants in … land values in Onitsha, Anambra State of Nigeria. By using regression analysis, the 13 main factors shaping land values in Onitsha

1 IGBO STUDIES: FROM THE PLANTATIONS OF WEST ......Igbo dictionary by 1840. 2. Onitsha/Isuama Studies Period (1857-1900) In 1857, the seat of Igbo studies shifted to Onitsha, in Igboland,

Know enugu 17th edition

THE ROLE OF RADIO IN THE DEVELOPMENT OF ONITSHA NORTH LOCAL … MAIN.pdf ·  · 2015-08-28THE ROLE OF RADIO IN THE DEVELOPMENT OF ONITSHA NORTH LOCAL GOVERNMENT BY AKOSA CYNTHIA

UNIVERSITY OF NIGERIA, ENUGU CAMPUS DEPARTMENT OF …

ANALYSIS OF HOUSING DEMAND IN ENUGU METROPOLIS, …

Presentation enugu

My Name Is Obi Asika Born in Lagos, Nigeria. D.O.B - October 3, 1968. LGA: Onitsha North Traditional Title: Ojinnaka (Ancient Ozo Title From Onitsha) OBODOECHINA

12 gates of influence (nccf enugu state)

Original Article Iron Deficiency Among Non‑Anemic Under ...€¦ · Department of Pediatrics, Enugu State University Teaching Hospital, Parklane, Enugu, Enugu State, Nigeria. E‑mail: