His Excellency

Mr John Michael Abdul

Deputy Governor of Nasarawa State

SCHOOLS ATTENDED WITH DATES
1. University of Jos, Jos. - 1984 - 1986
2. University of Jos, Jos. - 1979 - 1982
3. School of Preliminary Studies, Keffi - 1977 - 1979
4. Government Secondary School, Wamba - 1973 - 1977
5. R.C.M. Primary School, Ancho - 1966 - 1972


QUALIFICATIONS:
MBA - July, 1986
B.Sc (Management Studies - June, 1982
West Africa School Cert. (WASC) - June, 1977
Primary School Certificate - Dec., 1972


POLITICAL INCLINATION:
. Member of the PDP- Ningha'an ward of Akwanga LGC.
. Sponsor of several PDP candidates into elective offices at ward, LGC, State and        National Assembly.
. PDP Opinion leader in Nasarawa North Senatorial District.
. Strong supporter of the PDP Government in Nasarawa State.
. Strong member of the Mada Council of Elders.

WORKING EXPERIENCE:
March 1997 -Oct.2005: Managing Director/Chief Executive Officer, Lion Bank of Nig Plc.
Responsibilities:
. Member, Board of Directors.
. Member, all Board Sub-Committees - Risk Asset, Finance & General Purpose, Establishment and Corporate Audit.
. Chairman of the following Management Committees:
General Management Committee, Budget Committee,
Quarterly Performance Review Committee, Assets &
Liability Committee.
. Resolution of the day-to-day problems of the Bank.
. Provision of good public relations to the Bank.
. Management of Risk Assets: Establishment of criteria for risk asset creation, identification of good credits, approval or recommendation to Board, monitoring the performance of Risk Assets & Debt Recovery.
. Management of Human Resource: Responsible for motivation, discipline, promotion and training of staff.
. Marketing: Serve as Chief marketing officer of the Bank, Soliciting for new deposits, carry out joint deposit drives with Directors and staff.
. Policy Formulation and Implementation: Establishing working manuals, policy and procedural guidelines and initiation of income and cost policies.
Implementation of all policy decisions by the Board of Directors.


LANDMARK ACHIEVEMENTS AS MD/CEO LION BANK PLC.

. Effective Management and achieving a growth in Total Asset and Liability of N14.824 billion from N1.820 billion.

. Generated adequate Deposit liability, effectively managed the Bank's liquidity and met all Regulatory and Prudential ratios.
. Built an ultra modern Corporate Office in Central Business District Abuja.
. Successful relocation of the Bank's Head Office from Jos to Abuja.
. Acquisition and full implementation of new Banking Application Software (financle).
. Successful linkage of all branches of the Bank on a Wide Area Network and achievement of Online Real Time operations.
. Successful completion of two terms of 4 years each as MD/CEO and extension of tenure thereafter to see the Bank through the consolidation exercise.
. Successful consolidation of the bank with Diamond Bank plc.

May 1993 - March 1997:  Assistant General Manager Operations and Systems      Division) - Lion Bank of Nigeria Plc, Jos
Responsibilities:
. Reporting to the Managing Director.
. Visiting and supervising all Branches.
. Reviewing Inspection Reports and designing policies to correct identified lapses.
. Liaising with Human Resource Department to ensure bank wide staff redeployment/transfer so as to achieve operational efficiency.
. Reviewing the Bank's operational procedures from time to time and introducing control measures to ensure efficient delivery of services.
. Ensuring the Bank's operations are in compliance with provisions of the Bankers' Tariff and Monetary Policy Guidelines at all times.
. Maintaining a close follow-up with Admin and Control Department to ensure operational documents are made available to branches as at when required so as to enhance overall efficiency.
. Responsible for all data processing functions of the Bank.
. Liaising with Electronic Data Processing contractors and consultants to the Bank and advising the Bank on the most effective and efficient options.
. Advising management on appropriate and effective processing policies and strategies to achieve desired results.
. Periodic review of all systems proposals associated cost/ benefits and advising management as appropriate.
. Responsible for the Bank's Trade Finance functions in the area of documentation, timely processing of all L/Cs and Bills of Collection, Remittances, etc.
. Monitoring of all Foreign Exchange holdings of the Bank and proper reconciliation of same.
. Ensuring proper utilization of FX obtained either through FEM operations or other legitimate sources.
. Initiating and implementing policies to enhance over all effectiveness and efficiency in all the operational departments at Head Office and Branches

June 1992 - April 1993: Senior Manager/Head of Credit & Marketing Division, Lion Bank of Nig Plc.

Responsibilities:
. Reporting to the Managing Director.
. Credit facility initiation, processing, packaging and obtaining appropriate approval and follow-ups, etc.
. Analysis of risk acceptance criteria and providing management with appropriate strategies.
. Maintenance of active presence in the market for participation in syndications.
. Maintenance of proper records of appropriately approved facilities and ensuring collaterals pledged are properly perfected without compromising the bank's position in recovery situation.
. Ensuring facilities are retired in accordance with approved covenants and when necessary arranged work in bail-out situation.
. Effective marketing of bank's products including deposit.
. Coordinating credit activities in Branches.
. Re-appraisal of credit commitments from branches and making appropriate recommendation to management.
. Preparing credit commitment summaries for Board meetings.
. Preparing quarterly returns on bank wide risk assets.
. Monitoring of branches' risk assets and issuing queries or offering suggestions and advices as appropriate.
. Collation of Branches' responses to external auditors' exceptions on risk assets.
Responsible for the discipline, training and promotion of staff in the department.

Oct. 1990 - Sep. 1991: Manager/Head of Credit & Marketing Division, Lion Bank of Nig Plc, Jos.
Responsibilities:
Same as schedules handled from June 1992 - April 1993

Sept. 1991 - June 1992: Manager, Jos Branch/Manager Broad Street Branch Lagos
Responsibilities:
. Reporting to General Manager Operations & Systems.
. Understanding all aspects of commercial Bank products.
. Effective supervision of all the departments and units in the Branch - Savings Accounts, Current Accounts, Clearing, Cash, Bills and Credits, Treasury, Credit & Marketing, Systems, Accounts and Reconciliation, Credit Admin, Funds Processing Unit (FPU), Admin & Services, etc.
. Understanding all aspects of Governmental and Management policies and procedures necessary for leadership task and ensuring their efficient implementation.
. Marketing for high net worth individual and blue chip companies.
. Ensuring objective, excellent and articulate credit analysis as the primary attempt towards high quality loan portfolio in the branch.
. Ensuring prompt repayment of facilities granted and recovery of bad debts.
. Ensuring that high level of discipline and productivity are maintained by the staff.
. Ensuring that management information requirements both at branch and Head office levels are efficient through the reporting lines.
. Close monitoring of all General Ledger Accounts maintained by the Branch and ensuring prompt reconciliation of same.
. Responsible for training, discipline, promotion and motivation of all Branch staff

Jan - Oct. 1990: Deputy Manager/Head of Personnel Admin. & Services
Responsibilities:
. Reporting to the Managing Director.
. Recruitment and placement of staff.
. Salary administration.
. Health and welfare.
. Industrial relations.
. Training.
. Responsible for maintenance of Bank premises and assets.
. Responsible for requisition and keeping of proper and effective inventory of assets.
. Security of Bank premises and assets.
. Preparing capital budget for H/O and Branches.
. Monitoring and implementation of capital budget bank wide.
. Identifying and liaising with reputable sources for bank's suppliers.
. Printing of cheque books and other security documents.
. Managing the Bank's insurance portfolio.
. General administrative duties e.g. transport management, janitorial services, and utilities
management.
. Coordinating Corporate Affairs and Promotion functions.

1986 - 1989: Credit/Treasury Officer, Lion Bank of Nigeria Plc, Jos
Responsibilities:
. Reporting to the Head of Credit/Treasury.
. Credit facility initiation, processing, packaging and obtaining appropriate approval and follow-ups.
. Analysis of risk acceptance criteria and providing management with appropriate strategies.
. Maintenance of active presence in the market for participation in syndications.
. Creation of quality Risk Assets through sustained marketing drives.
. Maintenance of proper records of approved facilities and ensuring collaterals pledged are properly
perfected without compromising the bank's position in recovery situation.
. Ensuring facilities are retired in accordance with approved covenants.
. Effective marketing of bank's products including deposit.
. Interest rate negotiation on deposits.
. Raising deal slips and confirmation certificates for deposits taken.
. Carrying out customers' instructions on terminations, rollovers, and transfers.
. Maintaining adequate records in respect of all treasury transactions.
. Other duties as assigned by management from time to time.


1984 - 1986: Education Officer III, Plateau State Ministry of Education, Jos
Responsibilities:
. Reporting to the School Principal.
. Subject Teacher - Mathematics & Geography.
. Assistant Games Master.
. Planning and implementation of school time table.
. Serving as duty/class master.
. Counseling of pupils.
Other duties as assigned by the Principal

1983 - 1984: Marketing Officer, Leyland Nigeria Ltd, Ibadan
Responsibilities:
. Reporting to the Marketing Manager.
. Preparation of company's marketing plan for management's approval.
. Marketing of company's products to existing and potential clients.
. Advertisement of company's products.
. Organizing motor shows in selected towns country-wide.
. Exhibition of Leyland Products in Trade Fairs.
. Visiting and inspecting Leyland sales outlets country-wide.
. Conducting periodic research on activities of competitors and advising management as appropriate.

1982 - 1983: National Youth Service Corps/Graduate Trainee, Leyland Nigeria Ltd, Ibadan.
Responsibilities:
. On-the-job training involving job-rotation.
. Special assignments and project works.
. In-plant off the job training courses on
Salesmanship, Human Resource Management, Marketing, Communication, etc.
. Attachment with selected distributors' outlets.
. Other duties delegated from time to time.

AD-HOC ASSIGNMENTS
1. Chairman, Review of Lion Bank Terms and Conditions of Service (1992).
2. Chairman, Committee on Review of Bank's Structure.
3. Chairman, Lion Bank of Nigeria Budget Sessions on several occasions.
4. Member Chartered Institute of Bankers of Nigeria (CIBN) Branch Development Committee (1995 - 1998).
5. Chairman, Implementation Committee for Abuja, Lafia and Akwanga Branches of Lion Bank.
6. Chairman, Committee on Marketing for Public Sector Accounts in Nasarawa State/FCT.

COURSES/SEMINARS ATTENDED
1. 2nd - 20th Nov. 1987: Intermediate Credit Analysis, IMB's Training School, Lagos

2. 13th - 14th Mar. 1989: Nigerian Banks & Small Businesses - Nigerian Chartered Institute of Bankers.

3. 10th - 28th Apr. 1989: Bank Lending and Credit Admin Course - Financial Institution Training Centre (FITC)

4. 3rd - 20th June 1989: three (3) Weeks' Attachment with IMB on Export Credits.

5. 9th - 10th Sep. 1989: New Dimensions to Export Finance - Association of Nigerian Exporters.

6. 4th - 22nd Dec. 1989: Operations Course – Training School, Savannah Bank of Nigeria Ltd.

7. 11th - 15th Jan. 1990: Industrial Relations & Personnel Management - FITC

8. 23rd Jul-9th Aug. 1991: COMFAR Workshop - UNIDO/NNDC.

9. 17th - 19th June 1992: First National Consultation Workshop on Strategies for Financing Small & Medium Scale Enterprises - Federal Ministry of Industries & ILO.

10. 4th - 24th Jul 1992: Trade Finance Law & its Practical Application - EUROMONEY, London

11. 21st - 24th Jul 1992: Secured Lending & Collateral Documentation Workshop POTOMAC Nig. Ltd

12. 26th - 28th Apr 1993: Automatic Currency Processing for Commercial Banks -
Central Bank of Nigeria (CBN)

13. 4th - 6th June 2000: Annual Bank Directors Seminars - FITC at NICON Hotel, Abuja

14. 13th 21st Jul 2000: Strategic Bank Management - BPP Training, UK.

15. 21st - 25th Jan. 2002: Senior Management Dev. Programme - EUROMONEY Horsley Towers, Surrey, London.

16. 17th - 19th Dec. 2002: Financial Negotiation Master Class - EUROMONEY, London

17. 12th - 16th Jan. 2004: Modern Management Skills, London Management Centre,
London

PUBLICATIONS AND PAPERS PRESENTED

1. June, 1982 - Management of Small Scale Industries - A Case Study of Plateau State.

2. June, 1986 - Wholesalers and Retailers – Their Roles in Beer Distribution: A Case Study of Jos International Breweries.

3. Jan., 1989 - The Experience of Lion Bank in Financing Small Scale Industries.(A paper presented at NIPSS, Kuru)

4. June, 1996 - The Roles of Financial Institutions (Banking Sector) in Nation Building.

5. April, 1997 - Establishing and Financing Family Businesses.

6. July 2004 - Bank Consolidation/Mergers in Nigeria.(A paper presented at  CIBN
      Workshop held at Sheraton Hotel and Towers, Abuja)

MEMBERSHIP OF PROFESSIONAL BODIES.
 Member Chartered Institute of Bankers of Nigeria (CIBN)

CURRENT NON EXECUTIVE APPOINTMENTS.
1. Nat. Treasurer, Nigeria Fellowship of Evangelical Students (NIFES)
2. Chairman, Nasarawa Investment & Property Dev. Co.Ltd.
3. Member, Governing Council, Bingham University.
4. Member Governing Council, Jos ECWA Theological Seminary.
5. Chairman Kini Country Guest Inn Limited Akwanga, Nasarawa Stare.
6. Director, Sun Transaction Network.

CUMMUNITY SERVICE.
. Built and donated to Ningha'an Community, a block of eight classrooms(GSS Ningha'an).
. Built  and donated to Ancho Ningha'an Primary School, a block of four classrooms.
. Construction of a 500m literite access road for Kaigbe community in Akwanga LGC.
. Construction of an ultra modern Hotel in Akwanga in support of Nasarawa State Government effort in tourism development in the Sate and creation of employment.


HOBBIES - Traveling and Photography