Opinion
Agony Of Bank Customers
In an attempt to establish quality service delivery in Nigerian banks, a former Central Bank Governor, Professor Charles Chukwuma Soludo, launched a most far-reaching and comprehensive recapitalisation and consolidation of the banking sector.
Twenty-five banks emerged after the consolidation. Two positive effects of the restructuring are the banking industry enjoyed a lot more confidence from both local and the international community and it experienced exponential growth in Africa.
Prior to the recapitalisation in 2005, Nigeria had 89 banks which when aggregated were no match for a bank in South Africa. But after the transformation, some of the banks became stronger and were found among the top 100 in Africa and the top 1000 globally.
The successful change in the banking sector more than cheered up Nigerians; it was succulent to their ears. Unfortunately, the reformers exonerated quite a number of non-performing aspects of the banks. This has made business transactions with banks a nightmare scenario.
Banking halls are increasingly congested, a development that often relinquishes customers to besotted looks, while long queues exist every single day. As a result, the bank arenas are stuffy, untidy, and choky as the air conditioners are generally ineffective.
Queues are exceedingly lengthy in a manner that incapacitates queue markers in the halls. Contour-like lines extending beyond the banking halls to the outside are observable, thus creating unprecedented frustration for customers and exposing them to risk.
Indeed, time-wasting in our banks has assumed a professed and accepted norm such that many persons lose their jobs or come close to that as such employees are mostly accused by their employers of using the long wait in line as a pretext to engage in their private concerns.
Transfers are as slow as a stopping train; customers still encounter serious complications with system time-out, and withdrawals (either through ATMs or across the counter) are a phantasm. Undue delays associated with credit processing and account opening cause hapless customers to be up in arms over the ugly situation.
A simple cash deposit takes more than an age to transact. As if that is not harrowing enough, some of them exhibit the unprofessional conduct of cutting short their banking hours usually on the last day of the month to run end of month processing.
Then most banks are understaffed. Consequently, the few workers on hand get saddled with jobs meant for persons almost thrice their number. This is remarkably obvious when staff are suddenly redeployed to duty lines other than their regular services to clientèle.
Service delivery at Automated Teller Machines (ATMs) is yet another horrible ordeal which can only be compared with the unsalutary experience of one who lies under the weight of an incubus. There are strings of queues making it hard for withdrawals to be effected. While some ATMs display an out-of-service message on their monitors, others are unable to dispense cash because of poor network services.
Surprisingly, in the midst of the gross inefficiency, banks keep declaring mind-boggling figures as profits and deposits at the expense of their customers. One expects that beyond the pronouncements of prodigious and attractive figures, what the banks should have as a competitive edge over their competitors to guarantee market dominance is how efficient their service delivery is and how customer-friendly they are.
As it is, the misdemeanour of bank workers strikes hapless customers as unbecoming and unlovable. It is an attempt to discredit the familiar aphorism that “the customer is king”. It seems in this case that the customers are irrelevant while the bank officials act like a king. Then the gains derivable from the laudable reformation and consolidation of the sector have been rubbished.
Given all the constraints, can it be said that Nigerian banks have sustained the goals of Soludo’s reform initiative? Can it be said that the capacity of banks in the country to develop the economy has been enlarged? Has the distress syndrome been eliminated or reduced?
Although the banks may have achieved a good few of the objectives of the reforms as they possibly can, effective service delivery and good customer relations which should be the nitty-gritty of any transformation in that sector have remained unattained. It is an indication that Nigerian banks, despite their deceitful advertisements and perception management, only pay lip service to “best practices” in 21st-century banking.
Arnold Alalibo
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Quote: “A nation’s health system is not measured by promises made, but by the quality of care available to its people when they need it most.” mm
Every year on April 7, Nigeria joins the rest of the world in commemorating World Health Day, a day dedicated to reflecting on global health challenges and strengthening healthcare systems. The occasion, which marks the anniversary of the establishment of the World Health Organization (WHO), is often accompanied by speeches and policy declarations highlighting government efforts in the health sector. This year was no different. The Minister of State for Health and Social Welfare, Iziaq Adekunle Salako, reaffirmed the commitment of President Bola Ahmed Tinubu’s administration to improving healthcare delivery. Across the states, governments showcased their interventions, with Governor Siminalayi Fubara reiterating efforts to position Rivers State as a health tourism hub. While such declarations may inspire hope, they also raise an important question: how much of this commitment is reflected in the daily realities of ordinary Nigerians?
Despite years of promises and reforms, the nation’s health sector remains burdened by structural deficiencies, inadequate funding, and policy inconsistencies. The result is a system struggling to meet the needs of a growing population. One of the most pressing challenges is the continued migration of healthcare professionals. Doctors, nurses, pharmacists, and other skilled personnel are leaving the country in large numbers in search of better remuneration, improved working conditions, and greater career opportunities abroad. This persistent brain drain has widened the gap between available healthcare workers and the population they serve. With too few professionals left to cater for millions of Nigerians, hospitals are overstretched, waiting times are longer, and the quality of care is often compromised. Rural communities suffer the most, as many health facilities lack qualified personnel, forcing residents to travel long distances for basic medical attention.
Closely linked to this challenge is inadequate funding. For decades, budgetary allocations to health have remained below internationally recommended levels. Consequently, many public hospitals operate with obsolete equipment, poor infrastructure, and shortages of essential medicines. In several facilities, healthcare workers are compelled to improvise under difficult conditions, reducing the effectiveness of service delivery. The high cost of healthcare is another major concern. With only a small percentage of Nigerians covered by health insurance, most citizens pay for medical services directly from their pockets. For many households already grappling with economic hardship, healthcare expenses can be overwhelming. As a result, people often delay treatment, resort to self-medication, or seek help from unregulated providers, worsening health outcomes and deepening poverty.
Healthcare inequality between urban and rural areas further compounds the crisis. While major cities generally have better-equipped hospitals and a higher concentration of medical professionals, many rural communities are served by underfunded or non-functional primary healthcare centres. This imbalance leaves millions of Nigerians without access to quality healthcare and reinforces existing social and economic disparities. Industrial disputes have also become a recurring challenge. Strikes by healthcare workers, often triggered by unpaid salaries, inadequate welfare packages, and poor working conditions, continue to disrupt services and put lives at risk. The recent suspension of a nationwide strike by the National Association of Resident Doctors over salary arrears, hazard allowances, and residency training funding once again highlighted unresolved issues within the sector.
Another serious concern is the proliferation of counterfeit and substandard drugs. Weak regulatory enforcement allows fake medicines to find their way into the market, undermining treatment outcomes and endangering lives. Tackling this menace requires stronger oversight, stricter sanctions, and improved coordination among relevant agencies. Addressing these challenges demands more than ceremonial speeches or periodic interventions. Healthcare is not a luxury; it is a fundamental component of national development. A healthy population is essential for economic productivity, social stability, and sustainable growth. The theme of this year’s World Health Day, “Together for Health: Stand with Science,” underscores the importance of evidence-based policymaking and investment in innovation. Advances in medical science, digital health technology, vaccines, and diagnostics have transformed healthcare globally.
Nigeria must position itself to benefit from these innovations through increased investment in research, technology, and partnerships involving government, academia, and the private sector. More importantly, there must be sustained political will to implement reforms. The Federal Government should increase budgetary allocations to health, strengthen institutions, and ensure effective implementation of healthcare policies. State governments must also recognize their responsibility in delivering quality healthcare and invest accordingly. Retaining healthcare professionals should be a top priority. Better remuneration, improved working conditions, opportunities for career advancement, and incentives for service in rural communities would help reduce the exodus of skilled personnel. Expanding health insurance coverage is equally critical to reducing out-of-pocket expenses and making healthcare more accessible to vulnerable populations.
Strengthening primary healthcare is another urgent necessity. As the first point of contact for most Nigerians, primary healthcare centres must be adequately equipped, properly staffed, and effectively managed. Investments at this level would improve health outcomes, reduce pressure on tertiary hospitals, and bring healthcare closer to the people. Ultimately, the condition of a nation’s health sector reflects its priorities. A government genuinely committed to the welfare of its citizens cannot afford to treat healthcare as an afterthought. As Nigerians mark World Health Day, attention must shift from rhetoric to action. The challenges facing the sector are well known, and the solutions are within reach. What is needed now is bold, sustained, and sincere commitment to reform. The health and wellbeing of millions of Nigerians depend on it.
2): At 59, Rivers’ Agropotential Lost?
Sylvia ThankGod-Amadi
Quote: “No society can sustainably prosper when it neglects the sector that feeds its people, creates jobs, powers industries, and secures its future.”
As Rivers State marks 59 years of its creation, there is every reason to celebrate its achievements in politics, infrastructure, commerce, education, and human capital development. Yet, amid the celebrations, one critical question demands attention: what has become of agriculture, once a major pillar of the state’s economy? Before crude oil became dominant, farming, fishing, and livestock production sustained livelihoods across communities such as Etche, Ikwerre, Ahoada, Ogba, Abua, Kalabari, Andoni, Opobo, Khana, Gokana, and Tai. Families depended on proceeds from cassava, yam, cocoyam, maize, vegetables, oil palm, fish, and other agricultural products to fund education, support households, and drive local commerce. Recognising agriculture’s importance, successive governments introduced programmes aimed at increasing food production and modernising farming.
Investments were made in extension services, fish farming schemes, livestock development, youth empowerment initiatives, and farm settlements. One notable intervention was the Songhai Farms project in Bunu-Tai, established to train young people in modern integrated farming and agribusiness. Governments also distributed improved seedlings, fertilisers, fishing equipment, and supported cooperative societies to encourage productivity and value addition. Despite these efforts, the outcomes have largely fallen short of expectations. Many projects suffered from inadequate funding, poor implementation, or policy discontinuity. Programmes launched by one administration were often abandoned by another, resulting in wasted resources and unrealised goals. At the same time, the dominance of oil revenue reduced interest in agriculture.
As opportunities expanded in the oil and gas sector, many young people abandoned farming, which gradually became associated with hardship and poverty rather than prosperity. Environmental challenges further weakened the sector. Oil spills, gas flaring, flooding, erosion, and pollution have damaged farmlands, rivers, and creeks across the state. Communities that once relied heavily on farming and fishing have seen productivity decline due to ecological degradation. These challenges continue to discourage investment and limit agricultural growth. Today, Rivers State faces a troubling paradox. Despite its vast arable land, abundant water resources, favourable climate, and large consumer market, it relies heavily on food supplies from other parts of Nigeria. Tomatoes, rice, vegetables, fish, and poultry products consumed in local markets are often transported from distant states. This dependence exposes the state to rising transportation costs, inflation, supply disruptions, and food insecurity.
Whenever insecurity, flooding, or fuel price increases affect transportation networks, food prices in Rivers State rise sharply, placing additional pressure on households. These realities highlight the urgent need for an agricultural renaissance. At 59, Rivers State must relaunch agriculture not as a political slogan but as a strategic economic priority. Such a relaunch should begin with a comprehensive agricultural master plan that transcends political administrations. Agriculture requires consistency and long-term commitment, since farmers invest over seasons rather than election cycles. Youth participation must be central to this new vision. Modern agriculture is increasingly driven by technology, mechanisation, innovation, and entrepreneurship. Greenhouse farming, aquaculture, poultry production, food processing, hydroponics, and agritech solutions have transformed agriculture into a profitable business globally.
Rivers State can establish agricultural incubation centres where young people receive training, access to land, start-up support, and mentorship, thereby creating a new generation of agripreneurs while tackling unemployment. Access to affordable finance is equally important. Many farmers struggle to secure credit because of stringent lending conditions. Government can partner with financial institutions to create specialised agricultural financing schemes offering low-interest loans and flexible repayment options. Strengthening cooperatives would also improve farmers’ access to resources, markets, and modern inputs. Infrastructure development remains critical. Good road networks linking rural communities to urban markets would reduce transportation costs and post-harvest losses. Investments in storage facilities, cold rooms, processing centres, and rural electrification would improve productivity and profitability.
Particular attention should be given to aquaculture. With its extensive rivers, creeks, wetlands, and coastline, Rivers State has enormous potential to become a major fish-producing hub, creating jobs and reducing dependence on imports. The oil palm subsector also presents significant opportunities. Before the oil boom, the Niger Delta was renowned for palm oil production. Revitalising plantations and supporting smallholder farmers can stimulate agro-industrial development, increase export earnings, and strengthen rural economies. Beyond economic gains, agricultural revitalisation offers important social benefits. Increased food production can lower food prices and improve nutrition. Job creation can reduce poverty, youth restiveness, and rural-urban migration. Agriculture also supports a wide range of value-chain activities, including transportation, processing, packaging, marketing, and equipment maintenance, creating multiplier effects throughout the economy.
Communities where young people are productively engaged are generally more stable and secure. Food security has become an increasingly urgent national concern. Recent economic challenges and inflationary pressures have exposed the risks of relying heavily on food supplies from distant locations. A state that can feed itself is better positioned to withstand economic shocks and uncertainties. As Rivers State celebrates its 59th anniversary, the occasion should inspire renewed commitment to agricultural development. The state possesses the land, water, climate, manpower, and market needed for success. What remains is the political will, strategic planning, and sustained investment required to unlock these potentials. The future prosperity of Rivers State cannot depend solely on oil revenues whose fortunes fluctuate with global market forces. Diversification is no longer optional; it is an economic necessity.
Fifty-nine years after creation, the message is clear: Rivers State must return to the land—not as a retreat to the past, but as a bold investment in a more secure, prosperous, and sustainable future. Agriculture remains one of the surest pathways to food security, employment generation, inclusive growth, and economic resilience. The seeds of that future already exist in our soil. What is needed now is the collective determination to cultivate them.
Quote: “No society can sustainably prosper when it neglects the sector that feeds its people, creates jobs, powers industries, and secures its future.”
As Rivers State marks 59 years of its creation, there is every reason to celebrate its achievements in politics, infrastructure, commerce, education, and human capital development. Yet, amid the celebrations, one critical question demands attention: what has become of agriculture, once a major pillar of the state’s economy? Before crude oil became dominant, farming, fishing, and livestock production sustained livelihoods across communities such as Etche, Ikwerre, Ahoada, Ogba, Abua, Kalabari, Andoni, Opobo, Khana, Gokana, and Tai. Families depended on proceeds from cassava, yam, cocoyam, maize, vegetables, oil palm, fish, and other agricultural products to fund education, support households, and drive local commerce. Recognising agriculture’s importance, successive governments introduced programmes aimed at increasing food production and modernising farming.
Investments were made in extension services, fish farming schemes, livestock development, youth empowerment initiatives, and farm settlements. One notable intervention was the Songhai Farms project in Bunu-Tai, established to train young people in modern integrated farming and agribusiness. Governments also distributed improved seedlings, fertilisers, fishing equipment, and supported cooperative societies to encourage productivity and value addition. Despite these efforts, the outcomes have largely fallen short of expectations. Many projects suffered from inadequate funding, poor implementation, or policy discontinuity. Programmes launched by one administration were often abandoned by another, resulting in wasted resources and unrealised goals. At the same time, the dominance of oil revenue reduced interest in agriculture.
As opportunities expanded in the oil and gas sector, many young people abandoned farming, which gradually became associated with hardship and poverty rather than prosperity. Environmental challenges further weakened the sector. Oil spills, gas flaring, flooding, erosion, and pollution have damaged farmlands, rivers, and creeks across the state. Communities that once relied heavily on farming and fishing have seen productivity decline due to ecological degradation. These challenges continue to discourage investment and limit agricultural growth. Today, Rivers State faces a troubling paradox. Despite its vast arable land, abundant water resources, favourable climate, and large consumer market, it relies heavily on food supplies from other parts of Nigeria. Tomatoes, rice, vegetables, fish, and poultry products consumed in local markets are often transported from distant states. This dependence exposes the state to rising transportation costs, inflation, supply disruptions, and food insecurity.
Whenever insecurity, flooding, or fuel price increases affect transportation networks, food prices in Rivers State rise sharply, placing additional pressure on households. These realities highlight the urgent need for an agricultural renaissance. At 59, Rivers State must relaunch agriculture not as a political slogan but as a strategic economic priority. Such a relaunch should begin with a comprehensive agricultural master plan that transcends political administrations. Agriculture requires consistency and long-term commitment, since farmers invest over seasons rather than election cycles. Youth participation must be central to this new vision. Modern agriculture is increasingly driven by technology, mechanisation, innovation, and entrepreneurship. Greenhouse farming, aquaculture, poultry production, food processing, hydroponics, and agritech solutions have transformed agriculture into a profitable business globally.
Rivers State can establish agricultural incubation centres where young people receive training, access to land, start-up support, and mentorship, thereby creating a new generation of agripreneurs while tackling unemployment. Access to affordable finance is equally important. Many farmers struggle to secure credit because of stringent lending conditions. Government can partner with financial institutions to create specialised agricultural financing schemes offering low-interest loans and flexible repayment options. Strengthening cooperatives would also improve farmers’ access to resources, markets, and modern inputs. Infrastructure development remains critical. Good road networks linking rural communities to urban markets would reduce transportation costs and post-harvest losses. Investments in storage facilities, cold rooms, processing centres, and rural electrification would improve productivity and profitability.
Particular attention should be given to aquaculture. With its extensive rivers, creeks, wetlands, and coastline, Rivers State has enormous potential to become a major fish-producing hub, creating jobs and reducing dependence on imports. The oil palm subsector also presents significant opportunities. Before the oil boom, the Niger Delta was renowned for palm oil production. Revitalising plantations and supporting smallholder farmers can stimulate agro-industrial development, increase export earnings, and strengthen rural economies. Beyond economic gains, agricultural revitalisation offers important social benefits. Increased food production can lower food prices and improve nutrition. Job creation can reduce poverty, youth restiveness, and rural-urban migration. Agriculture also supports a wide range of value-chain activities, including transportation, processing, packaging, marketing, and equipment maintenance, creating multiplier effects throughout the economy.
Communities where young people are productively engaged are generally more stable and secure. Food security has become an increasingly urgent national concern. Recent economic challenges and inflationary pressures have exposed the risks of relying heavily on food supplies from distant locations. A state that can feed itself is better positioned to withstand economic shocks and uncertainties. As Rivers State celebrates its 59th anniversary, the occasion should inspire renewed commitment to agricultural development. The state possesses the land, water, climate, manpower, and market needed for success. What remains is the political will, strategic planning, and sustained investment required to unlock these potentials. The future prosperity of Rivers State cannot depend solely on oil revenues whose fortunes fluctuate with global market forces. Diversification is no longer optional; it is an economic necessity.
Fifty-nine years after creation, the message is clear: Rivers State must return to the land—not as a retreat to the past, but as a bold investment in a more secure, prosperous, and sustainable future. Agriculture remains one of the surest pathways to food security, employment generation, inclusive growth, and economic resilience. The seeds of that future already exist in our soil. What is needed now is the collective determination to cultivate them.
Quote: “A clean environment is not a government gift; it is a civic duty that protects our health, preserves our cities, and reflects our national character.”
For many Nigerians who grew up in the 1980s, 1990s, and early 2000s, the last Saturday of every month followed a familiar pattern. Roads were deserted, markets closed, and residents swept compounds, cleared gutters, cut overgrown weeds, and disposed off refuse. The monthly environmental sanitation exercise became a national ritual that promoted cleanliness, discipline, and civic responsibility. As an environment correspondent about two decades ago, I joined officials of the Rivers State Ministry of Environment on sanitation monitoring tours across Port Harcourt and surrounding communities. Although enforcement officers were sometimes accused of excesses, the exercise succeeded in creating public awareness about the importance of keeping our surroundings clean. Over time, however, the practice faded away in many states.
In its absence, indiscriminate dumping of refuse, blocked drainages and environmental neglect became increasingly common. Today, heaps of waste line roads, markets and motor parks, while gutters clogged with plastics contribute to perennial flooding. Given the mounting environmental challenges facing Nigerian cities, there is no better time to revive environmental sanitation. Its return is no longer a matter of nostalgia; it is a practical necessity for public health, environmental safety, and sustainable development. Poor sanitation remains a major cause of disease. Stagnant water and uncollected waste create breeding grounds for mosquitoes, flies and rodents, increasing the risk of malaria, cholera, typhoid and other infections. Floodwaters contaminated by refuse also expose communities to serious health hazards.
Rapid urbanisation has worsened the situation. Cities such as Lagos, Port Harcourt and Abuja are expanding faster than their waste management systems can cope. As populations grow, so does the volume of waste generated daily. Monthly sanitation exercises can help rebuild environmental consciousness. Beyond cleaning streets, they remind citizens that environmental cleanliness is a shared responsibility. They also offer an opportunity to educate children and young people about hygiene, public health and community participation. Critics argue that the old sanitation policy restricted movement and was sometimes abused by security personnel. Those concerns were valid, but they do not invalidate the concept itself. Rather than abandon it, governments should reform the programme to make it more humane, participatory and transparent.
That is why the recent decision by the Lagos State Government to reintroduce monthly sanitation deserves commendation. Even if participation is largely voluntary, the move sends a strong signal that environmental responsibility must be taken seriously. Other states should emulate this initiative. In Rivers State, the Rivers State Waste Management Agency has intensified efforts to improve waste collection and restore Port Harcourt’s reputation as the Garden City. Reintroducing monthly sanitation would complement these efforts and deepen public involvement. At the federal level, policies such as the Digital Waste Marketplace, the Plastic Waste Policy and the National Waste Management Network are commendable. However, environmental sanitation remains one of the most direct and visible ways to mobilise citizens toward cleaner communities.
The exercise, however, must be supported by efficient waste management infrastructure. Citizens cannot be expected to maintain clean surroundings if there are inadequate waste bins, irregular refuse collection, and limited recycling facilities. Governments at all levels should invest in modern waste management systems, properly fund sanitation agencies, and promote recycling programmes. Waste sorting should become standard practice to reduce the volume of refuse ending up in landfills and drainage channels. Countries such as Singapore, Sweden and South Korea have demonstrated that waste can become a valuable economic resource. Recycling industries in these countries create jobs while protecting the environment. Nigeria can adopt similar strategies and turn waste into wealth.
Environmental laws must also be enforced consistently. Regulations against illegal dumping exist in many states but are rarely implemented. Offenders should face penalties, but enforcement must be fair and free from extortion. Urban planning is another critical factor. Poor drainage systems, overcrowding and inadequate sewage infrastructure worsen sanitation problems. Governments must prioritise road construction, drainage maintenance and orderly urban development. Markets deserve particular attention. They generate enormous quantities of waste every day, yet many lack organised disposal systems. Local councils and market associations should work together to establish effective waste collection arrangements in commercial centres. Religious institutions, schools, traditional rulers and civil society groups also have important roles to play.
Environmental responsibility should be taught and reinforced as a social value. Community leaders can help change attitudes by consistently promoting cleaner habits. This issue is even more urgent in an era of climate change. Flooding, erosion and extreme weather events are already threatening many Nigerian communities. Poor waste disposal worsens these challenges by blocking waterways and reducing urban resilience. A clean environment also offers economic benefits. Well-maintained cities attract investors, tourists and businesses. Reduced disease outbreaks lower healthcare costs and improve productivity among workers and students. More importantly, cleanliness reflects national values. A nation that allows public spaces to deteriorate projects an image of disorder and neglect. Nigerians deserve cleaner streets, healthier neighbourhoods and safer communities.
Reviving environmental sanitation will not solve all environmental problems overnight, but it can serve as a powerful starting point. Combined with effective waste management, public education and stronger infrastructure, it can restore environmental consciousness across the country. Ultimately, environmental cleanliness is a shared responsibility. Government must provide leadership, infrastructure and enforcement, while citizens must demonstrate discipline and civic commitment. From disposing of household waste properly to keeping drains free of obstruction, every Nigerian has a role to play. If Nigeria is serious about protecting public health, reducing flooding and building livable cities, the return of monthly environmental sanitation is a step whose time has come.
By: Calista Ezeaku
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