FIRSTHOLDCO: REINFORCING ESG, SUSTAINABILITY INITIATIVES AS IT REBRANDS
By A.Ezekiel
In a world where approximately 20% of new businesses fail within the first two years, 45% within five years, 65% within ten years, and only 25% make it to 15 years or more (according to the US Bureau of Statistics), any business that has crossed 15 years should be sharing insights on survival and success.
But what about businesses that have lasted twice that long? Or a financial services group that has thrived for over 130 years, especially in Africa, where business survival rates are likely lower than those statistics from the Global North? Such a group has certainly earned the right to teach masterclasses on business longevity.
First HoldCo Plc (FirstHoldCo), recently rebranded from FBN Holdings Plc, exemplifies sustainable business practices. A well-diversified group, it is one of Africa’s largest financial services organisations, offering innovative financial solutions through its subsidiaries in commercial banking, asset management, capital markets, securities, trusteeship, and insurance brokerage. FirstHoldCo ensures strategic coordination and synergy among its subsidiaries to deliver long-term value for stakeholders.
Retaining the legacy strengths and experience of FBN Holdings Plc, FirstHoldCo ensures that its subsidiaries enhance positive environmental, social, and governance (ESG) impacts while minimising or eliminating negative ones. This includes managing ESG risks in the workplace, marketplace, community, and environment, with the institutional capability to turn risks into opportunities.
For example, ESG risk management enhances credit and investment decision-making, de-risking processes for subsidiaries such as FirstBank and FBNQuest. It also strengthens social relationships with the communities in which these subsidiaries operate.
ESG and sustainability may be buzzwords for some corporations seeking to appear politically correct, but at FirstHoldCo, they are integral to its identity. The company is self-driven in aligning its strategy and operations with ESG principles and setting new sustainability benchmarks for financial services in Nigeria.
FirstHoldCo’ s flagship subsidiaries, FirstBank and FBNQuest, integrate ESG risks into their products, services, and offerings from the ideation stage through to development and launch. This approach drives responsible lending and investment practices, enabling the group to leverage ESG market opportunities while promoting sustainable socio-economic growth.
FirstHoldCo also prioritises people empowerment, fostering a work environment rooted in equal opportunities, diversity, and inclusion. A notable achievement is bridging the diversity gap, reaching a 40% female to 60% male employee ratio in 2023, one year ahead of its 2024 target.
The group also supports the communities where its subsidiaries operate, ensuring its impact resonates positively. Since 2017, it has implemented the SPARK (Start Performing Acts of Random Kindness) initiative and Corporate Responsibility and Sustainability (CR&S) Week. In 2023, these initiatives impacted 60,000 lives through outreaches to 60 orphanages, 20 schools, and hospitals across Nigeria, Ghana, Senegal, The Gambia, the Democratic Republic of Congo, Sierra Leone, and the United Kingdom. Donations included consumables, computers, clean water projects, school renovations, wheelchairs, and cash. Employees committed over 27,000 volunteer hours to these initiatives.
In 2023, FirstBank reinforced its commitment to empowering women through FirstGem, a financial product supporting women-led businesses. Over N36 billion in loans were disbursed at a single-digit interest rate of 9%. Additionally, its Agency Banking business, FirstMonie, expanded its female agent network to over 55,000.
Inclusion remains a key focus, with FirstBank enhancing accessibility for physically challenged customers in 234 locations, making 25 branches fully accessible and improving access at 209 others. It also expanded the SPARK initiative to institutions like the Bethesda School of the Blind and the Down Syndrome Foundation in Lagos.
FirstBank operates an Environmental, Social, and Governance Management System (ESGMS) to drive responsible lending and minimize ESG risks. In 2023, this system was enhanced to ensure real-time transparency in corporate credit screenings. That year, 2,239 credit transactions worth N4.236 trillion were assessed for ESG risks.
To strengthen ESG compliance, FirstBank collaborates with development partners such as British International Investment, the African Development Bank, the International Finance Corporation (IFC), and Proparco, a French development finance institution. Its partnership with Proparco is crucial for integrating climate initiatives into business strategy. This project enhances its understanding of financed emissions and positions it for climate financing and investment opportunities.
This initiative will help FirstBank reduce greenhouse gas (GHG) emissions, mitigate exposure to physical and transition risks, and strengthen climate adaptation efforts. It also reinforces its market competitiveness as an ESG leader committed to a low-carbon economy.
As part of its commitment to decarbonisation, FirstHoldCo’ s FirstBank actively engages in reforestation and afforestation through partnerships focused on carbon dioxide (CO2) removal. In 2023, it pledged to plant 50,000 trees by 2025 in collaboration with the Nigerian Conservation Foundation (NCF). That year, it planted 1,000 trees at the Lekki Conservation Centre, Lagos; Model Secondary School, Maitama, Abuja; and Federal Government Girls College, Calabar. By the following year, it had planted an additional 30,000 trees, bringing the total to 31,000.
FirstBank also drives thought leadership in climate finance, promoting knowledge on carbon mitigation and climate adaptation. A notable effort was a webinar themed ‘Harnessing Climate Finance Opportunities in Nigeria,’ held in partnership with the Sustainability Practitioners Institute of Nigeria (SPIN). The event featured prominent ESG and sustainability experts such as Professor Kenneth Amaeshi, Dr. Muntaqa Umaru-Sadiq, and Carina Dunker, underscoring FirstBank’s commitment to advancing climate finance discussions.
With so much achieved and ongoing ESG/sustainability initiatives, what is the greatest impact of ESG at FirstHoldCo?
For the group, it is the net positive effect on the communities where its subsidiaries operate. For individuals, it is the tangible benefits from its financial solutions and CSR initiatives. For businesses, it is the sustainable practices FirstHoldCo champions, setting a standard for responsible corporate leadership
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for as well. It’s simply as important – if not more so
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Then you’re either losing fat slower than you have to
be (which will simply extend the method for no good reason), or
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They are what will account for almost all of your bulking
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Whereas intermittent fasting is popular these days, don’t do it when you
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If you want something simple post-workout, grab one of these 7 Best Meal Alternative Bars – we’ve got
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supported by sufficient protein intake (1.6–2.zero grams per kilogram of body weight).
The very first thing to ask yourself before beginning a 6-day coaching cut up
is, does this strategy match your training goals?
6-day workout splits are used primarily by bodybuilders looking to construct muscle mass.
In regards to muscle growth, some might claim a dirty bulk has higher results on this
entrance. The solely means this is true is that if the clean bulker isn’t really consuming enough
due. Soiled bulkers really don’t have this issue as a outcome of they are assured to be in a calorie surplus.
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other week or two of progress to make and also you don’t really
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You have to adapt to changes in your physique and your life.
This adaptability could make a big distinction in your total success.
Moreover, knowing you have a 12 months to work can cut back strain. If you
miss a workout or a meal, it’s not the end of
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The finest workout plan for bulking focuses on compound movements, progressive
overload, and constant coaching 3–6 days per week.
It emphasizes a slight caloric surplus (200–500
calories daily) to promote muscle development while minimizing fats achieve.
Tracking progress is crucial to make sure the plan is effective.
The second half of the program is all about maximizing measurement with barely greater reps and an emphasis on intensity.
Rep ranges move up to for most workout routines, which is
good for selling muscle hypertrophy (growth).
Referred To As pre-exhaustion, this system dramatically increases workout depth.
(For example, for chest the dumbbell flye hits the pecs immediately, so your triceps shouldn’t find yourself being
the weak hyperlink and trigger the termination of the set through the bench press).
Whether you select heavy weight training, high depth
training, or cardio will have an impact on how effectively you obtain your health
objectives. Hold studying to find out how one can finest gain muscle with out accruing fats or lose physique fats with out experiencing an extreme amount of muscle loss.
To summarize, these five bodyweight actions provide a
superb full physique workout and help build muscle as properly as practical
power. While dips and push-ups work the upper physique
pushing muscle tissue like chest, triceps and
shoulders, pull-ups are a great back and builder.
Sprints obviously enhance decrease body and cardiovascular energy.
5-day exercise splits can be extremely good for constructing muscle when you program them correctly.
You can optimize your bulking food regimen for muscle growth and efficiency by monitoring your
macros. Not all energy are equal; eating
a certain number of energy from protein won’t gas the same processes in your body as energy
from carbs or fat. A smart bulk will not hurt you,
but gaining weight too rapidly or eating large amounts of unhealthy meals may be detrimental to some
well being markers. Beginner positive aspects
are a fact, and beginners often see nice results
from regular weight training and a healthy diet.
If you have certain medical circumstances,
like coronary heart disease, diabetes, and hypertension, it’s a good idea to talk to your physician earlier than bulking
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Keep consuming and keep grinding, and by the point next summer time rolls round,
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than good throughout the complete process, and looking nice
at the finish of it. Proceed to watch progress in this method all through the length of your chopping
part and modify when/if wanted to make sure weight loss continues to
happen on the ideal price.
Your BMR is an estimate of the total energy burned a day, whereas in a
state of relaxation. I spent four years of faculty working out 5 days every week for 90 minutes
a day trying to get larger. Though I thought I had recognized it all (I had been coaching for
six years in a gym! I read the muscle mags! I was in good condition already!), I nonetheless took the free classes for
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It is appropriate for all fitness levels; whether or
not you’re a male or feminine, beginner or pro, you’ll find a way to
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Maintain your knees barely bent throughout the movement,
specializing in a full range of movement and getting
a good stretch on the backside. In 2018 a model new Ronnie Coleman movie was
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You get to see the downs of his back crippling damage, the ups
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Plus, going to the fitness center too usually can turn out to be robust mentally
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opposite three days!
In just one month you’ll look bigger and really feel higher with this all-out power assault.
It takes effort, dedication and a strong plan that covers all bases.
You have to commit to the journey and stay the life absolutely.
For this cause I stick with the proven complement, creatine monohydrate.
If you’re lifting heavy, and consuming sufficient, make sure you’re also getting sufficient sleep!
5-6 hours an evening isn’t going to cut it – you should get
at least 8-9 hours of sleep per night for optimal muscle-building.
Now, this only works when you have plenty of fats stores
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If you’re new to train or haven’t trained in well over three months we’d suggest you
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If you conquered Week 1, get able to elevate your recreation. This week focuses on extra units, reps, and strategic
relaxation for an intensified bulking journey.
Let’s delve into the major points of this week’s routine designed to propel
your features to the next stage. “Remember, we weren’t training to really box three-minute rounds, but to drop physique fat and add most muscle bulk in a relatively quick area of time,”
says Thurston.
Slowly work up in weight, performing a number of mild warmup sets.
Chris places plenty of emphasis on shoulder
press strength in the offseason. Note that day 4 is a rest day, so we aren’t including much info here.
With the 6-day training split, you might have plenty of time to
dedicate to every muscle group, so you possibly can accumulate plenty of hypertrophic (muscle building) training volume.
It’s generally accepted that for growth, you want to
do units per muscle group per week (1). In reality, for beginners and intermediate lifters, four workout
days per week is actually the most ideal for building muscle and power.
It lets you hold the depth of your exercises excessive
and get adequate restoration in-between classes, which is the
right recipe.
In truth, things like inverted rows, chin-ups,
pull-ups, dips, push-ups, lunges, and so forth.
are all unbelievable exercises that will assist you put on muscle.
As we cowl in our “How to build muscle” article, here’s a pattern routine you presumably
can observe NOW to begin bulking up. I realized that gyms usually are not a requirement for constructing muscle and getting stronger, although a fantastic fitness center exercise can certainly speed up the method.
This triggers protein synthesis and result in net muscle
acquire.
Creatine is protected with no identified harmful side effects.7 Some folks experience an upset tummy when they use creatine,
which could be annoying however not dangerous. Taking your
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the day can help minimize the issue. Compound actions should form the muse of your bulking workout routine when you’re seeking to
get massive and powerful.
Usually speaking, you will bulk whenever you need
to build muscle and your physique fat proportion is within the
healthy or lean vary and minimize when your physique
fat share starts to get too excessive. You can learn this
guide to progressive overload if you are curious. But in a
nutshell, for a bulking plan, you’ll be growing depth, which suggests weight load.
You can also mess around with quantity, however as a beginner or intermediate lifter,
simply focusing on growing your weight load if you reach maximum reps
in the given rep range is greatest. While bulking and cardio don’t seem to go collectively, cardio could be carried out in a method that particularly hones
in on fats loss with none muscle loss. Our clean bulk exercise program
under contains this kind of cardio.
If you’re a newbie, it’ll eat you alive – you’d in all probability be better attempting considered one of our much less intense packages to start with.
He holds a journalism degree from the University of North Texas, the
place he competed in powerlifting. His final competition was
the Texas State Open in December of 1982, but has continued to study and
follow muscle strength and hypertrophy. He is a
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workout routines for a particular physique part are compound.
Even although the anterior delts and triceps
come to the get together, the way the Decline DB Press works the
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There isn’t any higher profit in a bulking food plan than taking
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This number can differ up or down, as some individuals
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For example, presses are perfect for your chest, shoulders, and serratus muscles.
Full-body exercise routines are the best default routine for building muscle, especially for newbies.
They were the king of the pre-steroid bodybuilding era,
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That means taking every alternative to be taught extra about the intricacies of
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In just three months you can transform your physique to new heights and construct your
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Failing to move the physique will lead to extra tightness within the muscle tissue and even improve DOMS
chance3. The major mechanism is regarded as that the exercise will
improve the heart fee barely and pump contemporary blood with more oxygen and nutrients to the body.
Many trainees confuse “Rest Days” to mean “Do Nothing”. This is a horrible concept that may considerably hinder your
progress.
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