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On the 27th of February 2020, Nigeria announced its first index case of Covid-19, following this development, amidst other measures that have been put in place to mitigate the spread of the virus the Federal Government of Nigeria (FGN) declared a one-month lock-down in some states to curb the spread of the virus which led to a downward trend in economic activities and slower growth in mature markets while reducing the risk of the spread of the virus.


The Company in response to this activated its business continuity and operation resilience plans to curb any business interruptions and guaranty service delivery to our customers in the midst of lockdown conditions. During the lock down, our customer care channels have stayed open to our clients all day, every day, even as we proceed to adjust our working model to ensure we serve our clients incredibly and securely. We also partnered with the Government by providing life insurance and personal protective equipment to medical professionals across Lagos, Abuja, Ibadan in the fight against Covid-19. We also launched Tremendoc an online app that gives people the opportunity to talk to licensed medical practitioners from the comfort of their homes at no cost to them.


The Company is currently assessing the impact of Covid-19 on its earnings, credit risk exposures, liquidity, solvency, employees, customers and other stakeholders to ensure we can withstand the immediate and knock-on impacts. The International Accounting Standard Board, Financial Reporting Council of Nigeria (FRC), Securities and Exchange Commission (SEC) have all issued pronouncements to guide Entities on disclosures and valuations of Financial Assets. In compliance to this, the Company has put in measures to meet the requirements specified by these bodies e.g. SEC requires Public Entities to submit their business continuity plan. FRC on its part issued a guidance note for external auditors on matters to consider during Covid-19 pandemic period which include the fact that management should assess an entity’s ability to continue as a going concern.


The Company will continue to track the progress of the fight against the pandemic and its impact on her business. However, based on present assessment, the Directors are of the opinion that the Going Concern of the Company is not endangered and it would be able to continue even into the foreseeable future. We remain committed to the public interest, serving our customers as our first priority and building a resilient business even in 2020.


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