National Bureau of Statistics

News from the National Bureau of Statistics (NBS) indicated that the total banking industry credit to the 36 States of the federation and the Federal Capital Territory (FCT) rose to N18.90 trillion in the second quarter of the year (Q2 2020) compared to N18.56 trillion in the preceding quarter and N15.44 trillion in Q2 2019.

Lagos state accounts for 78.94% of the rise

In its Selected Banking Sector Report: The NBS stated that the Quarterly Geographical Distribution of Credit by State Q1 2015 to Q2 2020, Lagos State recorded the highest credit by geographical distribution with N14.92 trillion or 78.94 per cent of total credit, while Yobe recorded the least credit facility with N13.8 billion accounting for 0.07 per in Q2 2020.

The NBS, however, pointed out that irrespective of the relevance of the (CPS) report, credit per state may not necessarily reflect the level of economic activity in a state.

The report noted – “For example, all the oil majors are operating outside Lagos but their credit is booked in Lagos. Similarly, Dangote Cement’s loan may have been booked in Lagos, but its major activities are outside Lagos, as an example”.

The report further stated that the total number of borrowers increased by 47.35 per cent to 2.59 million in 2019 from 1.76 million in 2018 while the number of credit facilities increased by 55.54 per cent to 3.18 million in 2019 from 2.04 million recorded in 2018.

Remittance inflows contracted by 2.06 per in 2019 to $23.81 billion from $24.31 billion recorded in 2018 while total remittance outflows increased by 33.87 per cent to $90.6 million from $67.68 million in 2018.

The total number of individuals who registered for the National Housing Fund in 2019 stood at 220,935 while the total amount of money given out as mortgage loans stood at N77.61 billion in 2019.

A further breakdown of borrowers in the banking industry showed that borrowers increased by 47.35 per cent to 2.59 million in 2019 from 1.76 million in 2018 while the number of credit facilities increased by 55.54 per cent to 3.18 million in 2019 from 2.04 million in 2018.

According to the NBS, the total value of loans distributed under the Agricultural Credit Guarantee Scheme Fund (ACGSF) stood at N4.07 million in 2019 compared to N4.37 million distributed in 2018, thus representing a decrease of -7.03 per cent year on year.

Meanwhile, the FCT accounted for N564.10 billion of industry credit within the review period, while Abia accessed N97.15 billion as well with N92. 85 billion.

Feel free to download the reports here:

Selected Banking Sector Report:
Quarterly Geographical Distribution
of Credit by State Q1 2015 to Q2 2020
(Volume 2)Download
Quarterly Geographical Distribution of Credit by State (N’bn) 2015 to 2020Download

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Quick Summary

Prefer the short version? Here is a concise recap of the key ideas in this article.

Lagos state accounts for 78.94% of the rise In its Selected Banking Sector Report: The NBS stated that the Quarterly Geographical Distribution of Credit by State Q1 2015 to Q2 2020, Lagos State recorded the highest credit by geographical distribution with N14.92 trillion or 78.94 per cent of total credit, while Yobe recorded the least credit facility with N13.8 billion accounting for 0.07 per in Q2 2020. The report further stated that the total number of borrowers increased by 47.35 per cent to 2.59 million in 2019 from 1.76 million in 2018 while the number of credit facilities increased by.

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