Nigeria: Finance and Banking

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Finance law and banking law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics such as capital adequacy, BASEL, acquisition finance, debt capital markets, fund finance, islamic finance, securitization and structured finance.
Article
NEW RULES, HIGHER STAKES: What CBN's Proposed Financial Holding Company Guidelines Mean For Your Company
Nigeria's Central Bank has proposed sweeping reforms to its financial holding company framework, introducing stricter capital requirements, enhanced governance standards, and tighter controls on intra-group transactions. Will these changes strengthen the resilience of banking groups or impose excessive regulatory burdens on an already complex financial sector?
Nigeria Finance
DC
DCSL Corporate Services Limited
Article
Predatory Lending And Unfair Pricing Practices: Understanding The Legal Limits Of Digital Loan Pricing In Nigeria.
Digital lending in Nigeria has revolutionized access to finance through mobile platforms offering instant unsecured loans, but this rapid growth has sparked intense debate over pricing practices and consumer protection. As regulators scrutinize high interest rates, hidden fees, and complex terms, lenders defend their models as necessary responses to elevated credit risk and operational costs. The central question remains: how can Nigeria balance innovation-driven financial inclusion with meaningful safeguar
Nigeria Finance
Syntegral Legal Practice
Article
Public Offers And Investor Protection: The Regulatory Framework Governing IPOs In Nigeria Under The Investments And Securities Act 2025
The Investments and Securities Act 2025 has fundamentally transformed Nigeria's regulatory framework for public offers, introducing stringent registration requirements, enhanced disclosure obligations, and comprehensive investor protection mechanisms. What are the specific legal requirements companies must satisfy when making securities available to the public, and how does the new Act strengthen the Securities and Exchange Commission's supervisory powers while creating direct civil and criminal remedies fo
Nigeria Finance
Adeola Oyinlade & Co
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PF
Project Finance

Capital Adequacy/BASEL

Article
NEW RULES, HIGHER STAKES: What CBN's Proposed Financial Holding Company Guidelines Mean For Your Company
Nigeria's Central Bank has proposed sweeping reforms to its financial holding company framework, introducing stricter capital requirements, enhanced governance standards, and tighter controls on intra-group transactions. Will these changes strengthen the resilience of banking groups or impose excessive regulatory burdens on an already complex financial sector?
Nigeria Finance
DC
DCSL Corporate Services Limited
Article
CBN Caps Stay Period for Termination Rights and Payment Obligations under BOFIA at Two Business Days
The Central Bank of Nigeria has issued new guidance clarifying that suspensions of payment obligations and termination rights under financial contracts involving Nigerian banks will not exceed two business days. This interpretative circular addresses a critical gap in the Banks and Other Financial Institutions Act, 2020, providing certainty for counterparties trading derivatives, repos, and other financial instruments with CBN-regulated institutions.
Nigeria Finance
UU
Udo Udoma & Belo-Osagie
Article
A Look At Central Bank Of Nigeria’s Exposure Draft Of The Revised Guidelines For Licensing And Regulating Financial Holding Companies In Nigeria
Nigeria's Central Bank has released an exposure draft proposing sweeping changes to how financial holding companies must be structured, capitalised, and governed. The revised framework introduces stricter ownership requirements, enhanced capital thresholds that could exceed current levels by 20%, and significant restrictions on intra-group transactions and shared services. These proposed regulations could fundamentally reshape the operational landscape for banking groups and financial conglomerates operatin
Nigeria Finance
LL
Lexworth Legal Partners
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Debt Capital Markets

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Charges, Mortgages, Indemnities

Article
The Untapped Balance Sheet: How The STMAA Is Transforming Access To Credit In Nigeria
Nigerian banks have long prioritized land as collateral for lending, but this orthodoxy increasingly fails to serve businesses whose real value lies in receivables, inventory, and working capital cycles. As manufacturing, distribution, and logistics companies drive economic activity without substantial land holdings, the financial sector's rigid collateral requirements may be stifling growth in the very enterprises that power Nigeria's economy.
Nigeria Finance
TA
Tope Adebayo LP
Article
What To Consider When Buying Land Or Property Through A Mortgage In Nigeria
Land or property acquisition through mortgages in Nigeria is an attractive option for individuals who prefer to spread payments for the property over time rather than pay the full price up front. A mortgage is a long-term loan secured for the purpose of acquiring land or property. It is a legal arrangement where the property serves as the collateral for the loan, with the lender having the right to enforce or sell the property if the borrower defaults in repaying the loan over the agreed period(s).
Nigeria Finance
uA
Firmus Advisory
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Financial Services

Article
NEW RULES, HIGHER STAKES: What CBN's Proposed Financial Holding Company Guidelines Mean For Your Company
Nigeria's Central Bank has proposed sweeping reforms to its financial holding company framework, introducing stricter capital requirements, enhanced governance standards, and tighter controls on intra-group transactions. Will these changes strengthen the resilience of banking groups or impose excessive regulatory burdens on an already complex financial sector?
Nigeria Finance
DC
DCSL Corporate Services Limited
Article
Predatory Lending And Unfair Pricing Practices: Understanding The Legal Limits Of Digital Loan Pricing In Nigeria.
Digital lending in Nigeria has revolutionized access to finance through mobile platforms offering instant unsecured loans, but this rapid growth has sparked intense debate over pricing practices and consumer protection. As regulators scrutinize high interest rates, hidden fees, and complex terms, lenders defend their models as necessary responses to elevated credit risk and operational costs. The central question remains: how can Nigeria balance innovation-driven financial inclusion with meaningful safeguar
Nigeria Finance
Syntegral Legal Practice
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