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Unity Bank Unveils Enhanced Unifi Mobile App to Deepen Digital Banking Experience

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Nigeria’s retail lender, Unity Bank Plc, has launched an upgraded version of its mobile banking platform, Unifi, as part of ongoing efforts to improve customer experience on the Bank’s digital Banking platform and reinforce its proposition in ebusiness.

The latest update, Unifi version 2.3, introduces a suite of improved features designed to enhance usability, security, and convenience for customers.

Key upgrades include enhanced security protocols, expanded quick-action functionalities, improved bill payment options, and an updated Nigeria Quick Response (NQR) feature to support faster and more secure QR code transactions.

A key aspect of the rollout builds on the Bank’s continued investment in digital and security infrastructure, aimed at safeguarding customer data, ensuring secure payments and enabling safe, real-time transactions across channels.

Speaking on the upgrade, Adenike Abimbola, Divisional Head, Retail, SME, Digital Banking & Fintech Partnerships at Unity Bank, said the improvements are built on the back of continuous interrogation of the platform to be more responsive to customer feedbacks which are being received overtime in our interactions and engagements.

“Digital banking has become an integral part of everyday life, particularly for retail customers who expect speed, dependability, convenience, and security as standard. With the latest upgrade to Unifi, we are responding directly to these expectations by enhancing functionality, strengthening security, and simplifying key payment and transaction journeys. Our goal is to ensure that customers can carry out their banking activities seamlessly, confidently, and without friction, anytime and anywhere.”

She added that the Bank remains committed to continuous improvement of its digital channels in line with evolving customer needs and emerging industry trends.

“As mobile banking increasingly defines how people interact with financial services, Unifi is central to our strategy of delivering intuitive, reliable, and inclusive digital solutions. We will continue to invest in technology partnerships and platform enhancements that support financial inclusion, drive adoption, and improve overall customer experience.”

Originally introduced as part of Unity Bank’s strategic push to expand its retail footprint, particularly among young and digitally savvy customers, Unifi has grown into a core engine of the Bank’s retail banking expansion. The platform plays a critical role in driving customer acquisition, deepening engagement, and reinforcing Unity Bank’s broader digital transformation agenda.

The Unifi mobile app is available for download on Android and iOS devices, offering customers access to a wide range of services, including transfers, bill payments, airtime purchases, and QR-enabled transactions.

 

NCC Holds Stakeholder Engagement on Spectrum Roadmap 2026-2030

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L-R: Deputy Director, Huawei Business Environment/Affairs Nigeria, Dr. Nihinlola  Fafore; Head, Spectrum Administration Department, Nigerian Communications Commission (NCC), Engr. Atiku Lawal; Head, Fixed Networks and Converged Services (NCC), Engr. Gidado Maigana Ahmed; Head Spectrum Assignment (NCC), Mr. Abubakar Hammanyaji; Country Lead, Digital Access Program, Foreign, Commonwealth & Development Office (FCDO), Mr. Idongesit Udo; Head, Spectrum Planning, (NCC), Dr. Joseph Emeshili present at Day 1 of the Stakeholder Engagement on Spectrum Roadmap 2026 – 2030, Guidelines for the Use of the 60 GHz for Multi Gigabit Wireless Systems and the Guidelines for the Use of the Lower Part of the 6 GHz Band for Wifi-6 in Nigeria held at the Auditorium, Communications and Digital Economy Complex, NCC Annex Office, Mbora, FCT, Abuja. 

Nigeria: Illicit Drugs and the Challenge of Addiction

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By Christiana Daniel

‎Nigeria’s fight against illicit drugs has intensified in ways that are impossible to ignore. Across the country, seizures have increased, trafficking routes have been disrupted, and criminal networks have come under sustained pressure.

The National Drug Law Enforcement Agency has been at the centre of this effort, expanding its operational reach and reinforcing the message that drug trafficking carries real consequences. These actions have improved security, reduced the brazenness of drug markets, and reassured many communities that the state is present and alert.

‎Yet for all this progress, many Nigerians still encounter drugs in their everyday environments. Familiar faces linger in the same spots, open drug scenes re-emerge, and drug-related petty crime continues to unsettle neighbourhoods.

This reality is often misinterpreted as enforcement weakness, but a closer look reveals a different truth. The persistence of drugs on the streets is driven less by the failure to stop supply and more by the continued presence of people who are already dependent on drugs and have nowhere else to go.

‎Decades of research in criminology and public health show that once dependence takes hold, demand becomes stubbornly resistant to pressure. Prices can rise, dealers can be arrested, and routes can shift, but the dependent user keeps searching.

This is why many low-level drug offenders appear repeatedly in arrest records. They are not hardened criminals adapting to enforcement; they are individuals trapped in a cycle of addiction, relapse, and survival. Without treatment, enforcement clears the street temporarily, only for demand to recreate the market.

‎Modern drug policy increasingly recognizes drug dependence as a chronic health condition influenced by social and economic realities. Unemployment, trauma, displacement, untreated mental health conditions, and social exclusion all raise the risk of problematic drug use.

Punishment alone does little to address these drivers. Evidence from multiple countries shows that while enforcement is necessary to maintain order, long-term reductions in drug use and drug-related crime depend heavily on accessible treatment and rehabilitation services.

‎This is why rehabilitation is not a soft option or a diversion from security priorities; it is a core security tool. Every dependent person who receives effective treatment represents one less steady customer for street dealers, one less repeat arrest for law enforcement, and one less vulnerable individual feeding the illicit drug economy.

Studies consistently show that treatment and rehabilitation reduce relapse rates, cut drug-related offences, and ease the burden on courts, prisons, and policing. In practical terms, rehabilitation locks in the gains that enforcement creates.

‎NDLEA’s evolving approach already reflects this understanding. Beyond seizures and arrests, the agency has increasingly emphasized counseling, treatment referrals, and rehabilitation as part of its broader mandate. This integrated thinking aligns with global best practice.

However, the scale of drug dependence far outstrips the current capacity of rehabilitation facilities. Many communities lack functional centres altogether, while others rely on informal or overstretched options that cannot support sustained recovery.

‎Expanding rehabilitation infrastructure is therefore not a critique of what has been done, but a logical extension of it. More treatment centres, trained addiction professionals, structured aftercare, and community reintegration programmes would reduce relapse and break the cycle that returns people to the streets.

Effective rehabilitation does more than detoxify; it restores dignity, rebuilds skills, and reconnects individuals to families and productive life. Where recovery systems are strong, drug markets shrink naturally because demand fades.

‎Nigeria’s drug control challenge will not be resolved by choosing between enforcement and compassion. The country has already demonstrated resolve through strong law enforcement. The next phase of progress lies in matching that resolve with investment in recovery.

A society cannot arrest addiction out of existence, but it can treat it out of circulation. When lives are restored, streets remain clean not because they are constantly cleared, but because fewer people are driven back to them.

* Christiana Daniel writes from Jalingo, Taraba State

Gospel Artiste, Titilope Baptist-Sanusi, Speaks on Her ‘I WON’ Album

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Titilope Baptist-Sanusi, popularly known as Baptista (BaptistaOnMiC), is a Nigerian gospel music minister whose sound is rooted in faith, testimony and spiritual depth.

Her music reflects a journey of endurance, restoration, and victory, shaped by years of waiting and personal trials.

Through heartfelt worship and powerful declarations, Baptista uses her voice as an instrument of hope, pointing listeners to God as the ultimate source of strength, healing and triumph.

  • The album “I WON” feels deeply personal. What was the emotional and spiritual journey like turning years of pain, waiting, and loss into music?

I WON was not something I planned; it was something God processed in me. For years, I carried pain quietly waiting, crying, praying, and sometimes even questioning. Turning those years into music was emotional because every lyric reminded me of a moment I didn’t think I would survive.

Spiritually, it was a journey from broken prayers to bold declarations. I didn’t write from a place of perfection; I wrote from a place of survival. Each song became a release, a healing, and a reminder that God was present even when I felt alone.

  • You recorded this project between 2023 and 2025, but the story behind it spans seven challenging years. At what point did you realise these experiences were shaping an album rather than breaking you?

I realised it when I noticed that despite everything, I was still standing still singing, still believing, even when I had no strength left. There was a moment when I stopped trying to force outcomes and simply surrendered. That was when clarity came. I understood that the experiences were not meant to destroy me but to give my voice depth. God was using the waiting to prepare a sound that could only come from endurance.

  • You’ve spoken openly about losing twins, your sister’s disappearance, family pressures, and financial struggles. How did your faith evolve through those seasons, and how is that evolution reflected across the tracklist?

My faith matured. In the beginning, my prayers were full of “why.” Later, they became prayers of trust. Across the tracklist, you can hear that growth. Songs like F.O.G (Focus on God) came from learning to shift my eyes away from pain. Modupe reflects gratitude even when answers were delayed. Joy is not about happiness it is about choosing praise in uncertainty. Each song represents a stage of my faith becoming stronger, quieter, and more rooted.

  • You mentioned that divine intervention came after you stopped trying. Can you share more about that moment and how the support from Oluwafemi Aborisade reignited your conviction?

That moment was very humbling. I had reached a point where I felt tired of pushing, tired of explaining, tired of hoping. Then God raised a man Mr. Oluwafemi Aborisade who was led purely by conviction to shoot the video for I Won. I didn’t lobby or beg. It was God’s doing. That act reminded me that when God says it is time, He will move people’s hearts without stress. It reignited my conviction that God is still intentional about my victories.

  • Songs like Modupe, Joy, and F.O.G (Focus on God) suggest a journey from gratitude to clarity. How intentional was the sequencing of the album in telling your testimony?

The sequencing was very intentional. I wanted the listener to walk the same path I walked from gratitude, to strength, to clarity. The album is not random; it tells a story. It starts with acknowledging God, moves through encouragement and focus, and ends in affirmation and victory. I WON is not just a title; it is the destination of the journey.

  • Yea & Amen features Dr. D. K. Olukoya. What does that collaboration represent spiritually, and how does it strengthen the message of victory in I WON?

Spiritually, this collaboration is deeply symbolic and intentional. It goes beyond music and enters the realm of alignment, covering, and spiritual authority. Being the first and only artist to feature Dr. D.K. Olukoya on a song is not about personal achievement alone. It represents trust, spiritual recognition, and divine timing.

Dr. Olukoya’s voice has long been heard in prayers, teachings, and spiritual sessions within the church, often repeated during services as instruments of instruction and warfare, not as commercial tracks.

For that same voice to appear on a song marks a shift from the altar into a sound that reaches beyond church walls. Spiritually, it means the message, prayers, and spiritual weight he carries are being released through music as a tool of impact, testimony, and victory.

As one of his children in the faith, this collaboration signifies spiritual covering and endorsement. It reflects a passing on of grace, values, and spiritual DNA. It shows that the song is not just artistic expression but a vessel carrying spiritual substance, prayer, and purpose. It also affirms that the journey behind the music has been shaped, refined, and approved in the place of obedience and alignment.

At a deeper level, it means God is using unity across generations and expressions of ministry. The collaboration stands as a bridge between the Word, prayer, and music, declaring that sound itself can be ministry. Spiritually, it says this song is not just to be heard but to be received, because it carries authority, testimony, and victory rooted in faith.

  • As the album premieres on your birthday and Boxing Day, what does this release symbolise for you personally, and what do you hope listeners carry with them after experiencing I WON?

Releasing I WON on my birthday is deeply symbolic. It represents rebirth, restoration, and gratitude for life. Boxing Day speaks of gifts, and this album is my gift to God and to everyone who has ever waited in silence. I want listeners to carry hope the assurance that pain does not have the final word. If God did it for me, He can do it for them. I WON is a reminder that victory is possible, even after giving up.

  • What role did Ogun State played in helping out with the disappearance your Sister?

I first came in contact with Mr. Oluwasina Ogungbade, SAN, Attorney General & Commissioner for Justice, Ogun State, through a public appeal regarding the disappearance of her sister. He personally picked her number from the flyer and reached out to her. From that moment, he consistently supported the family’s efforts in searching for her sister, Motunrayo. Over the past three to five months of tirelessly seeking her whereabouts, he stood by them, offering help, encouragement, and unwavering support through the ministry of justice and the Ogun State Police command. Beyond this, he also supported her career in every way possible, for which she is deeply grateful.

 

IMF Projects 4.4% GDP Growth for Nigeria in 2026

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Global economic activity is projected to remain resilient in 2026, with world output growth at 3.3%, easing marginally to 3.2% in 2027.

The outlook reflects a global economy that is steady amid divergent forces, as technology investment, accommodative financial conditions, and private-sector adaptability continue to offset headwinds from trade policy uncertainty and geopolitical tensions.

Growth across advanced economies remains modest but stable. The United States is projected to expand by 2.4%, supported by easing financial conditions and productivity gains linked to technology adoption.

The Euro Area records gradual improvement Germany (1.1%), France (1.0%), and the United Kingdom (1.3%) though structural constraints and weak investment continue to limit growth potential. Japan (0.7%) remains weighed down by demographic and demand-side pressures.

Emerging market and developing economies continue to drive global growth.

China (4.5%) reflects a moderated but stable expansion consistent with structural rebalancing, while India (6.4%) remains the fastest-growing major economy, underpinned by strong domestic demand and investment.

Sub-Saharan Africa is projected to grow by 4.6%, with Nigeria (4.4%) benefiting from reform momentum and services-sector expansion.

In the Middle East, Saudi Arabia (4.5%) reflects diversification efforts and normalisation in the oil sector.

 

Heirs Insurance Hackathon Opens: Nine University Students to Win N9m Innovation Prize

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Heirs Insurance Group (HIG), Nigeria’s fastest-growing insurance group, calls for applications for the maiden edition of the Heirs Insurance Hackathon, a technology-driven innovation programme designed to empower young students shape the future of insurance through Artificial Intelligence and digital solutions.

The Hackathon is open only to students in universities, polytechnics, and other tertiary institutions to build solutions for real-world challenges across the insurance value chain, from customer experience and claims processing to underwriting, distribution, data, and operational efficiency.

Registration closes on February 16, 2026, with winning teams to be announced at the Hackathon Grand Finale in April. A total prize pool of ₦9 million will be awarded to the top three teams.

The initiative reflects Heirs Insurance Group’s commitment to youth empowerment, digital skills development, and inclusive innovation, providing a platform for young Nigerians to apply emerging technologies to critical financial services challenges while gaining exposure to industry, mentorship, and real business problems.

The Hackathon is being delivered in partnership with Redtech, the digital payment solutions arm of Heirs Holdings, which will bring its technical expertise to support the programme and review submitted solutions, ensuring that ideas are evaluated not only for creativity but also for technical feasibility, scalability, and real-world impact.

Commenting on the launch, Peace O. Philips, Chief Digital Officer, Heirs Insurance Group, said: “Africa’s future will be built by young people who have the opportunity to apply their ideas, creativity, and technology skills to real economic challenges. Through the Heirs Insurance Hackathon, we are giving the next generation of innovators a platform to engage with the insurance industry, build meaningful solutions, and contribute to shaping a more efficient and inclusive financial system.”

Entries can be submitted on the Heirs Insurance Group website at www.heirsinsurancegroup.com/hackathon/

Heirs Insurance Group is the insurance arm of Heirs Holdings, the leading pan-African investment company, with investments across 24 countries and four continents.

With a rapidly expanding retail footprint and an omnichannel digital presence, Heirs Insurance Group, comprising Heirs General Insurance Limited, Heirs Life Assurance Limited, and Heirs Insurance Brokers, serves both corporate and individual customers across Nigeria.

Heirs Insurance Group is championing financial inclusion and leading the digital insurance play in Nigeria, demonstrating its mission to democratise access to insurance.

 

Stockbrokers, Securities Dealing Houses Congratulate NGX on N100tn Market Capitalisation

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The Chartered Institute of Stockbrokers (CIS) and the Association of Securities Dealing Houses of Nigeria (ASHON) warmly congratulate the Board, Management, and staff of Nigerian Exchange Group Plc and Nigerian Exchange Limited on the historic achievement of the Nigerian capital market crossing the 100 trillion market capitalisation mark.

This remarkable milestone is a major affirmation of the resilience, depth, and growing sophistication of Nigerias capital market, and a clear signal of renewed investor confidence in the Nigerian economy.

This achievement would not have been possible without the visionary leadership and strategic direction of the NGX Board, as well as the professionalism and dedication of its Management and staff, led by versatile stockbrokers: Dr. Umaru Kwairanga; Mr. Temi Popoola; and Mr. Jude Chiemeka and Mr. Femi Sobanjo.

We also commend the unwavering commitment and versatility of dealing member firms and stockbrokers who continue to serve as the backbone of the market, ensuring liquidity, transparency, and investor protection. Their collective efforts have strengthened market integrity, broadened participation, and improved the overall efficiency of the Exchange.

The CIS and ASHON also commend the Federal Government of Nigeria for providing a supportive macroeconomic and regulatory environment that has encouraged domestic and foreign investment, promoted market reforms, and enhanced the attractiveness of Nigerian assets.

Policy stability, ongoing reforms, and a clear commitment to private sector–led growth have played a crucial role in creating the conditions for this historic market expansion. We also commend SEC for providing sound regulations and market development.

Crossing the 100 trillion threshold is not only a symbolic landmark; it reflects the capacity of Nigerias capital market to mobilise long-term funds for infrastructure, enterprise development, and economic transformation. It underscores the vital role of the market in financing growth, creating wealth for investors, and supporting national development objectives.

The CIS and ASHON will continue to advocate ethical governance in the capital market with all stakeholder playing by the rules of the game. We remain fully committed to sustaining this momentum through robust regulation provided by Securities and Exchange Commission, market innovation, and strong investor protection frameworks.

We look forward to working closely with all stakeholders to further deepen the market, broaden product offerings, and ensure that the Nigerian capital market continues to serve as a strong engine for inclusive and sustainable economic growth.

SAMUEL SEHINDE ADENAGBE               OLUROPO DADA, Chairman 13th President/Chairman of Council Association of Securities Dealing Houses of Nigeria                            Chartered Institute of Stockbrokers

 

FG to Appeal Judgment Directing it to Investigate Attacks on Journalists

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Nearly two years after a Federal High Court in Abuja ordered the Federal Government to investigate, prosecute and punish perpetrators of all attacks against journalists and other media practitioners, and take measures to prevent further attacks, the Attorney-General of the Federation is asking the Court of Appeal in Abuja to allow the Government to appeal the judgment by granting an extension of time since the three months prescribed by Law for lodging appeals has lapsed.

In a motion on notice filed on December 23, 2025, by Mr. A.B. Mohammed, a counsel in the Federal Ministry of Justice, on behalf of the Attorney-General, the Government is seeking an order of the Court of Appeal extending time for it to appeal the judgment of the Federal High Court delivered by Justice Inyang Ekwo on February 16, 2024.

Section 24(2)(a) of the Court of Appeal Act, 2004 (as amended), stipulates that the period for the giving of notice of appeal or notice of application for leave to appeal in a civil matter is three months where the appeal is against a final decision of the court.

Justice Ekwo’s judgment arose from a suit filed on behalf of Media Rights Agenda (MRA) by human rights lawyer, Mrs. Mojirayo Ogunlana-Nkanga, on October 26, 2021, in which the organization complained about the violation of the fundamental rights to life and freedom of expression of Nigerian journalists and media practitioners who were murdered at various times over the last few decades in the line of duty or under circumstances relating to the discharge of their duties as journalists and the failure of the Federal Government to protect them, carry out effective investigation, prosecute and punish the perpetrators of the murders.

MRA named some of the murdered journalists as the late Editor-in-Chief of Newswatch magazine, Mr. Dele Giwa, who was killed on October 19, 1986 by a parcel bomb in his home in Lagos; Ms Bolade Fasasi, a member of the National Association of Women Journalists and former treasurer of the Nigeria Union of Journalists (NUJ), who was shot dead by three unidentified gunmen in Ibadan on March 31, 1998; Mr. Edward Olalekan Ayo-Ojo, who was found dead beside his car on a road in Lagos in the early hours of June 1, 1999; and Mr. Omololu Falobi, a former features editor of The Punch and founder of the media advocacy group, Journalists Against AIDS (JAIDS), who was gunned down in Lagos on October 5, 2006, on his way home from his office.

Other journalists identified by MRA are Mr. Godwin Agbroko, Chairman of the Editorial Board of This Day newspaper, who was murdered by unknown gunmen on December 22, 2006; Mr. Abayomi Ogundeji, a member of the Editorial Board of This Day newspaper, who was shot dead on August 17, 2008; and Mr. Edo Sule-Ugbagwu, Judicial Correspondent of The Nation newspaper, who was murdered in his home in Lagos by a gang of armed men on April 24, 2010.

In his February 2024 judgment, Justice Ekwo held that “journalism and media practice are constitutional professions in their respective rights” as it is the exercise of the rights provided for in Section 39(1) and (2) of the 1999 Constitution that gives foundation for journalism and media practice, and ruled that MRA had “established its case by credible evidence”.

The judge therefore issued eight declaratory reliefs sought by MRA and directed the Federal Government to take measures to prevent attacks on journalists and other media practitioners; investigate, prosecute and punish perpetrators of all attacks against journalists, and ensure that all victims of attacks against journalists have access to effective remedies.

He ordered the government to take measures to raise awareness and build the capacities of various stakeholders, including law enforcement, security, intelligence, military and other officials on the laws and standards for ensuring the safety of journalists and media practitioners.

Stating the grounds upon which the application was made, the Federal Government said in its motion paper that it is “desirous to appeal” the judgment, but it did not explain why it has not lodged any appeal for over 22 months, except to say that it needs time to appeal.

In an affidavit in support of the motion, Mr. Kelechi Ohaeri, a litigation officer in the Department of Civil Appeals at the Federal Ministry of Justice in Abuja, said the application is necessary in the interest of justice and in furtherance of the Government’s constitutional right to appeal.

He explained that the Government had prepared a proposed Notice of Appeal, which sets out the grounds of appeal, and claimed that the grounds of appeal contained in the proposed notice are recondite.

In his written address, Mr. Mohammed said “upon a consideration of the judgment” delivered by Justice Ekwo, the Government has discovered errors and therefore wishes to exercise its constitutional right of appeal as guaranteed by Section 243 of the 1999 Constitution, as amended.

No date has been fixed for the hearing of the motion.

 

Kano Massacre: The Menace of Hard Drugs, Intervention Campaign by NDLEA

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By Mahmud Isa Yola

On the noon of Saturday, I sat in the cavernous Conference Hall of the National Mosque in Abuja, lost in a sea of faces, listening with keen interest as my boss, the NDLEA’s Director of Media and Advocacy, Mr. Femi Babafemi, connected the dots between insecurity and drug abuse during a Public Lecture organised by Muslim Rights Concern, MURIC.
For those who know the inner workings of the Agency, seeing Mr. Babafemi at a public event on a weekend is as rare as seeing a comet. To him, Saturdays are sacred, not for rest, but for the grim arithmetic of the drug war.

Like the diligent scribe in a relentless chronicle, he dedicates his weekends to collating the details of every arrest and every seizure from commands nationwide, preparing the weekly press release that sets the tone for Monday morning.

He is a man who believes, like the ancient stoics, that “to leave the ledger unbalanced for a day is to invite chaos.” Yet, the gravity of the subject—the bleeding soul of our nation—compelled him to break this ironclad routine.
The atmosphere in the hall, initially ceremonial, turned suffocatingly heavy when Professor Abba Gambo, the Agricultural Adviser to the Nigerian Governors Forum (NGF), took the microphone. With a voice laden with personal grief, he recounted how the insurgency had wiped out almost all his siblings. He painted a vivid, horrifying picture of a relative shot dead at close range right in front of him by a young man he initially thought was approaching to exchange pleasantries.

He took us inside the IDP camps, describing mothers so broken by despair that they were begging strangers to take their children, choosing the pain of separation over the agony of watching them starve. He narrated the abomination of a mother raped by her own son after he was radicalised by Boko Haram, and the ultimate horror of a terrorist who “married” both a mother and her daughter, holding them in such depraved captivity that when rescue finally came, both were pregnant for the same man.
Prof. Gambo’s voice trembled as he asked the question that hung over us like a dark cloud: “Would this be possible for a human being—a superior creation of God, endowed with a soul and conscience—to be this cruel, this animalistic, without being under the influence of hard substances?”
The hall fell into a graveyard silence. We thought we had heard the worst of it.
But I cannot think of anything more devastating than realizing that at the exact moment we were shuddering in that hall, another evil was being perpetrated in Kano. While we analyzed the theory of terror in Abuja, the practical reality of it was visiting the home of Haruna Bashir in Dorayi Chiranchi Quarters.
In a senseless orgy of violence, unknown assailants stormed the sanctuary of a family and wiped out a generation.

They killed Haruna’s wife, 35-year-old Fatima Abubakar. But they didn’t stop there. They turned their weapons on the children. Maimuna, 17, on the cusp of womanhood; Aisha, 16; Bashir, 13; Abubakar, 10; Faruk, 7.
And most heart-wrenching of all, they silenced the cries of little Abdussalam, a baby of barely one and a half years old.
As I read the report, tears blurred my vision. What crime could a one-year-old commit? What threat does a nursing mother pose? This was not a robbery; this was an erasure.
While the specific motive for this carnage is still being investigated by the police, one cannot help but return to the chilling truth Mr. Babafemi laid bare at the event: Where there is heinous crime, there is most certainly drugs.
I do not intend to oversimplify this tragedy. God knows this is cruelty of the highest order, and woe betide the monsters who did this. But we must not ignore the facts. The vast majority of homicides, cold-blooded family massacres, and acts of extreme depravity are committed by individuals whose minds have been hijacked by psychoactive substances. A normal human mind has a brake—a conscience that screams “stop” when it tries to take a life. It takes a chemical agent to cut that brake.
Yet, as a society, we are not fully awake to this epidemic. We treat drug abuse as a distant moral failing rather than the immediate existential threat it is.
The NDLEA, under the leadership of Brig. Gen. Mohamed Buba Marwa (Retd), has created a toll-free helpline (0800 1020 3040) specifically to support drug users and their families, offering a path to treatment before they become monsters or victims.

But how many people call this line? The Chairman has tirelessly advocated for drug integrity tests—in our homes, our schools, and our workplaces—to fish out drug use early and treat it. Yet, we hesitate. We worry about “privacy” and “stigma” while the drugs take control of souls. We allow the addiction to fester, and when the addicts eventually explode and wreck the greatest havoc, we curse and wail.
The link is undeniable. Statistics from the NDLEA’s vaults prove that terrorism and violent crime thrive on the abuse of drugs by insurgents. In the last five years, the Agency has intercepted more drugs destined for terrorists than ever before.
We remember September 2021, when operatives at the Apapa port seized 451,807 tablets of Captagon weighing 74.119kg. This was not for street peddlers. Captagon is known globally as the “Jihadist Drug”, the very pill used by ISIS fighters in Syria to stay awake for days and kill without remorse.

These pills were destined for the insurgents in the North East, intended to fuel the exact kind of madness Prof. Gambo described. We remember the millions of Tramadol pills intercepted from syndicates supplying bandit camps. These are the logistical supplies of terror.
The slaughter in Kano is a sorrow too deep for words. But as we mourn Fatima and her six beautiful children, we must realise that we are not just fighting criminals; we are fighting the substances that turn men into beasts. Until we confront the drug scourge with the same intensity we confront the bandits, we will continue to weep.
May the souls of the innocent rest in peace, and may we, the living, finally wake up.

 

Mahmud Isa Yola Writes from NDLEA NHQ Abuja. 

Repton Group Wins 2025 Dangote Cement Largest Distributor Award

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…in Nigeria, Sub-Saharan Africa

By Goke Ilesanmi

L-R: Alhaji Aliko Dangote, President/CE, Dangote Industries Limited; Otunba Kazeem Olayemi Odeyeyiwa, FCA, MD/CEO, Repton Group; his wife, Yeye Erelu Adesola Odeyeyiwa, a Director of the Group and Mr Emmanuel Ikazoboh, Board Chairman, Dangote Cement Plc during the presentation of the 2025 National Largest Distributor of Dangote Cement Award to Repton Group at the Dangote Cement Distributors’ Awards Night in Lagos recently. 

Repton Group, a Nigeria-based conglomerate has emerged as the winner of the 2025 Dangote Cement Award of the Largest Distributor in Nigeria and Sub-Saharan Africa.

This marks the third consecutive achievement of the rare feat, having earlier clinched the 2023 and 2024 editions of the annual award.

Repton Group, with subsidiaries such as Kazab Heritage Limited (for distribution); Defrost Ventures Limited (for haulage and logistics); Kazab Oil and Gas; Heritage Engineering Services Limited and Kazab Homes and Properties, won the award through its cement distribution subsidiary, that is, Kazab Heritage Limited, at the 2026 Dangote Cement Distributors’ Awards Night in Lagos recently.

In his reaction, the elated Otunba Odeyeyiwa Kazeem Olayemi, MD/CEO of Repton Group expressed appreciation to Alhaji Aliko Dangote, President/Chief Executive, Dangote Industries Limited and the entire Board and Management of Dangote Cement Plc, for the award decided through an objective performance-assessment process.

Otunba Odeyeyiwa also thanked customers for making the achievement possible. As he put it in his appreciation message, “On behalf of our Board of Directors ably led by my wife, Yeye Erelu Adesola Mutiat Odeyeyiwa and me, I want to express special appreciation to you, our esteemed customers for your unwavering loyalty, consistent feedback and exceptional commitment to our brands over the years.

“You remain our corporate catalysts. Our emergence as the Largest Distributor of Dangote Cement in Nigeria and Sub-Saharan Africa for three consecutive years would not have been possible without your sustained and massive support.”

He equally expressed gratitude to the entire staff for their indefatigability, overwhelming dedication, result-driven approach and operational ingenuity, which mostly account for the latest feat and have continued to drive outstanding achievements.

The CEO, who also thanked all associates and stakeholders, attributed the successive achievements of the Group to years of strategic corporate vision, operational innovation, resilience, robust planning and effective team work.

Otunba Odeyeyiwa, who hinted at technological re-modelling of operations at the Group, said the Group would continue to strengthen efforts towards sustaining industry leadership and/or maintaining competitive edge.

According to him, “rather than resting on our laurels, we view this latest achievement as both a challenge and motivation to further strengthen our performance and continuously re-model our operational strategies. We firmly believe that complacency has no place in sustaining excellence amid intense competition.”

In her own reaction, Yeye Erelu Odeyeyiwa Adesola Mutiat, Director of Repton Group and wife of the CEO, first attributed the success to God and expressed special appreciation to Dangote Group and all stakeholders for the award.

In her words: “All glory and adoration to Almighty God…My special appreciation goes to you all, our loyal customers, for your unwavering support over the years. I also most sincerely thank all of you, our staff in Repton Group in general, for your selfless work, dedication and support. Let’s do it again this year. To Dangote Group, we cannot thank you enough.”

 

Royal Exchange CEO: Recapitalisation Will Reposition Insurance Sector, Support $1tn Economy Goal

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Mrs. Idu Okeahialam, Group Managing Director/CEO, Royal Exchange Plc, says the NIIRA 2025-induced recapitalisation process will reposition the Nigerian insurance market in 2026 and beyond.

In a statement: ‘RECAPITALISATION AND THE FUTURE OF THE NIGERIAN INSURANCE MARKET: A 2026 OUTLOOK’, she maintained that a well-capitalised insurance industry sends a strong signal of financial strength and reliability, which is essential in rebuilding trust among policyholders who have historically viewed the Nigerian insurance industry with skepticism due to delayed claims and weak service delivery.

“In 2026, trust will increasingly become a competitive differentiator. By the end of 2026, despite the threat in the recapitalisation, the trajectory of the Nigerian insurance industry will be determined by how effectively it is implemented. Insurers that leverage strengthened capital, adopt robust governance, and embrace risk-based strategies will emerge as market leaders, capable of underwriting complex risks, delivering timely claims, and restoring public confidence. Conversely, institutions that fail to adapt will struggle to remain relevant.”

Okeahialam insisted that while recapitalisation is challenging, it provides a unique opportunity to transform the insurance industry into a resilient and trustworthy sector, one that can support economic growth, attract investment and play a central role in the nation’s $1 trillion economy goal.

“While the sector has long grappled with issues of inadequate capital, leading to poor claims settlement capacity and limited market penetration, limited underwriting capacity, and trust deficit, the ongoing recapitalisation drive has emerged as the most consequential reform shaping its future direction. It is intended that insurers must meet the new minimum capital requirement, aimed at protecting the consumers and positioning the industry for sustainable growth.”

She insisted that recapitalisation is not merely a regulatory requirement but a structural reset that will determine the credibility and long-term relevance of the industry.

“By 2026, recapitalisation will have reshaped the competitive landscape. The industry is likely to witness a leaner but stronger market, characterised by fewer operators with improved financial capacity, stronger governance frameworks, and enhanced risk management practices. Insurers that emerge successfully from the recapitalisation process will be better equipped to absorb shocks, support national economic activities, and partner meaningfully in other high value sectors.”

She warned however, that recapitalisation will not be without challenges.

“While the objectives outlined in the Act are commendable, the increased capital requirements may pose significant challenges for smaller players, potentially leading to market consolidation and reduced competition. While this may initially be disruptive, I believe it will ultimately strengthen the industry by eliminating weak structures and encouraging scale and efficiency.”

The Royal Exchange ceo added that recapitalisation must go beyond balance sheet expansion as capital alone does not guarantee stability or performance.

“The true test for insurers in 2026 will be measured by the effective deployment of capital, whether it translates into prudent underwriting, timely claims settlement, and improved customer experience. Without corresponding improvements in governance, and enterprise risk management, recapitalisation risks becoming a cosmetic exercise rather than a transformative one. From a market confidence perspective, successful recapitalisation as proposed by the Act has the potential to significantly improve public perception of insurance in Nigeria.”

 

 

 

State Police and the Questions Nigeria Can No Longer Avoid

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By Tosin Osasona

Nigeria’s post-1999 democratic era has coincided with one of the gravest crises of state authority in the country’s history, with the state appearing weak and incapable of defending its authority. Fundamentalist Islamist groups, ethnic militants, gangs, secessionist movements, cult groups, organized criminal groups, and political thugs, among others, have relentlessly challenged the state to a duel of superiority, forcing the state into either spasms of retroactive violence or face-saving settlements.

While this crisis of governance has interconnecting structural and operational drivers, political actors, particularly at the subnational level, have increasingly framed the decentralisation of the Nigeria Police Force as one of the key solutions to this complex problem.

Undoubtedly, the centrally controlled Nigeria Police Force and the uniform conceptualisation of policing in Nigeria are problematic for the country’s diversity and complexity.

In acknowledgement of this fact, every president since 1999 has initiated police reform of some sort. President Bola Ahmed Tinubu’s administration appears poised to advance the most far-reaching reform yet: the constitutional amendment required to permit state-controlled police services. While the political momentum behind this proposal is significant, the critical policy question remains unresolved-will the creation of state police meaningfully address Nigeria’s security crisis, or merely reproduce existing failures at a subnational scale?

There is no empirical, contextual, or policy-based evidence that suggests constitutional authorisation alone can deliver Nigeria’s much-needed security outcomes. Public policy effectiveness is largely determined by the political and institutional environment in which it operates.

For a political system characterised by low levels of accountability, deep-seated ethnic and religious tensions, permanently simmering secessionist agitations, and politicisation of policy processes, will the establishment of state police not create worse problems in the long term? What will stop these new policing outfits from being appropriated as personal enforcement gangs for state governors?

While policing is less about institutional form and more about institutional character, Nigeria is oddly one of the few countries globally among multiethnic and multireligious federal states that expressly prohibits subnational governments from exercising any policing authority.

Therefore, the case for state police is compelling; however, the challenges lie less in principle than in the operational and institutional details. Given Nigeria’s political history, how then should the proposed police decentralisation be structured to safeguard critical constitutional guarantees, enhance the capacity of subnational units to respond to local security concerns, and reduce the potential for abuse?

Across the world, all effective and efficient policing systems are built on three crosscutting pillars: legitimacy, accountability, and professional competence. Assessments based on multiple performance indicators suggest that the Nigeria Police Force performs poorly across all three dimensions.

Creating state police will at best address the question of legitimacy, leaving unresolved the crisis of accountability and professional competence. The Nigeria Police Force is the ideological successor entity to the colonial Consular Guard of 1861, which was built on the mantra of using ‘strangers to police strangers’—an extractive policing system conceived to protect ruling power rather than local communities. State-created policing outfits will at least be resourced from local communities, would be enmeshed in local contexts, and would have cultural affinity with the communities they serve.

This will to some extent address legitimacy concerns that bedevil the Police Force in Nigeria. Unless there is deliberate institutional design, state creation and control of policing authorities will not automatically translate to fairer and more respectful policing procedures, a more equitable distribution of policing outcomes, or strict adherence to law and human rights.

Policing is an expensive enterprise, demanding sustained investment in personnel, training, infrastructure, intelligence systems, and operational logistics.

Without these critical financial inputs, a decentralised system risks merely replicating the current inefficiencies at a subnational level. Currently, only nine out of the 36 states can meet their salary obligations without total dependence on federal funds, and only about 20 states are paying the current minimum wage.

Where, therefore, will the funds to finance the proposed state policing outfits come from? The stark disparity in fiscal capacity of states creates a dangerous possibility, where poorly funded state police units could become bands of armed men, nominally in uniform but functionally abandoned to fend for themselves.

This would incentivize extortion, predation on the very citizens they are meant to protect, and could see these units auctioning their coercive power to the highest bidder, deepening insecurity and corruption. Therefore, the transition to state police demands not just a constitutional amendment, but a fundamental revaluation of fiscal federalism to prevent the birth of thirty-six potentially uneven and, in some cases, dangerously unmoored police services.

Beyond the hurdle of fiscal viability lies the more contentious question of operational and organizational independence. If state police services are to be more than just ‘State House Enforcers’ with broader jurisdictions, their leadership must be insulated from local politics.

Lessons from abuses by the First Republic’s Regional policing force teach that without clear institutional safeguards, state police risk becoming instruments of political patronage rather than instruments of public safety.

Independence, among other things, will require legal frameworks that define the chain of accountability, establish professional standards, and create oversight mechanisms—possibly through independent policing commissions—ensuring that state police serve the people, not the political ambitions of individual governors. Knowing what we know, how many governors will commit to this in practice?

Ultimately, Nigeria’s current policing system is in urgent need of reform. A realistic reform pathway lies in restructuring the existing centralised system to allow for hybrid control and a multi-tiered policing arrangement that accommodates both national and subnational policing platforms.

Whatever choice is settled upon, any serious policy on police reform in Nigeria must be accompanied by a clear framework for sustainable funding, an oversight system, and accountability mechanisms to ensure that the creation of state police strengthens, rather than destabilises, local security governance.

State police may indeed be inevitable. Whether they become a solution or a new source of insecurity will depend less on constitutional amendments than on the political will to confront Nigeria’s deeper governance failures.

Tosin Osasona is a criminal justice professional and Senior Research Associate at the Centre for Public Policy Alternatives, Lagos.

 

 

NESG Hosts 2026 Macroeconomic Outlook, Highlights Growth Prospects, Reform Consolidation

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L-R: Mr. Omoboyede Olusanya, Vice Chairman II, Nigerian Economic Summit Group (NESG); Sen. John Owan Enoh, Honourable Minister of State for Industry, Federal Ministry of Industry, Trade and Investment; Mr. Wale Edun, Honourable Minister of Finance and Coordinating Minister of the Economy; Mr. Niyi Yusuf, Chairman, NESG; Dr. Muhammad Sani Abdullahi, Deputy Governor for Economic Policy, Central Bank of Nigeria (CBN); Ms. Nancy Illoh-Nnaji, Anchor/Executive Producer, Moneyline with Nancy on AIT; and Ifeoma Williams, Senior Special Adviser on Strategic Communications, Office of the Honourable Minister of State for Industry, at the launch of the NESG’s Macroeconomic Outlook Report 2026.

The Nigerian Economic Summit Group (NESG) on Thursday, 15th January, 2026 held its 2026 macroeconomic outlook event at the NESG Summit House in Lagos.

The outlook declared that Nigeria has emerged from a prolonged period of acute economic crisis, projecting a stronger growth trajectory as reforms transition from stabilisation to consolidation.

This outlook was unveiled at the launch of the 2026 Macroeconomic Outlook, themed “Consolidating Economic Stabilisation Gains: Pathway to Sustainable Growth in Nigeria.”

While delivering the opening remarks, NESG Chairman, Mr. Niyi Yusuf, noted that while recent structural reforms were necessary, they represent only the first phase of a longer transformation journey. “Nigeria has just emerged from one of the most disruptive adjustment periods in its recent economic history,” he said, adding that “economic transformation is not an event, but a sequenced and perpetual process.”

He stressed that stabilisation alone does not guarantee prosperity, as growth remains modest, uneven, and insufficiently linked to job creation and household incomes.

Whie delivering the keynote address, Minister of Finance and Co-ordinating Minister of the Economy, Mr. Wale Edun, noted that despite the nominal increase in public debt, Nigeria’s debt-to-GDP ratio has declined to 36.1 per cent, one of the lowest in Africa and well below global averages.

 

 

Rand Merchant Bank Nigeria Acts as Lead Issuing House on the N236bn PRESCO Rights Issue

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Rand Merchant Bank Nigeria Limited is pleased to announce the successful completion of the ₦236bn rights issue undertaken by Presco Plc.

The Rights Issue is the largest non-financial services public capital raise completed in 2025. RMB served as the Lead Issuing House on the transaction, working closely with Presco to structure, coordinate, and execute a seamless capital raise.

The transaction was undertaken to position the Company for sustained growth and to advance its vision of becoming the most profitable, sustainable, and fully integrated edible oils group in Sub-Saharan Africa. It also supports Presco’s objective of narrowing the supply–demand gap in Nigeria’s oil palm industry. The transaction received strong support from shareholders, with high participation from existing investors, and achieved a subscription level of 103%, reflecting continued confidence in the Company’s long-term strategy and performance.

Presco is a leading player in the Nigerian agro-industrial sector, with a proud legacy spanning over three decades.

The Company has remained dedicated to delivering value to stakeholders through innovative initiatives that entrench its competitive position, broaden its market presence, and further establish it as a trusted brand to customers across the nation.

RMB Nigeria provided end-to-end deal management, providing transaction leadership, advising on deal structure, navigating complex regulatory processes under accelerated timelines, and co-ordinating an extensive investor engagement strategy. The transaction was completed within a four-month period from receipt of shareholders’ approval.

Speaking on the successful completion of the transaction, Chidi Iwuchukwu, Executive Director & Head of Investment Banking at Rand Merchant Bank Nigeria Limited, commented:

“We are pleased to have led the successful and over-subscribed rights issue for Presco Plc, a clear testament to the market’s confidence in Presco’s growth ambitions and long-term strategy. This landmark transaction underscores the strength of Presco’s brand and reaffirms RMB’s position as a leader in delivering bold, value-enhancing capital market solutions. We extend our sincere appreciation to Presco for entrusting us with this mandate and thank the Securities and Exchange Commission (SEC), Nigerian Exchange Limited (NGX), Central Securities Clearing System (CSCS), co-Advisers, and their leadership teams for their collaboration in achieving this outstanding outcome.”

Bimbo Oyeyiga, Head of Corporate Finance at Rand Merchant Bank Nigeria Limited, added:

“The successful completion of Presco’s rights issue marks a significant milestone in Nigeria’s agro-allied industrial sector. We are proud to have supported Presco on this landmark transaction, which is expected to strengthen its market position and reinforce investor confidence in its long-term strategy and leadership. This achievement highlights the resilience of Nigeria’s capital markets and underscores RMB’s unwavering commitment to delivering value-driven solutions that foster the growth and sustainability of Nigeria’s leading agro-allied companies.”

 

About RMB:

RMB Nigeria Limited, a member of the FirstRand Group, is a leading African Corporate and Investment Bank. RMB Nigeria provides clients with innovative, valueadded solutions across advisory, funding, trading, corporate banking, and principal investing.

 

 

 

MTN: The Best Mobile Internet Performance in Nigeria 2025

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  • Analysis period: January 1, 2025 – December 31, 2025

The nPerf score, expressed in nPoints, reflects the overall quality of the connection experienced by the user. The results take into account all relevant indicators.

MTN establishes itself as leader of mobile Internet in Nigeria for 2025, according to the annual nPerf barometer. This edition reveals strong competition between three major operators with differentiated service profiles across all performance indicators.

MTN leads the sector with 37 106 nPoints and dominates all measured indicators. With download bitrate of 18.7 Mbps and upload bitrate of 8.7 Mbps, the operator delivers the fastest speeds in the market. Leader in browsing (35.8%) and video streaming (67.0%), it ensures a smooth experience for data-intensive applications.

Airtel ranks second with 25 614 nPoints and achieves solid performances across key metrics. Download bitrate reaches 10.6 Mbps and upload bitrate 4.7 Mbps, supporting reliable video calls and content sharing. The operator demonstrates strong video streaming capabilities (62.5%, 2nd position), providing users with consistent content delivery.

Glo completes the podium with 20 475 nPoints and displays the best latency in the sector (121.8 ms). The operator ranks second in browsing (29.9%), ensuring efficient web navigation for users.

Measurements based on 40 617 tests conducted via the nPerf application on Android and iOS.

“The Nigerian market demonstrates strong competition with three operators delivering increasingly capable networks for streaming and data-intensive applications”, declares Sébastien de Rosbo, Chief Executive Officer of nPerf.