Popularity of financial products or services in Nigeria 2024

As of January 2024, about 45 percent of the Nigerian population aged 15 years and older reported having an account with a financial institution, while 8.7 percent used mobile money accounts. The percentage of individuals owning a credit card was much lower, at approximately 1.6 percent. Overall, the presence of financial institutions across the country has boosted the use of financial services among the population. Banks in the leadAs of 2023, Zenith Bank and Access Bank were the main banking service providers in Nigeria in terms of total assets and tier-one capital. The latter comprises capital, reserves, retained income, and minority interests. In the said year, Access Bank registered total assets reaching over 33.4 billion U.S. dollars, while tier-one capital for Zenith Bank amounted to around 2.6 billion U.S. dollars. Other leading banks in Nigeria include United Bank of Africa and Guaranty Trust Bank, as, together with the aforementioned banks, they report some of the highest total net profits in the country. Employment in banking grows minimallySince the first quarter of 2018, employment in Nigeria's banking sector has generally been decreasing. In the fourth quarter of 2020, the growth rate of bank employees in the country declined by 0.9 percent, compared to an increase of about 13.7 percent in the second quarter of 2018. Specifically, contract and junior staff count some of Nigeria’s highest numbers of bank employees. As of the fourth quarter of 2020, there were more than 39.7 thousand contract workers and 36.5 thousand junior staff in the sector. Overall, banking accounts for over 95,000 of the nation's employee base, a relatively low share of less than 0.2 percent.

截至2024年1月，约45%的尼日利亚15岁及以上的成年人口报告拥有金融机构账户，其中8.7%的人使用移动货币账户。持有信用卡的个人比例相对较低，约为1.6%。总体而言，全国范围内金融机构的普及显著促进了金融服务的使用。在2023年，以总资产和一级资本计，Zenith Bank和Access Bank是尼日利亚的主要银行服务提供商。一级资本包括资本、储备、留存收益和少数股东权益。当年，Access Bank的总资产超过334亿美元，而Zenith Bank的一级资本约为26亿美元。尼日利亚的其他领先银行还包括联合非洲银行和担保信托银行，它们与上述银行一起，报告了该国最高的总净利润。银行业就业增长缓慢自2018年第一季度以来，尼日利亚银行业就业人数总体呈下降趋势。至2020年第四季度，与2018年第二季度的约13.7%的增长率相比，该国银行员工的增长率下降了0.9%。具体而言，合同和初级员工构成了尼日利亚银行员工数量中的大部分。截至2020年第四季度，该领域有超过39.7千名合同工和36.5千名初级员工。总体而言，银行业占据了该国超过95,000名员工的基础，占比较低，不到0.2%。