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The Great Divergence: A Fork in the Road for the Global Economy
As our note to the G20 meeting points out, there is a major risk that as advanced economies and a few emerging markets recover faster, most developing countries will languish for years to…
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How Poverty Makes Workers Less Productive
Obviously, giving more money to people without much money helps them with money problems. But this study adds to a growing body of research that says that money really does help workers earn…
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A Race Between Vaccines and the Virus as Recoveries Diverge
In just three months since we released our last forecast in October, recorded COVID-19 deaths have doubled to over 2 million, as new waves have lifted infections past previous peaks in many countries.…
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What the Continued Global Uncertainty Means for You,
Global uncertainty reached unprecedented levels at the beginning of the COVID-19 outbreak and remains elevated. The World Uncertainty Index—a quarterly measure of global economic and policy uncertainty covering 143 countries—shows that although uncertainty…
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How To Make A New Year’s Resolution
2020 has been a disaster for meeting new people, which is why Per Carlbring's New Year's resolution is to spend next year trying to connect with someone new every day. Carlbring, a professor…
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Time is Ripe for Innovation in the World of Sovereign Debt Restructuring
When corporations have too much debt and need to restructure it, creditors often end up exchanging bonds or loans for stocks. They trade the guaranteed payout of a fixed-income investment for an equity…
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Data Disruption: The Impact of COVID-19 on Inflation Measurement
Lockdowns, working from home, and physical distancing caused people to spend larger shares of their household budgets on food and housing, while fewer people bought nonessentials, like airline tickets and clothing. And with…
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Bridging the Digital Divide to Scale Up the COVID-19 Recovery
Digitalization has in the past few years enabled developing countries, in particular, to leapfrog on financial inclusion. Countries like Kenya, Ghana, Rwanda and Tanzania have made great advances in connecting their citizens to…
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Public Investment for the Recovery
Governments around the world are taking extraordinary measures to respond to the COVID-19 crisis. While maintaining the focus on addressing the health emergency and providing lifelines for households and businesses, governments need to…
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[INFOGRAPHICS] Banks’ Proportion Of Low-Cost Deposit(% CASA Mix, H1:2020)
High CASA mix enables banks to record lower Interest expenses, hence, a higher net interest margin.
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[INFOGRAPHICS] Regional Unemployment Rate (August 2020)
The regional paradox - The Richer the oil, the higher the unemployment.
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[INFOGRAPHICS] E-Business % Of Revenue of Nigerian Banks (H1’2020)
Nigerian Banks Electronic Transaction Revenue a question on efficiency of cashless policy.
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[INFOGRAPHICS] South African Vs Nigeria Banks (H1’2020)
South African banks are bigger than Nigerian banks in terms of Total Assets. However, Nigerian banks are more profitable, looking at return on Assets. Return on Assets talks about how they are able to utilize their balance…
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[INFOGRAPHICS] Poverty Rate By Sectors In Nigeria
Nigeria’s Poverty Rate by Sectors Will able-bodied young people be better off or worse off with Nigeria’s agricultural practices? 0
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[INFOGRAPHICS] Loan Book and Non-Performing Loan of Nigerian Banks as at H1’2020
Loan Book and Non-Performing Loan of Nigerian Banks as at H1’2020 0
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[INFOGRAPHICS] FDI Inflows Into Selected African Countries In 2019
FDI Inflows into selected African countries in 2019 0
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Trade as a Tool for an Efficient Recovery
As economies now look for paths to recovery from the COVID-19 crisis, new evidence reaffirms that policies for more open and trade-integrated economies could significantly benefit domestic competition and ultimately may help lower…
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IMF Lending During the Pandemic and Beyond
In the face of unprecedented uncertainty and the severe economic impact triggered by COVID-19, the Fund continues to adapt its lending. At the same time, it aims to ensure realistic targets, uphold the…
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Charting a Path for a Resilient Recovery in Sub Saharan Africa
As we all continue to grapple with the COVID‑19 crisis, policymakers also need to look ahead. Countries need to ensure that the vast global fiscal support deployed to fight the pandemic also works…
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Air pollution: A silent killer in Lagos
As Nigeria’s economic hub, Lagos is one of the world’s fastest-growing megacities, but this rapid growth has had a downside with high rates of illness and premature death caused by unhealthy air.
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COVID-19: Without Help, Low-Income Developing Countries Risk a Lost Decade
While the COVID-19 crisis is sending shockwaves around the globe, low-income developing countries (LIDCs) are in a particularly difficult position to respond. LIDCs have both been hit hard by external shocks and are…
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Unemployment in Today’s Recession Compared to the Global Financial Crisis
There has been much discussion in recent months about how workers who transitioned to working from home—and those who were deemed “essential”—are less affected by the layoffs and job losses brought on by…
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Nigeria: A Frail Giant?
Since President Muhammadu Buhari's re-election in 2019, the country has faced a myriad of social and economic challenges. Inflation had surged from 11.40% in May 2019 to 17.33% last month; the Naira has…
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Nigeria’s Cement Industry in 2020: The Boom Amidst the Burst
Dangote cement plc reported a 23% Return on Invested Capital (ROIC), which overshot its nearest competitor (BUA) by 600bps. Lafarge came in a distant third with an ROIC of 6%. We, however, note…
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Managing Divergent Recoveries
It is one year into the COVID-19 pandemic and the global community still confronts extreme social and economic strain as the human toll rises and millions remain unemployed. Yet, even with high uncertainty…
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Monetary Policy at a Crossroad: Policymakers Need to Break Promise of Easy Money to Avoid Boom-Bust
The Federal Reserve's new policy approach is that policymakers want to see "actual progress, not forecast progress" before deciding to change its policy stance. Substantial actual progress is occurring in the economy, some…
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How Rising Interest Rates Could Affect Emerging Markets
Emerging and developing economies are viewing rising interest rates with trepidation. Most of them are facing a slower economic recovery than advanced economies because of longer waits for vaccines and limited space for…
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Slow-Healing Scars: The Pandemic’s Legacy
Recessions wreak havoc and the damage is often long-lived. Businesses shut down, investment spending is cut, and people out of work can lose skills and motivation as the months stretch on. But the…
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Commercial Real Estate at a Crossroads
Empty office buildings. Reduced store hours. Unbelievably low hotel room rates. All are signs of the times. The containment measures put in place last year in response to the pandemic shuttered businesses and…
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Charting the Path towards Affordable Housing in Nigeria
Each time the word housing pops up, especially the challenges that come with owning /acquiring a house, Affordable Housing or Housing Affordability follows as it is one of the major, if not the…
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Questions and Answers Segment with the Founders of SCALE
Being the transcript of the questions and answers segment of the discussions with the founders of SCALE which was held at the GIFTEDANALYSTS WhatsApp group chat on 20th March 2021.
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How to Analyze the Financial Statement of Banks
Like any other companies, financial institutions prepare financial statements for regulatory purpose and assist their users in making economic decisions. However, banks' business models are different from other companies. Thus they attract a…
