Personal sector credit score rose to N75.8 trillion in December 2025, up from N74.63 trillion in November, reflecting a modest rebound in lending actions on the finish of the 12 months.
The info was launched by the Central Bank of Nigeria (CBN) as a part of its newest financial and credit score statistics.
Whereas the rise factors to enhancing lending momentum, general credit score ranges stay under their peak within the corresponding interval of the earlier 12 months, demonstrating the cautious restoration underway.
What the information is saying
Personal sector credit score rose by about N1.17 trillion month-on-month in December 2025, signalling a rebound after a number of months of weak point earlier within the 12 months.
The development means that latest financial coverage actions by the Central Bank of Nigeria (CBN) could also be steadily influencing lending behaviour throughout the banking system.
Credit score to the personal sector elevated from N74.63 trillion in November 2025 to N75.8 trillion in December 2025.
Regardless of the month-on-month achieve, the December determine stays under the N78.02 trillion recorded in December 2024, indicating that lending has but to completely get better to final 12 months’s ranges.
Over the course of 2025, personal sector credit score fluctuated inside a broad vary of N72 trillion to N78 trillion, reflecting persistent volatility in monetary circumstances.
Lending opened the 12 months at N77.3 trillion in January 2025 and climbed to a peak of N78.07 trillion in April earlier than getting into a sustained decline from Might.
The downturn was pushed by tight monetary circumstances, heightened danger aversion by banks, and lingering macroeconomic uncertainties.
General, the December improve represents a partial restoration relatively than a full reversal of the 12 months’s earlier decline, nevertheless it factors to renewed momentum following months of uneven credit score efficiency.
In the meantime, internet home credit score—which measures complete lending to each the federal government and the personal sector—rose sharply to N110.05 trillion in December 2025, up from N100.98 trillion in November 2025.
The December determine additionally displays a year-on-year improve from N105.16 trillion in December 2024, underscoring sustained development in home lending over the 12-month interval.
The regular growth in internet home credit score suggests elevated borrowing exercise throughout the economic system, pushed largely by increased authorities financing wants alongside continued, albeit uneven, credit score extension to the personal sector.
What you must know
In September 2025, the MPC lowered the Financial Coverage Price by 50 foundation factors to 27 per cent, signalling a shift towards easing financial circumstances.
The rise in cash provide is pushed by shifts in each the online international property (NFA) and internet home property (NDA) of the banking system.
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