Banking, Nigeria
A banking system funded by private savings, in which the state has first call on each deposit before any of it is lent to firms and households.
Recent publications
How BTI Reports reads an economy
Every economy runs on the same structural logic. Five questions, asked in the same order, set out where an economy's stability comes from, how capital moves through it, what limits it, and whether that structure still holds. BTI Reports maps each country against this framework, not against the news cycle.
What holds the system together
Every economy has a primary capital source. Identifying it tells you what the system depends on, and what happens when it weakens.
Where activity is generated
Demand is not GDP growth. It is the mechanism that converts capital into economic activity. State-led, consumer-led, and export-led systems behave differently.
How capital moves through the system
The path capital takes from entry to activity to output determines how broadly wealth distributes, and where it concentrates.
What limits the system
Every model has a structural ceiling. Identifying the constraint tells you what the system cannot do, regardless of how much capital is available.
What tests the reading
An integrity signal is an observable condition that tests whether one part of the structure still operates as described. It is not a forecast.
What Holds an Economy Up, and What Holds It Back
A system-level framework that lets you read any economy using five structural variables, without needing to track every headline.
The same five questions, asked of every economy.
BTI Reports reads each economy through one fixed framework: what holds it up, and what holds it back. A country brief sets out that reading for a single market, with every claim traced to a logged source.
For InstitutionsA company profile inside an independent sector edition.
At most six companies are profiled in each edition, from a recorded interview with a named executive.
From the moment a company is listed as a prospective participant in an edition, it is not quoted in the analysis of any BTI Reports publication, whether or not it is contacted or takes part.