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Only 20 of Nigeria’s 33 deposit money banks have met the Central Bank of Nigeria’s (CBN) new minimum capital requirements less than a month before the March 31, 2026, deadline, CBN governor Olayemi Cardoso said. “Of the 33 banks that have raised additional capital, 20 have met the new minimum capital requirements, reaffirming the steady progress towards a more robust capitalised financial system,” he said during the Monetary Policy Committee (MPC) briefing on Tuesday. His comments come as Nigeria’s most ambitious banking recapitalisation drive in nearly two decades enters its final stretch, with lagging lenders facing shrinking options ahead of the March deadline. The recapitalisation exercise, first announced in 2024, is meant to strengthen banks’ balance sheets amid rising inflation, currency volatility, and growing credit risks, while positioning lenders to finance Nigeria’s long-term ambition of becoming a $1 trillion economy. The CBN also expects stronger capital buffers to restore investor confidence, absorb unexpected shocks, and improve financial system stability following years of macroeconomic pressure. Under the new regime, banks must meet minimum paid-up capital based on their operating licences: international banks to ₦500 billion ($370.58 million), national banks to ₦200 billion ($148.23 million), regional banks to ₦50 billion ($37.06 million), merchant banks to ₦50 billion ($37.06 million), non-interest banks with national authorisation to ₦20 billion ($14.82 million), and non-interest banks with regional authorisation to ₦10 billion ($7.41 million). A recent report by S&P Global Ratings, an international credit rating agency, shows that most of Nigeria’s largest lenders have already crossed the regulatory threshold. According to the rating agency, nine of the 10 rated commercial banks, which together account for roughly 80% of total banking system assets, already meet the new capital requirements. The banks collectively raised about ₦2.3 trillion ($1.71 billion) in fresh capital during 2025. “We anticipate that some smaller banks may explore options such as mergers or business model adjustments to ensure compliance with the new capital requirements,” S&P said. Although the CBN did not disclose which lenders have fully complied, several tier-one banks, including Guaranty Trust Holding Company Plc (GTCO), have publicly announced successful capital raises. With the deadline approaching, attention is now shifting toward smaller and mid-tier lenders that may still be weighing consolidation or strategic partnerships to meet the requirement. Unity Bank Plc and Providus Bank Limited recently announced that their proposed merger is nearing completion, with the combined entity’s capital base surpassing ₦200 billion ($148.23 million).
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Table of contents Samsung Galaxy Unpacked January 2025 Samsung Galaxy Unpacked July 2025 Samsung Galaxy Unpacked February 2026 2025 vs 2026: What’s the difference? The global smartphone industry is now driven by AI built directly into your device. For Samsung Electronics, the main stage for showing this vision is the Galaxy Unpacked event series. What started as a simple product launch has grown into a major showcase of its ecosystem and chip strength. The first Unpacked took place in June 2009 at CommunicAsia in Singapore, where Samsung introduced the Samsung S8000 Jet and the i8000 Omnia II. Since then, nearly three dozen major events have been held across cities such as Barcelona, Berlin, New York City, and San Jose, each advancing consumer tech. The February 2026 event in San Francisco is important for you and other global users, especially across Africa. It represents the peak of Samsung’s multi-year shift toward Truly Personal and Adaptive AI, built around its Integrated Device Manufacturer advantage. While earlier launches focused on generative AI, 2026 centres on autonomous agents. Your device is expected to anticipate your needs across more form factors, including smart eyewear and tri-folding displays. Samsung Galaxy Unpacked January 2025: The foundation of the AI phone On January 22, 2025, in San Jose, California, Samsung introduced what it called the “AI Phone.” This event centred on the Galaxy AI ecosystem, where software and intelligence shaped the experience more than raw specs. The Galaxy S25 series included the S25, S25+, and S25 Ultra, built as high-performance devices for a new phase of mobile AI. At the core was the customised Snapdragon 8 Elite Mobile Platform for Galaxy. It powered One UI 7 and delivered major gains over the Galaxy S24: 40% improvement in the Neural Processing Unit 37% increase in CPU performance 30% boost in GPU efficiency These upgrades enabled multimodal AI agents to understand text, speech, images, and video simultaneously, giving you more natural, context-aware interactions. The Galaxy S25 Ultra stood out with: A 6.9-inch display protected by Corning Gorilla Armor 2, the industry’s first anti-reflective glass ceramic A 50MP ultra-wide camera alongside a 200MP main sensor for better Nightography Samsung also added a 40% larger vapour chamber to manage heat during gaming and AI video editing, helping your device stay stable under pressure. On the software side, One UI 7 introduced: Now Brief, which learns your routine and shows updates like weather, health data, and daily tasks on your lock screen AI Select and Drawing Assist inside the Edge Panel to summarise articles and turn sketches into detailed images Samsung also included six months of Gemini Advanced and 2TB of cloud storage at no extra cost, strengthening its partnership with Google and its vision of Android with AI at the core. The Galaxy S25 Edge was teased as a slimmer option. At 5.8mm thick, it used a titanium frame and Gorilla Glass Ceramic 2 for durability. To achieve this design, Samsung removed the telephoto lens and reduced the battery capacity to 3,900 mAh. It sat between the Plus and Ultra models as a premium design choice for users who cared about style over telephoto power. Samsung Galaxy Unpacked July 2025: Foldables and comprehensive wellness On July 9, 2025, in Brooklyn, New York, Samsung shifted focus to foldables and wearables. This event centred on the seventh generation of foldable devices and an expanded Galaxy Watch lineup. The message was clear: AI tailored to specific form factors, such as foldables and watches. Galaxy Z Fold 7 Samsung positioned the Galaxy Z Fold 7 as its slimmest and most powerful Fold yet. Key details: 6.5-inch cover screen and an 8-inch main display, larger than the previous generation 200 megapixel wide-angle camera, bringing S series-level photography to a foldable It ran on the Snapdragon 8 Elite for Galaxy with Vulkan optimisations for better gaming performance and smoother graphics. Galaxy Z Flip 7 and Flip 7 FE The Galaxy Z Flip 7 received a major redesign: 4.1-inch edge-to-edge Flex Window with 120Hz refresh rate Largest battery in the Flip series and a 50 megapixel camera powered by the ProVisual Engine Samsung also launched the Galaxy Z Flip 7 FE. It kept the foldable design and the 50MP camera but came at a lower starting price, giving you a more affordable entry into premium foldables. Galaxy Watch 8 Series The Galaxy Watch 8 series included: Standard model Classic with the returning rotating bezel Ultra 2 These were the first smartwatches to ship with Google’s Gemini out of the box. They ran on Wear OS 6 and One UI 8 Watch. New health features included Vascular Load, which tracked stress on your vascular system during sleep, and Antioxidant Index, which measured carotenoid levels for insights into healthy ageing. Software and sustainability Samsung introduced One UI 8, optimised for foldables and supported by KEEP (Knox Enhanced Encrypted Protection) for sensitive data. All new foldables launched in July 2025 ran on Android 16 with enhanced AI and security tools. Samsung also highlighted sustainability. The new foldables used nine recycled materials, including plastics from discarded fishing nets and recycled lithium. Samsung Galaxy Unpacked February 2026: The era of personalised AI and smart eyewear On February 25, 2026, in San Francisco, Samsung pushed beyond smartphones into what it calls the “Next AI Phone,” integrating XR experiences. The theme, “Your Companion to AI Living,” focuses on advanced AI that runs directly on your device for speed and privacy. While the Galaxy S26 series is the headline launch, the event also highlights smart glasses and the global rollout of the Galaxy Z TriFold. Galaxy S26 Series The Galaxy S26 lineup includes the S26, S26+, and S26 Ultra. The design shifts to a cleaner look, with a minimalist camera module replacing the separate lens rings of earlier models. The S26 Ultra stands out with: A 6.9-inch M14 OLED display reaching 3,000 nits peak brightness A 200MP main camera with a wider aperture that allows 47% more light into the sensor This upgrade improves motion handling
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In January, a group of African investors and executives, including Tomi Davies, the founding president of the African Business Angel Network (ABAN), and Babs Ogundeyi, CEO of Nigerian neobank Kuda, smiled for pictures at the London Stock Exchange to launch the Africa Tech 50 Index (AT50), a quarterly, rules-based benchmark measuring how prepared African startups are for public listings. The AT50 assesses companies using a six-pillar framework covering valuation momentum, revenue strength, liquidity, corporate governance maturity, expansion strategy, and broader market signals. “The goal is to make Africa’s most scaled private companies visible through a framework global capital can see, trust, and price,” said Karima El Hakim, a partner at Plug and Play and a member of the AT50 Governance Council. An independent governance council oversees the index to ensure discipline and uniform application of its rules. “It’s exciting because it gives a lot of awareness to African companies,” said Ogundeyi, adding that African startups could potentially list on the London bourse. The search for exit pathways in African tech has now set eyes on the London Stock Exchange, after a decade in which billions of dollars from U.S. and European development finance institutions and venture capital firms poured into African tech, with few comparable exits. Since 2019, over 20 African startups, including MNT-Halan, Flutterwave, Wave, and M-KOPA, have raised mega rounds and are now approaching a decade in operation without listing publicly. A benchmark such as the AT50 could help bridge that gap, giving mature startups greater visibility with later-stage investors and creating clearer pathways to growth capital or eventual exits. “If a company comes in on the AT50, they are potentially on the pathway to being able to raise capital on the private market of the London Stock Exchange,” said Sir John Lazar, the president of the Royal Academy of Engineering. “What we want is an IPO in London of an African tech company.” For this week’s Ask an Investor, I spoke to Gbite Oduneye, who chairs the AT50, via email to understand why now is a good time for the index, what African startups have missed when exiting globally, how the index requires disclosures, the business model behind the index, and what this could change for African tech. This interview has been edited for length and clarity. You’ve described AT50 as market infrastructure, not hype. What specific market failure are you correcting? Africa does not have a capital shortage. It has a capital translation gap. Private companies scaled. Public markets did not receive a structured, comparable pipeline. AT50 builds the missing institutional layer between private scale and public capital. African tech companies have raised billions privately. Why do you think it hasn’t translated into public-market pathways? Private markets priced momentum. Public markets’ price discipline. Growth was funded. Governance maturity was not institutionalised early enough. AT50 introduces that discipline before listing, not after. What changed in the last 24 months that made this index necessary now? The reset exposed the difference between narrative and durability. Capital became selective. Exchanges became proactive. Secondary liquidity became structural. Infrastructure had to catch up with maturity. What is the biggest illusion in African private tech valuations today? Valuation is negotiated. Readiness is audited. That gap explains much of the friction. After investing £1 billion in Africa in 2024, BII’s Africa head explains the sectors driving its biggest bets Governance maturity is one of your pillars. How do you measure it? The AT50 measures this through observable institutional signals. The first is board structure and independence, auditing readiness and reporting cadence, committee architecture, the startup’s regulatory posture, and its disclosure behaviour. Governance is not opinion. It is structure. Will AT50 require companies to disclose metrics that they previously kept private? We do not compel disclosure, but we reward verifiable transparency. Signal strength increases with disclosure discipline. What level of financial transparency should African late-stage companies realistically be prepared for today? Audit-grade reporting. Consistent metrics. Board-level oversight. Institutional cadence. Public markets are not allergic to growth. They are allergic to opacity. You referenced credible liquidity pathways. What does ‘credible’ mean in the AT50 context? Credible means structured and defensible. IPO readiness. Dual listing feasibility. Regulated secondary liquidity. Strategic exits with institutional governance. Not aspiration. Preparation. Are you envisioning IPOs in London or dual listings, or domestic exchanges? Venue is secondary. Standards are primary. Africa’s growth story must be priced locally but recognised globally. Stronger domestic listings aligned to international comparability create long-term depth. Is there enough depth in African public markets to absorb scaled tech listings today? Depth grows with supply quality. Markets do not deepen from sentiment. They deepen from repeatable issuer readiness. What would have to change structurally for Lagos, Nairobi, or Johannesburg to host meaningful tech IPOs? Issuer preparation must begin earlier. Listing rules must accommodate growth companies. Analyst coverage and liquidity support must improve. Governance enforcement must be consistent. Preparation cannot begin at filing. It must begin years earlier. International investors often price Africa with a structural risk premium. Can an index realistically reduce that? An index does not eliminate risk. It reduces uncertainty. Uncertainty is what inflates pricing friction. Repeated comparability reduces uncertainty over time. AT50 is governed under the IOSCO-aligned benchmark discipline. That matters because global allocators understand those standards. Image source: Africa Tech 50 Index (AT50). How do you compare fintech in Nigeria to SaaS in Egypt to mobility in Kenya within one index? We do not compare sectors. We compare readiness architecture. Revenue strength, governance maturity, liquidity visibility, strategic expansion, valuation momentum, and market signal. Sector nuance is contextualised, not flattened. What is the long-term business model behind Indexa Exchange Group? Indexa Exchange Group operates as a benchmark infrastructure platform. Our revenue streams include institutional subscriptions, index licensing, and exchange and capital markets partnerships. Commercial scaling follows institutional credibility. What revenue threshold makes a company realistically IPO-ready in this environment? There is no magic number. IPO readiness is the convergence of durable revenue, governance maturity, audit discipline, and market timing. Revenue without structure does not
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