The State of Enterprise 2025 Report2025年企业状况报告2025年企業狀況報告

Now in its fourth edition, EnterpriseNGR's State of Enterprise Report provides an in-depth analysis of Nigeria's Financial and Professional Services (FPS) sector, covering nine sub-sectors: Banking, Insurance, Capital Markets, Asset Management, Non-interest Finance, Pensions, FinTech, Professional Services, and Sustainable Finance. The report finds that in 2024, despite currency volatility, fiscal constraints, and inflation reaching 34.80% by December — the highest in nearly three decades — Nigeria's economy demonstrated resilience, with full-year GDP growth of 3.4%, up from 2.74% in 2023, driven largely by the non-oil economy, which grew 3.27% and accounted for 94.49% of GDP. Financial institutions increased their contribution to national output, accounting for ₦6 of every ₦100 generated, up from ₦5 the previous year.EnterpriseNGR《企业状况报告》现已推出第四版，对尼日利亚金融与专业服务（FPS）行业进行了深入分析，涵盖银行、保险、资本市场、资产管理、非利息金融、养老金、金融科技、专业服务及可持续金融九个子行业。报告指出，2024年尽管面临货币波动、财政制约及通胀压力（12月通胀率达34.80%，为近三十年最高水平），尼日利亚经济仍展现出强劲韧性，全年GDP增速达3.4%，高于2023年的2.74%，主要由非石油经济带动，该板块增长3.27%，占GDP比重达94.49%。金融机构对国家产出的贡献进一步提升，每创造100奈拉产出中就有6奈拉来自金融机构，高于上一年度的5奈拉。EnterpriseNGR《企業狀況報告》現已推出第四版，對奈及利亞金融與專業服務（FPS）行業進行了深入分析，涵蓋銀行、保險、資本市場、資產管理、非利息金融、養老金、金融科技、專業服務及可持續金融九個子行業。報告指出，2024年儘管面臨貨幣波動、財政制約及通脹壓力（12月通脹率達34.80%，為近三十年最高水平），奈及利亞經濟仍展現出強勁韌性，全年GDP增速達3.4%，高於2023年的2.74%，主要由非石油經濟帶動，該板塊增長3.27%，佔GDP比重達94.49%。金融機構對國家產出的貢獻進一步提升，每創造100奈拉產出中就有6奈拉來自金融機構，高於上一年度的5奈拉。

By sub-sector, the report finds Deposit Money Banks scaled up their asset base by 39.6% to ₦170.02 trillion (63.1% of nominal GDP); insurance Gross Premiums Written were projected to reach ₦1.47 trillion for full-year 2024, up from ₦1.003 trillion in 2023; the NGX All Share Index climbed 37.65% to 102,926.40 points while market capitalization surged 53.4% to ₦62.76 trillion; pension Retirement Savings Account holders grew 2.9% to 10.58 million with industry AUM expanding 22.6% to ₦22.51 trillion (about 8% of GDP); and Nigeria led Africa in tech funding in 2024 with $331.64 million raised — nearly 30% of the continent's total — even as overall African tech funding fell 53.5%. Non-interest finance industry size expanded to over ₦4.4 trillion, and the professional services sector, comprising 39,000 ICAN-registered accountants and over 144,000 lawyers, contributed ₦2.49 trillion (3.1%) to GDP.分行业来看，报告显示，存款货币银行资产规模增长39.6%，达170.02万亿奈拉（占名义GDP的63.1%）；保险业毛承保保费预计2024年全年将达1.47万亿奈拉，高于2023年的1.003万亿奈拉；尼日利亚证券交易所全股指数上涨37.65%，达102,926.40点，市值飙升53.4%，达62.76万亿奈拉；养老金个人退休储蓄账户持有人数量增长2.9%，达1058万人，行业资产管理规模增长22.6%，达22.51万亿奈拉（约占GDP的8%）；2024年尼日利亚科技融资额达3.3164亿美元，领跑非洲，占全非洲总融资额近30%，尽管非洲整体科技融资额同比下滑53.5%。非利息金融行业规模扩大至超过4.4万亿奈拉，拥有3.9万名ICAN注册会计师及逾14.4万名执业律师的专业服务行业则为GDP贡献了2.49万亿奈拉（占比3.1%）。分行業來看，報告顯示，存款貨幣銀行資產規模增長39.6%，達170.02萬億奈拉（佔名義GDP的63.1%）；保險業毛承保保費預計2024年全年將達1.47萬億奈拉，高於2023年的1.003萬億奈拉；奈及利亞證券交易所全股指數上漲37.65%，達102,926.40點，市值飆升53.4%，達62.76萬億奈拉；養老金個人退休儲蓄賬戶持有人數量增長2.9%，達1058萬人，行業資產管理規模增長22.6%，達22.51萬億奈拉（約佔GDP的8%）；2024年奈及利亞科技融資額達3.3164億美元，領跑非洲，佔全非洲總融資額近30%，儘管非洲整體科技融資額同比下滑53.5%。非利息金融行業規模擴大至超過4.4萬億奈拉，擁有3.9萬名ICAN註冊會計師及逾14.4萬名執業律師的專業服務行業則為GDP貢獻了2.49萬億奈拉（佔比3.1%）。

The report also charts EnterpriseNGR's own institution-building work, notably the Lagos International Financial Centre (LIFC) initiative, whose Council is co-chaired by the Governor of Lagos State and EnterpriseNGR's Chairman, and its Youth of Enterprise (YOE) internship programme, which has attracted over 89,000 applications and placed more than 2,000 young graduates. Looking ahead, the report concludes that sustaining growth will require deepening financial inclusion, strengthening regulation, expanding sukuk issuance, improving fintech interoperability, and retaining professional-services talent, while the FPS sector's continued expansion positions Nigeria to advance its ambition of becoming Africa's premier financial centre.报告还梳理了EnterpriseNGR自身的机构建设成果，尤其是拉各斯国际金融中心（LIFC）项目——其理事会由拉各斯州州长与EnterpriseNGR主席共同担任联合主席，以及其"企业青年"（YOE）实习计划，该计划迄今已吸引超过89,000份申请，并安排逾2,000名应届毕业生获得带薪实习机会。展望未来，报告认为，要维持增长势头，须进一步深化普惠金融、加强监管、扩大苏库克（伊斯兰债券）发行规模、提升金融科技的互联互通能力，并留住专业服务领域人才；而FPS行业的持续扩张，也将助力尼日利亚朝着成为非洲首要金融中心的目标稳步迈进。報告還梳理了EnterpriseNGR自身的機構建設成果，尤其是拉各斯國際金融中心（LIFC）項目——其理事會由拉各斯州州長與EnterpriseNGR主席共同擔任聯合主席，以及其「企業青年」（YOE）實習計劃，該計劃迄今已吸引超過89,000份申請，並安排逾2,000名應屆畢業生獲得帶薪實習機會。展望未來，報告認為，要維持增長勢頭，須進一步深化普惠金融、加強監管、擴大蘇庫克（伊斯蘭債券）發行規模、提升金融科技的互聯互通能力，並留住專業服務領域人才；而FPS行業的持續擴張，也將助力奈及利亞朝著成為非洲首要金融中心的目標穩步邁進。