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Sector

Consumer Trade

Wholesale, modern retail, open markets, e-commerce and trade finance — the cash-flow backbone of consumer Nigeria.

5 sub-sectorsNeutralRisk: Moderate
Market size
₦58.0T
YoY growth
+11.6%
Forecast (12m)
+12.4%
EBITDA margin
7.4%
Sentiment score
+18
Risk score
42/100

Sector summary

Wholesale, modern retail, open markets, e-commerce and trade finance — the cash-flow backbone of consumer Nigeria.

Key drivers

  • Digital wholesale platforms
  • Modern retail expansion
  • Trade finance liquidity

Top risks

  • FX for trade goods
  • Credit risk on retailers
  • Border policy