Cloud Pattern Consulting @Pattern_Consult

A major shake-up in East Africa's banking landscape! South Africa's @Nedbank has acquired a controlling 66% stake in NCBA Group, creating a powerful financial services platform connecting East and Southern Africa. NCBA will retain its brand, Nairobi headquarters and stock exchange listing as the two banking giants target regional growth, trade and investment opportunities. What does this mean for banking competition in East Africa? Read the full story: ceo.co.ug/south-africas-…

#LeadershipInsights Taking responsibility Consult widely. Own the final decision. Invite honest input, listen to the people with relevant expertise and weigh their advice carefully. Once you make the call, take responsibility for the outcome. When things go wrong, acknowledge it and work to put them right. @DavidAWandera, Managing Director of @AbsaUganda, on the responsibility that comes with leadership. #CEOEastAfrica #Leadership #Accountability #DavidWandera

Our nation’s future grows with every Ugandan who dares to dream, works hard and plans for tomorrow. As we celebrate our independence, let’s keep building a stronger Uganda and a more secure future for generations to come.

In 2023, The Fund invested UGX 199 billion in Airtel Uganda’s Initial Public Offer (IPO), acquiring over 4.21 billion shares and securing a 10.547% stake in the company, a stake we continue to hold today. That investment has continued to deliver. Today, The Fund received a UGX 42.6 billion dividend cheque for the year ended December 2025, bringing total gross dividends earned since 2023 to UGX 82.3 billion.

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Africa’s trade finance gap is estimated at $100 billion to $120 billion annually, with SMEs particularly affected by the shortfall. Our latest article explores how banks are helping SMEs navigate payments, supply chains, exports and access to new markets. Read the article now:

One of the best things you can read today from Richard Thaler, the founding father of behavioral economics.

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Within 20 months of its introduction in November 2024, Smartlife Flexi members had saved over UGX 180 billion. As shared at The Fund’s 14th Annual Members’ Meeting, the milestone reflects the growing commitment to voluntary saving for the future.

The Fund’s contribution to Uganda goes beyond members’ savings. In FY 2025/26, we paid UGX 301 billion in income tax, contributing to the country’s public revenue as we continued to protect and grow members’ savings.

Every investor should pin this to his wall

Ray Dalio. Paul Tudor Jones. Steve Cohen. The three most feared traders on Wall Street all survived Black Monday using the same document - and made sure the MIT professor who wrote it never had to work again. A 2026 classified working note restored from MIT's restricted archive. "Probability & Risk." The framework that let $2B desks calculate exactly how much they could lose before they lost it. On Black Monday, the traders who had it walked away with portfolios intact. Some walked away up. Their gratitude made him a fortune. Here's what was inside. Value at Risk. Expected Shortfall. The Efficient Frontier. Every risk desk at Goldman Sachs, Citadel, and Bridgewater runs these exact calculations on $100B+ in assets today. In 1987, when Black Monday wiped $500 billion off the market in a single day - the traders who had this framework knew their number before the bell rang. They sized positions accordingly. They survived. The ones who didn't have it got margin-called into zero. The core idea: VaR tells you how much you might lose. Expected Shortfall tells you how much you can really lose when markets break. The difference between those two numbers is what separates a fund that survives a crash from one that gets liquidated at the bottom. Monte Carlo simulation. 10,000 paths modeled before a single dollar goes at risk. The document runs the exact calculation - 12% expected return, -2.8% VaR on worst days. Bridgewater uses the same method on $150B today. So does every quant desk paying analysts $600k+ to run it. Watch the moment [Fig. 2] The Efficient Frontier. One curve. Every point below it: you're leaving money on the table. Every point above it: impossible. One point on the curve: the portfolio that survives anything. The chart that told $2B traders exactly where to stand before the floor collapsed. MIT Mathematical Methods for Financial Decisions - Restricted, 2026 Declassified from archive bookmark this

Lupen @0xLupenn

3 months ago

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How to X-Ray a company in 15 minutes (or more).

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Uganda's unit trusts grew from UGX 3.85T to UGX 6.3T in about 15 months. The stock exchange has been open since 1997 and still can't crack 20 listed companies. Same investors. Wildly different traction. Here's why Unit trusts: deposit, watch your balance, redeem when you want. One relationship, full control. USE: pick a broker, fund through them, confirm every trade, pay a fee on top. Control sits with the middleman, not you. Brokers exist for real reasons; protection, trade matching, market integrity. Not unique to Uganda. But USE already proved the fix works: simplified CSD access drove real growth in retail bond participation. The lesson: every layer of intermediation is behavioural drag. Cut the drag, keep the protections that matter, and participation follows.