Youโve been told banks are safe, right? That they guard your money.
Now, let me shock you.
Banks donโt just sit on your money. They use it to make more money for themselves.
You get only a tiny fraction in return as interest.
Hereโs how they do it.
1๏ธโฃ When you deposit your hard-earned cash, you are actually lending it to the bank. Yes, your money is now theirs to use. They might pay you a small interest. 7%, 5%, or sometimes even less but thatโs just a token.
2๏ธโฃ The bank takes your money and lends it to big companies like BUA at 18%, or to ordinary people at almost 30%. That difference between what they charge minus what they pay you is called Net Interest Income. Thatโs their profit.
3๏ธโฃ They donโt stop there. Banks take your money and use it everywhere. Federal agencies, state governments, private companies, even diaspora money. Every naira is turned into profit somewhere.
4๏ธโฃ After salaries, taxes, and other expenses, a well-run bank can make trillions of naira in profit, all built on the money you trusted them with.
๐ Meanwhile, you get โinterest.โ Crumbs. Peanuts.
Money that barely beats inflation.
Money that grows so slowly, you can almost watch it disappear.
Now, I need you to feel this. Imagine spending years saving, thinking youโre growing your wealth, only to realize someone else has been building their empire with your money.
Painful, right?
But hereโs the good news, if banks can turn your money into wealth, so can you.
You donโt have to settle for crumbs.
You donโt have to watch your money sit idle while inflation eats it away. You can:
โ Learn to invest in assets that grow over time
โ Make your money work as hard as it does for the banks
โ Build a future where your wealth isnโt measured in interest payments, but in freedom and choices
Stop just โsaving.โ Start putting your money to work. in stocks, in mutual funds, in businesses, in yourself.
Let your money multiply, not just sit there waiting to lose value.
Your money has power.
The question is, will it work for you, or just continue working for banks?






