Nigerian Banks Fail to Deliver on Their Threat to Shake Up Ugandan Market Seventeen years after promising to “crash queues” and shake up Uganda’s banking sector, Nigerian banks are instead watching from the sidelines. United Bank for Africa and GTBank have struggled with weak lending, shrinking profits, and minimal market share—surviving more on government securities than customers. Meanwhile, local, Kenyan, and South African banks are racing ahead with deposits, credit, and relevance.