In a financial sector often driven by balance sheets and bottom lines, Joseph Mugume has spent 25 years proving that sustainable growth begins with people. As Chief Executive Officer of…
As schools across Uganda reopen for the first term of the academic year, dfcu Bank has rolled out a nationwide back-to-school campaign aimed at easing the heavy financial burden that…
Centenary Bank and Bees and Trees Uganda launched the Coffee Agroforestry for Environment and Livelihood Enhancement initiative, aimed at restoring degraded land, promoting environmental conservation, improving livelihoods, and strengthening financial inclusion. The initiative aims to tackle the challenges of environmental degradation and rural poverty by blending tree planting, coffee farming and beekeeping as a pathway to restoring degraded land while creating new income opportunities for rural households. The partnership that was officially launched in Wokukiri village, Mbale district is bringing together farmers, women’s groups, youth leaders, local officials and bank staff to participate in tree planting, financial education and hands-on…
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There are years when an industry grows quietly, and then there are years when it changes character. For Uganda’s insurance industry, 2025 was unmistakably a change of character. Viewed from the numbers side, it was a strong year. By mid-year, insurers had written UGX 1.02 trillion in gross premiums, an 8.78% increase from the same period in 2024. Claims paid reached UGX 443 billion, meaning nearly half of all premiums collected were already being returned to policyholders. For Ibrahim Kaddunabbi Lubega, Chief Executive Officer of the Insurance Regulatory Authority (IRA), that balance mattered more than topline growth. “Premium growth without…
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By Maryann Wanjiku Michuki There is a truth many of us quietly live with: in Uganda, one medical emergency can change everything. A Twitter user once captured it painfully well when they wrote, “In Uganda, you are always one medical emergency away from a car wash crowdfunding.” It was meant as humour, but it reflects a reality that is anything but funny. I know this reality personally. When my mother was diagnosed with cancer, our world shifted. We were fortunate; we had resources, access, and the privilege of choice. But in hospital corridors, I saw families who held nothing but…
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This festive season, Pearl Bank (formerly PostBank Uganda) reminded customers that banking can still feel human, warm, and personal, as it concluded its Christmas campaign dubbed “Pearl Santa.” The campaign culminated in courtesy visits to key media houses including Nation Media, Vision Group and Next Media, in appreciation of their continued support in shaping and amplifying the Pearl Bank story, particularly during the Bank’s transition from PostBank to Pearl Bank. The Christmas season is traditionally marked by togetherness, joy and shared moments with family and friends, and Pearl Bank aligned its festive engagement to reflect this spirit. Through surprise visits,…
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Mobile money agents are the engine of Uganda’s everyday economy, and this is most visible on weekends. From Friday evening through Sunday, transaction volumes surge as customers trade, pay, and move money. The dfcu Weekend Agent Float Loan was designed with one clear purpose: to ensure agents never lose business simply because they have run out of float when demand is highest. Douglas Nidoi, Ecosystems Manager at dfcu Bank, answers some of the most frequently asked questions about the product. Q: What is the dfcu Weekend Agent Float Loan? A: The dfcu Weekend Agent Float Loan is a short-term, fully…
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Mobile money is the backbone of Uganda’s everyday economy. With over 30 million registered accounts and trillions of shillings transacted every month, mobile money powers how Ugandans pay, trade, and support one another. Much of this activity peaks on weekends. Across the country, Saturdays and Sundays record some of the highest transaction volumes, driven by market days, travel, social functions, remittances, and informal trade. For mobile money agents in taxi parks, trading centres, and neighbourhood kiosks, weekends are often the most profitable days of the week. Yet they have also been the most frustrating. When demand is highest, access to…
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Appointed in June 2020, Peter Ssenyange is the Chief Financial Officer at Pearl Bank (formerly PostBank Uganda Limited), and is part of the leadership team that is transforming the bank into a value driver in the Ugandan economy. Under his leadership, the bank has achieved sustainability certification, won the Sustainability Award, and he was named CFO of the Year for his role in redefining sustainable finance and corporate governance in Uganda at the CFO Awards 2025, an initiative launched by Deloitte Uganda and ACCA Uganda. The awards highlight the critical role played by finance professionals in driving financial stewardship, strategic…
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By Peter Ssenyange For a long time, the success of a bank was measured in numbers: quarterly margins, loan-to-deposit ratios, and cost-to-income efficiency. But today, that narrative is being rewritten. In an era defined by global uncertainty, environmental awareness, and social transformation, profitability alone no longer tells the full story. The question that defines the future of banking is not whether a bank can be profitable, but whether it can be relevant to its customers, its community, and its country. As we transition from PostBank Uganda to Pearl Bank Uganda, we have embraced this truth as the foundation of our…
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