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Lab · Macro

Nigeria Net Liquidity AKO:NNL

The Naira Tide — the CBN version of WALCL − TGA − RRP

In the US, traders watch one line: the Fed’s balance sheet, minus the cash the Treasury keeps at the Fed, minus the cash money-funds park back at the Fed overnight (WALCL − WTREGEN − RRPONTSYD). What is left is the liquidity actually loose in the system. Nigeria has every piece of that formula — the CBN publishes them monthly. This page puts them together, and explains each one in plain words.

NNL-RM (current)

₦41.49trn

Reserve money − OMO bills · Aug 2026

Reserve money

₦41.50trn

+17.4% y/y · Aug 2026

OMO bills held outside CBN

₦0.010trn

drain · Aug 2026

NNL-BS (balance sheet)

₦65.45trn

Assets − Govt deposits − CBN instruments · Nov 2023

NNL-RM · reserve money − OMO bills (1993 → latest)

₦ trillions, right · NGX All-Share Index, left

Reserve money is everything the CBN has created (notes and coins plus banks’ balances at the CBN); OMO bills are what it has pulled back out. The difference is the nearest monthly reading of how much central-bank money is loose. The All-Share Index is overlaid from our own daily record, which builds forward from August 2026 — the overlap grows every month.

NNL-BS · CBN assets − government deposits − CBN instruments (2005 → Nov 2023)

₦ trillions

This is the exact Nigerian analogue of the US formula, from the CBN’s own monthly Statement of Assets & Liabilities. The CBN stopped publishing that statement after November 2023, so the line ends there; we show it because eighteen years of history is worth reading, and we will extend it the day the CBN resumes.

The pieces, one by one

Money and Credit Statistics · monthly, current

Statement of Assets & Liabilities · monthly to November 2023

Reserve money (base money)

₦41.50trn · Aug 2026

US counterpart: closest current stand-in for WALCL (Fed balance sheet)

The money the CBN itself has created: notes and coins in circulation plus the balances banks keep at the CBN. When this grows, the central bank has put more naira into the system; when it shrinks, it has pulled naira back. It is the CBN's monetary footprint, and the nearest thing we have, month by month, to the size of the Fed's balance sheet.

Source: CBN Money and Credit Statistics · field baseMoney · 403 months

Banks' reserves at the CBN

₦36.07trn · Aug 2026

US counterpart: reserve balances (WRESBAL)

What the banks hold at the CBN. In Nigeria most of this is not free to lend: the Cash Reserve Requirement (50% for commercial banks since 2024) forces banks to park half of every deposit here. So a large number is not the same as a flush banking system — much of it is locked.

Source: CBN Money and Credit Statistics · field bankReserves · 403 months

Currency in circulation

₦5.44trn · Aug 2026

US counterpart: currency component of the monetary base

Physical naira outside the CBN — in bank vaults, tills, pockets and mattresses. The cash-scarcity episode of early 2023 shows up here as a sharp dip.

Source: CBN Money and Credit Statistics · field currencyInCirculation · 403 months

CBN (OMO) bills held outside the CBN

₦0.010trn · Aug 2026

US counterpart: RRPONTSYD (overnight reverse repo)

Open Market Operation bills are how the CBN takes naira back out of the system: it sells a bill, the buyer's cash moves to the CBN until the bill matures. This is Nigeria's version of the Fed's reverse-repo drain. It was enormous in 2019–2020 (₦8 trillion) and has been wound down to almost nothing since 2022.

Source: CBN Money and Credit Statistics · field cbnBills · 200 months

Net foreign assets

₦37.39trn · Aug 2026

US counterpart: —

The naira value of the CBN's foreign reserves less its foreign liabilities. Because it is measured in naira, a devaluation makes it jump even if not a single dollar was added — read it alongside the exchange rate.

Source: CBN Money and Credit Statistics · field netForeignAssets · 403 months

CBN total assets

₦81.04trn · Nov 2023

US counterpart: WALCL (Fed total assets)

The whole CBN balance sheet: reserves, government securities it holds, loans and everything else. The direct equivalent of the Fed's WALCL. The CBN stopped publishing this monthly statement after November 2023, so the line ends there.

Source: CBN Statement of Assets & Liabilities · field totalAss · 225 months

Federal & State Government deposits at the CBN

₦0.83trn · Nov 2023

US counterpart: WTREGEN (Treasury General Account)

Government cash held at the central bank — since 2015 mostly the Treasury Single Account. Money sitting here is out of the banking system, exactly as cash in the US Treasury's account is. When government spends it, liquidity returns to the banks; when it collects taxes or borrows, liquidity leaves. Published to November 2023 only.

Source: CBN Statement of Assets & Liabilities · field govtDep · 225 months

Bankers' deposits at the CBN

₦19.65trn · Nov 2023

US counterpart: reserve balances (balance-sheet view)

The balance-sheet view of banks' money at the CBN, from the CBN's own accounts. Same idea as bank reserves above, different ledger; useful as a cross-check while both were published.

Source: CBN Statement of Assets & Liabilities · field bankers · 225 months

CBN instruments outstanding

₦14.76trn · Nov 2023

US counterpart: RRPONTSYD (balance-sheet view)

All the bills and notes the CBN has issued to absorb naira, as carried on its own balance sheet — the liability-side view of the OMO drain. Published to November 2023 only.

Source: CBN Statement of Assets & Liabilities · field cbnInstruments · 62 months

How to read it, and how not to. A rising line means the central bank has left more naira in the system than it has taken out; a falling line means the opposite. In the US the idea that this drives share prices is popular and contested in equal measure. In Nigeria there is an extra wrinkle: half of banks’ reserves are locked by the 50% Cash Reserve Requirement, so a large reserve-money number overstates what banks can actually deploy. Use the page to understand the CBN’s stance. It does not tell you what to buy.

Data: Central Bank of Nigeria, Money and Credit Statistics and Statement of Assets & Liabilities, refreshed weekly. The CBN is not affiliated with Akomalu and does not endorse it. NNL is an Akomalu construction — our arithmetic on the CBN’s figures — and is published here for education. Information only — not investment advice.