A mid-sized bank sets an ambitious target: grow the loan book by 25 percent in one year. The head of corporate banking delivers. By Q4, the loan book has expanded from UGX 800 billion to UGX 1 trillion. The board applauds. The executive earns a hefty bonus of UGX 500 million for exceeding the target. But hidden in the fine print is the risk: 45 percent of the new lending is concentrated in real estate developers. Average loan size has ballooned from UGX 3 billion to UGX 7 billion, increasing single-borrower exposure. Collateral is mostly land titles, whose value is…

In one mid-sized bank, the executive committee celebrated record loan growth. They cheered the numbers, cut a cake, and issued a press release. What no one said in the room was that over 40 percent of the new portfolio was concentrated in real estate developers with weak collateral and questionable repayment capacity. Eighteen months later, the same board faced a liquidity crunch and regulators breathing down their necks. The cost of ignoring risk was not just money; it was credibility, leadership stability, and market trust. Growth without resilience collapses fast Boards love good numbers, and Executives love applause. But growth…

In today’s digital economy, data has become one of the most valuable assets for organizations. Whether you are a bank, an NGO, a government agency, a school, or a manufacturing company, you collect and process personal data every day. Yet, with great opportunity comes great responsibility and risk. That is why Uganda enacted the Data Protection and Privacy Act (DPPA) 2019. This law establishes rules for the collection, storage, processing, and sharing of personal data. Compliance is no longer optional; it is a legal requirement, and organizations that ignore it risk: Heavy financial penalties Costly lawsuits Reputational damage Loss of…

In most organizations, staff work harder than their bosses ever know. They push deadlines, stay late, sacrifice weekends, and show up every day with commitment and resilience. Yet, their voices remain muted, their struggles invisible. Policies are drafted for employees, not with them in mind. HR departments often measure activities, trainings held, leave days approved, or workshops conducted, instead of outcomes that truly reflect employee productivity. Boards applaud glossy PowerPoint slides about “employee engagement,” while in reality, a silent wave of disengagement grows within the workforce. This silence is dangerous. It erodes trust, kills innovation, and slows execution. Culture Is…

The world of cybersecurity is moving at unprecedented speed. Every day, new threats emerge, smarter, faster, and more sophisticated than ever before. Yet, the tools and strategies to counter these threats are advancing just as rapidly. Staying ahead requires more than awareness; it demands access to cutting-edge insights, proven practices, and a network of forward-thinking experts. On 16th October 2025, industry leaders, AI innovators, risk management professionals, and decision-makers will gather at the Cyber Security Conference 2025, hosted at the prestigious Speke Resort Munyonyo. Under the theme “Securing the Future – AI-Driven Security and Risk Management (Trends, Threats, and Tools)”,…

Theme: Securing the Future: AI, Awareness & Action Every October, the world pauses to ask: Are we truly safe online? This year, Uganda stands united with the global community to fight back against cyber threats, armed with tools, training, and truth. From CEOs to students, accountants to developers, everyone is the first line of defense. The Institute of Forensics & ICT Security (IFIS) invites you to join the movement as we launch a long campaign to raise awareness, strengthen cyber resilience, and equip organizations with practical skills to protect against ever-evolving digital risks. In October, free cybersecurity training will be…