United Capital combines real-time information generated by UCAP’s intelligences to inform investment decisions.

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Unabating Oil Pipeline Vandalism; A headwind to oil production output…View
Global Oil update- OPEC+ sticks to output agreement View
Global food scarcity; Imported inflation will biteView
Nigeria’s growing unattractiveness to foreign investorsView
PMS Continues an Unwavering Upward Trajectory- NBS PMS WatchView
The Eastern European conflict and its impact on the domestic Oil and Gas sectorView
Bond yields close lower at auction but outlook biased upwardsView
FY-2021 Foreign Trade Statistics; Trade deficit widens in 2021View
Oil Pipeline Vandalism Incessance; a headwind to oil production output…View
Monetary outlook; Will Russia Ukraine Crisis alter major central banks policies…View
Domestic transportation cost hit high waters – the new normalView
OPEC+ keeps firm amid current geopolitical developmentsView
CBN’s RT 200 FX Programme- Operating Guidelines for Non-Oil Export Proceeds Repatriation Rebate SchemeView
The realities of Nigeria’s beleaguered middle classView
MPC Review; CBN continues to Wait and SeeView
Agricultural Sector- Beyond monetary interventionsView
CBN’s E-valuation and E-invoicing- Policy OverviewViewCBN’s E-valuation and E-invoicing- Policy Overview
FY 2021 GDP Report- Non-Oil GDP remains the primary driver….View
What is driving the proliferation of cryptocurrencies in NigeriaView
US stimulus_positive for Nigeria View
US Federal Reserve; Rate hike concerns for EMs View
Trade-deficit-worsens-on-the-back-currency-devaluation- View
Trade deficit contracts by 52,6 percent quarter on quarter in Q2_2021 View
Total Trade declined in FY-2020, but Q4-2020 growth hints at recovery View
Tight-trading-session-with-bearish-bias…ASI-down-6bps View
The yield environment in 2021 View
The telecommunications sector remains a bright spot View
The CBN’s RT200 FX Programme Series 1… Policy Overview View
Structural changes needed to improve unemployment View
Solid mineral production… A long, rocky road ahead View
Slew of Multilateral deb_A drag on long term growth_ View
Signs of a recovery but a long way off View
Rising cooking gas price; any hope in sight View
Revisiting Nigeria’s persistent FX challenges View
Revenue allocation formula restructure- A paradigm shift View
Rates trend lower at July bond auction View
Q3-2021 Terms of trade report; Deficit worsens View
Pre-MPC_Will the MPC adjust the MPR View
Pre-MPC note; Will status quo be maintained View
Pre-MPC note; Rate hike inevitable… A question of when View
Pre-MPC Note- To maintain status quo View
Pre-MPC Note_To maintain status quo View
Pre-MPC Note_MPC expected to maintain status quo View
Post-MPC meeting- MPC holds all policy tools but for how long….xlsx View
Post MPC – MPC holds rates but hints at imminent hiking View
Possible Impacts of Eurobond Issuance and IMF’s SDRs View
Policy normalisation View
PMI in Q1-2021_A hint at recovery_ View
Pipeline Vandalism; A hiccup in Nigeria’s oil sector progress View
Payment-Assurance-Guarantee-cushions-liquidity-shortage-in-the-NESI-in-2020 View
Payment Service Banks (PSB) Series I – Impact on financial inclusion View
Payment Service Banks (PSB) Series 2 – Potential Impact on Banking Profitability View
Parallel market pressures; No end in sight View
Pan African Payments Settlement System (PAPSS)- A new dawn.xlsx View
OPEC+ sticks to its plan of gradual ncrease in oil output View
OPEC-June-2021-Meeting-Preview View
OPEC-adjustments-keep-prices-favourable-and-maintain-the-cartels-relevance-UC-Research View
On-Nigerias-attempt-to-tax-global-tech-giants View
On-meter-deployment-and-higher-meter-pricing View
Oil prices…Uncertainties linger amid Omicron variant View
Oil prices extend gains amid tight supply View
Oil price sustains rally; Potentially a double-edged sword for Nigeria View
Oil price sustains momentum- All that glitters View
October bond auction… Marginal rates trend higher View
NTB-primary-auction-review-Stop-rates-on-364-day-bill-down-by-1bps View
NTB auction, Stop rates on 364-day paper moderates by 61bps View
NPRGS…Serious-business-or-playing-the-gallery-1 View
Non-interest income to come under pressure…. View
Nigerias Agelong Power Sector Conundrum View
Nigerian stocks weaken ahead of the holiday, ASI down 0.3 View
Nigerian consumers, Light at the end of the tunnel View
Nigerian consumer sector to face renewed pressures in 2021 View
Nigerian bourse continues bullish run…ASI up 1.7 View
Nigeria’s Yield Curve_Firmly in retracement mode View
Nigeria’s real estate sector Positive signs but not yet out View
Nigeria_s painful and fragile recovery View
Nigeria upstream oil & gas sector- A look at FGN’s optimistic 3.0mbpd target View
Nigeria Equity Market_Can the stock market rally be sustained View
Nigeria Economy in 2021_Tough times, tough takes! View
Nigeria Covid-19 Update- Weighing the risks of Omicron View
NGXASI regains momentum…climbs 9bps View
NGX-ASI resumes bullish momentum…up by 1.7 View
NGX-ASI rebounds by 58bps as large-caps rally View
NGX-ASI opens week on a positive note…rises 10bps View
NGX ASI up by 52bps View
N50bn Target Credit Facility Covid-19 loans; Déjà vu all over again View
More-and-more-debt…Where-do-we-draw-the-line-1 View
Money out of nowhere View
Monetary Policy_ Is a rate hike closer View
Monetary & interest rate policy in 2021_Going for growth View
Local bourse sustains bullish tilt… NGX-ASI climbs 99bps View
Local bourse sustained bullish run…ASI up by 0.1 View
Local bourse reverses bullish run…ASI up by 52bps View
Local bourse reverses bearish run…ASI rises 1.9 View
Local bourse reverse bullish run…ASI down by 12bps View
Local bourse loses bull momentum…down by 15bps View
Local bourse extends losses into 3rd day…Cause for panic View
Local bourse extend gains… up by 12bps View
Local bourse down by 9bps View
Is the CBN’s fiat-led intervention working View
Inflation cools further as high base effect becomes more pronounced View
Implications of impending U.S interest rate hike View
Implication of recent NT-bills auction for investors View
Impairment backed profitability; A lot more needed View
Headline Inflation in 2021 Galloping on tough policy calls View
Gross loans trend higher amidst improving asset quality View
Global trade in 2021- Biden and the Sino-US relationship View
Global Oil Market Vaccine news is good but Oil rebound is expected to be mellow in 2021 View
Global oil demand to recover in 2021 View
Global macro and market review & outlook View
Global Financial Market in 2021_..no real threat in sight View
Fuel Subsidy Removal in Nigeria- A potential double-edged sword View
Fuel Subsidy Discourse View
FPI inflow vanished in 2020, what to expect in 2021 View
Financial Market_Apr-2021 Review and May-2021 Outlook View
Financial Market Overview in Q1 and Outlook for Q2 2021 View
FGN-Bond-June-PMA-review-–-Rates-party-coming-to-a-close_ View
FG reintroduces VAT on cooking gas View
FG extends fuel subsidy program by 18 months View
External reserves trot higher on stronger crude prices View
Examining the effects of the CBN policy and its impact on the Real Estate (2) View
Evaluating BDCs’ creative FX supply sources View
Equity Market_Is the party over View
Equities-open-week-in-the-red…ASI-down-0.3 View
Earnings growth key for market sentiments View
Domestic-bourse-rebounds-marginally…-ASI-up-15bps View
Domestic investors dominate local bourse View
Domestic equities reverse bearish performance View
DANGCEM-pulls-market-higher…ASI-up-18bps-1 View
Daily Insight Global Economy in 2021_V-shaped or W-shaped recovery View
Daily Insight -Subsidy removal and cost reflective tariff,Tough decisions to be made View
Daily insight -New USSD pricing, a setback for financial inclusion View
Currency Market_ Is “Naira 4 Dollar” the way out View
Covid-19 vaccines vs 2nd wave of infections View
COVID-19 vaccination update_how is SSA faring View
Cement sector to build on strong 2020 performance View
CBN’s 100 for 100; More than fiat-led interventions needed View
CBN NTB Primary Market Auction Review View
CBN e-Naira Series 3-Implications for financial intermediation View
CBN e-Naira Series 2-Can the e-Naira deepen financial inclusion View
CBN e-Naira Series 1; Examining the positives View
Capital Importation in Q3-2021; An improvement on Q2-2021 View
Can Nigeria achieve sugar self-sufficiency View
Buying the dip or to stay out View
Between the devil and the deep blue sea View
Bearish sentiment persists…ASI down 0.4� View
Banking remains resilient View
Agriculture-Sustained growth amidst perennial bottlenecks View
Agriculture sector in 2021_Still a growth story View
A review of the FGN’s 2021 revenue framework thus far View
A review of Nigeria’s public debt stock View
A case for the FGN’s reform to focus on household income growth View
2022 Appropriation Bill Series 2- A budget of wishful spending View
2022 Appropriation Bill Series 1- Key Highlights View
The CBN’s RT200 FX Programme Series 3… A long awaited panacea but…View
NNPC Acquisition of Power Plants- Aye or NayView

JOSEPH ONYEMA

Head, Group Enterprise Performance Management
Joseph Onyema
Joseph is the Head, Group Enterprise Performance Management at United Capital Plc.
Over the last 16 years, Joseph has worked with and led teams whose responsibilities cut across a major spectrum of technology transformational and retail growth projects and consultancy. Joining the group in 2017, Joseph started out leading the technology team for 5+ years in the position of the Group, Chief Information Officer, a role in which his focus on execution to reposition the business was exemplary, hence leading to increased digital presence, retail growth and improved revenues, with keen focus on our growth during the COVID-19 pandemic where the business was run totally virtual and saw outstanding growth in customers, revenue and profitability.​
Leveraging on his education, performance, experience and spirit of execution, Joseph transitioned to the Group Head, Enterprise Performance Management, where he brings his analytical and technological prowess coupled with his background in managing teams and businesses to bare in monitoring and tracking business units and employees performances, while helping them to improve in their performance and ensuring the group continues to win in all its endeavours.
Before joining United Capital, Joseph headed the Group Technology Operations at Cordros Capital Limited where he transitioned the business from a High Net-worth Individual (HNI) focused business to retail-focused business with total leverage on technology to drive B2C sales across verticals while exploring new markets and partnerships. Prior to Cordros Capital, he had led the Enterprise & Cloud Services team at Soft Solutions Limited, an IT Consultancy firm with a footprint across 15 Nigerian banks on enterprise security, cloud projects, and consultancy where he developed, deployed, and led support teams to manage several financial and FMCG application suites.
A Tony Elumelu entrepreneur from 2016 before joining the group, and a member of the prestigious Beta Gamma Sigma international business honor society, continues to reinvent himself and deliver exceptionally to the United Capital family.