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. Read more

"Boards that only reward growth are complicit in fragility. Boards that demand resilient growth, stress-tested, diversified, shock-proofed, create enterprises that outlast economic cycles."

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.
• The average loan size has increased from UGX 3 billion to UGX 7 billion, resulting in higher single-borrower exposure.
• Collateral is mostly land titles, whose value is already under pressure from falling demand. Read more

Stay ahead of potential threats and strengthen your organization's resilience by measuring your current risk management practices. A Risk Management survey collects vital feedback on your policies, controls, and response readiness, providing you with the data you need to prioritize improvements and stay compliant. Read more

Theme: Securing the Future – AI-Driven Security and Risk Management

Join industry leaders, cybersecurity professionals, and innovators for this premier event focused on how artificial intelligence is reshaping security and risk management. Gain actionable insights, explore real-world solutions, and prepare your organization for the future of digital defense.

PLUS – Don’t Miss Our Free Cyber Security Awareness Week!
In the lead-up to the conference, we’re hosting a free Cyber Security Awareness Week packed with practical sessions, expert tips, and engaging activities to help individuals and organizations strengthen their cyber hygiene.

📅 Cyber Security Awareness Week
📅 IFIS Cyber Security Conference: 16th October 2025

✅ Learn from experts
✅ Build awareness
✅ Strengthen your defenses

Note: Institute of Forensics & ICT Security  is a training arm of Summit Consulting Ltd

Register now and be part of the movement to secure our digital future.

For more inquiries. Get in touch with us today at 0782610333 or email us at strategy@new.summitcl.com. 

Enroll in the Future-Ready Board Course and Transform Your Governance Impact

Imagine your boardroom as the command center of a high-stakes mission. In today’s rapidly evolving landscape, effective governance goes beyond ticking boxes; it calls for bold, forward-thinking leadership. The Future-Ready Board Certificate in Effective Directorship is your roadmap to mastering modern governance. Gain the skills to anticipate risks, seize opportunities, and lead with purpose.

This course, led by a team of distinguished governance experts, empowers you to bring lasting value to the boards you serve. Don’t just adapt, thrive. Be the director your board needs for the future. Read more >>

This thought-provoking book offers an incisive examination of corporate governance from both a historical and contemporary point of view…I highly recommend it for your useful and sustainable leadership benefit” – Michael Mugabi, Former President, Institute of Corporate Governance of Uganda.