OUR SERVICES

Comprehensive Debt Management and Advisory Services.

The Adamawa State Debt Management Agency provides strategic debt management and advisory services to safeguard the State’s fiscal sustainability.

Our work covers debt recording, sustainability analysis, borrowing advisory and reporting across the State Government, Ministries, Departments and Agencies, helping strengthen transparency and prudent financial management.

Debt Recording and Monitoring
Maintains accurate and up-to-date records of the State's external and domestic debt obligations.
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Compliance Assessment
Verification that borrowing and debt-related transactions comply with approved guidelines and limits.
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Debt Sustainability Analysis
Assessment of the State's debt portfolio against its repayment capacity: a Liquidity Ratio (threshold 40%, currently 28.9%) and a Solvency Ratio (threshold 250%, currently 245%), both within sustainable limits as at December 2023.
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Borrowing and Refinancing Advisory
Advisory support on the structuring, restructuring and refinancing of loans and other borrowing instruments.
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WHY IT MATTERS

Strengthening Fiscal Sustainability for Adamawa State.

Our work gives citizens, investors and development partners confidence that Adamawa State's public debt is managed prudently and sustainably.

Every debt strategy we implement supports better borrowing decisions, protects the State's creditworthiness and strengthens the institutions that serve the people of Adamawa State.

As part of this work, the Agency conducts a Debt Sustainability Analysis (DSA) to ascertain the liquidity and solvency position of the State Government's debt, using the standard thresholds provided by the World Bank Country Policy and Institutional Assessment (CPIA): a Liquidity Ratio (debt service sustainability) threshold of 40%, and a Solvency Ratio (debt stock sustainability) threshold of 250%. As at December 2023, Adamawa State's Liquidity Ratio stood at 28.9% and its Solvency Ratio at 245%, both within the sustainable range — meaning the State has the capacity to meet its debt service obligations, while the Agency continues to advise caution on the terms of new borrowing.

The Agency's advisory support gave our Ministry clear guidance on structuring a sustainable loan facility.
Working with the Debt Management Agency's team improved our debt reporting considerably.
Their recommendations helped us secure more favourable borrowing terms.