Deposit Money Banks (DMBs) reduced lending to critical sectors like oil and gas, ICT, construction, education, and manufacturing by N5.45 trillion in 2025, driven by the Central Bank of Nigeria's (CBN) end to regulatory forbearance and loan clean-up efforts.The withdrawal forced banks to repay CBN $4.01 billion, limiting their credit capacity.Sectors like General Services saw a 25% drop in credit, while manufacturing lost N1.92 trillion.MAN warned this threatens Nigeria's industrialization drive due to high interest rates and limited access to finance.Meanwhile, agriculture and finance sectors received increased lending, with 'Others' category seeing a 722% surge.Experts predict improved liquidity and recapitalization will boost credit to key sectors in 2026.