ZENITH BANK’S GROSS EARNINGS JUMPS 16%, HITS N3.4TN AS PBT REMAINS ROBUST AT N917.4BN IN Q3 2025 RESULTS

Zenith Bank Plc has launched its unaudited monetary outcomes for the 9 months ended 30 September 2025, with a outstanding 16% year-on-year development in gross earnings from N2.9 trillion recorded in Q3 2024 to N3.4 trillion in Q3 2025. The Group’s efficiency continues to reveal resilience, sturdy momentum, disciplined execution and a capability to ship long-term shareholder worth regardless of difficult macroeconomic surroundings.

Based on the monetary outcomes introduced to the Nigerian Trade (NGX), the expansion in gross earnings was pushed by a sustained development in curiosity earnings which grew by 41% year-on-year to N2.7 trillion. The expansion in curiosity earnings was supported by a high-yield fee surroundings and an enlargement within the Financial institution’s funding portfolio. Regardless of the rise in curiosity expense by 22% to N814 billion on the again of a tightening financial cycle and a development within the Financial institution’s funding base, the Financial institution was capable of obtain a wholesome Internet Curiosity Margin (NIM) of 12% as towards 10% in September 2024. Non-interest earnings declined by 38% to N535 billion, underpinned by a 60% decline in buying and selling good points.

Profitability remained sturdy, with revenue earlier than tax at N917 billion as towards N1.00 trillion reported in September 2024. Revenue after tax additionally declined by 8% to N764 billion and Earnings Per Share (EPS) got here in at N18.60 as towards N26.34 in September 2024, because the Financial institution took daring measures to enhance the standard of its mortgage portfolio.

The Financial institution’s complete property grew by 4% from N30 trillion in December 2024 to N31 trillion as at September 2025. This was largely supported by buyer deposits, which rose by 8% to N23.7 trillion throughout the similar interval. Gross loans declined by 9% to N10 trillion as at September 2025, whereas Non-Performing Mortgage (NPL) ratio improved to three% because of the write-off of non-performing loans.

Return on Common Fairness (ROAE) and Return on Common Belongings (ROAA) stood at 23.3% and three.3% respectively. Value of funds elevated to 4.5%, underscored by the broader elevated rate of interest surroundings. The Group’s price of danger stood at 10% whereas cost-to-income ratio rose to 45%.

Protection ratio and liquidity ratio stay stable and effectively inside regulatory limits at 211.1% and 53% respectively. This highlights the Financial institution’s sturdy capital place and liquidity profile in addition to its skill to fund strategic development alternatives. It additionally displays its unwavering dedication to a prudent danger administration, compliance and company governance tradition.

Commenting on the outcomes, the Group Managing Director/CEO, Dame Dr. Adaora Umeoji, OON, stated: “the Financial institution’s sturdy efficiency is an attestation to the resilience of the Zenith model, result-driven technique, and the adaptability of our folks in an evolving working surroundings. We’ve got fortified our capital base, reset our asset high quality, and are effectively positioned for sustainable and worthwhile development”.

Seeking to This autumn 2025, Dame Dr. Umeoji strengthened her optimistic outlook: “This consequence confirms the resilience of each our enterprise mannequin and our folks. We’re on a stable development path that we count on to take care of via the rest of the yr. Our give attention to innovation, digital transformation, and growing options that tackle our shoppers’ altering wants positions us to capitalise on rising alternatives while sustaining our disciplined strategy to development.” She assured shareholders that the sturdy efficiency, mixed with improved asset high quality and the Financial institution’s sturdy capital base, positions Zenith Bank to ship distinctive returns with expectations of sustained worth creation. “We’re effectively positioned to maintain this momentum while sustaining accountable management within the Nigerian banking trade and delivering distinctive worth to all our stakeholders.”

The Financial institution’s monitor document of fantastic efficiency has continued to earn the model quite a few awards, together with being recognised because the Quantity One Financial institution in Nigeria by Tier-1 Capital for the sixteenth consecutive yr within the 2025 High 1000 World Banks Rating, printed by The Banker and “Nigeria’s Finest Financial institution” on the Euromoney Awards for Excellence 2025. The Financial institution was additionally awarded Financial institution of the Yr (Nigeria) in The Banker’s Financial institution of the Yr Awards for 2020, 2022 and 2024; Finest Financial institution in Nigeria from 2020 to 2022, 2024 and 2025, within the International Finance World’s Finest Banks Awards; Finest Financial institution for Digital Options in Nigeria within the Euromoney Awards 2023; and was listed within the World Finance High 100 International Firms in 2023.

Additional recognitions embrace Finest Business Financial institution, Nigeria for 5 consecutive years from 2021 to 2025 within the World Finance Banking Awards and Most Sustainable Financial institution, Nigeria within the Worldwide Banker 2023 and 2024 Banking Awards. Moreover, Zenith Bank has been acknowledged because the Finest Company Governance Financial institution, Nigeria, within the World Finance Company Governance Awards for 4 consecutive years from 2022 to 2025 and ‘Finest in Company Governance’ Monetary Providers’ Africa for 4 consecutive years from 2020 to 2023 by the Moral Boardroom.

The Financial institution’s dedication to excellence led to Zenith being additionally being named the Most Priceless Banking Model in Nigeria in The Banker’s High 500 Banking Manufacturers for 2020 and 2021, Financial institution of the Yr 2023 to 2025 on the BusinessDay Banks and Different Monetary Establishments (BAFI) Awards, and Retail Financial institution of the Yr for 3 consecutive years from 2020 to 2022 and 2024 to 2025. The Financial institution additionally acquired the accolades of Finest Business Financial institution, Nigeria and Finest Innovation in Retail Banking, Nigeria, within the Worldwide Banker 2022 Banking Awards, Financial institution of the Yr 2024 by ThisDay Newspaper; Financial institution of the Yr 2024 by New Telegraph Newspaper; and Finest in MSME Commerce Finance, 2023 by Nairametrics. The Financial institution’s Hybrid Supply was additionally adjudged ‘Rights Situation/ Public Supply of the Yr on the Nairametrics Capital Market Selection Awards 2025.

Zenith Bank has additionally bagged a number of non-financial awards together with, Most Accountable Organisation in Africa, Finest Firm in Transparency and Reporting and Finest Firm in Gender Equality and Girls Empowerment on the SERAS CSR Awards Africa 2024.