Zenith Bank Plc has released its Group financial results for the nine months of the year,ending 30th September 2025, recording a profit before tax of N917.4 billion and profit after tax of N764.2 billion for the period.
This resilient performance also shows Gross earnings grew by 16% year-on-year to N3.37 trillion from N2.90 trillion in the prior period, supported by strong net interest income.
The topline was driven by interest income of N2.74 trillion compared to N1.95 trillion in the same period of 2024, reflecting disciplined repricing and effective treasury deployment.
The results equally showed that Net interest income rose to N1.93 trillion, while prudential provisioning was maintained in line with the Bank’s conservative risk posture.
The balance sheet remained robust as total assets closed at N31.18 trillion as at 30 September 2025. Customer deposits increased to N23.69 trillion from N21.57 trillion a year earlier, underscoring sustained customer confidence.
The financial results further highlighted that Shareholders’ equity strengthened to N4.73 trillion, reinforcing the Bank’s capacity to support customers and the broader economy, while Earnings per share for the period stood at N18.60.
Commenting on the results, Group Managing Director/CEO, Dame Dr. Adaora Umeoji, said: “Zenith delivered a solid nine-month performance despite a demanding backdrop. We stayed disciplined on risk, deepened customer relationships across retail and corporate segments, and deployed our balance sheet where we saw quality opportunities. As we enter the final quarter, our priorities are clear: service excellence, prudent growth, and sustained value creation for our shareholders.”
She further said ‘Building on this momentum, Management expects a strong finish to the year. The Bank will continue to grow low-cost deposits, support customers in key sectors, and invest in digital platforms that enhance service and efficiency.’
The Managing Director noted ‘ Asset quality remains a priority, with provisioning aligned to observed risks and regulatory guidance.’
The Group closed the period with assets of N31.18 trillion, deposits of N23.69 trillion, loans and advances (net) of N9.37 trillion, and total shareholders’ equity of N4.73 trillion.
Profitability metrics were supported by interest income of N2.74 trillion and a PBT of N917.4 billion, while PAT stood at N764.2 billion and EPS at N18.60.
Looking to Q4 2025, Dame Dr. Umeoji reinforced her optimistic outlook: “These results confirm the resilience of both our business model and our people. We’re on a solid growth path that we expect to maintain through the remainder of the year. Our focus on innovation, digital transformation, and developing solutions that address our clients’ changing needs positions us to capitalise on emerging opportunities while maintaining our disciplined approach to growth.”
She assured shareholders that the robust performance, combined with improved asset quality and the Bank’s strong capital base, positions Zenith Bank to deliver exceptional returns with expectations of sustained value creation. “We’re well placed to sustain this momentum whilst maintaining responsible leadership in the Nigerian banking industry and delivering exceptional value to all our stakeholders.”
Zenith Bank Plc was established in May 1990 and commenced operations in June of the same year as a commercial bank. The Bank became a public limited company on 20 May 2004, and was listed on the Nigerian Exchange (NGX) on 21 October 2004.
The Bank’s shares were also admitted to the Premium Board of the Nigerian Exchange in August 2015. With a network of over 500 branches and business offices across Nigeria and subsidiaries in Ghana, Sierra Leone, The Gambia, and the United Kingdom,
Zenith Bank is one of Africa’s leading financial institutions, renowned for innovation, superior customer service, and consistent delivery of stakeholder value.
Follow us on all social media platforms @dailyquery for news and analyses around the globe.
