Zenith Bank PLC has released its audited financial results for the year ended December 31, 2025, reporting a Profit Before Tax (PBT) of N1.26 trillion and announcing a 100% increase in total dividend to N10 per share.
The Group recorded gross earnings of N4.19 trillion, a 6% increase from N3.97 trillion in 2024. Interest income grew 35% to N3.7 trillion, while net interest income increased 53% to N2.6 trillion. Profit After Tax rose slightly by 1% to N1.04 trillion, resulting in an Earnings Per Share (EPS) of N25.32.
Customer deposits increased by 11%, from N22 trillion to N24 trillion, supported by growth in both corporate and retail deposits. Gross loans rose moderately to N11 trillion, with the overall increase partially offset by write-offs of facilities under regulatory forbearance.
The bank’s Non-Performing Loan (NPL) ratio improved to 3.8%, compared with 4.7% in 2024, while the coverage ratio remained at 173%. Return on Average Equity (ROAE) stood at 23.2%, and Return on Average Assets (ROAA) was 3.4%. Zenith Bank’s net interest margin (NIM) for the year was 13.7%, and the cost-to-income ratio was 45.2%.
The bank maintained a Capital Adequacy Ratio (CAR) of 25% and a liquidity ratio of 71%, above regulatory minimums.
In line with the strong performance, the Board proposed a final dividend of N8.75 per ordinary share, in addition to an interim dividend of N1.25, bringing the total dividend for the year to N10 per share, up from N5 per share in 2024.
Group Managing Director/CEO, Dame Dr. Adaora Umeoji, OON, noted that the results reflect the bank’s strategy to strengthen its asset quality, optimize its balance sheet, and invest in capabilities for future growth. She added that Zenith Bank is positioned to continue delivering value to customers and shareholders in 2026.
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