Zenith Bank Zenith Bank Plc has announced its Group financial results for the half year ending June 2025, posting an impressive profit before tax of N625.63 billion as the Bank’s Board approves an interim dividend of N1.25 per share, a 25% increase over the N1.00 paid in the first half of 2024.
The Bank’s strong performance is attributed to strategic repricing of risk assets and effective treasury management.
Despite higher provisioning requirements, Zenith Bank recorded a robust 20% year-on-year increase in gross earnings, rising from N2.1 trillion to N2.5 trillion in H1 2025.
Interest income drove this performance with an impressive 60% growth, climbing from N1.1 trillion to N1.8 trillion.
The Bank’s profit after tax reached N532 billion, and earnings per share stood at N12.95 for the period under review.
Net interest income demonstrated exceptional growth, surging 90% year-on-year from N715 billion to an impressive N1.4 trillion, while non-interest income contributed N613 billion in H1 2025.
Zenith Bank’s total assets expanded to N31 trillion in June 2025, representing steady growth from N30 trillion in December 2024, underpinned by a robust and well-structured balance sheet.
Customer confidence remained strong, with deposits growing by 7% from N22 trillion to N23 trillion in June 2025. The loan book stood at N10.2 trillion in June 2025 against N11 trillion in December 2024, reflecting the Bank’s prudent risk management approach.
The Bank delivered strong returns with return on average equity (ROAE) at 24.8% and return on average assets (ROAA) at 3.5% as at June 2025.
The cost-to-income ratio stood at 48.2%, reflecting necessary provisioning for regulatory compliance and the impact of inflationary pressures.
Asset quality improved significantly, with the non-performing loan (NPL) ratio dropping to 3.1% in June 2025 from 4.7% in December 2024.
The Bank maintains a fortress balance sheet with capital adequacy at 26% and liquidity ratio at 69%, both comfortably exceeding regulatory requirements.
Zenith Bank’s track record of excellent performance has continued to earn the brand numerous awards, including being recognized as the Number One Bank in Nigeria by Tier-1 Capital for the sixteenth consecutive year in the 2025 Top 1000 World Banks Ranking, published by The Banker, and “Nigeria’s Best Bank” at the Euromoney Awards for Excellence 2025.
Group Managing Director/CEO, Dame Dr. Adaora Umeoji, expressed optimism about the Bank’s growth trajectory, citing improved asset quality and a robust balance sheet.
She assured shareholders of continued value creation and exceptional returns, highlighting the Bank’s focus on innovation, digital transformation, and developing solutions that address customers’ changing needs.
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