September 20, 2025
Zenith Bank Plc has announced a profit before tax (PBT) of N625.63 billion for the half-year ended June 30, 2025, a testimony to it strong performance in a transitioning macroeconomic sector.
Inline with the performance, the Board approved an interim dividend of N1.25 per share, a 25% increase from the N1.00 paid in H1 2024.
The bank’s Gross earnings rose by 20% year-on-year to N2.5 trillion, driven by a 60% surge in interest income to N1.8 trillion, up from N1.1 trillion in H1 2024.
This feat was attributed to strategic repricing of risk assets and meticulous treasury management.
Net interest income grew 90% to N1.4 trillion, while non-interest income contributed N613 billion. Profit after tax stood at N532 billion, with Earnings Per Share at N12.95.
Zenith Bank’s total assets rose from N30 trillion in December 2024 to N31 trillion, Customer deposits increased by 7% to N23 trillion, while the loan book declined to N10.2 trillion, reflecting diligent risk management.
READ MORE; Stockbrokers Advocate Reforms To Unlock The Capital Market For Proposed $1tr Economy.
Key performance metrics also improved:
Return on Average Equity: 24.8%
Return on Average Assets: 3.5%
Cost-to-Income Ratio: 48.2%
Non-Performing Loan Ratio: Improved to 3.1% from 4.7%
Capital Adequacy Ratio: 26%
Liquidity Ratio: 69%
While expressing optimism for accelerated growth in H2 2025 and hinted at a “quantum” year-end dividend, Group Managing Director/CEO, Dr. Adaora Umeoji, attributed the performance to the Bank’s innovative workforce and strategic execution.
The bank has continued to receive industry awards:
Nigeria’s Best Bank – Euromoney Awards 2025
Number One Bank by Tier-1 Capital – The Banker’s Top 1000 World Banks
Best Commercial Bank in Nigeria – World Finance Banking Awards (2021–2025)
Best Corporate Governance Bank – World Finance (2022–2025)
Most Sustainable Bank – International Banker (2023, 2024)
Best in MSME Trade Finance.
