Zenith Bank Plc has posted a profit before tax (PBT) of ₦625.63 billion for the half-year ended June 30, 2025.
In a filing on the Nigerian Stock Exchange (NGX), the company’s board approved an interim dividend of ₦1.25 per share, representing a 25% increase from the ₦1.00 paid in H1 2024.
Gross earnings rose 20% year-on-year to ₦2.5 trillion, driven by a 60% surge in interest income to ₦1.8 trillion, up from ₦1.1 trillion in H1 2024.
The company attributed the growth to strategic repricing of risk assets and effective treasury management.
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Net interest income grew 90% to ₦1.4 trillion, while non-interest income contributed ₦613 billion.
Profit after tax stood at ₦532 billion, with earnings per share (EPS) at ₦12.95.
Its total assets increased to ₦31 trillion, up from ₦30 trillion in December 2024. Customer deposits rose 7% to ₦23 trillion, while the loan book declined to ₦10.2 trillion, reflecting prudent risk management.
Highlights:
- Return on Average Equity (ROAE): 24.8%
- Return on Average Assets (ROAA): 3.5%
- Cost-to-Income Ratio: 48.2%
- Non-Performing Loan (NPL) Ratio: Improved to 3.1% from 4.7%
- Capital Adequacy Ratio: 26%
- Liquidity Ratio: 69%
Group Managing Director/CEO, Dame Dr. Adaora Umeoji, OON, attributed the performance to the Bank’s innovative workforce and strategic execution. She expressed optimism for accelerated growth in H2 2025 and hinted at a “quantum” year-end dividend.
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