Zenith Bank’s gross earnings hit N2.5trn in H1’25

*Declares N1.25 interim dividend

By Peter Egwuatu

Zenith Bank Plc has recorded a robust 20% Year onYear, YoY summation successful gross earnings, rising  to N2.5 trillion successful the archetypal fractional ending June 2025, H1’25 from N2.1 trillion recorded successful the corresponding play 2024,H1’24.

The Bank posted an awesome Profit Before Tax, PBT and Profit After Tax, PAT of N625.629 cardinal and N532 cardinal for the play nether reappraisal respectively.

Following the awesome performance, the Bank’s Board of Directors approved an interim dividend of N1.25 per share, a 25% summation implicit the N1.00 paid successful the archetypal fractional of 2024.

According to a connection from the Bank, the important dividend payout reflects exceptional underlying performance. 

Commenting connected the H1’25 results, Group Managing Director/CEO, Dame Dr. Adaora Umeoji, noted that Zenith Bank’s show reaffirms the creativity and innovation of our unicorn workforce successful a dynamic operating environment. “Despite the immense provisioning requirements arsenic the manufacture exits the CBN forbearance regime, we’ve seen important betterment successful our plus quality. Our equilibrium expanse remains robust with capable superior buffers, positioning america good to prehend opportunities crossed our cardinal markets,” she said.

Building connected this beardown foundation, the GMD/CEO indicated that the Bank expects to accelerate its maturation trajectory successful the 2nd fractional of the year. She assured shareholders that the robust performance, combined with the improved plus quality, positions the Bank to present exceptional returns, with expectations of a quantum year-end dividend for 2025. “Our shareholders tin look guardant to continued worth instauration arsenic we leverage emerging opportunities and support our strategical maturation with beardown firm governance culture,” she noted, highlighting the Bank’s way grounds of improving dividend payments adjacent during challenging periods.

Looking beyond H1’255, she reinforced her optimistic outlook: “We’re connected a coagulated maturation way that we expect to support done the remainder of 2025 and into 2026. Our absorption remains connected innovation, integer transformation, and processing solutions that code our clients’ changing needs. With improving marketplace conditions, we’re good placed to prolong this momentum whilst maintaining liable enactment and delivering exceptional worth to each our stakeholders.”

The Bank’s fiscal show indicates beardown fundamentals successful a transitioning macroeconomic environment, with net per stock lasting astatine N12.95 for the play nether review. Net involvement income demonstrated exceptional growth, surging 90% year-on-year from N715 cardinal to an awesome N1.4 trillion, whilst non-interest income contributed N613 cardinal successful H1’25.

The Bank’s full assets expanded to N31 trillion successful June 2025, representing dependable maturation from N30 trillion successful December 2024, underpinned by a robust and well-structured equilibrium sheet. Customer assurance remained strong, with deposits increasing by 7% from N22 trillion to N23 trillion successful June 2025. The indebtedness publication stood astatine N10.2 trillion successful June 2025 against N11 trillion successful December 2024, reflecting the Bank’s prudent hazard absorption approach.

The Bank delivered beardown returns with ROAE astatine 24.8% and ROAA astatine 3.5% arsenic astatine June 2025. The cost-to-income ratio stood astatine 48.2%, reflecting indispensable provisioning for regulatory compliance and the interaction of inflationary pressures. Asset prime improved significantly, with the NPL ratio dropping to 3.1% successful June 2025 from 4.7% successful December 2024. The Bank maintains a fortress equilibrium expanse with superior adequacy astatine 26% and liquidity ratio astatine 69%, some comfortably exceeding regulatory requirements.

The station Zenith Bank’s gross net deed N2.5trn successful H1’25 appeared archetypal connected Vanguard News.