Zenith Bank (ZENITHBANK) Q3 2025 earnings summary

Executive summary

• Gross earnings reached ₦3.37 trillion for the nine months ended 30 September 2025, up 16% year-over-year, driven by a 41% increase in interest income.

• Profit after tax was ₦764.2 billion, down 8% year-over-year, while profit before tax declined 9% to ₦917 billion.

• Total assets grew to ₦31.18 trillion as of 30 September 2025, a 4% increase year-over-year.

Financial highlights

• Net interest income surged 50% year-over-year to ₦1.93 trillion.

• Earnings per share for the nine months was ₦18.60, down 29% year-over-year.

• Customer deposits increased to ₦23.69 trillion, up 8% year-over-year.

• Gross loans decreased 9% to ₦10 trillion, while loans and advances to customers (net) stood at ₦9.37 trillion.

• Operating expenses rose to ₦763 billion, a 16% increase year-over-year.

Outlook and guidance

• Management expects operations to remain stable, with a fortified capital base and improved asset quality positioning for sustainable growth.

• The group continues to monitor global and national events for potential impacts on operations.