Ecobank Transnational Incorporated (ETI) has reported a pre-tax profit of ₦1.21 trillion for the financial year ended December 31, 2025, reflecting strong earnings growth driven by expansion across its core revenue lines.
The performance represents a 23.6% year-on-year increase from the ₦986.6 billion recorded in 2024, supported by growth in both interest and non-interest income streams.
Strong revenue growth across key segments
The bank’s interest income rose to ₦3.19 trillion, largely driven by:
- Loans and advances to customers: ₦1.58 trillion
- Investment securities: ₦743.7 billion
- Treasury bills: ₦656.9 billion
Net interest income stood at ₦2.14 trillion, up 23% year-on-year, highlighting improved earnings from core banking operations.
On the non-interest side, fees and commissions increased to ₦1.02 trillion, contributing to total non-interest revenue of ₦1.58 trillion, reflecting stronger transaction volumes and service-based income.
Deposits and balance sheet expansion
Customer deposits grew significantly to ₦36.4 trillion, up from ₦31.6 trillion in the previous year, underscoring increased customer confidence and stronger liquidity positioning.
Total assets also expanded to ₦49.6 trillion, compared to ₦43.3 trillion in 2024, driven by growth in loans, investment securities, and cash balances.
Profitability and cost pressures
Operating profit rose by 31% to ₦1.92 trillion, despite rising costs and higher impairment charges, which climbed to ₦707.5 billion during the period.
After accounting for taxes of ₦305.5 billion, profit after tax settled at ₦914 billion, reflecting sustained profitability despite macroeconomic pressures.
Market reaction
Following the release of its audited results, Ecobank’s share price gained over 6%, with year-to-date performance exceeding 16%, signaling positive investor sentiment
