Fidelity Bank Earnings Surge 45% to N1.5 Trillion in 2025

Fidelity Bank Plc announced a 45% rise in gross earnings, reaching N1.5 trillion for the financial year ending December 31, 2025, up from N1.04 trillion in 2024. The bank's shareholders’ funds exceeded N1 trillion, attributed to a robust balance sheet and a fresh capital injection.

The net interest income increased to N831.3 billion from N629.7 billion in 2024, benefiting from a high-interest rate environment. Interest income rose by 25.1% to N184.51 billion.

The bank also improved asset quality, with credit loss expenses dropping by 61.7% to N21.61 billion. Non-interest income grew significantly, driven by digital banking transactions, with fees and commissions rising 44.7% to N113.36 billion.

Total assets increased by 18.6% to N10.46 trillion, while customer deposits grew by 16.1% to N6.89 trillion. The bank completed a private placement of 12.9 billion ordinary shares in December 2025, raising fresh capital and enhancing its capital base above the Central Bank of Nigeria's minimum requirement.