Fidelity Bank Reports 45.6% Earnings Growth for FY 2025

Fidelity Bank Plc announced its audited financial results for the year ending December 31, 2025, reporting a gross earnings growth of 45.6%, amounting to ₦1.52 trillion, up from ₦1.04 trillion in FY 2024. The bank's profit before tax reached ₦242.4 billion, reflecting a 38.7% year-on-year increase.

Interest income rose to ₦1.11 trillion, a 44.7% increase from ₦803.1 billion in FY 2024, while fee and commission income increased to ₦113.4 billion from ₦78.4 billion. Total assets expanded by 18.6% year-on-year to ₦10.46 trillion, compared to ₦8.82 trillion in FY 2024.

Customer deposits grew by 16.1% to ₦6.89 trillion from ₦5.94 trillion, showcasing the bank's franchise strength. However, net loan advances declined by 2.4% to ₦4.28 trillion from ₦4.39 trillion.

The bank's capital position strengthened, with eligible capital rising to ₦561 billion above the regulatory minimum of ₦500 billion, resulting in a capital adequacy ratio of 30.94% as of December 31, 2025.