Jaiz Bank Reports N31.24bn Profit for 2025 Fiscal Year

Jaiz Bank PLC, Nigeria's premier non-interest bank, announced a profit before tax (PBT) of N31.24 billion for the year ending December 31, 2025, representing a 28% increase from N24.44 billion in the previous year. The bank's gross earnings rose by 24% to N102.81 billion, up from N82.87 billion, primarily due to growth in financial activities and investment income.

Total assets surpassed the N1 trillion mark, climbing to N1.29 trillion in 2025 from N1.08 trillion in 2024. Customer deposits surged by 24% to N1.12 trillion, attributed to increased consumer confidence in the bank's brand and product offerings.

The bank's net risk asset investments rose by 27% to N849 billion. Jaiz Bank improved its cost-to-income ratio from 60% in 2024 to 58.09% in 2025, reflecting its digital transformation efforts and disciplined cost management.

Looking ahead, Dr. Haruna Musa, Managing Director and Chief Executive Officer, stated that Jaiz Bank will focus on accelerating digital transformation, expanding retail and SME banking, and strengthening its capital base through ongoing capital raising programs.