Stanbic IBTC Holdings Grows 2025 Full-year Profit by 69% to N380.8bn

Kayode Tokede

Stanbic IBTC Holdings Plc yesterday announced its audited results for the year ended December 31, 2025, with profit after tax of N380.80 billion, up by 69 per cent from N225.31 billion reported in the previous.
The lender on the Nigerian Exchange Limited (NGX) also announced that it recorded N551.76 billion profit before tax in 2025, which was about 82 per cent growth from the N303.80 billion in 2024.
Amid the increase in profit, the management of Stanbic IBTC Holdings proposed a final dividend of N4 per ordinary share of 50 kobo each, that is, N63.61 billion.  

From the financial position, the group declared total assets of N8.62 trillion in 2025, which was about 25 per cent increase, compared to N6.91 trillion in 2024.
Net loans & advances closed 2025 at N2.38 trillion, up by one per cent from N2.35 trillion in 2024, just as its Non-performing loan to total loan ratio closed at 3.4  per cent from 4.2 per cent in 2024.
As Customer Deposits moved from N3.01 trillion in 2024, an increase  of about 45 per cent when compared to N4.37 trillion in 2025.

Commenting on the results, the Chief Executive Stanbic IBTC Holdings, Chukwuma Nwokocha, was quoted in a statement to have said: “Our strategic theme for 2025, “Shift to Accelerate,” anchored on the SHIFT pillars—Sustained Growth, High Performance, Innovation, Future focused, and Transformation, guided our execution throughout the year.
“As Nigeria moved through a recovery phase in 2025, we achieved solid progress across our four key growth drivers: client franchise, digital lending, infrastructure, and Africa China banking. Together, these drivers supported growth in profitability, Assets under Management (AuM), customer loans, and deposits.

“Profit after tax grew by 69 percent to N380.80 billion, driven largely by an increase in net interest income and non interest revenue. Net interest income increased 43per cent year on year, supported by higher average yields on the cumulative risk asset book. Non interest revenue also strengthened, propelled by improved trading activities and a 38per cent increase in fees and commissions compared to the prior year.”

He added: “Our income growth continued to outpace cost growth, resulting in an improved cost to income ratio of 36.8per cent, down from 37.7 per cent in the prior year. Supported by strong earnings momentum, return on equity increased to 42.4 per cent from 38.2 per cent in 2024, while return on average assets closed at 4.9 per cent.
“In line with our deliberate portfolio optimisation strategy, our gross customer loan book recorded a one per cent decline, even as we navigated elevated interest rate conditions. Asset quality strengthened further, with the non performing loan ratio improving to 3.4per cent, significantly below the five per cent industry threshold, driven by disciplined risk management, proactive loan restaging, and early identification of sector specific risks.”  

“This also contributed to a substantial improvement in our credit loss ratio, which declined to 0.4 per cent from 3.5 per cent in the prior year. Our deposit franchise continued to demonstrate resilience and depth, as customer deposits grew by 45 per cent, providing robust support for the loan book and reinforcing a core pillar of our growth strategy.
“Amid the challenging macroeconomic environment, our AAA(nga) rating was reaffirmed by Fitch Ratings, underscoring our strong competitive positioning, prudent risk management, and resilient capital and liquidity position. This accomplishment continues to distinguish us as a financial institution with a triple A rating from a global credit agency.”