5Fidelity Bank Plc has reported a strong financial performance for the 2025 fiscal year, recording gross earnings of N1.52 trillion, representing a 45.6 per cent increase from the N1.04 trillion posted in 2024.
The audited financial statements released on the portal of Nigerian Exchange Group showed that the bank’s growth was driven by expansion across key business segments and improved earnings from its core operations.
The lender also posted a profit after tax of N242.4 billion for the year under review, buoyed by a 38.7 per cent increase in interest income, which rose to N1.11 trillion from N803.1 billion recorded in the previous year.
In addition, income from fees and commissions grew significantly by 44.7 per cent, climbing from N78.4 billion in 2024 to N113.4 billion in 2025.
The bank’s total assets rose by 18.6 per cent to N10.46 trillion, compared to N8.82 trillion in 2024, while customer deposits increased by 16.1 per cent to N6.89 trillion from N5.94 trillion.
However, net loans and advances declined slightly by 2.4 per cent to N4.28 trillion from N4.39 trillion, which the bank attributed to repayments of maturing credit facilities by customers.
Fidelity Bank said its capital base also improved during the period, with eligible capital rising to N561 billion, surpassing the N500 billion regulatory threshold for banks with international authorisation.
The financial institution further disclosed that its capital adequacy ratio stood at 30.94 per cent as of December 31, 2025, compared to 23.47 per cent recorded at the end of 2024, reflecting a stronger balance sheet and enhanced capacity for future expansion.
Led by Managing Director and Chief Executive Officer Nneka Onyeali-Ikpe, Fidelity Bank currently serves over 9.1 million customers through 255 business offices across Nigeria and its UK subsidiary,
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