Zenith Bank posted stellar Q3 2025 results, earnings hit ₦3.4 trillion as Profit Before Tax stands strong at ₦917.4 billion.
NaijaOnPoint Nigeria reports that Zenith Bank Plc has once again demonstrated its financial strength and operational excellence with the release of its unaudited results for the nine months ended September 30, 2025. The Group recorded a remarkable 16% year-on-year growth in gross earnings, rising from ₦2.9 trillion in Q3 2024 to ₦3.4 trillion in Q3 2025 — a testament to its resilience, disciplined execution, and strong brand leadership.
According to the financials filed with the Nigerian Exchange (NGX), this impressive performance was driven by a robust 41% increase in interest income to ₦2.7 trillion, supported by a high-yield rate environment and strategic expansion in the Bank’s investment portfolio. Despite macroeconomic headwinds and a 22% increase in interest expenses, Zenith Bank maintained a healthy Net Interest Margin (NIM) of 12%, up from 10% in 2024.
Profitability remained solid, with Profit Before Tax (PBT) at ₦917.4 billion, reflecting the Group’s consistent ability to generate strong returns. Profit After Tax (PAT) stood at ₦764 billion, while Earnings Per Share (EPS) came in at ₦18.60 — underscoring Zenith Bank’s sustained value creation for shareholders.
The Bank’s total assets grew by 4% from ₦30 trillion in December 2024 to ₦31 trillion as of September 2025, largely supported by an 8% rise in customer deposits to ₦23.7 trillion. Asset quality also improved, as the Non-Performing Loan (NPL) ratio dropped to 3%, reflecting prudent credit risk management and proactive write-offs of legacy exposures.
Key financial ratios remained strong — Return on Average Equity (ROAE) stood at 23.3%, while Return on Average Assets (ROAA) was 3.3%. Liquidity and coverage ratios remained well above regulatory thresholds at 53% and 211.1%, respectively, demonstrating Zenith’s solid capital position and ability to fund future growth.
Group Managing Director/CEO, Dame Dr. Adaora Umeoji, OON, attributed the strong performance to the resilience of the Zenith brand, operational discipline, and the adaptability of its people.
“This performance is proof of our strength, our strategic agility, and the trust of our customers. We have fortified our capital base and positioned Zenith Bank for sustainable, profitable growth,” she said.
Looking ahead, Dr. Umeoji reaffirmed the Bank’s commitment to innovation, digital transformation, and customer-focused solutions that will further consolidate Zenith’s leadership in the Nigerian banking industry.
Zenith Bank’s outstanding performance has continued to attract global recognition, earning multiple awards including “Nigeria’s Best Bank” at the Euromoney Awards for Excellence 2025, and maintaining its ranking as the Number One Bank in Nigeria by Tier-1 Capital for the sixteenth consecutive year, according to The Banker’s Top 1000 World Banks 2025.
With this strong third-quarter result, Zenith Bank is well-positioned to close 2025 on a high note, reinforcing its reputation as Nigeria’s most resilient and forward-looking financial institution.