Zenith Bank Plc delivered a robust pre-tax profit of ₦917.4 billion for the nine months ending September 30, 2025.
In Q3, the bank boosted pre-tax profit by 6% to ₦291.78 billion from ₦275.8 billion a year earlier.
This growth reflected disciplined management and strategic deployment of capital across key business segments.
Zenith Bank Profit Growth
Gross earnings climbed 16.3% to ₦3.37 trillion, led by net interest income growth of 50.4% to ₦1.93 trillion.
Non-interest revenue added ₦539.7 billion, while operating profit before impairment grew 15.2% to ₦1.31 trillion.
Revenue Drivers
Despite these gains, profit after tax fell slightly to ₦764.2 billion because of higher interest expenses and weaker trading income.
CEO Dame Dr. Adaora Umeoji, OON, highlighted that the bank strengthened customer relationships and focused on high-quality opportunities.
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She added that Zenith will continue prioritising service excellence, prudent growth, and sustainable value creation for shareholders in the final quarter.
Balance Sheet Strength
Interest income rose 40.7% to ₦2.74 trillion, driven by loans and advances (₦1.36 trillion) and investment securities including treasury bills (₦1.14 trillion).
Interest expenses climbed 22.2% to ₦814.2 billion, yet net interest income after impairment still grew 42.2% to ₦1.15 trillion.
Impairments eased in Q3 to ₦20.71 billion from ₦62.5 billion last year, signalling improving credit quality.
Meanwhile, total assets rose 2.6% to ₦31.18 trillion, and deposits increased 9.8% to ₦23.69 trillion.
Investor confidence surged, lifting Zenith’s share price 38.5% year-to-date to close at ₦63.
