Jaiz Bank Plc’s 2025 results signal a clear rebound after a difficult prior year.
First, pretax profit climbed to ₦31.3 billion from ₦24.4 billion, supported by strong income growth.
Profit Rebound Gathers Pace
Meanwhile, momentum strengthened in the final quarter of the year.
As a result, fourth-quarter pretax profit increased to ₦8.1 billion, up 8.3% year on year.
Notably, financing and investing activities drove most of the growth.
For the full year, net income from these activities climbed 27.3% to ₦97.4 billion.
In particular, the fourth quarter contributed ₦26.3 billion, up from ₦22.5 billion a year earlier.
In addition, financing income jumped to ₦45.9 billion, marking a 43.3% annual increase.
Specifically, murabaha transactions dominated, generating ₦33.4 billion during the year.
Next, ijara contracts added ₦10.3 billion, while other products completed the balance.
At the same time, income from investing activities rose to ₦52 billion from ₦44.3 billion.
Within this, sukuk investments delivered ₦37.4 billion of total investment income.
Alongside this, interbank placements and trading assets contributed ₦8.1 billion and ₦6.4 billion respectively.
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However, the bank recorded an impairment charge of ₦452 million, compared with a gain previously.
Even so, net income from core activities still rose by 27.3% year on year.
Consequently, Jaiz Bank distributed ₦26.8 billion to equity investment account holders.
Thereafter, the bank retained ₦70.6 billion as mudarib income for the year.
Separately, net fees and commission income stood at ₦3.2 billion.
Overall, total income increased by 21.1% to ₦74.7 billion.
At the same time, expenses grew more slowly, rising 16.2% to ₦43.3 billion.
Therefore, pretax profit increased by 28.4%.
Jaiz Bank Balance Sheet And Market Outlook
On the balance sheet, total assets expanded to ₦1.2 trillion from ₦1.08 trillion in 2024.
Here, sukuk investments remained the largest asset class at ₦489.4 billion.
Additionally, financing assets reached ₦245.6 billion, while cash balances climbed to ₦214.5 billion.
Similarly, total liabilities rose to ₦1.2 trillion, driven by customer deposits of ₦724 billion.
Meanwhile, shareholders’ equity edged down slightly to ₦68.3 billion.
In the market, investor sentiment is beginning to stabilise.
After dipping below ₦8, the stock now trades around ₦8.05.
If momentum holds, positive earnings could support a move towards the ₦9 level.
