When FY 2025 ended on December 31, Fidelity Bank Plc delivered strong growth and reinforced financial resilience.
The bank drove a 45.6% rise in gross earnings during the year.
Fidelity Bank Strong Earnings Growth In FY 2025
Earnings climbed from ₦1.04 trillion in 2024 to ₦1.52 trillion in 2025.
Management achieved this growth by strengthening core banking activities.
At the same time, customers actively increased engagement across all channels.
Interest income expanded by 38.7% to ₦1.11 trillion in 2025.
It previously stood at ₦803.1 billion in 2024.
Similarly, fees and commissions rose strongly by 44.7%, advancing from ₦78.4 billion to ₦113.4 billion.
In addition, the bank generated ₦347.7 billion profit before tax, showing improved efficiency in revenue conversion.
Balance Sheet Strength And Capital Position
Total assets grew by 18.6% to ₦10.46 trillion.
Management continued expanding the balance sheet throughout the year.
Read Also: Fidelity Bank Posts 46% Jump In Gross Earnings, Hits ₦1.5Tn In 2025
Customer deposits increased by 16.1% to ₦6.89 trillion, reflecting rising trust in the bank’s services.
However, net loans and advances fell by 2.4% to ₦4.28 trillion as customers repaid maturing obligations faster during the period.
Meanwhile, the bank strengthened eligible capital to ₦561 billion, staying above the ₦500 billion regulatory requirement.
In addition, the capital adequacy ratio improved to 30.94%, rising from 23.47% in the previous year.
The bank also served over 9.1 million customers nationwide and operated through 255 business offices across Nigeria.
It further expanded services through FidBank UK Limited, while digital channels helped deepen customer access.
Moreover, Fidelity Bank secured multiple industry awards in 2025, recognising innovation in digital and SME banking.
Overall, management delivered growth, stability, and stronger financial performance.