Fidelity Bank Plc has posted impressive financial results for the year ended December 31, 2025, recording a 45.6 percent increase in gross earnings from N1.04 trillion in 2024 to N1.52 trillion in 2025. The strong performance highlights the bank’s sustained growth across its major business operations.
According to the bank’s audited financial statement, Profit Before Tax stood at N347.7 billion, driven by significant increases in interest income and earnings from fees and commissions. Interest income rose by 38.7 percent year-on-year to N1.11 trillion, compared to N803.1 billion recorded in the previous financial year. Similarly, fees and commission income climbed by 44.7 percent to N113.4 billion from N78.4 billion in 2024.
Fidelity Bank also recorded notable growth in its balance sheet position during the review period. Total assets expanded by 18.6 percent to N10.46 trillion, up from N8.82 trillion in 2024. Customer deposits increased by 16.1 percent to N6.89 trillion, reflecting growing customer trust and a stronger market presence.
Despite the positive performance, net loans and advances dipped slightly by 2.4 percent to N4.28 trillion from N4.39 trillion, largely due to repayments of matured customer obligations.
The bank further strengthened its capital base, with eligible capital rising to N561 billion, exceeding the Central Bank of Nigeria’s minimum requirement of N500 billion for banks with international authorisation. Its Capital Adequacy Ratio also improved significantly to 30.94 percent as of December 31, 2025, compared to 23.47 percent recorded in the previous year.
Recognised as one of Nigeria’s leading financial institutions, Fidelity Bank Plc currently serves more than 9.1 million customers through its digital banking platforms, 255 business offices across Nigeria, and its United Kingdom subsidiary, FidBank UK Limited.
The bank has continued to receive local and international recognition for innovation and service delivery. Among its recent honours are the 2024 Excellence in Digital Transformation and MSME Banking Award by BusinessDay BAFI Awards, the Most Innovative Mobile Banking Application Award by Global Business Outlook, and the Best Bank for SMEs in Nigeria recognition by the Euromoney Awards for Excellence.
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