ZENITH BANK’S GROSS EARNINGS HIT N2.5 TRILLION IN H1 2025, DECLARES N1.25 INTERIM DIVIDEND - The Top Society
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ZENITH BANK’S GROSS EARNINGS HIT N2.5 TRILLION IN H1 2025, DECLARES N1.25 INTERIM DIVIDEND

Rhoda
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Zenith Bank’s Gross Earnings Hit N2.5 Trillion in H1 2025, Declares N1.25 Dividend

Strong Financial Results for Half Year 2025

Zenith Bank Plc has released its Group financial results for the half year ending June 2025, reporting an impressive profit before tax of N625.629 billion. Following this robust performance, the Board approved an interim dividend of N1.25 per share, a 25% increase over the N1.00 paid in the first half of 2024. This reinforces the Bank’s longstanding reputation as a leading dividend-paying institution and its commitment to rewarding shareholders.

Contents
Zenith Bank’s Gross Earnings Hit N2.5 Trillion in H1 2025, Declares N1.25 DividendStrong Financial Results for Half Year 2025Dividend Growth Driven by Strong PerformanceCEO’s Commentary on H1 2025 ResultsAwards & Recognition: Recent MilestonesFinancial Highlights of H1 2025Balance Sheet GrowthProfitability and EfficiencyAsset Quality and Regulatory ComplianceZenith Bank’s Awards and RecognitionCommitment to Stakeholders and InnovationLooking Ahead

Dividend Growth Driven by Strong Performance

The dividend payout reflects the Bank’s exceptional performance, despite higher provisioning requirements following the industry-wide exit of the CBN forbearance regime. Zenith Bank recorded a 20% year-on-year increase in gross earnings, rising from N2.1 trillion to N2.5 trillion in H1 2025.

  • Interest income surged 60%, climbing from N1.1 trillion to N1.8 trillion, driven by strategic repricing of risk assets and effective treasury management.

  • The Bank’s ability to expand interest income demonstrates the strength of its operating model and disciplined growth strategy.

CEO’s Commentary on H1 2025 Results

Commenting on the results, Group Managing Director/CEO, Dame Dr. Adaora Umeoji, OON, highlighted Zenith Bank’s resilience and adaptability.

“Despite the huge provisioning requirements as the industry exits the CBN forbearance regime, we’ve seen substantial improvement in our asset quality. Our balance sheet remains robust with adequate capital buffers, positioning us well to seize opportunities across our key markets,” she said.

She further assured shareholders of sustained growth and returns, noting expectations for a strong year-end dividend in 2025.

Awards & Recognition: Recent Milestones

Zenith Bank continues to earn top honours in Nigeria’s banking sector. Most recently, it was named Nigeria’s Best Bank at the Euromoney Awards for Excellence 2025, confirming its consistent leadership and innovation. Read more on Zenith Bank’s Euromoney Award win.

Also, as Zenith Bank celebrated 35 years of excellence with a Grand Chairman’s Dinner, the Bank showcased its long-standing culture of corporate governance and stakeholder appreciation.

Financial Highlights of H1 2025

Zenith Bank’s strong fundamentals in a transitioning macroeconomic environment were reflected across key performance metrics:

  • Profit after tax: N532 billion

  • Earnings per share (EPS): N12.95

  • Net interest income: up 90% year-on-year from N715 billion to N1.4 trillion

  • Non-interest income: N613 billion

Balance Sheet Growth

  • Total assets: expanded to N31 trillion in June 2025 from N30 trillion in December 2024

  • Customer deposits: up 7% to N23 trillion, from N22 trillion in December 2024 — see more in our Business section

  • Loan book: stood at N10.2 trillion in June 2025 compared to N11 trillion in December 2024

Profitability and Efficiency

  • ROAE: 24.8%

  • ROAA: 3.5%

  • Cost-to-income ratio: 48.2% (reflecting necessary provisioning and inflationary pressures)

Asset Quality and Regulatory Compliance

  • NPL ratio: improved to 3.1% in June 2025 from 4.7% in December 2024

  • Capital adequacy ratio: 26%

  • Liquidity ratio: 69% — both comfortably above regulatory requirements

Zenith Bank’s Awards and Recognition

Zenith Bank has established itself as Nigeria’s most awarded financial institution, recognised for excellence in banking, digital innovation, and corporate governance.

  • Number One Bank in Nigeria by Tier-1 Capital for the 16th consecutive year in The Banker’s Top 1000 World Banks Ranking (2025).

  • Nigeria’s Best Bank at the Euromoney Awards for Excellence 2025.

  • Best Commercial Bank, Nigeria at the World Finance Banking Awards 2025.

Discover more updates and related stories on Top Society Nigeria.

Commitment to Stakeholders and Innovation

Zenith Bank’s continuous investment in digital transformation and sustainability underscores its focus on long-term value. It has been recognised at the SERAS CSR Awards, BAFI Awards, and Nairametrics Capital Market Choice Awards 2025.

Looking Ahead

Zenith Bank’s strong H1 2025 results position it to sustain momentum into 2026. With a solid balance sheet, robust asset quality, and unwavering shareholder focus, the Bank remains committed to:

  • Driving digital innovation

  • Enhancing corporate governance leadership

  • Delivering superior shareholder value

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By Rhoda Managing Editor
Who tells the stories that shape culture and society? Rhoda Erhabor does. A storyteller and editor with a discerning eye for culture, lifestyle, and society, she brings clarity and sophistication to her role as Managing Editor at Top Society. With years of experience leading publications, guiding editorial strategy, and shaping content that resonates, she ensures every story carries both weight and elegance. With a Master’s in International History and Diplomacy and a Bachelor’s in English and Literature from the University of Benin, Rhoda combines academic depth with editorial mastery. Her journey as Editor-in-Chief, Managing Editor, and Content Strategist reflects a commitment to storytelling that informs, inspires, and leaves a lasting mark. Follow her work at Top Society, where society’s finest stories are told (and sometimes retold over a good laugh).
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