Jaiz Bank Plc has reported a strong financial performance for the year ended 31 December 2025, with Profit Before Tax (PBT) rising 28% to N31.24 billion, up from N24.44 billion recorded in 2024.
The Managing Director and Chief Executive Officer of Jaiz Bank, Dr. Haruna Musa, disclosed this on Wednesday while briefing journalists on the bank’s financial results in Abuja.
The nation’s leading non-interest bank, also saw Gross Earnings grow by 24% to N102.81 billion, compared to N82.87 billion the previous year, driven by growth in financing activities, investment income, and increased customer transactions.
Total assets crossed the N1 trillion mark, climbing 19% from N1.08 trillion in 2024 to N1.29 trillion in 2025. Customer deposits surged 24% from N904 billion to N1.12 trillion, a figure the bank attributed to growing consumer confidence in its brand and product offerings.
Net Risk Assets and Investment rose to 27%, from N671 billion to N849 billion, reflecting the bank’s financial activities across productive sectors of the economy.
The bank improved its Cost-to-Income Ratio from 60.42% in 2024 to 58.09% in 2025, underpinned by digital transformation efforts and disciplined cost management.
On the capital side, Jaiz Bank’s Capital Adequacy Ratio strengthened from 23.87% to 26.89%, a 12.6% year-on-year increase, while Statutory Liquidity Ratio stood at 43.45%, comfortably above regulatory thresholds.
Beyond its financial numbers, 2025 marked several strategic wins for the bank. Jaiz Bank completed a corporate rebranding exercise, launched under the tagline “With You for Life.” Its credit rating was upgraded by GCR from BBB- to BBB, signalling strong financial fundamentals and improved market confidence.
In a landmark achievement, the bank became the first African institution admitted as a Primary Dealer of the International Islamic Liquidity Management Corporation (IILM), boosting its standing in global islamic finance.
Speaking on the bank’s prospects, Dr. Musa said Jaiz Bank would in 2026 focus on accelerating digital transformation, expanding retail and SME banking, deepening financial inclusion, and strengthening its capital base through an ongoing capital raising programme.
“We are confident that the foundations laid in 2025 will enable us to achieve even greater milestones in the years ahead,” he said.
