Stanbic IBTC Holdings PLC has released its audited financial statements for the year ended December 31, 2025, revealing a historic performance that saw the Group cross the trillion-naira revenue threshold for the first time.
Acording to the reuslts made available on the NGX website, Gross earnings surged to N1.14 trillion representing a significant expansion from the N823.31 billion recorded in the previous financial year.
This robust top-line growth translated into a substantial increase in the bottom line, with profit before tax rising by over 81% to reach N551.76 billion.
After tax obligations, which rose sharply to N170.96 billion during the period, the Group declared a final profit after tax of N380.80 billion, marking a 69% increase compared to the N225.31 billion achieved in 2024.
The group’s operational efficiency remained a focal point as it managed a delicate balance between aggressive growth and inflationary pressures.
Total operating expenses for the year climbed to N329.75 billion up from N243.69 billion in 2024, reflecting increased investments in digital infrastructure and the impact of rising costs on operations.
When analyzing the ratio of profit to these costs, the Group achieved a profit-before-tax to operating expense ratio of approximately 1.67:1, indicating that for every naira spent on operations, the bank generated roughly N1.67 in pre-tax profit.
This performance is further supported by a cost-to-income ratio that has historically improved as revenue growth outpaced the rise in expenses.
The balance sheet also witnessed considerable expansion, with total assets rising by 25% to N8.62 trillion from N6.91 trillion in 2024.
This growth was fueled by a 45% increase in customer deposits, which reached N4.37 trillion and a strengthening of asset quality that saw the non-performing loan (NPL) ratio drop to 3.4%.
Rewarding its shareholders for this milestone performance, the management proposed a final dividend of N4.00 per ordinary share, bringing the total financial commitment for the final payout to approximately N63.61 billion.
Commenting, Stanbic IBTC Chief Executive Officer, Chukwuma Nwokocha attributed these results to the successful execution of the “Shift to Accelerate” strategy, which focused on digital lending, infrastructure, and high-performance pillars throughout the recovery phase of the Nigerian economy.