Stanbic IBTC

Our performance

We did not relent in supporting our customers with personalised financial solutions and digital tools to meet their individual and business objectives.

Our 2025 financial performance reflects the strength of our resilient foundation and our disciplined execution across the Group. We delivered strong growth, enhanced profitability and improved efficiency while continuing to invest in innovation, people and sustainable finance. This performance underscores our ability to grow responsibly, even in a challenging operating environment.

2025 Financial Results Highlights

  • Total Assets

    25%

    FY 2025: ₦8.62 trillion

  • Customer Deposits

    45%

    FY 2025: ₦4.37 trillion

  • Customer Loans And Advances (Net)

    1%

    FY 2025: ₦2.38 trillion

  • Total Income

    33%

    FY 2025: ₦895.7 billion

  • NPL Ratio

    0.8pp

    FY 2025: 3.4%

  • RETURN ON EQUITY RATIO

    4.3pp

    FY 2025: 42.4%

  • Earnings Per Share

    38%

    FY 2025: 2,368 kobo

  • Cost To Income Ratio

    0.9pp

    FY 2025: 36.8%

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