Ecobank Transnational Incorporated posted a robust performance for the year ended December 31, 2025, with profit before tax rising to N1.27 trillion.

This marked a 30 per cent increase from the N986.6 billion recorded in 2024, underscoring strong full-year growth.

However, on a quarterly basis, profit before tax dipped to N264.5 billion in the fourth quarter of 2025, compared with N274.3 billion in the same period of the previous year.

This represents a 30 per cent increase compared to the N986.6 billion recorded in the same period of 2024, reflecting solid full-year growth.

On a quarterly basis, profit before tax decreased to N264.5 billion in Q4 2025 from N274.3 billion in the fourth quarter of 2024.

The Group’s full-year revenue expansion was underpinned by both higher net interest income and stronger non-interest earnings.

Net interest income climbed 22 per cent year on year to N2.13 trillion, driven by improved yields on loans and advances to customers (N1.3 trillion), investment securities (N846.6 billion), Treasury bills (N660 billion), and other income streams, despite a modest rise in interest expenses.

Non-interest revenue also grew by 13 per cent to N1.53 trillion, supported by increased fee and commission income alongside gains from trading and foreign exchange activities

Fee and commission income was boosted mainly by cash management charges, card-related fees, and credit-linked fees, which together accounted for a sizable share of non-interest revenue.

On the expense front, operating costs rose by 8 per cent to N1.77 trillion, driven largely by increased staff expenses and other operating outlays.

Impairment charges on financial assets also climbed by 28 per cent to N613.2 billion, indicating higher credit risk costs over the period.

Nevertheless, operating profit after impairment grew by 30 per cent to N1.2 trillion, reinforcing the Group’s strong profitability performance.

Key indices

Interest income: N3.1 trillion (up 15 per cent YoY from N2.7 trillion)
Fees and commission income: N1.02 trillion (up 17 per cent YoY from N879.4 billion)

Operating income: N3.6 trillion (up 18 per cent YoY from N3.1 trillion)
Impairment charges on financial assets: N613.2 billion (up 28% YoY from N480.5 billion)

Pre-tax profit: N1.27 trillion (up 30 per cent YoY from N986.6 billion)

Share price data from the Nigerian Exchange shows that Ecobank Transnational Incorporated’s shares are currently trading at N51.90, marking a gain of over 8 per cent so far in February 2026, with more than 19 million shares changing hands.