Ecobank stories N1.27 trillion pretax revenue in 2025 as curiosity earnings swells 

Ecobank Transnational Included delivered a robust efficiency for the yr ended 31 December 2025, reporting a revenue earlier than tax of N1.27 trillion.

This represents a 30% improve in comparison with the N986.6 billion recorded in the identical interval of 2024, reflecting stable full-year progress.

On a quarterly foundation, revenue earlier than tax decreased to N264.5 billion in This fall 2025 from N274.3 billion within the fourth quarter of 2024.

Key Highlights 

• Curiosity earnings: N3.1 trillion (up 15% YoY from N2.7 trillion)
• Charges and fee earnings: N1.02 trillion (up 17% YoY from N879.4 billion)
• Working earnings: N3.6 trillion (up 18% YoY from N3.1 trillion)
• Impairment fees on monetary belongings: N613.2 billion (up 28% YoY from N480.5 billion)
• Pre-tax revenue: N1.27 trillion (up 30% YoY from N986.6 billion)
• Revenue after tax: N959.3 billion (up 29% YoY from N742 billion)
• Complete belongings: N49.4 trillion (Up 14.2% YoY from N43.3 trillion)
• Money stability: N8.57 trillion (Up from N7.89 trillion as at December 2024)

Driving the numbers 

The Group’s full-year income progress was pushed by a mix of upper internet curiosity earnings and stronger non-interest income.

• Internet curiosity earnings rose 22% yr on yr to N2.13 trillion, supported by improved yields on loans and advances to prospects (N1.3 trillion), funding securities (N846.6 billion), Treasury payments (N660 billion), and different earnings sources, regardless of a average improve in curiosity expense.
• Non-interest income elevated by 13% to N1.53 trillion, reflecting progress in charge and fee earnings in addition to buying and selling and international alternate features.

Price and fee earnings benefitted significantly from money administration charges, card administration charges, and credit-related charges, which collectively shaped a good portion of non-interest earnings.

• On the associated fee aspect, working bills grew by 8% to N1.77 trillion, largely pushed by increased workers prices and different working bills.

As well as, impairment fees on monetary belongings elevated by 28% to N613.2 billion, reflecting increased credit score danger prices through the yr.

Regardless of these pressures, working revenue after impairment fees expanded by 30% to N1.2 trillion, supporting the sturdy enchancment in profitability.

• Steadiness sheet enlargement was evident, with complete belongings rising by 14.2% yr on yr.

This was pushed by will increase in loans and advances to prospects, funding securities, and money balances, whereas borrowed funds declined, indicating some enchancment in funding combine through the interval.

Market response 

Share worth knowledge from the NGX reveals that Ecobank Transnational Included’s shares are at the moment buying and selling at N51.90, up greater than 8% month up to now in February 2026, with over 19 million shares traded.

This displays heightened market curiosity, with the inventory’s year-to-date achieve above 23%, probably pushed by constructive sentiment across the firm’s 2025 monetary efficiency.