Jaiz Bank Plc closed 2025 with ₦1.29 trillion in property, ₦31.04 billion in revenue, and 69.62 kobo earnings per share, in line with the bank’s unaudited monetary assertion.
Steadiness Sheet Efficiency
Complete property rose to ₦1.29 trillion in 2025 from ₦1.08 trillion in 2024 amid broad progress throughout liquid property and funding securities.
Money and balances with the Central Bank of Nigeria declined to ₦214.54 billion, down from ₦238.76 billion, whereas placements with banks and different monetary establishments elevated to ₦174.57 billion from ₦142.40 billion.
Funding in sukuk expanded to ₦489.49 billion, in contrast with ₦349.56 billion a yr earlier, reinforcing Jaiz Bank’s rising allocation to Shari’ah-compliant fixed-income property.
Financing property declined to ₦215.25 billion from ₦245.69 billion, whereas stock financing decreased to ₦58.34 billion.
Property and tools elevated to ₦20.17 billion, whereas leasehold enhancements fell sharply to ₦4.43 billion from ₦27.67 billion, largely as a consequence of depreciation and asset rationalisation.
Liabilities and Funding Construction
Complete liabilities declined to ₦1.01 trillion from ₦1.22 trillion, pushed primarily by a discount in different funding strains.
Buyer present deposits rose sharply to ₦724.05 billion, up from ₦493.60 billion, highlighting sturdy deposit mobilisation and improved liquidity assist. Clients’ unrestricted funding accounts stood at ₦394.28 billion, underscoring the size of profit-sharing funding funding below the bank’s non-interest banking mannequin.
Tax payable elevated barely to ₦77.19 billion, from ₦73.90 billion in 2024.
Fairness Place
Complete shareholders’ fairness declined modestly to ₦68.34 billion, in contrast with ₦71.47 billion within the prior yr, reflecting decrease retained earnings.
Retained earnings fell to ₦12.57 billion from ₦15.69 billion, whereas statutory, regulatory, and different reserves remained unchanged, offering balance-sheet stability.
Revenue and Profitability
Gross earnings from financing and funding actions rose to ₦97.93 billion, up from ₦76.41 billion in 2024, supported by greater earnings from sukuk investments and financing contracts.
After impairment expenses of ₦452.08 million, internet earnings after provisions stood at ₦97.47 billion, in contrast with ₦76.57 billion a yr earlier.
Returns paid to fairness funding account holders elevated to ₦26.86 billion, leaving the bank’s share as fairness investor at ₦70.61 billion, up from ₦55.29 billion in 2024.
Internet charges and fee earnings improved, whereas different working earnings contributed ₦1.09 billion, partly offset by an unrealised international alternate lack of ₦226.40 million.
Prices and Earnings
Complete working bills rose to ₦43.37 billion from ₦37.31 billion, pushed by greater employees prices and different working bills.
Revenue earlier than tax elevated to ₦31.39 billion, in contrast with ₦24.44 billion in 2024. After tax, revenue for the yr stood at ₦31.04 billion, up from ₦23.48 billion.
Earnings per share improved to 69.62 kobo, from 66.38 kobo recorded within the earlier yr.
Outlook
Jaiz Bank’s 2025 outcomes replicate continued balance-sheet enlargement anchored on deposit progress and sukuk investments, with profitability supported by stronger financing and funding earnings.
Nonetheless, rising working prices and a modest decline in fairness spotlight the significance of price self-discipline, environment friendly asset deployment, and sustained deposit mobilisation because the bank positions for progress in 2026.
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