Jaiz Bank stories N31.3 billion revenue in 2025 on greater funding earnings 

Jaiz Bank Plc ended 2025 with improved profitability, as pretax revenue elevated to N31.3 billion from N24.4 billion, supported by greater earnings.

Fourth-quarter efficiency confirmed additional enchancment, with pretax revenue rising to N8.1 billion, an 8.27% improve from N7.4 billion a yr earlier, pushed by a surge in top-line earnings.

For the complete yr, top-line web earnings from financing and investing actions rose to N97.4 billion, in contrast with N76.5 billion recorded within the prior yr.

Of this quantity, the fourth quarter contributed N26.3 billion, up from N22.5 billion within the corresponding interval of the earlier yr.

Key Highlights (FY2025 vs FY2024) 

• Revenue from financing contracts: N45.9 billion, up 43.31% YoY
• Revenue from investing actions: N52 billion, up 17.22% YoY
• Impairment expenses: N452 million, vs a acquire of N166.3 million in 2024
• Internet earnings after provisions: N97.4 billion, up 27.29% YoY
• Internet charges and fee income: N3.2 billion vs N5.4 billion
• Whole earnings: N74.7 billion, up 21.06% YoY
• Whole bills: N43.3 billion, up 16.23% YoY
• Pretax revenue: N31.3 billion, up 28.43% YoY

Driving the Numbers 

A better have a look at Jaiz Bank’s financials reveals that “murabaha” transactions dominated earnings from financing actions, contributing N33.4 billion, adopted by ijara transactions at N10.3 billion, with different contracts accounting for the the rest, bringing the overall to N45.9 billion.

Revenue from investing actions was even greater, rising to N52 billion from N44.3 billion within the earlier yr.

• Of this, sukuk investments accounted for N37.4 billion; interbank investments contributed N8.1 billion, and buying and selling property added N6.4 billion.

After an impairment cost of N452 million, web earnings from financing and investing actions stood at N97.4 billion, up 27.29% yr on yr. The bank distributed N26.8 billion to fairness funding account holders, leaving N70.6 billion as “mudarib”.

• Together with web charges and commissions of N3.2 billion, whole earnings reached N74.7 billion.
• With whole bills of N43.3 billion accounted for, pretax revenue totaled N31.3 billion.
• On the stability sheet, whole property grew to N1.2 trillion from N1.08 trillion in 2024.
• Sukuk investments remained the biggest asset class at N489.4 billion, adopted by financing property at N245.6 billion and money and bank balances with the CBN at N214.5 billion.

Nonetheless, shareholder fairness declined barely to N68.3 billion from N71.4 billion in 2024, with retained earnings at N12.5 billion.

Whole liabilities rose to N1.2 trillion, led by customer present deposits of N724 billion.

Market response 

Jaiz Bank is recovering from a short-term dip that noticed its share fall under N8 on the second buying and selling day of February 2026.

At present buying and selling at N8.05, the inventory may check ranges above N9, supported by constructive sentiment round its current monetary outcomes.