Fidelity Bank Plc has released its audited financial results for the 2025 financial year, posting strong growth across major business segments.
The Nigerian lender reported significant increases in gross earnings, profit before tax, customer deposits, and total assets, reflecting stronger business performance and growing customer confidence.
According to the bank’s audited results for the year ended December 31, 2025, gross earnings increased by 45.6 percent.
The bank recorded gross earnings of N1.52 trillion in FY 2025, compared to N1.04 trillion in 2024.
The strong performance was driven by growth in interest income and higher earnings from fees and commissions.
Profit Before Tax Hits N347.7 Billion
Fidelity Bank posted a Profit Before Tax of N347.7 billion during the period under review.
Interest income rose by 38.7 percent year-on-year to N1.11 trillion, up from N803.1 billion recorded in FY 2024.
Fees and commission income also increased significantly by 44.7 percent to N113.4 billion, compared to N78.4 billion in the previous financial year.
The financial institution said the growth reflects stronger topline momentum across its core banking operations.
Total Assets and Customer Deposits Increase
The bank’s balance sheet also showed strong expansion during the year.
Total assets climbed by 18.6 percent year-on-year to N10.46 trillion from N8.82 trillion in 2024.
Customer deposits increased by 16.1 percent to N6.89 trillion, compared to N5.94 trillion recorded in the previous year.
The growth in deposits highlights increasing customer trust and stronger market presence for the bank.
Capital Position Remains Strong
Fidelity Bank further improved its capital position during the financial year.
Eligible capital rose to N561 billion, exceeding the regulatory minimum requirement of N500 billion for banks with international authorisation.
Its Capital Adequacy Ratio also improved significantly to 30.94 percent as of December 31, 2025, up from 23.47 percent recorded in FY 2024.
Fidelity Bank Expands Digital Banking Growth
The bank currently serves more than 9.1 million customers through its digital banking platforms, branch network across Nigeria, and its United Kingdom subsidiary, FidBank UK Limited.
Over the years, Fidelity Bank has continued to receive recognition for innovation, digital banking services, and support for small and medium-scale enterprises.
Among its recent awards are:
- Excellence in Digital Transformation & MSME Banking Award
- Most Innovative Mobile Banking Application Award
- Best Bank for SMEs in Nigeria
- Export Financing Bank of the Year
Fidelity Bank’s FY 2025 results reflect strong financial growth, improved capital strength, and expanding customer confidence.
The latest performance positions the bank among Nigeria’s leading financial institutions as competition within the banking sector continues to intensify.
