Fidelity Bank Plc has officially released its audited financial statement for the 2025 fiscal year, showcasing a significant expansion in its earnings power. The Tier-1 bank saw its Gross Earnings soar by 45.6%, climbing from ₦1.04 trillion in the previous year to a record ₦1.52 trillion. This surge reflects a powerful momentum across its primary business units.
The bank’s profitability remains on a steady upward trajectory, with a reported Profit Before Tax (PBT) of ₦347.7 billion. This bottom-line success was largely fueled by two major streams:
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Interest Income: Rose by 38.7% to reach ₦1.11 trillion.
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Fees and Commissions: Experienced a 44.7% jump, settling at ₦113.4 billion.
The institution’s balance sheet also demonstrated resilience, with total assets expanding by 18.6% to hit ₦10.46 trillion. Customer loyalty appears to be at an all-time high, as deposits grew by 16.1% to ₦6.89 trillion. Interestingly, while the bank’s footprint grew, net loans and advances saw a marginal dip of 2.4% (closing at ₦4.28 trillion), a result of customers successfully settling their maturing debt obligations.
One of the most critical highlights of the report is the bank’s regulatory health. Fidelity Bank has fortified its capital base to ₦561 billion, comfortably exceeding the ₦500 billion requirement set for banks with international licenses. Its Capital Adequacy Ratio (CAR) saw a massive boost, jumping from 23.47% in 2024 to 30.94% by the end of 2025.
Beyond the numbers, the bank continues to cement its reputation as an industry leader. Serving over 9.1 million customers across Nigeria and the UK, Fidelity Bank was recently honored with several prestigious accolades, including:
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Best Bank for SMEs in Nigeria (Euromoney Awards).
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Excellence in Digital Transformation & MSME Banking (BusinessDay BAFI Awards).
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Most Innovative Mobile Banking App (Global Business Outlook).
Through its 255 business offices and its UK subsidiary, FidBank UK Limited, the bank remains a dominant force in export financing and digital banking innovation.
