Stanbic IBTC Holdings PLC posted a strong full-year 2025 performance, with profit after tax rising sharply to ₦376.5 billion, underscoring the group’s ability to capitalise on Nigeria’s high-interest-rate environment and expanding financial services footprint.
Profit growth was driven primarily by a surge in core banking income, particularly interest earnings, alongside solid contributions from non-interest revenue streams.
Profit and Revenue Performance
The group recorded profit before tax of ₦551.8 billion, up from ₦303.8 billion in 2024, while total income climbed to approximately ₦896 billion, reflecting a 38% year-on-year increase.
Net interest income remained the dominant driver, rising 43% to ₦585 billion, supported by improved yields on earning assets and loan growth. Non-interest income also strengthened:
- Fee and commission income rose 35% to ₦230.2 billion
- Trading revenue increased 33% to ₦77 billion
Earnings per share advanced to ₦23.68, up from ₦17.10, signalling stronger shareholder returns.
On a quarterly basis, the group’s Q4 2025 profit surged to ₦101.2 billion, compared to just ₦13.4 billion in the same period of 2024, indicating a strong close to the year.
Operating expenses increased by about 35% to ₦330 billion, largely reflecting higher personnel and administrative costs in an inflationary environment. However, revenue growth outpaced cost expansion, preserving profitability margins.
Declared Dividends
Stanbic IBTC sustained its dividend-paying track record, distributing ₦81.2 billion during the 2025 financial year. This includes:
- Interim dividend: ₦2.50 per share (paid October 2025), up 25% year-on-year
- Final dividend: Expected to be proposed at the 2026 Annual General Meeting
The interim payout alone amounted to roughly ₦39.75 billion, reinforcing the group’s commitment to consistent capital returns.
