Jaiz Bank Plc has achieved a strong financial performance for the year ended December 31, 2025, recording significant growth across key performance indicators despite Nigeria’s challenging macroeconomic environment.
Presenting the bank’s audited 2025 financial results, the Managing Director and Chief Executive Officer, Dr. Haruna Musa, said the institution remained resilient amid inflationary pressures, exchange rate volatility and rising operating costs, delivering sustained growth while advancing ethical and non-interest banking in Nigeria.
According to the audited results, the bank’s total assets rose by 19 per cent from ₦1.08 trillion in 2024 to ₦1.29 trillion in 2025, reinforcing its position as Nigeria’s leading non-interest bank.
Customer deposits also increased by 24 per cent, rising from ₦904 billion to ₦1.12 trillion, reflecting growing confidence in the bank’s products and services.
Net risk assets and investments grew by 27 per cent to ₦849 billion from ₦671 billion recorded in the previous year, highlighting the bank’s continued support for productive sectors of the economy while maintaining prudent risk management.
On profitability, Jaiz Bank posted gross earnings of ₦102.81 billion, representing a 24 per cent increase over the ₦82.87 billion recorded in 2024.
Profit before tax climbed by 28 per cent to ₦31.24 billion from ₦24.44 billion, driven by growth in financing activities, investment income and increased customer transactions.
The bank also improved its operational efficiency, with its cost-to-income ratio declining from 60.42 per cent in 2024 to 58.09 per cent in 2025. The improvement was attributed to digital transformation initiatives, process optimisation, disciplined cost management and enhanced productivity.
Jaiz Bank further strengthened its capital position during the year, as its Capital Adequacy Ratio increased from 23.87 per cent to 26.89 per cent, while its Statutory Liquidity Ratio stood at 43.45 per cent, well above regulatory requirements.
Beyond its financial performance, the bank achieved several strategic milestones during the year, including the successful rollout of its corporate rebranding campaign, “Jaiz Bank – With You for Life,” expansion of digital banking services, increased customer acquisition across retail, SME, commercial and corporate segments, and greater financing support for agriculture, infrastructure and renewable energy.
The bank also secured an upgraded BBB credit rating from GCR, reflecting stronger financial fundamentals and enhanced market confidence.
In another milestone, Jaiz Bank became the first African financial institution to be admitted as a Primary Dealer of the International Islamic Liquidity Management Corporation (IILM), further strengthening its position in the global Islamic finance industry.
Looking ahead, Dr. Musa said the bank would focus on accelerating digital transformation, expanding retail and SME banking, promoting financial inclusion through ethical banking solutions, strengthening its capital base through an ongoing capital raising programme, increasing shareholder value, and maintaining high standards of corporate governance and regulatory compliance.
He expressed appreciation to shareholders, customers, regulators, the Board of Directors and members of staff for their continued support, assuring stakeholders that the bank remains committed to delivering sustainable value while advancing ethical finance in Nigeria and beyond.