Prime Business Africa
In 2025, Ecobank Transnational Incorporated managed to shield its bottom line from investment loss and decline in other operating income, thanks to a strong topline.
According to the company’s consolidated unaudited statement of comprehensive income for the year ended December 31, 2025, the lender recorded over N4.81 trillion gross earnings for 2025, exceeding the N4.20 trillion recorded in 2024, indicating a 14 percent growth.
Join our WhatsApp ChannelAlso, Ecobank grew its interest income twofold or 15 percent year-on-year, from N2.75 trillion to N3.18 trillion, other interest income increased by a whopping 2,352.30 percent to N18.38 billion, from N749.86 million, while limiting interest expense to just a 4 percent increase, from N1 trillion to N1.04 trillion.
As a result, the lender recorded a 22 percent growth in net interest income, which grew to N2.13 trillion during the period under review, surpassing the N1.75 trillion recorded in 2024.
However, fee and commission income increased by 17 percent year-on-year, from N879.48 billion to N1.02 trillion, while fee and commission expense grew faster by 18 percent to N115.82 billion, from N97.80 billion.
Ecobank further strengthened its earnings with N559.35 billion trading income and foreign exchange gains in 2025, which increased from N491.56 billion the year before, representing a 14 percent growth.
But the company suffered a N10.97 billion investment loss last year, which increased by 339 percent when compared to the N2.50 billion investment loss recorded in 2024, while other operating income declined by 22 percent year-on-year, from N88.23 billion to N68.60 billion.
However, Ecobank offset the loss and decline with a N1.53 trillion non-interest revenue during the period under review, surpassing the N1.35 trillion generated in 2024.
In addition, the financial institution reported an operating income of N3.66 trillion in 2025, compared to the N3.10 trillion recorded in 2024, reflecting an 18 percent growth, overshadowing the 8 percent year-on-year increase in operating expenses, which rose from N1.64 trillion to N1.77 trillion.
This enabled Ecobank to close last year with N1.27 trillion as profit before tax (PBT) in 2025, compared to the N986.69 billion recorded the previous year, indicating a 30 percent growth.
Out of the pretax profit, Ecobank paid N319.79 billion as income tax last year, up by 31 percent from the N244.66 billion recorded in 2024, leaving the company with N959.38 billion profit after taxation in 2025, up by 29 percent compared to the N742.03 billion reported in 2024.
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Prime Business Africa is a business, economy and policy news platform founded in 2021 by veteran journalist and media scholar, Dr Marcel Mbamalu, after he left The Guardian as Editor.
Dr Mbamalu, who serves as Founder and Publisher, set up Prime Business Africa to deliver sharp, data-driven reporting on Nigeria’s markets, trade, investment, and governance trends for decision-makers, entrepreneurs, and policy leaders.
He also writes The Bottom Line, a backpage column for Punch Newspaper every Thursday.
Under his leadership, Prime Business Africa combines deep newsroom experience with a focus on accountability journalism, aiming to bridge information gaps between Africa’s private sector and the global economy.
