Access Holdings achieved a historic milestone by crossing the N1 trillion mark in pre-tax profit for the first time. The bank reported a profit before tax of N1.007 trillion for the year ended December 31, 2025. This figure represents a 16.16% increase compared to N867 billion in 2024.
In addition to its impressive profit figures, Access Holdings experienced growth across several key financial metrics. Net interest income rose to N1.36 trillion. Furthermore, net fees and commission income grew by 40.9% to N585.1 billion. Total assets increased by 24.3% to N51.57 trillion.
Customer deposits also saw significant growth, rising by 53.4% to N34.56 trillion. Shareholders’ funds increased by 15% to N4.33 trillion, reflecting strong financial health for the institution.
However, earnings per share declined by 19.33% year-on-year to N13.48, and the impairment charge surged by 113.42% to N523.550 billion, indicating some challenges ahead.
The cost-to-income ratio improved, declining to 51.7% from 56.7% in 2024. Additionally, the bank’s fair value and foreign exchange gain was N1.05 trillion, reflecting a remarkable 152% year-on-year growth.
Innocent Ike, CEO of Access Holdings, commented on the bank’s performance: “Our 2025 performance reflects both the resilience of the Access franchise and the strength of the institution we have built over time.” He added that they have entered a more deliberate optimization phase focused on returns on capital and long-term value creation.
The bank’s gross earnings reached N5.529 trillion, marking a 13.34% increase compared to the previous year. Despite a dynamic operating environment, Access Holdings delivered strong earnings supported by diversified income streams and disciplined execution.