Fidelity Bank Plc said it recorded a 45.6% rise in gross earnings to N1.52 trillion for the year ended Dec. 31, 2025, compared with N1.04 trillion in 2024, driven by strong growth in core business lines.
The bank reported profit before tax of N347.7 billion for the period.
Interest income rose 38.7% year on year to N1.11 trillion from N803.1 billion, while fees and commission income increased 44.7% to N113.4 billion from N78.4 billion.
Total assets grew 18.6% to N10.46 trillion from N8.82 trillion in 2024. Customer deposits rose 16.1% to N6.89 trillion from N5.94 trillion, reflecting continued franchise strength and customer confidence.
Net loans and advances declined 2.4% to N4.28 trillion from N4.39 trillion as customers paid down maturing obligations.
The bank said eligible capital rose to N561 billion, above the regulatory minimum of N500 billion for internationally authorized banks. Its capital adequacy ratio stood at 30.94%, compared with 23.47% in 2024.
Fidelity Bank serves more than 9.1 million customers through digital channels, 255 business offices in Nigeria and its UK subsidiary, FidBank UK Limited.
The bank has received several awards, including the 2024 Excellence in Digital Transformation and MSME Banking Award from the BusinessDay Banks and Financial Institutions Awards, and recognition from Euromoney as Best Bank for SMEs in Nigeria.
