Ecobank Reports $801m Profit Before Tax For 2025

Ecobank Transnational Incorporated (ETI) has reported a pre-tax profit of N801 million for the 2025 financial year, reflecting sustained revenue generation from its diversified operations across sub-Saharan Africa.

The Group in its 2025 audited results for the year ended December 31, 2025 showed that profit before tax up by 21 per cent year-on-year (YoY) to $801 million, while earnings per share stood at $0.017 (1.68 US cents), up 23 per cent.

The ETI Board recommended a dividend payout of $40 million, or 0.16 US cents ($0.0016) per share, pending shareholder approval at the Annual General Meeting (AGM).

Return on average assets (ROA) amounted to 1.9 per cent; while return on average tangible equity (ROTE) of 27.8 per cent.

Net revenue grew by 17 per cent to $2.45 billion, while customer deposits increased by $4.9 billion to $25.3 billion, with CASA deposits up $4.4 billion and a CASA ratio of 87.1 per cent

Gross loans and advances to customers increased by $2.3 billion to $12.8 billion.

Speaking the CEO of Ecobank Group, Jeremy Awori stated that “our 2025 performance has further demonstrated that our Growth Transformation and Returns (GTR) strategy, along with our geographically diversified business model, are yielding positive results.

“Group-wide revenues increased by 17 per cent to $2.45 billion, with Corporate and Investment Banking (CIB) revenues rising by 21 per cent and Consumer and Commercial Banking (CCB) revenues increasing by 14 per cent.

“Payment revenue rose 14 per cent to $305 million, driven by higher transaction volumes across channels. Group-wide profit before tax rose by 21 per cent to $801 million, resulting in a return on tangible shareholders’ equity of 27.8 per cent. We also increased perorganisation’ss and tangible book value by 23 per cent and 82 per cent, respectively.”

He added that “in our consumer Banking business, we broadened access for both performance improvementigital account openings in more markets. We installed 500 new ATMs, extended our Direct Sales Agents into 22 markets, and added over 1,000 new personnel. In Commercial Banking, we strengthened our relationships with small and medium-size (SMEs), particularly in the agribusiness sector, by introducing spper cented expertise and enhanced digital tools to serve our clients better and improve access to funding.

“Within CIB, we secured over 75 major mandates with multinationals, development finance institutions (DFIs), humanitarian agencies, and regional corporations, while $610 million in commodity financing supported robust performance in our Trade business.”

“As we look ahead to 2026, we remain confident in our ability to execute our GTR strategic initiatives. However, we are fully aware of the potemphasisedlications for economic and financial conditions stemming from geopolitical tensions in the Middle East, as well as macroeconomic impacts across Africa and globally. Our focus remains on executing with agility, resilience, and disciplined risk and expense management across all our markets,” Awori noted.