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Fidelity Bank (FIDELITYBK) investor relations material
Fidelity Bank Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary21 Nov, 2025
Executive summary
Achieved strong growth in gross earnings, reaching ₦1,114.8bn for the group, up from ₦772.5bn year-over-year, and ₦1,087.7bn for the bank, up from ₦754.8bn.
Profit before tax for the group was ₦268.2bn, slightly down from ₦281.4bn year-over-year, while profit after tax was ₦211.7bn, compared to ₦224.6bn.
Total assets increased to ₦10.55tn from ₦8.82tn, and customer deposits rose to ₦6.94tn from ₦5.94tn.
The group maintained a strong capital base, with total equity at ₦1.05tn.
Financial highlights
Net interest income for the group was ₦565.3bn, up from ₦470.5bn year-over-year.
Credit loss expense decreased to ₦14.6bn from ₦48.3bn, reflecting improved asset quality.
Fee and commission income grew to ₦84.5bn from ₦56.3bn.
Earnings per share (basic and diluted) stood at 142 kobo, down from 252 kobo year-over-year.
Total comprehensive income for the period was ₦218.1bn, compared to ₦276.2bn year-over-year.
Outlook and guidance
Management expects to meet financial obligations and continue as a going concern, despite global uncertainties.
The group anticipates continued growth, supported by a strong liquidity position and robust risk management.
Sagecom litigation: Impact on provisions
Non-distributable regulatory reserve increase drivers
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Next Fidelity Bank earnings date
Q4 202530 Jan, 2026
Next Fidelity Bank earnings date
Q4 202530 Jan, 2026
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