Mariam Abeeb
The JAIZ bank plc has disclosed that its customer deposits grew by 24% from N904billion to N1.12 trillion in the year 2025 , reflecting growing customer confidence in our brand, products, and service delivery.
The Managing Director/Chief Executive Officer, Dr Haruna Musa, made this known while speaking on the bank’s performance highlights in a press briefing after the Virtual 2025 Annual General Meeting in Abuja.
The CEO explained that the 2025 financial year was another period of remarkable growth and strategic progress for Jaiz Bank.
He stated that despite a challenging macroeconomic environment characterized by inflationary pressures, exchange rate volatility, and elevated operating costs, the Bank demonstrated resilience, discipline, and strong execution of its strategic objectives.
He assured that results reaffirm the strength of our business model, the confidence of our customers, and the increasing acceptance of ethical and non-interest banking across Nigeria.
He noted that the Assets increased by 19% from N1.08 trillion in 2024 to N1.29 trillion in 2025, reinforcing Jaiz Bank’s position as the leading non-interest bank in Nigeria.
Dr Musa revealed that the Net Risk Assets and Investments rose by 27% from N671 billion to N849 billion, demonstrating our commitment to financing productive sectors of the economy while maintaining prudent risk management.
Speaking on the significant earnings and profitability growth, the MD mentioned that Gross Earnings increased by 24% to N102.81 billion, compared to N82.87 billion in 2024.
According to him, Profit Before Tax grew by 28%, reaching N31.24 billion, up from N24.44 billion in the previous year. This performance was driven by growth in financing activities, investment income, and increased customer transactions.
He added that the results underscore our ability to generate sustainable earnings while remaining faithful to our principles of ethical and value-based banking.
“One of the most notable achievements during the year was the continued improvement in operational efficiency.
“Our Cost-to-Income Ratio declined from 60.42% in 2024 to 58.09% in 2025.
“This reflects our focus on digital transformation, process optimization, disciplined cost management, and improved productivity across the Bank.
“The Bank’s Capital Adequacy Ratio improved significantly from 23.87% to 26.89%, representing a 12.6% increase year-on-year.
“This strong capital position provides adequate capacity to support future growth, absorb potential shocks, and position the Bank to take advantage of emerging opportunities in the financial services sector.
“Statutory Liquidity Ratio stands at 43.45%, which remains substantially above regulatory requirements and reflects the Bank’s effective deployment of funds into productive financing and investment opportunities,” he noted.
While highlighting the Bank’s major milestones achieved in year 2025, he said the bank has successfully execute the corporate rebranding programme. (Jaiz Bank – With you for Life), Continued expansion of digital banking capabilities, Enhanced customer acquisition across retail, SME, commercial and corporate segments, Expansion of our financing support to agriculture, SMEs, infrastructure and renewable energy sectors, among others .
Looking ahead, the Managing Director assured that in 2026, the Bank will continue to focus on Accelerating digital transformation initiatives, Expanding retail and SME banking penetration, Deepening financial inclusion through ethical banking solutions, Strengthening capital through our ongoing capital raising programme.
He added that the bank will increase shareholder value through sustainable growth and profitability, and maintaining strong governance, risk management, and regulatory compliance standards.
He reaffirmed commitment in building a stronger, more innovative, and more inclusive institution that delivers sustainable value to all stakeholders while advancing ethical finance in Nigeria and beyond.
