Stanbic IBTC Holdings Plc has announced its financial results for the first half of 2025, showcasing solid growth across key performance indicators and rewarding shareholders with an interim dividend of N2.50 per share. The group posted a profit after tax of N173.43 billion, representing a 49 percent increase year on year, while profit before tax stood at N243.74 billion.
Interest Income Growth Drives Earnings
Interest income surged to N384.79 billion in H1 2025, up by 56.34 percent compared with the same period in 2024. This growth reflects improved yields on interest-earning assets and stronger loan book performance. Net interest income rose even more sharply, climbing 81.31 percent to N316.01 billion, highlighting the group’s efficient management of interest expenses and strong lending activity.
Balance Sheet Expansion Strengthens Stability
Stanbic IBTC’s total assets increased by 17.51 percent to N8.12 trillion, reinforcing its position as one of Nigeria’s largest financial institutions by balance sheet size. Cash and cash equivalents closed the period at N2.25 trillion, a modest 0.37 percent increase year on year, reflecting stable liquidity management. Retained earnings grew by 24.26 percent to N686.72 billion, strengthening the group’s capital buffer and ability to sustain growth.
Dividend Reward Underscores Shareholder Value
The declaration of an interim dividend of N2.50 per share demonstrates management’s confidence in the group’s performance and its commitment to shareholder returns. This payout marks an increase compared to prior years, offering investors higher value amid rising profitability.
Strong Profitability and Return Metrics
Stanbic IBTC delivered a return on assets of approximately 2.14 percent for the first half of 2025, underlining efficient balance sheet utilization. The N243.74 billion pre-tax profit further underscores strong earnings momentum, supported by a combination of interest income growth, fee-based revenues, and disciplined cost management.
Outlook for the Rest of 2025
The group’s robust financial performance positions it for continued resilience in the second half of the year. However, management and investors will closely monitor funding costs, non-interest revenue streams, and regulatory requirements to ensure sustainable growth. With rising retained earnings and liquidity strength, Stanbic IBTC remains well placed to capture market opportunities while maintaining capital adequacy.
