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Price: 2.28 EUR 0.88% Market Closed

Market Cap: €971.5m

Income Statement

Net Interest Income

Non Interest Income

Currency: NGN

		Dec-2010	Mar-2011	Jun-2011	Sep-2011	Dec-2011	Mar-2012	Jun-2012	Sep-2012	Dec-2012	Mar-2013	Jun-2013	Sep-2013	Dec-2013	Mar-2014	Jun-2014	Sep-2014	Dec-2014	Mar-2015	Jun-2015	Sep-2015	Dec-2015	Mar-2016	Jun-2016	Sep-2016	Dec-2016	Mar-2017	Jun-2017	Sep-2017	Dec-2017	Mar-2018	Jun-2018	Sep-2018	Dec-2018	Mar-2019	Jun-2019	Sep-2019	Dec-2019	Mar-2020	Jun-2020	Sep-2020	Dec-2020	Mar-2021	Jun-2021	Sep-2021	Dec-2021	Mar-2022	Jun-2022	Sep-2022	Dec-2022	Mar-2023	Jun-2023	Sep-2023	Dec-2023	Mar-2024	Jun-2024	Sep-2024	Dec-2024	Mar-2025	Jun-2025	Sep-2025	Dec-2025
Revenue
Net Interest Income		82 369	85 294	90 458	94 191	98 491	107 270	113 358	122 348	130 686	132 681	134 835	136 782	136 939	138 234	139 961	140 323	142 392	146 816	150 949	157 186	159 947	161 578	158 942	172 565	195 400	220 734	245 821	252 217	246 663	240 223	235 056	227 739	222 434	220 962	220 869	224 729	231 363	237 428	242 613	248 162	253 668	241 820	232 958	226 724	220 613	225 233	234 406	247 359	259 303	284 250	398 065	449 305	436 697	663 997	750 749	920 634	1 058 586	1 149 647	1 199 312	1 229 250	1 260 587
Interest Income		112 521	109 697	112 915	118 364	126 472	139 117	148 183	160 669	170 295	174 871	179 118	182 378	185 383	188 641	193 099	196 603	200 603	207 026	214 771	225 379	229 237	230 118	225 130	238 183	262 494	290 770	318 601	328 854	327 334	323 997	323 329	316 608	306 963	300 674	294 075	293 606	296 205	298 758	300 920	300 243	300 738	284 009	273 120	267 547	266 894	277 228	288 002	304 350	325 400	358 837	404 146	693 411	550 755	954 273	1 168 643	1 156 537	1 341 802	1 457 539	1 536 274	1 592 331	1 653 164
Interest Expense		30 152	10 411	16 974	18 689	27 980	31 846	34 822	38 320	39 609	42 190	44 285	45 597	48 444	50 407	53 137	56 279	58 211	60 208	63 822	68 193	69 290	68 541	66 187	65 617	67 094	70 034	72 779	76 637	80 670	83 775	88 274	88 870	84 530	79 712	73 206	68 877	64 842	61 330	58 307	52 082	47 069	42 189	40 162	40 822	46 281	51 996	53 597	56 991	66 097	74 587	110 161	100 311	114 059	146 481	191 948	235 903	283 215	307 891	336 962	363 081	392 577
Non Interest Income		39 834	38 218	48 294	48 101	55 937	52 786	56 707	54 688	50 054	57 074	52 836	73 070	57 527	74 839	77 664	64 457	77 918	86 883	97 104	95 484	72 613	131 871	186 502	217 709	152 129	159 824	106 404	72 360	91 893	103 699	112 588	134 177	127 735	142 466	144 044	138 715	139 202	142 599	140 069	141 248	154 492	165 094	167 061	177 840	180 932	195 514	205 517	205 387	215 598	228 131	631 694	642 414	641 247	1 077 248	1 004 935	995 935	848 205	546 450	307 937	426 134	578 999
Revenue		122 203 N/A	123 512 +1%	138 752 +12%	142 292 +3%	154 428 +9%	160 056 +4%	170 065 +6%	177 036 +4%	180 740 +2%	189 755 +5%	187 671 -1%	209 852 +12%	194 466 -7%	213 073 +10%	217 625 +2%	204 780 -6%	220 310 +8%	233 699 +6%	248 053 +6%	252 670 +2%	232 560 -8%	293 449 +26%	345 444 +18%	390 274 +13%	347 529 -11%	380 558 +10%	352 225 -7%	324 577 -8%	338 556 +4%	343 922 +2%	347 644 +1%	361 916 +4%	350 169 -3%	363 428 +4%	364 913 +0%	363 444 0%	370 565 +2%	380 027 +3%	382 682 +1%	389 410 +2%	408 160 +5%	406 914 0%	400 019 -2%	404 564 +1%	401 545 -1%	420 747 +5%	439 923 +5%	452 745 +3%	474 901 +5%	512 381 +8%	1 029 758 +101%	1 091 719 +6%	1 077 943 -1%	1 741 245 +62%	1 755 685 +1%	1 916 569 +9%	1 906 791 -1%	1 696 098 -11%	1 507 249 -11%	1 655 384 +10%	1 839 586 +11%
Pre-Tax Income
Loan Loss Provision		(8 089)	(6 190)	(12 723)	(14 069)	(19 503)	(18 916)	(14 388)	(12 854)	(836)	(1 698)	257	(114)	(2 886)	(2 894)	(6 907)	(6 519)	(7 098)	(9 348)	(7 709)	(9 326)	(12 408)	(12 268)	(44 005)	(60 977)	(65 290)	(65 317)	(34 556)	(16 163)	(12 169)	(9 995)	(6 987)	(5 548)	(4 906)	(3 918)	(5 061)	(5 932)	(4 912)	(5 484)	(9 495)	(12 295)	(19 573)	(20 210)	(17 519)	(15 422)	(8 531)	(7 880)	(7 336)	(6 237)	(11 987)	(14 220)	(94 872)	(101 194)	(102 953)	(116 441)	(67 386)	(77 045)	(136 662)	(136 598)	(144 238)	(142 897)	(66 423)
Non Interest Expense		(65 658)	(62 227)	(70 380)	(69 388)	(72 845)	(72 645)	(72 876)	(74 558)	(76 876)	(80 920)	(81 172)	(101 234)	(84 488)	(103 576)	(107 595)	(92 838)	(96 826)	(103 318)	(114 242)	(115 596)	(99 458)	(162 463)	(152 476)	(162 675)	(117 103)	(133 235)	(145 660)	(134 081)	(128 702)	(134 008)	(134 437)	(144 468)	(129 676)	(139 563)	(138 111)	(135 520)	(133 946)	(141 615)	(147 553)	(148 707)	(150 492)	(153 131)	(161 063)	(166 491)	(171 516)	(190 767)	(200 897)	(207 195)	(248 761)	(264 202)	(422 495)	(438 801)	(365 682)	(506 147)	(402 612)	(443 953)	(503 883)	(502 224)	(499 640)	(564 903)	(542 081)
Pre-Tax Income		48 456 N/A	52 204 +8%	55 649 +7%	58 835 +6%	62 080 +6%	68 494 +10%	82 801 +21%	89 624 +8%	103 028 +15%	107 137 +4%	106 756 0%	108 503 +2%	107 091 -1%	106 603 0%	103 123 -3%	105 423 +2%	116 386 +10%	121 033 +4%	126 101 +4%	127 748 +1%	120 695 -6%	118 718 -2%	148 965 +25%	166 624 +12%	165 136 -1%	182 006 +10%	172 008 -5%	174 331 +1%	197 685 +13%	199 916 +1%	206 216 +3%	211 897 +3%	215 587 +2%	219 947 +2%	221 741 +1%	221 992 +0%	231 708 +4%	232 926 +1%	225 634 -3%	228 408 +1%	238 095 +4%	233 574 -2%	221 437 -5%	222 651 +1%	221 498 -1%	222 100 +0%	231 691 +4%	239 314 +3%	214 154 -11%	233 958 +9%	512 392 +119%	551 723 +8%	609 308 +10%	1 118 657 +84%	1 285 686 +15%	1 395 571 +9%	1 266 246 -9%	1 057 275 -17%	863 372 -18%	947 584 +10%	1 231 081 +30%
Net Income
Tax Provision		(10 109)	(10 239)	(8 688)	(14 400)	(14 277)	(15 707)	(16 894)	(14 997)	(16 341)	(17 204)	(15 998)	(16 309)	(17 067)	(16 028)	(18 106)	(17 898)	(17 691)	(18 884)	(18 040)	(20 636)	(21 258)	(20 231)	(25 441)	(25 266)	(32 856)	(36 709)	(36 356)	(36 401)	(29 772)	(28 812)	(26 403)	(27 340)	(30 876)	(30 604)	(33 479)	(32 516)	(34 842)	(35 297)	(33 631)	(36 249)	(36 655)	(36 656)	(34 854)	(34 094)	(46 658)	(49 599)	(58 710)	(63 527)	(44 981)	(49 825)	(82 126)	(87 313)	(69 654)	(121 868)	(120 946)	(138 330)	(248 443)	(238 577)	(302 125)	(315 143)	(365 335)
Income from Continuing Operations		38 347	41 965	46 961	44 435	47 803	52 787	65 907	74 627	86 687	89 933	90 759	92 195	90 024	90 576	85 017	87 525	98 695	102 149	108 061	107 112	99 437	98 487	123 524	141 358	132 281	145 298	135 653	137 931	167 913	171 105	179 815	184 559	184 711	189 345	188 263	189 477	196 866	197 629	192 003	192 159	201 440	196 919	186 583	188 557	174 839	172 501	172 982	175 787	169 173	184 133	430 266	464 410	539 655	996 790	1 164 740	1 257 240	1 017 803	818 698	561 247	632 442	865 747
Income to Minority Interest		(430)	(308)	(246)	(271)	(287)	(299)	(354)	(265)	(289)	(358)	(371)	(392)	(425)	(585)	(570)	(601)	(698)	(642)	(763)	(824)	(758)	(783)	(724)	(921)	(939)	(990)	(1 125)	(1 012)	(867)	(888)	(847)	(804)	(788)	(889)	(1 043)	(1 149)	(1 467)	(1 544)	(1 577)	(1 684)	(1 830)	(1 959)	(2 201)	(2 440)	(2 732)	(3 026)	(3 216)	(3 491)	(2 437)	(2 576)	(3 653)	(4 437)	(5 229)	(7 325)	(8 956)	(10 774)	(11 583)	(13 032)	(13 628)	(13 921)	(12 198)
Net Income (Common)		37 916 N/A	41 780 +10%	47 288 +13%	44 903 -5%	51 204 +14%	56 121 +10%	69 276 +23%	77 919 +12%	86 958 +12%	90 115 +4%	90 388 +0%	91 803 +2%	89 599 -2%	89 992 +0%	84 447 -6%	86 924 +3%	97 997 +13%	101 505 +4%	107 296 +6%	106 286 -1%	98 678 -7%	97 702 -1%	122 799 +26%	140 436 +14%	131 342 -6%	144 309 +10%	134 529 -7%	136 920 +2%	167 045 +22%	170 217 +2%	178 968 +5%	183 755 +3%	183 923 +0%	188 455 +2%	187 219 -1%	188 327 +1%	195 382 +4%	196 067 +0%	190 408 -3%	190 457 +0%	199 609 +5%	194 961 -2%	184 384 -5%	186 119 +1%	172 107 -8%	169 476 -2%	169 766 +0%	172 296 +1%	166 737 -3%	181 557 +9%	426 613 +135%	459 972 +8%	534 425 +16%	989 465 +85%	1 155 784 +17%	1 246 467 +8%	1 006 220 -19%	805 666 -20%	547 619 -32%	618 521 +13%	853 548 +38%
EPS (Diluted)		1.63 N/A	1.43 -12%	1.66 +16%	1.54 -7%	1.81 +18%	2.01 +11%	2.43 +21%	2.65 +9%	3.08 +16%	3.2 +4%	3.19 0%	3.23 +1%	3.17 -2%	3.18 +0%	2.99 -6%	3.08 +3%	3.47 +13%	3.6 +4%	3.8 +6%	3.77 -1%	3.51 -7%	3.47 -1%	4.37 +26%	5 +14%	4.67 -7%	5.14 +10%	4.79 -7%	4.87 +2%	5.94 +22%	6.05 +2%	6.36 +5%	6.53 +3%	6.54 +0%	6.7 +2%	6.66 -1%	6.73 +1%	6.96 +3%	7 +1%	6.77 -3%	6.84 +1%	7.11 +4%	6.96 -2%	6.58 -5%	6.71 +2%	6.14 -8%	6.04 -2%	6.05 +0%	6.24 +3%	5.95 -5%	6.47 +9%	15.23 +135%	16.41 +8%	19.07 +16%	35.31 +85%	41.28 +17%	44.51 +8%	35.44 -20%	24.8 -30%	16.86 -32%	18.89 +12%	25.43 +35%

Income Statement Balance Sheet Cash Flow Statement

Income Statement Balance Sheet Cash Flow Statement

See Also

Relative Valuation

Wall Street Estimates

Profitability Analysis

Solvency Analysis

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