{"id":101089,"date":"2025-10-30T19:29:36","date_gmt":"2025-10-30T19:29:36","guid":{"rendered":"https:\/\/sotnews.agency\/?p=101089"},"modified":"2025-10-30T19:29:36","modified_gmt":"2025-10-30T19:29:36","slug":"ecobank-group-reports-profit-before-tax-of-657-million-for-first-nine-months-of-2025","status":"publish","type":"post","link":"https:\/\/sotnews.agency\/?p=101089","title":{"rendered":"Ecobank Group reports profit before tax of $657 million for first nine months of 2025"},"content":{"rendered":"
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Ecobank Group, the leading pan-African financial services Group, today announced unaudited financial results for the first nine months of 2025, reporting a profit before tax of $657 million, up 34% from the prior year.<\/p>\n

Earnings per share rose 36% to 1.29 US cents ($0.01), underpinned by sustained revenue momentum, disciplined cost management, and prudent risk practices.<\/p>\n

Net revenue grew 18% to $1.8 billion, reflecting broad-based strength across business lines and regions.<\/p>\n

Operating efficiency continued to improve, with the cost-to-income ratio (CIR) declining to 48.0%, a record low for the Group.<\/p>\n

Ecobank generated 14% positive operating leverage, as net revenue growth (+18% year-on-year) outpaced operating expense growth (+4%).<\/p>\n

The balance sheet remained resilient, supported by strong liquidity and capital buffers.<\/p>\n

Gross loans increased $1.7 billion year-to-date to $12.2 billion, while customer deposits rose $3.7 billion to $24.1 billion.<\/p>\n

Asset quality also improved, with the non-performing loan (NPL) ratio reducing to 5.3% from 7.0% in Q1 2024.<\/p>\n

This reflects the continued success of loan recovery and risk remediation initiatives.<\/p>\n

The Group maintained a sound capital position, with an estimated CET1 ratio of 12.9% and total capital adequacy ratio (CAR) of 16.8%, both comfortably above regulatory minimums.<\/p>\n

Ecobank\u2019s diversified earnings continued to underpin performance. Non-interest revenue (NIR) accounted for 42.4% of total revenue, with payments contributing 29.7% of NIR.<\/p>\n

Payment revenue rose 13% to $221 million, driven by a strong performance in wholesale payments and cards.<\/p>\n

Corporate and Investment Banking (CIB) delivered profit before tax of $526 million, up 43%, supported by robust origination and cross-selling.<\/p>\n

Consumer and Commercial Banking (CCB) achieved $354 million profit before tax, up 21%, driven by a clear segmentation strategy, growth in deposits, digital channels, and customer engagement initiatives.<\/p>\n

The Group\u2019s performance underscores Ecobank\u2019s earnings resilience and capacity to generate strong returns despite a dynamic operating environment.<\/p>\n

As macroeconomic conditions stabilise and rates normalise, Ecobank remains focused on disciplined capital allocation, digital innovation, and strengthening its leadership as Africa\u2019s premier pan-regional banking group.<\/p>\n

CEO of Ecobank Group, Jeremy Awori stated, \u201cWe are pleased to report strong results for the nine months ending September 2025. Our return on tangible equity was 31.2%, tangible book value per share increased by 83%, and profit before tax rose 34% to $657 million. Our cost-to-income ratio (CIR) improved from 54.5% in the same period last year to 48.0%.\u201d<\/p>\n

\"Ecobank
CEO of Ecobank Group, Jeremy Awori<\/em><\/figcaption><\/figure>\n

\u201cThese results demonstrate the ongoing success of our Growth, Transformation, and Returns (GTR) strategy, the advantages of our diversified and synergistic business model, and a steadily improving economic environment across our key markets,\u201d Awori concluded.<\/p>\n<\/p>\n<\/div>\n

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\"EcobankEcobank Group, the leading pan-African financial services Group, today announced unaudited financial results for the first nine months of 2025, reporting a profit before tax of $657 million, up 34% from the prior year.<\/div>\n","protected":false},"author":1,"featured_media":101090,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_2277560469115098_106292521332774":"","twitter_aToxNzczMzI3Njk4OTg4ODUxMjAxOw==_1773327698988851200":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1904,12,11588,11589,11590,10,9],"tags":[],"class_list":["post-101089","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banking-and-finance","category-business","category-ecobank-group","category-financial-results","category-jeremy-awori","category-politics","category-popular"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/sotnews.agency\/index.php?rest_route=\/wp\/v2\/posts\/101089","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sotnews.agency\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sotnews.agency\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sotnews.agency\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sotnews.agency\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=101089"}],"version-history":[{"count":0,"href":"https:\/\/sotnews.agency\/index.php?rest_route=\/wp\/v2\/posts\/101089\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/sotnews.agency\/index.php?rest_route=\/wp\/v2\/media\/101090"}],"wp:attachment":[{"href":"https:\/\/sotnews.agency\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=101089"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sotnews.agency\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=101089"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sotnews.agency\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=101089"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}