Access Holdings posts N3.9T earnings, grows assets to N52T
Access Holdings recorded 3.9 trillion naira in gross earnings through September 2025, marking a 14.1 percent advance from the prior year as interest income climbed 21.1 percent to 2.9 trillion naira while fee and commission revenue jumped 44.3 percent to 476 billion naira on expanded transaction volumes across digital channels. The parent company of Access Bank posted 616 billion naira in pre-tax profit despite higher loan impairment provisions reaching 350 billion naira, with operating expenses rising just 6.7 percent to improve the cost-to-income ratio from 60.8 percent to 54.6 percent.
Total assets expanded 25.8 percent to 52 trillion naira as customer deposits surged 47 percent to 33.1 trillion naira, with non-Nigerian subsidiaries contributing over half of consolidated earnings amid geographic diversification. Non-banking units, including Hydrogen Payments, which processed 41.1 trillion naira in transactions during the first six months, and Access-ARM Pensions, demonstrated strong growth while the group maintained its strategy of building an integrated financial services platform anchored by core banking operations.
