By Festus Fifen

Access Holdings Plc has announced its unaudited results for the nine months ended September 30, 2025 (“Q3 2025”), showcasing robust performance driven by its diversified business model.

In a statement by the company secretary Sunday Ekwochi , The Group achieved ₦3.9 trillion in Gross Earnings, marking a substantial 14.1% rise from ₦3.4 trillion recorded in Q3 2024.

This strong momentum, fueled by growth in both interest income and fees and commissions, underscores the success of the Group’s strategy to strengthen core operations across its banking and non-banking businesses.

According to the statement, Key Financial Highlights show the Group’s financial metrics reflect strategic growth and operational efficiency Gross Earnings which brought about a Surged by 14.1% year-on-year to ₦3.9 trillion from ₦ 3.4 trillion in Q3 2024.

Interest Income Increased by 21.1% to ₦2.9 trillion, driven by disciplined risk management and a strategic focus on high-yielding, quality assets.

Net Interest Income: Saw a significant jump of 48.9% to ₦1.3 trillion from ₦845 billion.

Net Fee & Commission Income: Grew by 44.3% to ₦476 billion, reflecting higher transaction volumes and increased customer activity, particularly across digital and payment channels.

Profit Before Tax (PBT): Rose by 10.4% year-on-year to ₦616 billion from ₦ 558 billion. PBT also demonstrated resilience quarter-on-quarter, soaring by 91.9% from ₦ 321billion in H1 2025.

Cost-to-Income Ratio (CIR): Improved to 54.6% in Q3 2025 from 60.8% in Q3 2024, as revenue growth outpaced operating expenses.

The Report points that Non-Nigerian subsidiaries were the main engine of growth, contributing over 50% of consolidated results. Their strong performance across key metrics highlights the benefits of a deepening franchise strength across African markets.

The Nigerian operations faced headwinds due to changing macroeconomic conditions, inflationary pressures, and ongoing regulatory adjustments. However, the Group’s diversified structure provided the necessary stability and resilience to navigate these challenges.

The statement added that Access Holdings also significantly strengthened its balance sheet with total Assets Increased by 25.8% to ₦52.0 trillion from ₦ 41.5 trillion in FY 2024). Customer Deposits also Grew by a notable 47.0% to ₦33.1 trillion from ₦22.5 trillion in FY 2024. Loans and Advances Expanded by 19.7% to ₦15.6 trillion.

While the Profit After Tax (PAT) moderated slightly year-on-year to ₦447 billion from ₦ 458 billion in Q3 2024, the quarter-on-quarter performance showed a massive 107.9% increase from ₦215 billion as at H1 2025. Looking ahead, Access Holdings remains focused on strengthening its franchise, deepening operational resilience, and unlocking revenue synergies to drive sustainable value for all stakeholders.