Optimus Bank Limited, a fast-growing Nigerian national commercial bank, has announced a remarkable 69.94% surge in profit before tax to N24.14 billion for the full year ended December 31, 2025. The lender's financial statement revealed a strong full-year performance, driven by improved earnings across key segments.
Strong Financial Performance
Gross earnings rose by 73.53% to N50.67 billion, up from N29.20 billion in 2024, reflecting growth in core banking operations, improved asset yields, and increasing customer adoption. Operating income grew strongly by 82.02% to N42.75 billion, demonstrating the strength of the bank's earnings capacity.
The balance sheet stood at N286.02 billion, while gross loans surged by 137.19% to N118.16 billion, indicating stronger credit support to businesses and key productive sectors. Customer deposits closed at N114.12 billion, reflecting sustained customer confidence and deepening market acceptance. The bank maintained a sound liquidity position with a liquidity ratio of 101.52%, providing headroom to support business growth.
Management Commentary
Commenting on the results, Managing Director and Chief Executive Officer Ademola Odeyemi said: 'Our 2025 performance reflects the strength of our execution and the resilience of our business model. We delivered strong growth across key financial indicators while maintaining discipline in risk management and operational efficiency.'
Odeyemi added that the results reflect the continued success of the bank's digital-first strategy, which is accelerating customer acquisition, deepening engagement, and enhancing service delivery. 'As we look ahead, we remain focused on scaling our operations, deepening customer relationships, and leveraging technology to deliver innovative financial solutions that support economic growth,' he said.
Recapitalisation Achievement
Legit.ng earlier reported that Optimus Bank successfully met the Central Bank of Nigeria's recapitalisation requirement after raising its paid-up capital to N200 billion. The bank confirmed compliance with the revised minimum capital requirement for national commercial banks. Industry analysts noted that the increased capital could enable deeper collaborations with international financial institutions such as the International Finance Corporation, Afreximbank, and the Africa Finance Corporation to support larger financing opportunities.
With strong earnings momentum, growing balance sheet strength, and a solid capital base, Optimus Bank remains well positioned to accelerate growth, deepen market presence, and deliver sustainable long-term value to customers, shareholders, and stakeholders.
