Follow Us on Google
Access Holdings PLC, on Friday, announced its nine-month ended September 30, 2025 (“Q3 2025”) results, recording gross earnings of ₦3.9trillion, which represented a rise by 14.1 per cent year-on-year over ₦3.4trillion as at Q3 2024.
The performance, the bank noted, was driven by sustained growth in both interest and fees and commission, reflecting the strength of the Group’s diversified earnings base and improved performance from core operations across its banking and non-banking businesses.
Maintaining the same momentum, gross earnings rose by 56.2 per cent quarter-on-quarter from ₦2.5trillion as at Half Year (H1) 2025.
Interest income rose by 21.1 per cent year-on-year to ₦2.9 trillion in Q3 2025, compared to ₦2.4 trillion in Q3 2024. Net interest income also increased by 48.9 per cent to ₦1.3 trillion from ₦845 billion in the same period. This performance was driven by loan book expansion, reflecting our disciplined risk management approach and a strategic focus towards higher-yielding, quality assets to strengthen portfolio returns.
On a quarter-on-quarter basis, interest income and net interest income grew by 42.1 per cent and 27.8 per cent, respectively, from ₦2.0 trillion and ₦984 billion in H1 2025.
Other News
There was 44.3 per cent growth in net fee and commission to N476billion in Q3 2025 from N330billion in Q3 2024, reflecting higher transaction volumes and increased customer activity across digital and payment channels across both periods.
On a quarter-on-quarter basis, net fee and commission income also increased by 100.8 per cent from N237billion in H1 2025.
While total non-interest income declined marginally by 8.1 per cent to ₦872 billion in Q3 2025 from ₦984trillion in Q3 2024, the Group’s growth momentum from core operations continues to support overall earnings trajectory.
Operating income rose 18.8 per cent to ₦2.13 trillion in Q3 2025 from ₦1.8trillion in Q3 2024.
Impairment on loans increased by 141.5 per cent to N350billion as of Q3 2025 from N145billion in Q3 2024.
