Zenith Bank Plc and Guaranty Trust Holding Company Plc (GTCO) recorded a combined N283.7 billion from account maintenance and electronic banking charges in 2025.
The figures are contained in their audited financial statements for the year ended December 31, 2025.
Account maintenance fees are charged for maintaining customer accounts, while electronic charges apply to transactions carried out through digital channels such as transfers, card payments, ATM withdrawals, USSD and mobile applications.
Zenith Bank reported N91.95 billion from account maintenance in 2025, up from N72.93 billion in 2024.
Its income from electronic banking rose to N89.13 billion from N80.05 billion.
GTCO recorded N37.92 billion from account maintenance, compared to N32.66 billion in 2024.
Its electronic banking income increased to N64.72 billion from N56.56 billion.
Combined, both banks earned N129.87 billion from account maintenance and N153.85 billion from electronic transactions.
Zenith Bank also reported profit before tax of N1.26 trillion for 2025, compared to N1.3 trillion in 2024.
Interest income rose to N3.6 trillion from N2.7 trillion.
Net interest income stood at N2.6 trillion, while net interest income after impairment was N1.8 trillion.
Impairment charges rose to N742.1 billion from N657 billion.
The bank proposed a final dividend of N8.75 per share, bringing total dividend for the year to N10.00 per share, including an interim dividend of N1.25.
GTCO reported profit before tax of N1.23 trillion, while profit after tax was N865.75 billion, compared to N1.02 trillion recorded in 2024.
The group’s total assets stood at N17.8 trillion, while shareholders’ funds were N3.4 trillion.
Its loan book increased to N3.13 trillion from N2.79 trillion, while deposits rose to N12.87 trillion from N10.40 trillion.
Speaking on the results, Group Chief Executive Officer of GTCO Segun Agbaje, said the company focused on growing its core banking and related businesses.
“Our 2025 result underscores the resilience and depth of our earnings capacity,” he said.
