Optimus Bank’s PBT rises 70% to N24.14bn

Optimus Bank Limited, one of Nigeria’s fastest-growing national commercial banks, has released its audited financial results for the year ended 31 December 2025, revealing a Profit Before Tax of N24.14bn, representing a 69.94 per cent increase from the previous year.

The 2025 fiscal year was defined by a massive surge in gross earnings, which climbed 73.53 per cent to N50.67bn, up from N29.20bn in 2024. This performance was largely propelled by the bank’s core banking activities, rising asset yields, and a successful digital-first strategy that has gained rapid traction among Nigerian consumers. The bank’s operating income saw an even more dramatic rise, jumping 82.02 per cent to N42.75bn. This surge highlights Optimus Bank’s efficiency in translating its rising market share into tangible revenue.

Commenting on the results, the Managing Director and Chief Executive Officer of Optimus Bank, Ademola Odeyemi, expressed pride in the institution’s trajectory. He 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 attributed much of this success to the bank’s technological infrastructure, stating, “These results reflect the continued success of our digital-first strategy, which is accelerating customer acquisition, deepening engagement and enhancing service delivery across our platforms, while positioning the Bank for sustainable scale.”

Beyond profitability, Optimus Bank demonstrated a massive commitment to credit expansion. Gross loans soared 137.19 per cent, reaching N118.16bn. This aggressive lending highlights the bank’s role in supporting Small and Medium-sized Enterprises and key productive sectors of the Nigerian economy. The bank’s balance sheet now stands at N286.02bn, supported by N114.12bn in customer deposits, a clear indicator of growing public trust. Despite the rapid expansion, the bank maintained a robust liquidity position with a liquidity ratio of 101.52 per cent.

Looking towards the future, Odeyemi noted, “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.”

With a solid capital base and rising earnings momentum, Optimus Bank appears well-positioned to continue its upward climb in the Nigerian banking hierarchy. The bank remains committed to its mission of deepening financial inclusion and providing digital-led financial services that meet the evolving needs of its diverse customer base. As the financial landscape continues to shift towards digital solutions, Optimus Bank’s FY 2025 results serve as a testament to its ability to compete effectively and deliver sustainable value to its stakeholders.