Optimus Bank Limited, a national commercial bank, has reported robust audited financial results for the year ended December 31, 2025, with gross earnings rising by 73.53 per cent to N50.67 billion, compared to N29.20 billion recorded in 2024.
The bank said the performance reflected strong execution across its core operations, supported by improved asset yields, expansion in lending activities, and rising customer adoption across key business segments.
Operating income grew by 82.02 per cent to N42.75 billion, underscoring strengthened earnings capacity, while profit before tax increased by 69.94 per cent to N24.14 billion, indicating improved efficiency in translating revenue growth into profitability.
The balance sheet position stood at N286.02 billion during the period under review. Gross loans surged by 137.19 per cent to N118.16 billion, reflecting increased credit support to businesses and productive sectors of the economy.
Customer deposits rose to N114.12 billion, driven by sustained customer confidence and deeper market penetration across the bank’s retail and corporate segments.
The bank maintained a strong liquidity position, posting a liquidity ratio of 101.52 per cent, which it said provides sufficient buffer to support expansion and strategic initiatives.
Commenting on the performance, Managing Director and Chief Executive Officer, Ademola Odeyemi, said the results demonstrated the resilience of the bank’s model and the effectiveness of its execution strategy.
“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 said.
He added that the bank’s digital-first approach continued to play a central role in its growth trajectory.
“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,” he said.
Looking ahead, Odeyemi said Optimus Bank would focus on scaling operations, deepening customer relationships, and leveraging technology to deliver innovative financial solutions that support broader economic growth.
