Access Holdings PLC (“the Group” or “the Company”) immediately introduced its nine-month ended September 30, 2025 (“Q3 2025”) outcomes, recording gross earnings of ₦3.9trillion, which represented an increase by 14.1% year-on-year over ₦3.4trillion as at Q3 2024.
This efficiency was pushed by sustained progress in each curiosity and charges and fee, reflecting the power of the Group’s diversified earnings base and improved efficiency from core operations throughout its banking and non-banking companies.
Maintaining the identical momentum, gross earnings rose by 56.2% quarter-on-quarter from ₦2.5trillion as at Half Year (H1) 2025.
Interest revenue rose by 21.1% year-on-year to ₦2.9 trillion in Q3 2025, in comparison with ₦2.4 trillion in Q3 2024. Net curiosity revenue additionally elevated by 48.9% to ₦1.3 trillion from ₦845 billion in the identical interval. This efficiency was pushed by mortgage e-book enlargement, reflecting our disciplined threat administration strategy and a strategic focus in direction of higher-yielding, high quality belongings to strengthen portfolio returns.
On a quarter-on-quarter foundation, curiosity revenue and web curiosity revenue grew by 42.1% and 27.8%, respectively, from ₦2.0 trillion and ₦984 billion in H1 2025.
There was 44.3% progress in web charge and fee to N476billion in Q3 2025 from N330billion in Q3 2024, reflecting increased transaction volumes and elevated buyer exercise throughout digital and fee channels throughout each intervals.
On a quarter-on-quarter foundation, web charge and fee revenue additionally elevated by 100.8% from N237billion in H1 2025.
While complete non-interest revenue declined marginally by 8.1% to ₦872 billion in Q3 2025 from ₦984trillion in Q3 2024, the Group’s progress momentum from core operations continues to assist total earnings trajectory.
Operating revenue rose 18.8% to ₦2.13 trillion in Q3 2025 from ₦1.8trillion in Q3 2024.
Impairment on loans elevated by 141.5% to N350billion as of Q3 2025 from N145billion in Q3 2024.
