Zenith Bank Defies Odds, Records N967.3bn Earnings In H1

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Zenith Bank Plc has reported a growth of 169 per cent in profit before tax to N350.4 billion in its audited half year for the period ended June 30, 2023.

Zenith Bank stated that, “the growth in interest income is attributed to the impact of both the growth and the effective pricing of our risk assets. The unification of the foreign exchange rates during the period spurred the growth in non-interest income as revaluations gains improved significantly.

Cost of funding also grew YoY from 1.4 per cent in H1 2022 to 2.6 per cent in H1 2023. Total assets grew by 31 per cent from N12.3 trillion to N16.0 trillion in December 2022, mainly driven by growth in customers’ deposits and the revaluation of the foreign currency deposits. The non-performing loans ratio improved from 4.3 per cent to 3.9 per cent in December 2022 despite the deterioration of the macroeconomic variables and heightened risk environment, because of the currency mix of our risk assets book.

The reorganisation into a holding company structure has advanced, as the Group adds new verticals to its businesses and expands into new frontiers. As the year progresses, the Group will continue to remain dynamic in anticipating and responding to the changes in the fiscal and monetary environments in order to sustain growth across all its business segments and markets.

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