Jaiz Bank Plc (NGX:JAIZBANK)

Jaiz Bank Income Statement

Financials in millions NGN. Fiscal year is January - December.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Interest Income on Loans	39,265	32,042	27,357	21,589	15,205	10,758
Interest Income on Investments	55,056	44,366	17,159	9,862	8,972	8,003
Total Interest Income	94,321	76,408	44,515	31,450	24,177	18,761
Interest Paid on Deposits	24,974	21,286	11,100	6,905	4,940	3,789
Net Interest Income	69,347	55,122	33,415	24,545	19,237	14,972
Net Interest Income Growth (YoY)	42.91%	64.96%	36.14%	27.59%	28.49%	41.11%
Other Non-Interest Income	6,387	6,467	2,722	1,836	1,451	852.97
Total Non-Interest Income	6,387	6,467	2,722	1,836	1,451	852.97
Non-Interest Income Growth (YoY)	39.44%	137.59%	48.25%	26.51%	70.14%	-28.75%
Revenues Before Loan Losses	75,734	61,589	36,137	26,381	20,689	15,825
Provision for Loan Losses	1,671	-166.33	4,320	3,889	3,721	3,028
Revenue	74,063	61,755	31,817	22,492	16,968	12,797
Revenue Growth (YoY)	41.18%	94.09%	41.46%	32.56%	32.60%	20.03%
Salaries and Employee Benefits	16,385	13,759	9,258	8,100	7,238	4,902
Occupancy Expenses	2,326	1,835	1,389	1,632	781.98	811.62
Selling, General & Administrative	3,415	2,084	1,218	298.31	-	453.84
Other Non-Interest Expense	22,657	19,632	8,898	5,829	4,789	3,563
Total Non-Interest Expense	44,784	37,310	20,764	15,859	12,810	9,731
EBT Excluding Unusual Items	29,279	24,445	11,054	6,633	4,158	3,066
Pretax Income	29,279	24,445	11,054	6,633	4,158	3,066
Income Tax Expense	1,025	960.62	-183.59	-248.54	73.58	162.76
Net Income	28,254	23,484	11,237	6,881	4,085	2,903
Net Income to Common	28,254	23,484	11,237	6,881	4,085	2,903
Net Income Growth	23.21%	108.99%	63.30%	68.47%	40.69%	18.85%
Basic Shares Outstanding	42,915	35,379	34,541	34,541	31,157	29,464
Diluted Shares Outstanding	42,915	35,379	34,541	34,541	31,157	29,464
Shares Change (YoY)	24.24%	2.42%	-	10.86%	5.74%	-
EPS (Basic)	0.66	0.66	0.33	0.20	0.13	0.10
EPS (Diluted)	0.66	0.66	0.33	0.20	0.13	0.10
EPS Growth	-0.83%	104.04%	63.30%	51.96%	33.05%	18.85%
Dividend Per Share	0.070	0.070	0.040	0.050	0.040	0.030
Dividend Growth	75.00%	75.00%	-20.00%	25.00%	33.33%	-
Effective Tax Rate	3.50%	3.93%	-	-	1.77%	5.31%

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.