Sterling Financial Holdings Company Plc (“Sterling HoldCo”) has reported strong growth across key financial indicators in its interim, unaudited full-year 2025 results, with total assets nearing ₦4 trillion at the close of the year.

The Group’s total assets rose by 11 per cent year-on-year to almost ₦4 trillion, reflecting the growing market strength of its subsidiaries, Sterling Bank and The Alternative Bank.
Customer deposits also increased significantly, rising by 18 per cent to ₦2.98 trillion.

Sterling HoldCo recorded a 99 per cent increase in profit before tax (PBT), which climbed to ₦90.73 billion.
The performance follows a remarkable 102 per cent growth in 2024, further cementing the Group’s position as one of the fastest-growing financial institutions in the region.

Gross earnings grew by 46 per cent to ₦476.5 billion, driven by strong expansion in both interest and non-interest income.
Interest income rose by 43 per cent to ₦369.6 billion, supported by increased loans and advances to customers, as well as improved yields on investments.

Non-interest income surged by 57.3 per cent, reflecting higher trading income alongside growth in fees and commissions.
Operational efficiency remained a key driver of performance, as the Group recorded a nine per cent improvement in its cost-to-income ratio, which declined from 72 per cent in 2024 to 63 per cent in 2025.

This reflects effective cost control amid robust revenue expansion.
The Group’s capital position also strengthened, with shareholders’ funds rising by 39 per cent to ₦424.0 billion, highlighting the resilience and sustainability of its business model.

Continued investments in digital capabilities enhanced service delivery, reduced operating costs and improved customer engagement.
Overall, Sterling HoldCo’s 2025 performance underscores the strength of its diversified portfolio and balanced growth strategy.

With a solid capital base, rising deposits and sustained focus on efficiency and innovation, the Group is well positioned for continued growth and long-term success.