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Nigerian Banks: Profits Shrink, Capital Rises — Winners & Losers in 2025
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Foxnews
52 days agoNigerian Banks: Profits Shrink, Capital Rises — Winners & Losers in 2025
The shine is wearing off for Nigeria’s big banks. After riding the forex revaluation boom in 2024, earnings are now projected to tumble by 19.2% in FY 2025.
The Downside: Shrinking Profits
The forex sugar rush that padded results last year? Gone.
Without that boost, bottom lines are looking slimmer.
Investors banking on repeat windfalls may feel the pinch.
The Upside: Bigger Balance Sheets
Total banking assets are still swelling — expected to hit ₦242.3 trillion.
Liquidity ratios? Over 60%. Banks are flush, even if profits dip.
To fight high interest rates, banks are cranking out commercial papers — ₦750bn worth in early 2025.
Capital Race: Inject or Be Left Behind
With CBN’s recapitalisation deadline looming, banks plan to pump ₦900bn into their coffers before 2026.
By July 2025, 8 banks already cleared the minimum capital bar (awaiting final verification).
Foxxymobile’s Insider Take
This is a classic up-down story:
Losers: Profit-chasers — the easy forex money is gone.
Winners: Long-term believers — stronger balance sheets + higher capital = more resilient banks.
Translation: 2025 may not be a profit party, but it’s a year of quiet strength-building. Banks are slimming their earnings waistline while bulking up their capital muscles.