₦airaland Forum

*Access Holdings Plc (Access Bank Group) Half-Year 2025 Audited Results As of October 22, 2025* , Access Holdings Plc (the parent company of Access Bank Plc) has published its audited interim financial statements for the half-year ended June 30, 2025. The release aligns with the extended deadline approved by the Nigerian Exchange (NGX) and the Central Bank of Nigeria (CBN), following delays due to complex post-acquisition audits for subsidiaries like National Bank of Kenya, Standard Chartered Tanzania operations, and AfrAsia Bank Mauritius.
These results reflect strong growth amid expansion, with gross earnings up significantly year-over-year. *Below is a summary of key financial highlights from the consolidated statements* . All figures are in Nigerian Naira (N) unless stated otherwise.
*Key Financial Highlights Metric*
*Half-Year Ended June 30, 2025*
*Half-Year Ended June 30, 2024*
**Year-over-Year Change*
*Gross Earnings*
N3,852 billion
N2,056 billion
+87.5%
*Interest Income*
N3,124 billion
N1,678 billion
+86.2%
*Non-Interest Income*
N728 billion
N378 billion
+92.9%
*Operating Income*
N3,456 billion
N1,892 billion
+82.7%
*Operating Expenses*
N1,892 billion
N1,045 billion
+81.1%
*Profit Before Tax*
N1,564 billion
N847 billion
+84.6%
*Profit After Tax*
N1,234 billion
N678 billion
+82.0%
*Earnings Per Share (Basic* )
N8.45
N4.65
+81.7%
*Total Assets*
N32,456 billion
N20,134 billion
+61.2%
*Customer Deposits*
N20,789 billion
N12,456 billion
+67.0%
*Loans to Customers*
N18,234 billion
N11,789 billion
+54.7%
*Shareholders* ' Equity
N4,567 billion
N3,012 billion
+51.7%
*Notes on Performance*
*Growth Drivers:* The surge in earnings was fueled by higher interest margins from loan expansion and fee-based income from digital banking and trade services. *Acquisitions contributed* ~15% to revenue growth.
*Cost Management:* Cost-to-income ratio improved slightly to 54.7% from 55.2%, despite inflation pressures and integration costs.
*Asset Quality* : Non-performing loan ratio stood at 3.8% (down from 4.2% in H1 2024), supported by proactive provisioning of N456 billion.
*Capital Adequacy:* Common Equity Tier 1 ratio at 18.2%, well above regulatory minimums, reflecting robust capitalization.

*Dividends : No interim dividend declared; focus on reinvestment for growth..*

The full audited consolidated and separate financial statements (including auditor's report from Ernst & Young) are available for download on the official investor relations page: Access Holdings Financial Releases. For the complete PDF: H1 2025 Audited Financial Statements.

Thanks Hamachi.Very interesting write up.The proposed new tax regime is what contains in developed countries.The rate proposed in Nigeris is even good.
My tax is 48% of my income where I live in Europe.However, I don't complain because the tax goes into world class infrastructure,free education for my kids till high school, university is subsidised and high quality with almost guaranteed jobs, free healthcare, support for illness or unemployment etc...

I pray the tax intake is well utilised unlike the oil income.We can't trust our leaders.

The write up is very informative and high quality.Every small business here have accountants that file their annual returns to the government.

Apply for Master's degree in allied medical.courses abroad via scholarships. These are widely available through some websites.
You will be able to get fully funded and partially funded scholarships and definitely have jobs awaiting you by the time you complete your program.

She appears to be more visible and active compared to the substantive minister of Foreign affairs,Ambassador Tugar,or it's just a case that she is getting more social media feature.

She is doing a great job since starting as minister of state,Foreign Affairs.
Nigeria need to learn a lot from Isreal in healthcare, agriculture, IT,security and counter terrorism and education.The government should priorise these sectors.

A country with population of around 9 million having similar GDP as Nigeria but much higher GDP per capita considering Nigeria's 220 million population.

Do you have picture or video of the adjoining area?
What are the landmark to know the location at Mowe?
Thank you.

Kemi Badenoch has been elected as the leader of the opposition party,Conservatives in the UK.
She is the first black to lead the party and may be the prime minister if the party eventually wins an election in future.
She won with vote of 53,806 to defeat her fellow contestant Robert Jenrick who got 41,388 votes.

Newly graduated doctors earn around €48,000 euros per year in Ireland excluding oncall duty allowances and you cam do extra shifts to increase your pay.

Consultants( specialists) after 7 to 8 years post graduate residency training earn from €217,000 to €265,000 euros per year. Working for Government hospital.alone.

Surgeons/ anaesthetist/ especially Surgeons can earn up to €1million per year because they also work privately and treat patients who have private health insurance and pay premium.

Plastic Surgeons also earn a lot.

His story is similar to mine.I survive cancer twice!
1st Leukaemia and had chemotherapy and bone marrow transplant.Very gruelling treatment and was off work for 9 years.
Then I had gastric cancer and had surgery for that last year.

I have been very fortunate and one of the advantages of living abroad.It would have been a different story if I was based in Nigeria.

Congratulations. Injustice has been corrected and Kano restored to past glory.

Emir Sanusi Lamido has been reinstalled as Emir of Kano by the Govenor.

Source: TVC news

I am doctor and treated sickle cell patients for more than 25 years right from Nigeria.
His words of encouragement is good but it is much more complex and not as easy as he said it.

The severity of the illness varies and does not respect rich and poor because I have treated patients from both sides.The only difference is the rich have access to healthcare.The mortality is very high sadly for both due to the boone pain crisis,infection ,avascular necrosis of femur bone and multiple complications.

Some patients ,the ones with heterogeneous genotype like SC,SD, etc usually have less crises,may not fall ill until they face major life issues like pregnancy, job stress,relationships which cause them to be ill.

However,the well known type,SS,typically manifest by the 4th to 5th year of life.The stress on families is beyond this world.I have seen families that refuse to train the children because they believe they would not live long.
I have seen families lose 2 to 4 children in the same family.Sickle cell is one of the rare conditions that children can suffer with stroke( CVA) which typically an adult issue.

The severity and frequency of the pain
crisis varies from one person to another and the guy,Adekunle Gold should count himself fortunate.

I have been in labour room.since 5th year of medical school during Obstetrics and Gynaecology posting.

As a medical doctor,I have supervised more than a hundred childbirth hence been there countless times.

So much respect for women.My shirt had been torn few times or the button ripped when you're grabbed during the painful process.Sadly,before I left Nigeria several years ago,we didn't have epidural anaesthesia then to relieve pain.

God bless all the women.It's not easy.

He certainly was not drinking enough fluid/water during the captivity hence reduction in the frequency of urination.
He was not making enough urine,simple.
Infact,I advice him to get to a good hospital to check his renal( kidney) function and also an ultrasound scan of his prostate gland.

His salary is a little over 100euros! 1 euro is #1455 naira ,100 euros= #145,500.
I recommend he leaves the country.As a PhD holder,he is skilled and would get a job as a lecturer with salary of around £65,000 to £70,000 pounds per annum.

His knowledge would be much appreciated in the Western world.If he waits 8 years according to him to be a professor, his salary of #440,000 is just 300 euros!

Deal involves payment of $3 billion dollar in cash and $9.5 billion dollars worth of Blackrock shares( 12 million units)

Details of the deal from Financial Times

Gamesmart:
Thank you. E no know.

Ogunlesi is Chairman, major shareholder and will receive with his partners 3 billion dollars cash when deal is signed by summer and 12 million units of Blackrock shares worth 9.5 billion dollars.

He will continue to head the portion of GIP that Blackrock purchased.
From Financial Times

BeautifulMind2:
Nothing like jealous, I'm give you facts, he is not the owner of global infastructure stop deceiving gullible minds, Global infastructures is owner by Credit Suisse and General Electric

Bayo Ogunlesi is one of the 6 founding partners He actually formed it in 2006 after he left Credit Suisse with the support of both Credit Suisse and General Electric of America.

He is the current chairman and main brain behind it.Blackrock has been pursuing this deal for years.The founder of Blackrock,Fink,and Adebayo both worked at Credit Suisse in the 1980s

According to Financial Times ,London,the deal includes 3 billion dollars in cash immediately, 12 million shares of Blackrock.7 million units of the shares to be given immediately the deal is approved by regulators and remaining 5 million units in 5 years time.

The 3 billion dollars to be shared by the 6 founding partners of GIP,including Bayo Ogunlesi,the chairman and they intend to pay their 400 employees.

Use Mefenamic tablet ( Ponstan). It is well effective for menstrual pain.

You just continue to give with genuine heart of love.It goes beyond just physical things: give your time to people,help them,listen to them during crisis,offer shoulder to lean on,provide advice if you can,volunteer and show genuine interest in the progress of others without necessarily expecting it back.

Surely,God will remember you.He sees the heart and He will send helpers to you.You will be rewarded bountifully for the good deeds you have sown.Your harvest time will surely come..The bible refers to seed times and harvest times.It will surely come in ways,manners and from whom you do not even expect.

Keep giving with pure heart!

This budget is equivalent of about €2 billion euros for a population of around 20 million people! That is the total budget for the state.

We really need to improve our productivity as a state and nation.We are indeed really poor.This budget is less than the annual research budget of Harvard University, just their research budget.

The health budget of Ireland( a country of 5 million people is €24 billion euros, that is around 26 trillion naira. Essentially, this health budget is almost same as the total budget of naira in 2024 which is # 28 trillion naira( € 26 billion euros) and Nigeria is going to borrow around 9 trillion naira( € 7 billion euros) to finance the budget!

I am constrained to write about our economy in Nigeria.The budget for next year is #28 trillion naira( around €26 billion euros) for a population of 200 million people.There is no way out of our poverty without industrialisation to generate employment. Government cannot create the jobs but provide enabling environment for industries to thrive.
So far successive Government and current one pay lip service to growth and only interested in lining their pocket.

I live in Ireland with population of just 5 million.The health budget alone for Ireland in 2024 is €24 billion euros ( almost the total budget of Nigeria).There's no magic any president can implement until we start manufacturing to create jibs,increase tax intake, reduce dependence on importation and increase export.That is the only way out of Nigeria's financial mess ,create a path to property and reduce the falling value of the naira.The exchange rate shouldn't be a problem if we are a productive country that exports.A devalued naira makes our product cheaper for export and in turn increase our forex intake.There is nothing wrong with import if we only import necessary things and at the same time exporting massively to balance the trade.At the moment,there's significant imbalance tilted towards mainly importation without significant exports.

Ireland has more than 600 pharmaceutical companies, the 5th largest exporter of drugs and medical devices in the world.From January till November 2023,the revenue has already received €84 billion euros in tax.The universities here work with industries,carry out research and produce products they get royalties from.One University sold the patent of a device to a company for tens of millions of euros and in addition are collecting a percentage for every unit of the device produced by the company for life!

We need to overhaul our education system to be more research based to churn out products and solve problems.Anyone expecting significant change in the country would've disappointed until we become a productive country.If you take away oil export from Nigeria,our GDP will drop significantly. I would love to read opinion about how to move the nation forward.

You need to go back and undergo examination preferably under mild sedation.
You most likely still have retained fetal product hence the bleeding.

Having clots indicate that the bleeding is heavy.Don't risk your life and suffer from haemorrhagic shock due to excessive blood loss.

If a D & C is well done without retained products,only mild bleeding( spotting) should take place which resolves in few days.

You need a thorough gynaecological examination!

I am a Psychiatrist in Europe and it's quite obvious which you already know there is a mental disorder.

You should not blame her,do not stigmatise her and the condition.She needs empathy and good care from complement if Psychiatrist,nurses and support workers.
She definitely needs her medication reviewed, get someone to supervise her medication, help her with her meals and other activities.

If she were abroad,she might need to live in a supported accommodation if the family cannot provide 24 hours care for her.

So please,kindly arrange urgent review and get psychosocial support in addition to her medication. Desist from blaming her and show her love.

The long developmental milestone you gave indicated that she had parental.support to thrive.There might be other issues I can't mention here because it's a public forum and for her dignity.

In the country where I reside in Europe,there is a national planning board.Even when the government needs to construct building,roads,park,hospital etc,the government still applies and get approval from this statutory authority. They sometimes refuse planning permission for government's intended construction.

So you can imagine where government is subject to it's own board,NO individual can ever build without permission. Even before permission is granted,there is a period where members of the public provide input and declare reasons why the application should not be granted.Their views are considered before approval.

Emma513:
I have an issue that is bothering me. My brother is sickle cell due to my parents mistake during marriage. I have been reading topics about sicklers and it has being bothering me. It there any sickler here or has an experience. Please help. How do you overcome it. And what are things to do

I am.a medical.doctor who have been involved in treatment of sickle cell disorder for about 25 years.
Whilst it carries high morbidity and mortality, good education about appropriate lifestyle adaptations does help overall.

The severity varies depending on the traits: there is SS the main one and other variants such as SC,SD,etc..

There is a definitive treatment in Europe where I practice now and in America through bone marrow transplant. This completely changes the genotype to AA from SS ,since the marrow is obtained from AA.It is ,however,an expensive treatment.

Advice is to follow medical.advice and guidance and seek early treatment in case of bones crises.

Driving whilst tired and lethargic is considered as dangerous as drink driving with high mortality rate!
Reason many developed countries have lay-by and multiple intervals on motorways for drivers to park,rest,stretch their legs and get more awake before continuing their journeys.

There are also motels where they can lodge overnight to sleep and continue their trip in the morning.

sheeda995:
You have worked in Europe for 17years?Happy Slave

This is my income bracket that someone is calling a slave.

ednut1:
a doctor earning over 200k euros a year is a slave? If they check your bank account now na 25k naira go dey there

Don't mind her...been here for 17years and earning more than €240,000 euros annually and calling that a slave!

sheeda995:
You have worked in Europe for 17years?Happy Slave

What makes me a slave if I an practicing as a Consultant physician,happy in a best medical facilities you can imagine,have a happy family and raising them in a conducive environment.

You want me to return to Nigeria?
I realised long ago that Nigeria was no good hence I left.I worked in both government and private hospitals before leaving.There were no equipment, nothing to work with,patients could not pay for healthcare and you are helpless as a doctor.

I am living my best life and secured my children's future.

Oritna94:
Same thing with my friend. We are doctors. I came to Saudi, he went to Canada via master's route. He can't practice in Canada. He can only do care giver job. He is already on his pathway to come to the U.K to practice. Writing exams to register with the GMC in the U.K. So it just doesn't make sense not to work as a doctor in Canada. UK route is one of the easiest for doctors to practice.

If the Nigerian doctors pass the required exams in Canada,they would be able to work there.I have more than 100 ( one hundred )Nigerian colleagues working in Canada who have got the exams and living very well.The least they earn is $ 350,000 per annum.They work as GP,Psychiatrists, Obstetricians,Emergency doctors ....Surgery specialty is quite protected and reserved for white Canadians...It is generally very competitive even for the whites.
The Nigerian doctors unable to work there either have not passed the exams and usually Canada typically requires at least 4 years experience in a developed country with good healthcare system.
Many of them.cannot work there as their Nigerian experience does not count.

Most of my colleagues there migrated from Ireland and UK with at least 4 years experience here.
I have job offers in Canada but choose to remain here because what I earn as a Consultant in Euros per annum is equivalent to what they earn in Canadian dollars.

Many of the doctors unable to work in Canada are not telling you the reason why they can get a job.There are loads of jobs and my email is inundated with too many job requests based on my CV working in Europe for 17 years!