Lagos, Nigeria – Zenith Bank Plc and Guaranty Trust Holding Company Plc recorded a combined N283.7 billion (approximately $182 million) in income from account maintenance and electronic banking charges in 2025, according to audited financial statements filed with the Nigerian Exchange.
Okay News reports that Zenith Bank generated N91.95 billion from account maintenance fees, a 26.1 percent increase from N72.93 billion in 2024, while its electronic banking income rose to N89.13 billion, up 11.3 percent year-on-year. GTCO recorded N37.92 billion in account maintenance income, up 16.1 percent, and electronic banking revenue of N64.72 billion, a 14.4 percent increase.
Combined, both banks earned N129.87 billion from account maintenance and N153.85 billion from e-business transactions. The strong growth reflects deeper financial inclusion and increased reliance on digital banking platforms across Nigeria, as customers shift away from physical banking halls.
Zenith Bank reported a profit before tax of N1.26 trillion in 2025, slightly down by 4.78 percent from the previous year, and proposed a total dividend of N10.00 per share. GTCO posted a profit before tax of N1.23 trillion, with profit after tax of N865.75 billion, total assets of N17.8 trillion, and shareholders’ funds of N3.4 trillion.
This digital banking income growth highlights how Nigerian banks are increasingly monetising digital channels amid rising transaction volumes, providing a critical buffer against interest rate volatility.
 in income from account maintenance and electronic banking charges in 2025, according to audited financial statements filed with the Nigerian Exchange.){kind=link}