Access Holdings Plc has disclosed that its shareholders’ funds rose to N4.33 trillion in the 2025 financial year as the company continued with strengthening its capital base and positioning itself for long-term growth.
The Chairman of Access Holdings, Aigboje Aig-Imoukhuede, disclosed this at the company’s fourth Annual General Meeting (AGM) held in Lagos on Wednesday, June 10, 2026.
Aig-Imoukhuede said the company’s shareholders’ funds rose by 15.1 per cent from N3.76 trillion in 2024 to N4.33 trillion, strengthening its capital base.
Aig-Imoukhuede noted that total assets increased by 24.2 per cent to N51.56 trillion from N41.49 trillion, while customer deposits grew by 53.4 per cent to N34.56 trillion.
He said Access Holdings recorded a profit before tax of N1.007 trillion, representing a 16.2 per cent increase and reflecting the strength of its core earnings and diversified business model.
The chairman said returns moderated during the period, with Return on Average Equity (ROAE) standing at 18.4 per cent and Return on Average Assets (ROAA) at 1.6 per cent.
Aig-Imoukhuede stated: “The defining test of a financial institution is not merely its capacity for growth, but its ability to grow profitably, sustainably, and with discipline over time.
“Our 2025 performance reflects a deliberate approach to strengthening the institution’s long-term fundamentals while maintaining strong financial results.”
The chairman noted that Access Holdings took a prudent decision during the year to accelerate the recognition of legacy exposures and exit regulatory forbearance positions, resulting in elevated impairment charges.
Aig-Imoukhuede explained that the move was aimed at strengthening the balance sheet and enhancing long-term resilience rather than pursuing short-term earnings optimisation.
Aig-Imoukhuede said: “Periods of volatility often reveal more about an institution than periods of uninterrupted growth.
“Our focus remains on building a business that is not only growing but improving in the quality and sustainability of its earnings.”
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He added that Access Holdings continued to evolve beyond traditional banking into a diversified financial services ecosystem, with growing contributions from its investment management, insurance, and technology-driven businesses.
The chairman listed key growth subsidiaries as Access ARM Pensions, Access Insurance Brokers, Oxygen X Finance, and Hydrogen Payments, noting that they were expanding the group’s presence in digital finance, consumer lending, and payments.
According to him, the group’s transformation was anchored on an “ideas-to-ventures” strategy designed to position Access Holdings as a platform for innovation and future growth.
Looking ahead, Aig-Imoukhuede said: “The strategy, from scale to value, reflects the natural evolution of our journey. Scale created opportunity; value creation is how we fully realise it.”
The Access Holdings chairman noted that while the company continued to generate strong returns, closing the gap between returns and cost of equity remained central to unlocking shareholder value.
Aig-Imoukhuede also acknowledged the existence of significant unrealised value within the company’s international subsidiaries, with a clear emphasis on improving market recognition of this intrinsic value.
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