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Sterling HoldCo Delivers 157% Profit Growth inHalf-Year2025

The Group's PATreached ₦41.78bilion, up from ₦16.26 billion in the same period last 
year. Earnings per share rosesignificantlyto 89 Kobo from 56 Kobo, reflecting a 
Additionaly, the Group’s cost-to-income ratio improvedto 64.5% from 75.7%, 
Lagos, Nigeria:Sterling Financial Holdings Company Pc (“Sterling HoldCo” or “the 
Total assets stood at ₦4.08 trilion at the end of June, representing a 15.3% increase 
The Group’s strong showing in the first half of the year folowed a successfu private 
momentum in revenue growth, operationa efficiency, and capital position.
unaudited results for the halfyear ended June 30, 2025, demonstratingcontinued 
earnings. Asset quality also improved, with the non-performing loan ratio declining 
to 5.1% from 5.4% at the close ofthe2024financial year.
Group”) has reported a 157% year-on-year surge in profit-after-tax(PAT) in its 
from ₦3.54 trilion in December 2024. Shareholders’ funds were up 22.9% for the 
This public offer is the first phase of the US$400m capital raising programme 
consistent increment invalueto shareholders. Gross earnings climbed by 39.7% to 
income streams.
underscoring the benefits of ongoing cost optimisation measures.
Group is set to enter the public phase of its capital raising programme in the coming 
₦212.61billion, compared to ₦152.20 bilion for H1 2024, while interest income rose 
The proceeds enabled the full recapitalisation of Alternative Bank and further 
bilion, attesting tothe Group’s strategic focus on revenue diversification. 
weeks, aiming to close the ₦53 billion recapitalisation gapof Sterling Bank and 
…Discloses Plans to Launch a Public Offer 
approved by Sterling Holdco’s shareholders at its Annua General Meeting which 
period, reflecting the impact of recent recapitalisation and healthy retained 
further strengthen the institution’s capacity for sustained growth across its diversified 
strengthened the capital base of Sterling Bank, the Group’s flagship subsidiary.The 
by 38.3% to ₦167.16billion, and non-interest income increased by 45%to ₦45.45
held on the 30thof June 2025Commenting on the Group’s feat and long-term vision, Yemi Odubiyi, Group Chief 
community development highlight its role as a catayst for positive change across
“Our outstanding half-year results are the product of clear strategic focus and a 
innovation, and the creation of enduring value for all stakeholders.
Executive Officer, Sterling Financial Holdings Company, said:
relentless drive to create lasting value for our stakeholders. Our performance reflects 
Sterling HoldCo’s ongoing investments in renewable energy, healthcare, and 
Nigeria’s critical sectors. As the Group forges ahead with its pans forthe second half 
of the year, it remains resolute in its pursuit of sustainabe growth, continuous 
capital programme, we see tremendous opportunity to deepen our footprint in 
and agile business model, capable of delivering superior returns even in a dynamic 
communities, and the broader economy.”
management, and sustainable impact. Looking ahead to the next phase of our 
As we continue to diversify our income streams and invest in operational efficiency, 
macroeconomic environment. 
not just robust growth in core income lines, but also our success in building a resilient 
we remain steadfast in our commitment to responsible growth, prudent risk 
Nigeria’s growth sectors and to catalyse meaningful progress for our customers, 
//Ends

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