Access Holdings Plc recorded 14.1 per cent growth to push gross earnings to N3.9 trillion in the third quarter of this year.

Interim report and accounts of Access Holdings for the nine-month period ended September 30, 2025 showed that gross earnings rose from N3.4 trillion in third quarter 2024 to N3.9 trillion in third quarter 2025.

However, this performance was driven by sustained growth in both interest and fees and commission, reflecting the strength of the Group’s diversified earnings base and improved performance from core operations across its banking and non-banking businesses.

While maintaining the same momentum, gross earnings rose by 56.2% quarter-on-quarter from N2.5trillion as at Half Year (H1) 2025.

Meanwhile, interest income rose by 21.1% year-on-year to N2.9 trillion in Q3 2025, compared to N2.4 trillion in Q3 2024. Net interest income also increased by 48.9% to N1.3 trillion from N845 billion in the same period.

This performance was driven by loan book expansion, reflecting our disciplined risk management approach and a strategic focus towards higher-yielding, quality assets to strengthen portfolio returns.

On a quarter-on-quarter basis, interest income and net interest income grew by 42.1% and 27.8%, respectively, from N2.0 trillion and N984 billion in H1 2025.

There was 44.3% growth in net fee and commission to N476billion in Q3 2025 from N330billion in Q3 2024, reflecting higher transaction volumes and increased customer activity across digital and payment channels across both periods.

On a quarter-on-quarter basis, net fee and commission income also increased by 100.8% from N237billion in H1 2025.