Access Holdings make ₦667.4 billion before tax for di first nine months of 2026. For di same months of 2025, e make ₦616.2 billion. Na from accounts wey auditors never finish checking and wey dem submit to Nigerian Exchange on 2 November di figures come. Dem cover di parent company and companies wey e control together, including Access Bank. No be only di bank.
One reason di increase reach 8.3% na say di amount dem record as expense for losses on financial assets come down. E fall from about ₦350 billion to ₦92.9 billion. That expense dey affect profit for di books. As e reduce, e no prove say borrowers pay back that same amount of overdue debt.
Di group earn more from fees and commission after dem remove expenses wey go with dem. That income rise from ₦475.9 billion to ₦534.9 billion. Staff costs rise too, from ₦358.6 billion to ₦432.1 billion. After income tax, ₦474.2 billion profit remain for di group, compared with ₦447.5 billion one year before.
Another comparison dey for di accounts. For July reach September alone, di group record ₦253.2 billion before tax. Di table for those three months show ₦166.3 billion for di same three months for 2025. Di ₦253.2 billion don already enter di nine-month total. If you add am again, you go count di same profit two times.
For person wey get ordinary shares, another figure dey. Basic earnings for each ordinary share move from ₦8.00 to ₦8.02 for di nine months. To calculate am, dem use profit wey belong to ordinary shareholders and di average number of ordinary shares, taking account of how long di shares dey in issue. E no show how much cash each person collect.
Wetin e mean for you: if you get shares, two kobo wey join earnings per share no mean say dem don declare two kobo extra dividend. Check separate dividend announcement for wetin dem go pay. If you dey compare profit headlines, check which months dem cover and whether dem don remove tax.