Navigating Prosperity
An Interactive Analysis of Nigeria’s Banking Sector in 2024
The Nigerian banking sector demonstrated exceptional resilience and profitability in 2024, navigating a challenging macroeconomic environment to achieve record earnings. This dashboard allows you to explore the key performance indicators, revenue drivers, and strategic directions of the nation’s leading banks.
Collective Profit After Tax (PAT)
₦3.41 Trillion
+62.38% YoY
Collective Profit Before Tax (PBT)
₦4.1 Trillion
+42.7% YoY
Primary Profit Drivers
High Interest Rates
& Naira Depreciation
Bank Performance Comparison
Profit After Tax (PAT) in 2024 (₦ Trillion)
Zenith Bank Plc
This section provides a deeper dive into the selected bank’s performance. Explore the tabs below to understand its financial health, the primary drivers of its profitability, and its strategic pillars for future growth.
Key Financial Ratios
This radar chart visualizes the bank’s operational efficiency, profitability, and risk profile against the industry average, offering a holistic view of its financial health.
Gross Earnings Breakdown
This chart shows the composition of the bank’s revenue, highlighting the relative contributions of core lending activities (Interest Income) versus other sources.
let patComparisonChart, ratiosRadarChart, earningsDoughnutChart;
document.addEventListener('DOMContentLoaded', () => { const selector = document.getElementById('bankSelector'); selector.addEventListener('change', (e) => { updateDashboard(e.target.value); });
const navButtons = document.querySelectorAll('.nav-button'); navButtons.forEach(button => { button.addEventListener('click', () => { const tabId = button.dataset.tab;
navButtons.forEach(btn => btn.classList.remove('active')); button.classList.add('active');
document.querySelectorAll('.tab-pane').forEach(pane => { pane.classList.add('hidden'); }); document.getElementById(tabId).classList.remove('hidden'); document.getElementById('tabContent').classList.remove('fade-in'); void document.getElementById('tabContent').offsetWidth; document.getElementById('tabContent').classList.add('fade-in'); }); });
createPatComparisonChart(); updateDashboard('Zenith'); });
function createPatComparisonChart() { const ctx = document.getElementById('patComparisonChart').getContext('2d'); const chartData = Object.values(bankData).map(b => b.pat); const chartLabels = Object.values(bankData).map(b => b.name.replace(' Plc', '').replace(' Holding Co.', ''));
patComparisonChart = new Chart(ctx, { type: 'bar', data: { labels: chartLabels, datasets: [{ label: 'Profit After Tax (₦ Trillion)', data: chartData, backgroundColor: '#BFAE99', borderColor: '#8A7F70', borderWidth: 1, borderRadius: 5, }] }, options: { responsive: true, maintainAspectRatio: false, plugins: { legend: { display: false }, tooltip: { callbacks: { label: function(context) { return ` PAT: ₦${context.raw.toFixed(2)} Trillion`; } } } }, scales: { y: { beginAtZero: true, title: { display: true, text: '₦ Trillion' } }, x: { ticks: { maxRotation: 0, minRotation: 0, autoSkip: false, callback: function(value, index, values) { const label = this.getLabelForValue(value); return label.length > 15 ? label.substring(0, 15) + '...' : label; } } } } } }); }
function updateDashboard(bankKey) { const data = bankData[bankKey];
document.getElementById('bankNameTitle').innerText = data.name;
const introText = document.getElementById('bankIntro'); introText.innerText = `This section provides a deeper dive into ${data.name}'s performance. Explore the tabs below to understand its financial health, the primary drivers of its profitability, and its strategic pillars for future growth.`; introText.classList.remove('fade-in'); void introText.offsetWidth; introText.classList.add('fade-in');
document.getElementById('interestIncomeText').innerText = data.text.interest; document.getElementById('nonInterestIncomeText').innerText = data.text.nonInterest; document.getElementById('digitalText').innerText = data.text.digital; document.getElementById('diversificationText').innerText = data.text.diversification; document.getElementById('capitalText').innerText = data.text.capital;
updateRatiosChart(data.ratios); updateEarningsChart(data.earnings); }
function updateRatiosChart(ratios) { const ctx = document.getElementById('ratiosRadarChart').getContext('2d'); const labels = ['ROAE %', 'ROAA %', 'NIM %', 'CIR %', 'NPL %', 'CAR %']; const bankValues = [ratios.roae, ratios.roaa, ratios.nim, ratios.cir, ratios.npl, ratios.car]; const avgValues = [averageRatios.roae, averageRatios.roaa, averageRatios.nim, averageRatios.cir, averageRatios.npl, averageRatios.car];
if (ratiosRadarChart) { ratiosRadarChart.destroy(); }
ratiosRadarChart = new Chart(ctx, { type: 'radar', data: { labels: labels, datasets: [ { label: bankData[document.getElementById('bankSelector').value].name, data: bankValues, backgroundColor: 'rgba(74, 92, 90, 0.2)', borderColor: '#4A5C5A', pointBackgroundColor: '#4A5C5A', pointBorderColor: '#fff', pointHoverBackgroundColor: '#fff', pointHoverBorderColor: '#4A5C5A' }, { label: 'Industry Average', data: avgValues, backgroundColor: 'rgba(191, 174, 153, 0.2)', borderColor: '#BFAE99', pointBackgroundColor: '#BFAE99', pointBorderColor: '#fff', pointHoverBackgroundColor: '#fff', pointHoverBorderColor: '#BFAE99' } ] }, options: { responsive: true, maintainAspectRatio: false, scales: { r: { angleLines: { display: true }, suggestedMin: 0, pointLabels: { font: { size: 11 } } } }, plugins: { legend: { position: 'top', } } } }); }
function updateEarningsChart(earnings) { const ctx = document.getElementById('earningsDoughnutChart').getContext('2d'); const total = earnings.interest + earnings.nonInterest; const interestPercentage = (earnings.interest / total * 100).toFixed(1); const nonInterestPercentage = (earnings.nonInterest / total * 100).toFixed(1);
if (earningsDoughnutChart) { earningsDoughnutChart.destroy(); }
earningsDoughnutChart = new Chart(ctx, { type: 'doughnut', data: { labels: [`Interest Income (${interestPercentage}%)`, `Non-Interest Income (${nonInterestPercentage}%)`], datasets: [{ data: [earnings.interest, earnings.nonInterest], backgroundColor: ['#4A5C5A', '#BFAE99'], hoverOffset: 4 }] }, options: { responsive: true, maintainAspectRatio: false, plugins: { legend: { position: 'bottom', }, tooltip: { callbacks: { label: function(context) { let label = context.label || ''; if (label) { label += ': '; } if (context.parsed !== null) { label += `₦${(context.parsed / 1000000).toFixed(2)}T`; } return label; } } } } } }); }
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