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1 week ago

Contents

Navigating Prosperity Collective Profit After Tax (PAT)Collective Profit Before Tax (PBT)Primary Profit Drivers Bank Performance Comparison Zenith Bank Plc Key Financial Ratios Gross Earnings Breakdown Interest Income: The Primary Engine Non-Interest Income: Diversification & Volatility The Macroeconomic Double-Edged Sword Digital Transformation Geographical Expansion Capital Management

Navigating Prosperity: An Interactive Analysis of Nigeria’s Most Profitable Banks

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

Explore a Bank:

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; } } } } } }); }