The strong core-earning performance doused the impact of the N493.01biillion fair value gains recognised in H1-2024 which did not recur in H1 2025, thereby narrowing y-o-y dip in PBT to 40per cent. Capital Adequacy Ratio (CAR) remained very robust and strong, closing at 36.2per cent. Asset quality also improved as evidenced by IFRS 9 Stage 3 Loans which closed at 3.2per cent at Bank level and 4.5per cent at Group in H1 2025 (Bank -3.5per cent (Group- 5.2per cent in December 2024) and Cost of Risk (COR) improved to 1.7per cent from 4.9per cent in December 2024. In specific term, the Group’s loan book (net) grew by 20.5per cent from N2.79trillion position in December 2024 to N3.36trillion in June 2025. Similarly, deposit liabilities grew by 16.6per cent from N10.40trillion to N12.13trillion during the same period.