Alongside this growth, the Group improved operational efficiency, with its cost to income ratio reaching a record low of 48.4%. The growth in net revenue was underpinned by strong performances across both Corporate and Investment Banking and Consumer and Commercial Banking. Non-interest revenue continued to provide resilience, accounting for more than 41% of total revenue, while return on average tangible equity (ROTE) remained robust at 21.1%. Payment revenue grew by 10%, driven by higher wholesale payment volumes, increased merchant acquiring activity, and continued growth in card-based services. Nigeria recorded net revenue growth of 23%, while the Group continued to take steps to strengthen asset quality.