Access Hldgs PLC (NSA:ACCESSCORP)

Half Year and Q3 2025 Access Holdings PLC Earnings Call Transcript

Nov 4, 2025 / 01:00 PM GMT

Release Date Price: ₦23 (-2.95%)

Transcript

Key Points

Positve

Access Hldgs PLC (NSA:ACCESSCORP) reported a 14.1% increase in gross earnings to 3.9 trillion naira as of September 2025, driven by both banking and non-banking businesses.
Interest income grew by 38.9% year-on-year to 2.0 trillion naira, showcasing strong core operational performance.
The company achieved a significant improvement in its cost-to-income ratio, reducing it from 64.7% in 2020 to 54.5% in Q3 2025.
Access Hldgs PLC's international subsidiaries are contributing a growing share of both assets and profitability, reflecting successful expansion beyond Nigeria.
The company maintained a stable funding cost despite market volatility, with interest expense only rising by 6%.

Negative

Profitability was moderated due to high impairment charges and fair value losses, impacting year-on-year performance.
The interim dividend was skipped due to regulatory requirements regarding paid-up capital, affecting shareholder returns.
Operating expenses rose by 7% to 1.16 trillion naira, driven by business expansion and inflationary trends.
The company faced challenges with certain subsidiaries, such as South Africa, which remained unprofitable.
There was a significant decline in fair value and foreign exchange gains, which dropped by 53% to 2025 billion naira.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

ACCESSCORP.LG - Access Holdings PLC
Half Year and Q3 2025 Access Holdings PLC Earnings Call
Nov 04, 2025 / 01:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good afternoon, ladies and gentlemen, and welcome to the Access Holdings half year 2025 and nine months September 2025 earnings call.

All participants will be in listen-only mode.

There will be an opportunity to ask questions later during the conference.

If you should need assistance during the call, please signal an operator by pressing, then 0.

Please note that this call is being recorded.

I would now like to turn the conference over to Innocent Ike. Please go ahead, sir.

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Unidentified_2 [2]
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