NED Results Neutral

NEDBANK GROUP LIMITED - Results for the year ended 31 December 2025 and Cash Dividend Declaration

Nedbank Group Limited
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What this filing means

Nedbank delivered a 3% increase in diluted HEPS and record client growth, but results were marred by a 53% drop in basic EPS and a pivot toward a high-stakes R13.9bn East African acquisition.

Bull case

  • Strategic repositioning through the 100% acquisition of fintech iKhokha and the R13.9bn intention to acquire NCBA Group plc to focus on SADC and East African growth.
  • Solid headline earnings growth of 2% to R17.2bn with diluted HEPS up 3%, supported by improved credit impairments (CLR improved to 68 bps from 87 bps).

Bear case

  • Deteriorating operational efficiency as expenses (up 7%) outpaced revenue growth (up 3%), pushing the cost-to-income ratio to 57.8%.
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Category
Results
Published
Mar 3, 2026

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