Fidelity Bank's FY 2025 Financials Shine Amid Loan Contraction
- Significant Revenue Growth: Fidelity Bank reported gross earnings of ₦1.52 trillion for FY 2025, a 45.6% increase year-over-year, indicating strong profitability but also highlighting competitive pressures in the market.
- Loan Contraction Trend: Despite the bank's total loans and advances declining by 2.4% to ₦4.28 trillion, its liquidity ratio stands at 66.5%, well above the regulatory minimum, reflecting a conservative risk management strategy.
- Market Share Loss: In contrast, Nigerian fintech Moniepoint disbursed over ₦1 trillion in loans to approximately 70,000 SMEs in 2025, demonstrating robust growth in the SME credit market.
- Strategic Adjustment Impact: To meet the Central Bank's capital requirements, Fidelity Bank opted to eliminate dividends and raised ₦227 billion through private placement, ensuring compliance but diminishing its competitiveness in high-risk retail credit markets.
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Technical Analysis for BANK
Technical Sentiment Analysis for Lorenzo Protocol (BANK). As of , Lorenzo Protocol (BANK) is exhibiting a Buy technical sentiment. Our proprietary analysis, which aggregates 5 technical signals, shows that 4 indicators are flashing buy, while 1 are indicating sell.
Momentum Indicators: RSI, MACD & Overbought/Oversold Status. Currently, the Relative Strength Index (RSI) for BANK stands at -, which suggests a Neutral condition. Meanwhile, the MACD (12, 26) indicator is at -, providing a Neutral signal for short-term momentum. Other oscillators like the Stochastic Oscillator at - and the Commodity Channel Index (CCI) at - further confirm a - outlook for the crypto.
Support, Resistance & Moving Averages. From a structural perspective, BANK is trading below its 60-day moving average of $- and below its 200-day long-term moving average of $-. Key price levels to watch include the immediate resistance at $- and strong support at $-. A break above $- could signal a bull continuation, while falling below $- may test the next Fibonacci floor at $-.
Lorenzo Protocol (BANK) Support & Resistance Level
| Name | S3 | S2 | S1 | Pivot Points | R1 | R2 | R3 |
|---|---|---|---|---|---|---|---|
| Classic | 0.0231 | 0.0288 | 0.0335 | 0.0392 | 0.0439 | 0.0496 | 0.0543 |
| Fibonacci | 0.0288 | 0.0327 | 0.0352 | 0.0392 | 0.0431 | 0.0456 | 0.0496 |
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