AG Mortgage Bank
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Investor Relations
Independent Credit Ratings
Our financial strength and stability are validated by leading independent rating agencies
Global Credit Rating (GCR)
- Long Term: BB+(NG)
- Short Term: B(NG)
- Outlook: Stable
GCR affirmed AGMB’s BB+(NG) rating with a Stable outlook, balancing strong capitalisation metrics, stable funding structure, and adequate liquidity.
DataPro
- Long term: BBB
- Short term: A2
- Outlook: Stable
We hold a BBB rating from DataPro, indicating satisfactory financial condition and capacity to meet obligations. This rating complements the assessments from Agusto & Co. and GCR.
Agusto&Co
- Long term: BB
- Short term: B
- Outlook: Stable
With a graded ‘BB’ credit rating, we demonstrate an improved funding profile and a disciplined approach to risk. This captures our solid capital position and our ongoing commitment to professional excellence in the mortgage sector.
Financial Performance
Consistent growth and improving profitability demonstrate our financial strength
Total Assets
₦33.39B
- 51.1% Growth
2023: ₦22.1B → 2024: ₦22.3B → 2025: ₦33.39B
Gross Loan Portfolio
₦24.15B
- 70.1% Growth
2023: ₦14.2B → 2024: ₦15.8B → 2025: ₦24.15B
Profit Before Tax
₦1.38B
- 85.5% Growth
2023: ₦22.1B → 2024: ₦22.3B → 2025: ₦33.39B
Return on Equity (post-tax)
15%
- Improved from 7.51-15%
2023: 7.56% → 2024: 7.51% → 2025: 15%
Capital Adequacy Ratio
25%
2023: 26.92% → 2024: 28.08% → 2025: 25%
Liquidity Ratio
74%
2023: 45.11% → 2024: 27.42% → 2025: 74%
Return on Asset
3%
2023: 2.11% → 2024: 2.05% → 2025: 3%
Net Asset Per Share
72K
2023: 56.46K → 2024: 61.05K → 2025: 72K
Earning Per Share
10.55K
2023: 4.66K → 2024: 4.59K → 2025: 10.55K
Investor Resources
Comprehensive documentation for informed investment decisions
AGMB Strategy Plan 2025-2030
MOVING FORWARD: Comprehensive strategy for market penetration and growth
Market Intelligence Report
Competitive positioning and growth opportunities in Nigerian housing finance
Sustainability Report 2023
ESG initiatives, green housing commitments, and social impact programs