Nigeria’s leading banks are extending their physical and digital reach nationwide, even as the industry moves deeper into technology-driven services. First Bank remains the country’s most widespread lender, operating 766 branches as of the first half of 2025.
Data compiled by Nairametrics Research from official bank websites and branch locators show that First Bank, UBA, and Zenith Bank remain the most visible lenders across the country, each maintaining hundreds of branches across the country. Their presence explains how traditional banking networks still matter in a market where many customers rely on face-to-face service.
While mobile apps, USSD codes, and online platforms have transformed banking convenience, the country’s top lenders continue to invest in branch infrastructure to sustain personal connections and reach underserved communities. Notably, most banks have their largest concentration of branches in Lagos, with significantly fewer in northern states such as Zamfara, Yobe, and Taraba
Polaris Bank and Unity/Providus Bank would have ranked 6th and 7th with 253 and 236 branches, however, the bank’s 2024 and H1 2025 financial statements were unavailable at the time of this report.
Below is a breakdown of the 10 banks with the largest branch networks in Nigeria.
Top 10 banks with the highest branches in the country
Zenith Bank operates 490 branches nationwide with a workforce of 7,704 employees, reflecting a focused distribution strategy tied to Nigeria’s key commercial centers.
The bank’s largest presence is in Lagos (149), Abuja (50), and Delta (19), while Gombe and Zamfara have just one branch each, and Yobe two.
Zenith’s assets rose to N30.99 trillion in H1 2025, up from N29.96 trillion in FY 2024, with customer deposits expanding to N23.48 trillion.
The bank’s branch model underscores its commitment to digital transformation while keeping a strong presence where customer demand is highest.
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