BY KINGSLEY ASAREEcobank Ghana PLC has posted a strong financial performance for the 2025 financial year, recording a profit before tax of GH¢3.03 billion, representing a 28.3 per cent increase over the GH¢2.4 billion achieved in 2024.
The bank also recorded total revenue of GH¢5.2 billion, driven by growth in net interest income, trading income and fee-based earnings.
Addressing shareholders at the bank’s Annual General Meeting (AGM) in Accra yesterday, the Chairman of Ecobank Ghana PLC, Chief Alhassan Adani, attributed the impressive performance to disciplined execution of the bank’s strategy, prudent cost management and the confidence reposed in the institution by customers.
“Our operational efficiency remained robust during the year, reflected in a strong cost-to-income ratio of 35.13 per cent. This demonstrates the effectiveness of our cost optimisation efforts despite prevailing economic pressures,” he stated.
According to him, total assets grew by 2.8 per cent to GH¢47.33 billion, while the bank maintained strong capital and liquidity positions well above regulatory requirements.
Chief Adani announced that the board had proposed a dividend of GH¢1.21 per share for shareholders.
He said the bank’s diversification strategy continued to yield positive results, with non-interest income contributing 49 per cent of total revenue, up from 30 per cent in the previous year.
“The improved balance between interest and non-interest income underscores the effectiveness of our diversification agenda and the successful execution of our trade finance and cash management initiatives,” Chief Andani noted.
Customer deposits stood at GH¢31.56 billion at the end of the year, reflecting a marginal decline of 2.77 per cent as the bank optimised its balance sheet while maintaining customer confidence and loyalty.
The Chairman disclosed that Ecobank Ghana ended 2025 with a Common Equity Tier One ratio of 19.83 per cent and a Capital Adequacy Ratio of 21.23 per cent, significantly above the regulatory minimum requirement of 13 per cent.
He said the bank remained committed to delivering sustainable value to shareholders through technology-led transformation, revenue diversification and strengthened risk management systems.
Touching on corporate social responsibility, Chief Adani said the bank continued to invest in education, health, environmental sustainability and financial inclusion.
“A defining highlight of the year was the 13th Ecobank Day celebration under the theme: ‘Enabling Inclusive Learning for All’, which focused on expanding access to digital education for underserved communities,” he said.
The Chairman further noted that Ecobank Ghana received 16 local and international awards in 2025 for excellence in sustainable finance, SME banking, customer service, marketing and corporate governance.
In her address, the Managing Director of Ecobank Ghana PLC, Mrs Abena Osei-Poku, said the bank’s strong performance reflected the resilience of Ghana’s economy and the institution’s disciplined execution.
She indicated that shareholders’ funds increased by 33 per cent to GH¢7.2 billion, while loans and advances grew by 24 per cent during the year.
Mrs Osei-Poku said although the bank’s non-performing loan ratio stood at 17.92 per cent, management had intensified recovery efforts and strengthened credit monitoring systems, with the target of reducing the ratio to below 10 per cent by the end of 2026.
She added that the bank would continue investing in digital banking platforms to improve customer experience and operational resilience while advancing its sustainability and environmental, social and governance agenda.
BY KINGSLEY ASARE
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