Compiled By: Prince Henry Danquah, Bora Capital Advisors Ltd.
Banks in Ghana recorded GH¢15.0 billion profit for the year 2025 compared to GH¢10.4 billion in 2024.
According to the Banking Sector Developments report, this was a 43.5% growth compared with 26.2 percent the previous year.
Similarly, profit before tax (PBT) grew 38.4% in December 2025, compared with 24.4% in December 2024.
Apart from other income, which recorded a higher growth rate in 2025 relative to 2024, all income lines grew, albeit at a slower pace in December 2025 compared to the same period last year.
The growth in net interest income was lower at 16.4% in 2025 from 18.0% in 2024, reflecting the decline in growth in interest income, which was due to the decline in lending rates and rates on money market instruments during the review period.
The sector’s Return on Assets (ROA) improved to 5.7% in December 2025 from 5.0% in December 2024.
Also, the banks’ Return on Equity (ROE) was stable at 30.8% over the same comparative period in 2024.
Source: newsthemegh.com