Ecobank Ghana PLC reported a net profit of GH¢1.82 billion for the year ended December 31, 2025, up 7.2% from the previous year’s GH¢1.70 billion, according to audited financial accounts released on March 31, 2026.
The group’s overall comprehensive income rose to GH¢1.89 billion from GH¢1.74 billion in 2024, according to the summary consolidated financial statements signed by Director Henry Dodoo-Amoo and Managing Director Abena Osei-Poku. The earnings per share increased from 527 pesewas to 565 pesewas.
As of December 31, 2025, the group’s total assets were GH¢47.33 billion, up from GH¢46.00 billion the year before. Customer deposits totalled GH¢31.56 billion, while customer loans and advances rose from GH¢10.60 billion to GH¢13.15 billion.
Net interest income decreased from GH¢3.77 billion to GH¢2.68 billion. On the other hand, net trading income increased from GH¢1.07 billion to GH¢1.70 billion.
While other operating income jumped to GH¢307.83 million from GH¢149.51 million, net fee and commission revenue increased to GH¢531.70 million from GH¢371.11 million.
Compared to GH¢694.98 million in 2024, the net impairment loss on financial assets was GH¢834.21 million. From GH¢1.17 billion to GH¢894.64 million, other operating expenses decreased.
Income tax expenses rose to GH¢1.20 billion from GH¢658.20 million, while profit before income tax jumped to GH¢3.03 billion from GH¢2.36 billion.
The percentage of non-performing loans decreased from 21.14% to 17.92%.
The common equity Tier 1 ratio improved to 20.09 percent from 15.54 percent, and the capital adequacy ratio rose to 21.48 percent from 17.18 percent. The liquidity ratio increased from 88.61 percent to 100.73 percent.
The total amount of regulatory sanctions for the year was GH¢1.26 million, down from GH¢4.06 million in 2024. No statutory liquidity requirements defaults were reported by the bank.
As of December 31, 2025, the total amount of contingent liabilities was GH¢2.74 billion, consisting of GH¢686.85 million in loan commitments, GH¢1.43 billion in documentary letters of credit, and GH¢631.60 million in guarantees and indemnities.
In a report dated March 31, 2026, the bank’s auditors, KPMG Ghana, provided an unaltered opinion on the audited consolidated and separate financial accounts.
According to the audit firm, a fair summary of the audited financial statements can be found in the consolidated and separate financial statements.
Ecobank Transnational Incorporated, which owns 68.93 percent of the bank’s issued common shares, is the parent company of Ecobank Ghana PLC.
Source: newsthemegh.com