The Net Interest Margin (NIM) of the banking industry fell precipitously to 11.4% – Fitch Ratings

Compiled By: Prince Henry Danquah, Bora Capital Advisors Ltd.

Lending rates will continue to fall as loans are mostly at variable rates.

According to Fitch Ratings, the banking sector’s Net Interest Margin (NIM) declined sharply to 11.4% in August 2025 from 14.8% in January 2025, and recent and future MPR cuts will put further pressure on profitability in 2025-2026.

These trends mark the end of a period of particularly wide NIMs, driven by the heightened interest rates that accompanied the sovereign debt restructuring launched in December 2022.

Source: newsthemegh.com