Ecobank Ghana PLC grew its after-tax profit to GH¢1.82 billion in 2025, up from GH¢1.70 billion in 2024, as a sharp reduction in loan impairment charges and strong trading income offset a decline in net interest income, according to audited financial statements for the year ended December 31, 2025.
The results, signed off by auditors KPMG on March 31, 2026, show net impairment losses on financial assets fell significantly to GH¢356.73 million from GH¢1.03 billion in 2024, reflecting an improvement in credit quality. The non-performing loan ratio dropped to 17.92% from 21.14% a year earlier, while the capital adequacy ratio strengthened to 21.48% from 17.18%, well above the regulatory minimum.
Net interest income declined to GH¢2.68 billion from GH¢3.77 billion, partly reflecting lower interest rates and a changed asset mix, while net trading income rose sharply to GH¢1.70 billion from GH¢1.07 billion, partially offsetting the pressure on the core lending business. Operating income for the group came in at GH¢5.21 billion.
Total assets stood at GH¢47.33 billion at year end, up from GH¢46.00 billion, driven primarily by growth in loans and advances to customers, which increased to GH¢13.15 billion from GH¢10.60 billion. Non-trading investment assets also expanded to GH¢15.24 billion from GH¢10.48 billion.
Income tax expense nearly doubled to GH¢1.20 billion from GH¢658.20 million, reflecting the higher pre-tax profit of GH¢3.03 billion compared to GH¢2.36 billion in 2024.
Total equity attributable to shareholders rose to GH¢7.18 billion from GH¢5.40 billion. A dividend of GH¢109.67 million was paid during the year. Earnings per share improved to 565 pesewas from 527 pesewas in 2024.
The liquidity ratio strengthened to 100.73% from 88.61%, and the bank recorded no defaults on statutory liquidity requirements. Regulatory sanctions for the year amounted to GH¢1.26 million, reduced from GH¢4.06 million in 2024.
Cash and cash equivalents declined to GH¢14.91 billion from GH¢20.76 billion, largely reflecting a net cash outflow from operating activities of GH¢759.73 million compared to an inflow of GH¢7.57 billion in the prior year, and a GH¢4.94 billion net outflow from investment securities purchases.
Ecobank Transnational Incorporated (ETI), the pan-African parent company, holds 68.93% of the bank’s issued ordinary shares. The financial statements were signed by Managing Director Abena Osei-Poku and Director Henry Dodoo-Amoo.
