OmniBSIC Bank Ghana Limited has reported a 104 percent surge in profit before tax to GH¢641 million for the full year ended December 31, 2025, capping the most consequential year in the indigenous lender’s five-year post-merger history and signalling a deepening shift in the competitive dynamics of Ghana’s banking sector.
The results, released in Accra, showed total assets more than doubling to GH¢21.58 billion, driven by a sharp rise in cash holdings to GH¢9 billion and investment securities climbing to GH¢10.19 billion. Customer deposits also doubled to GH¢16.56 billion, a figure that places the bank among the larger deposit-takers in Ghana’s 23-bank industry by total funding base.
Interest income nearly doubled to GH¢2.46 billion, while net interest income grew to GH¢1.17 billion from GH¢545.8 million in 2024, reflecting a larger and more productive earning asset base. Trading income contributed GH¢143.4 million and net fees added GH¢109.1 million, lifting total operating income to GH¢1.43 billion from GH¢746.1 million the prior year.
Managing Director Daniel Asiedu said the scale of growth carried implications beyond the bank’s balance sheet. “For the economy, our rapid expansion underscores a gradual restoration of confidence in the financial system and points to a more resilient flow of capital to support economic activity,” he said.
Risk metrics improved alongside the growth. The non-performing loan (NPL) ratio eased to 23.09 percent from 26.99 percent in 2024, and the capital adequacy ratio rose to 17.84 percent from 13.66 percent, both moving in the direction regulators and investors prefer. The bank held liquid assets equivalent to approximately 95 percent of all customer deposits, a buffer that provides substantial protection against withdrawal shocks.
Loans and advances grew more conservatively to GH¢1.39 billion, a deliberate posture that management has consistently signalled as it waits for credit conditions to normalise following Ghana’s domestic debt restructuring period. Off-balance sheet commitments fell to GH¢803 million from GH¢1.19 billion, reducing contingent liabilities in the background.
Shareholders’ funds reached GH¢1.11 billion at year-end, up from prior periods, reflecting accumulated retained earnings and regulatory transfers.
OmniBSIC was formed in March 2020 through the merger of OmniBank Ghana Limited and Sahel Sahara Bank (BSIC Ghana). It recorded its first profit in 2023 and has since posted accelerating gains across each reporting period, making it one of the most closely watched growth stories in Ghana’s post-consolidation banking landscape. The bank operates 40 branches nationwide, headquartered at Atlantic Tower, Airport City, Accra.
