Standard Chartered Bank Ghana PLC delivered higher net income and stronger earnings per share in the year ended December 31, 2025, even as a sharp appreciation of the Ghana cedi compressed net interest income and reshaped the bank’s revenue dynamics, according to summary financial statements published in Accra today.
Net income rose to GH¢804.21 million in 2025, up from GH¢716.15 million in 2024, while basic earnings per share from continuing operations increased to GH¢5.96 from GH¢5.31 the previous year. The bottom-line improvement came despite a significant decline in net interest income, which fell to GH¢1,003.93 million from GH¢1,404 million in 2024, reflecting the impact of the cedi’s appreciation on the cedi-equivalent value of foreign currency income flows and the broader repricing of the interest rate environment as the Bank of Ghana eased its policy rate through the year.
The bank’s regulatory health indicators showed improvement across key metrics. The Capital Adequacy Ratio (CAR) strengthened to 27.45 per cent at year-end 2025, up from 24.01 per cent in 2024, well above the Bank of Ghana’s minimum requirement and reflecting deliberate balance sheet strengthening. The Common Equity Tier 1 (CET 1) ratio rose to 27.11 per cent from 23.91 per cent, while the leverage ratio improved to 13.22 per cent from 12.73 per cent.
Asset quality remained a focus area. The non-performing loan (NPL) ratio on a gross basis stood at 25.82 per cent at year-end, compared with 24.77 per cent in 2024, though the NPL ratio on a loss-less basis held steady at 0.81 per cent against 1.75 per cent the previous year. The liquid ratio strengthened substantially to 104 per cent from 90 per cent, signalling a highly liquid balance sheet. Contingent liabilities narrowed to GH¢10,366 million from GH¢18,533 million in 2024.
The bank recorded no defaults in statutory liquidity obligations and incurred no regulatory sanctions or fines during the year, a clean regulatory scorecard across all three compliance measures.
The summary statements were prepared under International Financial Reporting Standards (IFRS) as adopted by the Institute of Chartered Accountants Ghana (ICAG), and audited by Ernst and Young Chartered Accountants, which expressed an unmodified audit opinion. The engagement partner was Pamela Des Bordes. Mansa Nettey serves as Managing Director and Albert Larweh Asante as Executive Director.
Standard Chartered Bank Ghana operates a network of 18 branches and a main head office in Accra, alongside SC Wealth Management Limited at Opeibea. The bank is a subsidiary of Standard Chartered Holdings (Africa) B.V., incorporated in the Netherlands.
