Ecobank Ghana posts GH¢1.82bn profit in 2025, driven by trading income

Ecobank Ghana PLC recorded a profit after tax of GH¢1.82 billion for the financial year ended December 31, 2025, representing a 7.2% increase from the GH¢1.70 billion reported in 2024.

The bank’s audited financial statements, released on March 31, 2026, showed that total comprehensive income rose to GH¢1.89 billion, with earnings per share climbing to 565 pesewas from 527 pesewas in the prior year.

Performance Overview
Despite a decline in net interest income, which fell to GH¢2.68 billion from GH¢3.77 billion in 2024, the bank saw significant growth in its non-interest revenue streams. Net trading income surged to GH¢1.70 billion, up from GH¢1.07 billion, while net fee and commission income increased by 43% to GH¢531.70 million.

Total operating expenses were reduced to GH¢894.64 million, down from GH¢1.17 billion in the previous year. However, net impairment loss on financial assets increased to GH¢834.21 million, compared to GH¢694.98 million in 2024.

Profit before income tax rose to GH¢3.03 billion, with income tax expense growing to GH¢1.20 billion.

Balance Sheet Strength
The bank’s total assets grew to GH¢47.33 billion, up from GH¢46.00 billion. Customer deposits amounted to GH¢31.56 billion, while loans and advances to customers saw a significant increase, rising to GH¢13.15 billion from GH¢10.60 billion.

Asset quality improved, with the non-performing loan (NPL) ratio declining to 17.92% from 21.14%. The bank also strengthened its capital position, with the capital adequacy ratio (CAR) rising to 21.48% from 17.18%, well above the regulatory minimum.

Audit and Outlook
KPMG Ghana issued an unmodified audit opinion on the consolidated financial statements, confirming they present a fair summary of the bank’s financial position.

Ecobank Ghana remains a subsidiary of Ecobank Transnational Incorporated (ETI), which holds a 68.93% stake in the issued ordinary shares of the Ghanaian lender.