Ecobank Ghana PLC delivered a strong financial performance in 2025, recording a 28 percent increase in profit before tax to GH¢3 billion, as Ghana’s banking sector continued its re
The report indicates that ecobank Ghana PLC delivered a strong financial performance in 2025, recording a 28 percent increase in profit before tax to GH¢3 billion, as Ghana’s banking sector continued its recovery from recent economic challenges.
It further notes that addressing shareholders at the bank’s Annual General Meeting held under the theme “Delivering Today, Building for Tomorrow,” Managing Director, Abena Osei-Poku, stated the bank’s performance reflected its resilience, disciplined execution strategy, and commitment to sustainable growth despite an evolving regulatory and competitive environment.
According to her, Ecobank’s revenue increased to GH¢5.2 billion during the year, while the bank strengthened its position within the industry, ranking second in both revenue generation and profit before tax.
“Ecobank Ghana PLC delivered strong results in 2025 as the economy recovered and the regulatory landscape evolved. Revenue rose to GH¢5.2 billion, while profit before tax increased by 28 percent to GH¢3.0 billion, up from GH¢2.4 billion in 2024,” she told shareholders.
The bank also reported significant growth in its lending portfolio, with loans and advances increasing by 24 percent from GH¢10 billion to GH¢13 billion. Total assets rose to GH¢47 billion, while shareholders’ equity grew by 33 percent to GH¢7.2 billion.
Mrs. Osei-Poku stated the bank’s strong capital position remains one of its key strengths.
“We closed the year with a Capital Adequacy Ratio of 21.23 percent, without regulatory reliefs, comfortably above the regulatory minimum and positioning us strongly for growth,” she stated.
The Ecobank Ghana Managing Director noted that Ghana’s banking industry recorded substantial improvements in 2025, driven by stronger capital buffers, improved liquidity and renewed public confidence.
She stated that the industry’s Capital Adequacy Ratio improved significantly from 11.3 percent in December 2024 to 17.5 percent by the end of 2025, reflecting successful recapitalisation efforts and sustained profitability following the Domestic Debt Exchange Programme (DDEP).
“The banking sector recorded meaningful improvements in capital strength, liquidity and public confidence,” she said.
Industry assets expanded from GH¢367 billion to GH¢423 billion, while deposits increased from GH¢277 billion to GH¢302 billion during the period. The sector’s Non-Performing Loan (NPL) ratio also declined from 22.7 percent to 19.5 percent.
However, Mrs. Osei-Poku acknowledged that asset quality remains a challenge across the industry and within Ecobank’s own portfolio.
“Although our NPL ratio of 17.92 percent remains elevated, it continues to receive focused attention. We have intensified recovery efforts and strengthened early warning and loan life-cycle monitoring. Reducing the NPL ratio to below 10 percent by December 2026 remains a strategic priority,” she said.
Digital Transformation Remains a Key Priority
