{"id":117426,"date":"2026-03-01T17:48:43","date_gmt":"2026-03-01T17:48:43","guid":{"rendered":"https:\/\/sotnews.agency\/?p=117426"},"modified":"2026-03-01T17:48:43","modified_gmt":"2026-03-01T17:48:43","slug":"banks-records-gh%c2%a215-0bn-profit-in-2025-a-43-5-growth","status":"publish","type":"post","link":"https:\/\/sotnews.agency\/?p=117426","title":{"rendered":"Banks records GH\u00a215.0bn profit in 2025, a 43.5% growth \u00a0"},"content":{"rendered":"
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Banks in Ghana recorded GH\u00a215.0 billion profit for the year 2025 compared to GH\u00a210.4 billion in 2024.<\/p>\n

According to the Banking Sector Developments report, this was a 43.5% growth compared with 26.2 percent the previous year.<\/p>\n

Similarly, profit before tax (PBT) grew 38.4% in December 2025, compared with 24.4% in December 2024. \u00a0<\/p>\n

Apart from other income, which recorded a higher growth rate in 2025 relative to 2024, all income lines grew albeit at a slower pace in December 2025 compared to the same period last year.<\/p>\n

The growth in net interest income was lower at 16.4% in 2025 from 18.0% in 2024, reflecting the decline in growth in interest income which was due to the decline in lending rates and rates on money market instruments during the review period.<\/p>\n

The fees and commissions, however, grew by 9.5% in 2025 relative to a growth of 25.8% in 2024.<\/p>\n

Similar declines in growth in cost lines outweighed the impact of the decline in growth in income lines on the bottom line.<\/p>\n

The banking industry\u2019s operating expenses grew by 14.0% in December 2025, compared to 22.0% in 2024, reflecting a moderation in growth in staff costs and non-staff-related expenses.<\/p>\n

The provisions for depreciation, bad debt, and impairment losses on financial assets also contracted by 57.1% in December 2025, compared to the 11.7% contraction recorded in December 2024.<\/p>\n

Return on Assets and Return on Equity<\/strong><\/p>\n

The profitability indicators for the banking sector improved in December 2025, driven by increases in profit before tax and profit after tax recorded during the year.<\/p>\n

The sector\u2019s Return on Assets (ROA) improved to 5.7% in December 2025 from 5.0% in December 2024. Also, the banks\u2019 Return on Equity (ROE) was stable at 30.8% over the same comparative period in 2023.<\/p>\n<\/div>\n

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Similarly, profit before tax (PBT) grew 38.4% in December 2025, compared with 24.4% in December 2024. \u00a0<\/div>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"rop_custom_images_group":[],"rop_custom_messages_group":[],"rop_publish_now":"initial","rop_publish_now_accounts":{"facebook_2277560469115098_106292521332774":"","twitter_aToxNzczMzI3Njk4OTg4ODUxMjAxOw==_1773327698988851200":""},"rop_publish_now_history":[],"rop_publish_now_status":"pending","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1904,6150,2367,12,2024,10,9,3950,11389,11390],"tags":[],"class_list":["post-117426","post","type-post","status-publish","format-standard","hentry","category-banking-and-finance","category-banks","category-bog","category-business","category-hp-business-3","category-politics","category-popular","category-profit","category-roa","category-roe"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/sotnews.agency\/index.php?rest_route=\/wp\/v2\/posts\/117426","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/sotnews.agency\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/sotnews.agency\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/sotnews.agency\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/sotnews.agency\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=117426"}],"version-history":[{"count":0,"href":"https:\/\/sotnews.agency\/index.php?rest_route=\/wp\/v2\/posts\/117426\/revisions"}],"wp:attachment":[{"href":"https:\/\/sotnews.agency\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=117426"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/sotnews.agency\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=117426"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/sotnews.agency\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=117426"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}