First National Bank Ghana 2025 profit jumped sharply as the bank delivered a significantly improved financial performance, underlining stronger earnings, healthier capital levels, and a more resilient balance sheet.
The bank reported profit after tax of GH¢106.8 million for the year ended December 2025, a substantial rise from GH¢18.2 million in 2024. Profit before tax also climbed to GH¢110.4 million from GH¢30.9 million, while operating income increased to GH¢605.6 million from GH¢431.3 million.
The results point to what industry watchers see as a bank entering a more stable and better-capitalised phase of growth, supported by stronger operating performance across key business lines.
A major contributor to the improved results was the bank’s core revenue engine. Net interest income rose to GH¢353.8 million from GH¢248.1 million, reflecting stronger returns from lending and other interest-bearing assets.
The bank also posted gains in non-interest income, highlighting a broader and more diversified earnings base. Net fees and commission income rose to GH¢77.2 million from GH¢67.4 million, while net trading income increased significantly to GH¢180.9 million from GH¢123.5 million.
These figures suggest that the bank’s growth is not being driven by a single line of business, but by a wider improvement in overall operations.
Deposits, liquidity and capital improve
The bank’s balance sheet also showed signs of strengthening. Total assets rose to GH¢6.48 billion from GH¢6.18 billion, while customer deposits increased to GH¢4.1 billion from GH¢3.86 billion.
The deposit growth is particularly important because it reflects growing customer confidence and gives the bank a stronger funding base. Cash and cash equivalents rose to GH¢1.99 billion from GH¢1.80 billion, while investment securities climbed to GH¢1.84 billion from GH¢1.35 billion.
At the same time, borrowings fell sharply to GH¢271.8 million from GH¢636.4 million, pointing to reduced dependence on external funding and improved financial flexibility.
Capital strength also improved considerably. Total equity rose to GH¢1.00 billion from GH¢537.7 million, supported by retained earnings and a GH¢358.6 million issue of ordinary shares. The bank’s capital adequacy ratio strengthened to 34.08% from 24.68%, providing a much stronger cushion against potential shocks.
There were also positive signs in credit quality. Gross loans stood at GH¢1.38 billion, down from GH¢1.48 billion, while non-performing loans declined to GH¢168.8 million from GH¢199.7 million.
The NPL ratio improved to 12.21% from 13.54%, while net impairment loss on financial assets fell sharply to GH¢7.3 million from GH¢24.8 million.
Taken together, the numbers suggest that First National Bank Ghana’s 2025 performance is more than just a profit story. It is also a clear sign of improving resilience, stronger fundamentals, and a bank that appears better positioned for sustained growth.
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