Stanbic Bank Ghana profit rose sharply in 2025, with the lender posting one of the strongest earnings recoveries among Ghana’s tier-one banks as improving credit quality, higher trading income and a more diversified revenue base lifted performance.
The bank reported profit after tax of GH¢1.61 billion for the year ended December 2025, up 38.4 percent from GH¢1.16 billion in 2024. Total net income also climbed to GH¢4.46 billion, representing a 22.2 percent year-on-year increase.
Revenue growth driven by diversified income
The bank’s 2025 performance was supported by growth in both funded and non-funded income lines, underscoring a strategic shift away from overreliance on traditional lending.
Net interest income rose 13 percent to GH¢2.84 billion, reflecting improved yields on earning assets and more efficient funding. However, the biggest boost came from non-interest income, which surged 42.4 percent to GH¢1.63 billion.
Trading revenue stood out as a major earnings driver, increasing 71 percent to GH¢1.01 billion, pointing to stronger treasury and financial market activity.
Chief Executive Kwamina Asomaning said the results were the product of deliberate long-term repositioning.
“What we are seeing is the outcome of a multi-year effort to rebalance our earnings profile,” he said, adding that the bank is becoming “less dependent on traditional lending cycles and more anchored on diversified, quality revenue streams.”
Asset quality improves significantly
A major contributor to the profit surge was a sharp decline in credit impairment charges, which fell to GH¢52 million from GH¢364 million in 2024.
That improvement helped ease pressure on earnings and reflected stronger portfolio performance. The bank’s loan loss ratio also improved markedly to 1.35 percent from 4.57 percent a year earlier.
Mr Asomaning said risk discipline remains central to the bank’s growth model.
“Growth without strong risk governance is not sustainable. “Our focus has been on improving portfolio quality while continuing to support productive sectors of the economy.”
Balance sheet remains strong
Stanbic Bank Ghana’s balance sheet also strengthened during the year. Total assets rose 12.6 percent to GH¢36.7 billion, while shareholders’ equity increased nearly 39 percent to GH¢5.74 billion, largely supported by retained earnings.
The bank posted a return on equity of 32.6 percent and maintained a Capital Adequacy Ratio of 23.2 percent, comfortably above regulatory requirements.
The results position the bank strongly heading into 2026, with management expecting continued momentum as credit conditions stabilise and diversified earnings continue to support growth.
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