Ecobank Ghana PLC recorded a net profit of GH¢1.82 billion for the year ended December 31, 2025, representing an increase of 7.2 per cent from the GH¢1.70 billion reported in the previous year, according to the bank’s audited financial statements released on March 31, 2026.
The summary consolidated financial statements, signed by Managing Director Abena Osei-Poku and Director Henry Dodoo-Amoo, showed that total comprehensive income for the group increased to GH¢1.89 billion from GH¢1.74 billion in 2024. Earnings per share rose to 565 pesewas from 527 pesewas.
Total assets of the group stood at GH¢47.33 billion as at December 31, 2025, compared to GH¢46.00 billion in the prior year. Deposits from customers amounted to GH¢31.56 billion, while loans and advances to customers increased to GH¢13.15 billion from GH¢10.60 billion.
Net interest income declined to GH¢2.68 billion from GH¢3.77 billion. However, net trading income surged to GH¢1.70 billion from GH¢1.07 billion. Net fee and commission income increased to GH¢531.70 million from GH¢371.11 million, while other operating income rose to GH¢307.83 million from GH¢149.51 million.
Net impairment loss on financial assets amounted to GH¢834.21 million, higher than the GH¢694.98 million recorded in 2024. Other operating expenses declined to GH¢894.64 million from GH¢1.17 billion.
Profit before income tax increased to GH¢3.03 billion from GH¢2.36 billion, with income tax expense rising to GH¢1.20 billion from GH¢658.20 million.
The non-performing loan ratio improved to 17.92 per cent from 21.14 per cent. The capital adequacy ratio increased to 21.48 per cent from 17.18 per cent, while the common equity Tier 1 ratio improved to 20.09 per cent from 15.54 per cent. The liquidity ratio stood at 100.73 per cent, up from 88.61 per cent.
Regulatory sanctions during the year amounted to GH¢1.26 million, a reduction from GH¢4.06 million recorded in 2024. The bank reported no defaults in statutory liquidity requirements.
Total contingent liabilities as at December 31, 2025, stood at GH¢2.74 billion, comprising guarantees and indemnities of GH¢631.60 million, documentary letters of credit of GH¢1.43 billion, and loan commitments of GH¢686.85 million.
KPMG Ghana, the bank’s auditors, expressed an unmodified opinion on the audited consolidated and separate financial statements in a report dated March 31, 2026. The audit firm stated that the summary consolidated and separate financial statements are a fair summary of the audited financial statements.
Ecobank Ghana PLC is a subsidiary of Ecobank Transnational Incorporated, which holds 68.93 per cent of the bank’s issued ordinary shares.
Source:
www.graphic.com.gh