Ecobank Ghana PLC posted a net profit of 1.82 billion cedis (US$117 million) in 2025, up 7.2 percent from the previous year, as strong growth in trading, fees and other operating income helped offset weaker net interest income and higher impairment charges.
The lender said in its audited financial statements for the year ended December 31 that total comprehensive income rose to 1.89 billion cedis from 1.74 billion cedis in 2024, while earnings per share increased to 565 pesewas from 527 pesewas. The results were signed by Managing Director Abena Osei-Poku and director Henry Dodoo-Amoo, according to the published summary accounts.
Profit before income tax climbed to 3.03 billion cedis from 2.36 billion cedis a year earlier, even though the bank’s income tax expense rose sharply to 1.20 billion cedis from 658.2 million cedis. The stronger pre-tax result suggests the bank generated firmer operating momentum despite a tougher earnings mix.
Net interest income declined to 2.68 billion cedis from 3.77 billion cedis, but that was more than compensated for by a surge in non-funded income lines. Net trading income rose to 1.70 billion cedis from 1.07 billion cedis, while net fee and commission income increased to 531.7 million cedis from 371.1 million cedis. Other operating income also more than doubled to 307.8 million cedis from 149.5 million cedis.
The performance highlights how Ghanaian banks are increasingly leaning on transaction banking, treasury operations and fee-generating services to support profitability, even as interest margins come under pressure in a shifting monetary environment.
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Ecobank Ghana’s balance sheet also expanded during the year.
Total assets rose to 47.33 billion cedis at the end of December from 46.00 billion cedis a year earlier, while loans and advances to customers increased to 13.15 billion cedis from 10.60 billion cedis. Customer deposits stood at 31.56 billion cedis, underscoring the bank’s still-strong funding base.
The lender’s asset quality metrics also improved, although they remain elevated by industry standards.
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Its non-performing loan ratio fell to 17.92 percent from 21.14 percent in 2024, suggesting some improvement in loan recovery and portfolio quality. At the same time, the bank booked a higher net impairment loss on financial assets of 834.2 million cedis, compared with 695.0 million cedis in the prior year, reflecting continued caution around credit risk.
Capital and liquidity buffers strengthened significantly.
The bank’s capital adequacy ratio rose to 21.48 percent from 17.18 percent, while its common equity Tier 1 ratio improved to 20.09 percent from 15.54 percent. Its liquidity ratio also increased to 100.73 percent from 88.61 percent, indicating stronger short-term funding resilience.
Other operating expenses declined to 894.6 million cedis from 1.17 billion cedis, helping support profitability and suggesting tighter cost control during the period.
Ecobank Ghana also reported lower regulatory sanctions during the year, at 1.26 million cedis compared with 4.06 million cedis in 2024, and said it recorded no defaults in statutory liquidity requirements.
The bank, a subsidiary of Ecobank Transnational Incorporated, which holds 68.93 percent of its issued ordinary shares, said contingent liabilities stood at 2.74 billion cedis at year-end, including guarantees, letters of credit and loan commitments. Its auditors, KPMG Ghana, issued an unmodified opinion on the financial statements.
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The results reinforce Ecobank Ghana’s position as one of the country’s strongest lenders by profitability, even as banks continue to navigate credit quality pressures, tax burdens and changing funding conditions.
