Banks record GH¢4.6bn profit in 4-months of 2026, but profitability indicators declined
Banks recorded a profit of GH¢4.6 billion in the first four months of 2026, representing a growth of 7.1%. This is compared to GH¢4.3 billion in the same period a year earlier. Profit-before-tax grew by 5.6% in April 2026, relative to 21.9% in April 2025.
Growth in all income streams moderated in April 2026 compared to the same period a year earlier, with the exception of other income, which recorded stronger growth. Net interest income declined from a 15.5% year-on-year growth in April 2025 to a contraction of 2.2% in April 2026. Fees and commissions grew by 15.6% in 2026, down from 26.2% in 2025. Operating expenses recorded modest growth of 2.1% in April 2026, down from 23.0% a year earlier. Provisioning for depreciation, bad debts, and financial asset impairments rose significantly by 35.1%, compared to a contraction of 24.2% in April 2025. The profitability indicators for the banking sector declined in April 2026. The sector's Return on Assets (ROA) declined marginally to 4.3% in April 2026 from 5.0% in April 2025. Banks' Return on Equity (ROE) decreased to 22.4% in April 2026 from 30.0% in April 2026.
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Ghanaian banks recorded a GH¢4.6 billion profit in the first four months of 2026, marking a 7.1% growth compared to the previous year. However
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