Stanbic Bank posts 38% profit growth as earnings momentum strengthens in 2025
Stanbic Bank Ghana Limited posted a profit after tax of GH¢1.61 billion for the year ended December 2025, a 38.4 per cent increase over the GH¢1.16 billion reported in 2024. Total net income rose to GH¢4.46 billion, representing a 22.2 per cent increase year-on-year. Net interest income climbed 13 per cent to GH¢2.84 billion, while non-interest revenue surged 42.4 per cent to GH¢1.63 billion. Trading revenue alone expanded by 71 per cent, reaching GH¢1.01 billion.
Credit impairment charges declined to GH¢52 million from GH¢364 million in 2024. The bank's loan loss ratio improved from 4.57 per cent to 1.35 per cent. Total assets grew 12.6 per cent to GHS36.7 billion, while shareholders' equity rose nearly 39 per cent to GH¢5.74 billion. The Bank achieved a return on equity of 32.6% and maintained a Capital Adequacy Ratio of 23.2%. Kwamina Asomaning, Chief Executive of Stanbic Bank Ghana, said "What we are seeing is the outcome of a multi-year effort to rebalance our earnings profile. We are building a bank that is less dependent on traditional lending cycles and more anchored on diversified, quality revenue streams." He also stated that "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."
With improving capital ratios, stronger earnings diversification and stabilising credit conditions, the bank expects continued growth
Quick Summary
Stanbic Bank Ghana Limited has released its 2025 financial results- showing significant gains. The report highlights the bank's strategic repositioning, but what does this mean for the broader economy?
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