Ecobank Ghana PLC has delivered a strong financial performance for the 2025 financial year, posting a pre-tax profit of GH¢3.03 billion, representing a 28.3% year-on-year growth driven by robust revenue expansion and cost optimization measures.
Speaking at the bank’s Annual General Meeting (AGM), Board Chairman, Chief Alhassan Andani, said the performance underscores the effectiveness of the bank’s strategy and its ability to generate sustainable value despite a challenging operating environment.
According to him, total revenue reached GH¢5.2 billion, supported by sustained growth in net interest income, trading income and fee-based earnings.
“This performance reflects the successful execution of our trade finance business and cash management initiatives, which continue to strengthen our core earnings. Net interest income remained the primary revenue contributor, accounting for 51% of total revenue. Non-interest income also recorded a notable uplift, rising to 49% from 30% in the previous year. The improved balance between interest income and non-interest income underscores the effectiveness of our diversification strategy,” Chief Alhassan Andani noted.
The bank also maintained strong operational efficiency, recording a cost-to-income ratio of 35.13%, reflecting disciplined expense management amid prevailing economic pressures.
Ecobank Ghana’s balance sheet remained resilient, with total assets increasing by 2.8% year-on-year to GH¢47.33 billion.
Customer deposits stood at GH¢31.56 billion at the end of 2025, reflecting a marginal decline of 2.77% as the bank pursued balance sheet optimization measures while maintaining customer confidence and strengthening its product offerings.
The bank’s capital and liquidity buffers remained well above regulatory requirements. As of December 2025, Ecobank Ghana recorded a Common Equity Tier 1 ratio of 19.83% and a Capital Adequacy Ratio of 21.23%, comfortably exceeding the Bank of Ghana’s minimum requirement of 13%.
“Our commitment to delivering sustainable value to shareholders remains unwavering. Despite challenging macroeconomic environment, our performance continues to signal resilience and long-term strength,” the Board Chairman remarked.
Chief Alhassan Andani said the bank’s strong profitability translated into solid returns for shareholders, with Return on Average Equity standing at 29.0% and Return on Average Assets at 3.9%.
“Building on this momentum, the Board is confident that initiatives currently underway will further enhance operational efficiency, strengthen capital deployment, and deepen our competitive advantage. We are embracing technology- led transformation, diversifying revenue streams, and reinforcing our risk management frameworks to ensure sustainable performance across market cycles,” he added.
Reflecting the strong earnings performance, the Board proposed a dividend of GH¢1.21 per share for shareholders and was subsequently approved at the AGM. The final dividend will be paid on Wednesday, July 08, 2026.
The chairman said the payout balances the need to reward shareholders while retaining sufficient capital to support future growth.
Looking ahead, the bank also plans to deepen the integration of data analytics, intelligent automation and digital banking solutions to improve customer experience and operational efficiency.
Beyond its financial performance, Ecobank Ghana received 16 local and international awards in 2025, including recognition as Best Bank for Sustainable Finance and Best SME Bank, reinforcing its position as one of Ghana’s leading financial institutions.
