Stanbic Bank Ghana LTD delivered strong earnings rebound in 2025, posting a sharp increase in profitability and revenue growth indicative of renewed confidence in Ghana’s banking sector amid improving credit conditions and expanding non-interest income streams.
The bank recorded a profit after tax of GHS1.61 billion for the year ended December 2025, a 38.4 percent increase over the GHS1.16 billion reported in 2024, affirming one of the strongest year-on-year performances among tier-one banks during the period. The results reflect a combination of higher trading income, improved asset quality and sustained balance sheet expansion, even as banks continued to operate within a cautious post-debt restructuring economic environment. Total net income rose to GHS4.46 billion, representing a 22.2 percent increase year-on-year, supported by growth across both funded and non-funded income lines.
Net interest income climbed 13 percent to GHS2.84 billion, driven by improved yields on earning assets and funding optimisation. However, the standout contributor to earnings growth came from non-interest revenue, which surged 42.4 percent to GHS1.63 billion. Trading revenue alone expanded by 71 percent, reaching GHS1.01 billion, highlighting increased activity in financial markets and treasury operations.
Chief Executive of Stanbic Bank Ghana, Kwamina Asomaning, said the performance reflects deliberate strategic repositioning rather than cyclical gains. “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.”
A key driver of profitability was the significant reduction in credit impairment charges, which declined to GHS52 million from GHS364 million in 2024, easing pressure on earnings and stabilising credit performance. The bank’s loan loss ratio improved markedly from 4.57 percent to 1.35 percent, reflecting tighter risk management and improved borrower performance.
According to Mr. Asomaning, disciplined risk management has become central to sustaining growth. “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.”
Stanbic Bank’s total assets grew 12.6 percent to GHS36.7 billion, while shareholders’ equity rose nearly 39 percent to GHS5.74 billion, supported largely by retained earnings growth. The Bank delivered strong operating performance, achieving a return on equity of 32.6%, driven by efficient use of capital and a steadily improving business environment. It also maintained solid capital buffers, with a Capital Adequacy Ratio of 23.2%, well above regulatory requirements. With improving capital ratios, stronger earnings diversification and stabilising credit conditions, the bank expects continued growth momentum into 2026.
About Stanbic Bank For over 26 years, Stanbic Bank Ghana has been a leading force in the nation’s banking sector, distinguished by financial strength, innovation, and a commitment to driving national growth. Since its establishment in 1999, the bank has maintained its position among Ghana’s top tier-one institutions, delivering world-class solutions guided by a highly experienced leadership team. As a subsidiary of the Standard Bank Group, Africa’s largest bank by assets, Stanbic Bank leverages deep sector expertise and a strong pan-African presence across 20 countries. Standard Bank’s strategic partnership with the Industrial and Commercial Bank of China (ICBC), a 20% shareholder, further enhances Stanbic Bank Ghana’s access to global trade finance networks, Asian markets, and competitive cross-border financing opportunities. Stanbic Bank provides structured finance, capital solutions, treasury services, commodity trade expertise, and strategic advisory support. Guided by the purpose that “Ghana is our home,” Stanbic Bank Ghana remains committed to driving growth by empowering businesses, enabling prosperity, and supporting national development for decades to come.
