Republic Bank (Ghana) PLC has reported a strong financial performance for the year ended December 31, 2025, posting a profit after tax of GH¢287.94 million, a 36.7 per cent increase over the GH¢210.68 million recorded in 2024.

According to the Bank’s audited financial statements, profit attributable to controlling equity holders rose to GH¢276.90 million from GH¢201.87 million in the previous year.

Income Performance

The growth in profitability was driven by solid income expansion across key lines.

Net interest income climbed to GH¢754.45 million in 2025, up from GH¢650.15 million in 2024. This was supported by interest income of GH¢1.29 billion, which offset interest expenses of GH¢532.41 million.

Net fee and commission income increased to GH¢167.71 million from GH¢143.49 million, while net trading income rose to GH¢55.63 million, compared with GH¢49.92 million a year earlier.

Overall, operating income crossed the GH¢1 billion mark, reaching GH¢1.05 billion in 2025, up from GH¢869.17 million in 2024.

However, operating costs also rose during the period. Personnel expenses increased to GH¢311.93 million from GH¢283.41 million, while other operating expenses grew to GH¢213.65 million from GH¢179.29 million.

Encouragingly, net impairment losses on financial assets declined to GH¢20.70 million from GH¢31.61 million, reflecting improvements in asset quality.

Balance Sheet Expansion

The Bank’s balance sheet recorded robust growth in 2025.

Total assets expanded by 28.6 per cent to GH¢12.34 billion, up from GH¢9.59 billion at the end of 2024.

Customer deposits rose significantly to GH¢8.29 billion from GH¢6.06 billion, underscoring improved deposit mobilisation. Loans and advances to customers also grew to GH¢3.46 billion from GH¢3.05 billion.

Total liabilities increased to GH¢10.99 billion from GH¢8.54 billion, while total equity attributable to shareholders strengthened to GH¢1.31 billion from GH¢1.04 billion. Retained earnings closed the year at GH¢237.99 million.

Capital and Asset Quality

The Bank further reinforced its capital position during the year.

Its Capital Adequacy Ratio (CAR) improved to 20.15 per cent in 2025, up from 18.20 per cent in 2024, remaining comfortably above the regulatory minimum.

Asset quality indicators also showed improvement. The Non-Performing Loan (NPL) ratio declined to 14.15 per cent from 15.64 per cent year-on-year. The liquidity ratio stood at 114.42 per cent, slightly lower than the 116.48 per cent recorded in 2024, while the leverage ratio moderated to 7.15 per cent from 9.03 per cent.

The Bank reported no breaches of statutory liquidity requirements during the period under review.

Cash Flow and Dividend

Net cash generated from operating activities amounted to GH¢195.09 million, compared with GH¢392.00 million in 2024. Cash and cash equivalents closed the year at GH¢6.03 billion, up from GH¢4.47 billion.

The Board has recommended a dividend of five Ghana pesewas (GHp 5) per share for shareholder approval, subject to regulatory clearance. No dividend was declared in 2024.