The Agricultural Development Bank PLC (ADB) has continued its remarkable turnaround story, recording a profit before tax of GH¢447.49 million for the third quarter of 2025, a massive 153.66% growth compared to GH¢176.41 million during the same period in 2024.
The Bank’s balance sheet remains strong, with total assets rising by 17%, from GH¢13.87 billion in September 2024 to GH¢16.22 billion as of September 2025. This steady growth reflects the Bank’s robust investment drive and consistent deposit mobilization efforts.
Customer deposits grew to GH¢12.85 billion, up from GH¢11.15 billion last year, while net investment securities surged from GH¢4.71 billion to GH¢6.45 billion over the same period, signaling strong investor confidence in the Bank’s strategic direction.
ADB also recorded a remarkable jump in net interest income, which increased from GH¢551.0 million in 2024 to GH¢918.1 million this year, supported by high-yield investments and prudent financial management. Overall, total operating income climbed by 53.5% year-on-year, moving from GH¢765.7 million in 2024 to GH¢1.17 billion in 2025.
Speaking on the impressive performance, Managing Director Edward Ato Sarpong said the results reflected the Bank’s disciplined execution of its long-term strategy and renewed focus on operational efficiency.
“Our performance for the period reflects ADB’s deliberate efforts over the past nine months to stabilize our operations, strengthen our balance sheet, enhance profitability, and deliver long-term value to our diverse stakeholders while continuing to support key sectors of the economy, particularly agriculture,” Mr. Sarpong stated.
He added that the Bank remains “on course, on our four-year strategy, to deliver sustainable value and growth for everyone.”
ADB’s liquidity position remains robust, with a liquid ratio of 130%, comfortably above the regulatory requirement, further underscoring the Bank’s financial stability.
Looking ahead, Mr. Sarpong reaffirmed ADB’s commitment to maintaining prudent risk management while deepening its support for Ghana’s agricultural value chain and overall economic development.
“As we approach the close of the financial year, ADB will continue its growth momentum, improving asset quality, expanding our income streams, enhancing operational efficiency, and strengthening the foundation to achieve our long-term strategic objectives,” he assured.
He also expressed deep appreciation to the staff, describing them as the “driving force” behind the Bank’s turnaround and praising their resilience and embrace of a new performance-oriented culture.
“Our people have shown exceptional commitment to our transformation journey. Their efforts are key to ADB’s success,” he noted, adding that the Bank is engaging shareholders on progressive plans to recapitalize.
As part of its renewed corporate direction, ADB has unveiled a fresh brand tagline, “Beyond Banking…” symbolizing its mission to redefine banking, empower businesses, build futures, drive prosperity, and nurture communities.
With this solid third-quarter performance, ADB has once again demonstrated that its comeback story is not by chance but by strategy, discipline, and a clear vision for sustainable growth.
