Republic Bank Ghana PLC has reported a strong financial performance for the 2025 financial year, 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 for the year ended December 31, 2025, profit attributable to controlling equity holders rose to GH¢276.90 million, compared to GH¢201.87 million in the previous year.
The growth was largely driven by improved income performance. Net interest income climbed to GH¢754.45 million in 2025 from GH¢650.15 million in 2024, supported by interest income of GH¢1.29 billion, which offset interest expenses of GH¢532.41 million. Net fee and commission income also increased to GH¢167.71 million from GH¢143.49 million, while net trading income rose to GH¢55.63 million from GH¢49.92 million.
As a result, total operating income expanded significantly to GH¢1.05 billion in 2025, up from GH¢869.17 million the previous year.
Despite the strong revenue growth, operating costs also went up. Personnel expenses increased to GH¢311.93 million from GH¢283.41 million, while other operating expenses rose to GH¢213.65 million from GH¢179.29 million. However, net impairment losses on financial assets declined to GH¢20.70 million from GH¢31.61 million, reflecting improvements in asset quality.
The Bank’s balance sheet recorded notable expansion during the period. Total assets grew by 28.6 per cent to GH¢12.34 billion at the end of December 2025, compared to GH¢9.59 billion a year earlier. Customer deposits surged to GH¢8.29 billion from GH¢6.06 billion, while loans and advances to customers increased to GH¢3.46 billion from GH¢3.05 billion.
Total liabilities stood at GH¢10.99 billion, up from GH¢8.54 billion in 2024. Meanwhile, total equity attributable to shareholders rose to GH¢1.31 billion from GH¢1.04 billion, with retained earnings closing the year at GH¢237.99 million.
Key financial soundness indicators also improved. The Bank’s Capital Adequacy Ratio (CAR) strengthened to 20.15 per cent in 2025 from 18.20 per cent in 2024, remaining comfortably above the regulatory minimum requirement. The Non-Performing Loan (NPL) ratio declined to 14.15 per cent from 15.64 per cent year-on-year, while the liquidity ratio stood at 114.42 per cent compared to 116.48 per cent in 2024. 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 year under review.
On cash flow, net cash generated from operating activities amounted to GH¢195.09 million, down from 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 of Directors 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.
