First Atlantic Bank records GHS952.7m net interest income
First Atlantic Bank announced a significant increase in net interest income, reaching GHS952.7 million in 2025. This 67.1% rise helped strengthen the bank's balance sheet. Total assets grew by 44% to GHS19.2 billion, and customer deposits increased by 43.3% to GHS16.6 billion. The bank also maintained strong capital buffers, with a Capital Adequacy Ratio of 20.6%.
First Atlantic Bank reported strong financial performance in 2025. The bank's net interest income rose by 67.1% to GHS952.7 million. This growth was due to careful asset allocation and better revenue collection.
The bank also managed its costs well. Its cost-to-income ratio was 39.9%. This is below the industry average of 48.8%. This shows improved operational efficiency.
First Atlantic Bank's balance sheet showed strength and growth. Total assets increased by 44% to GHS19.2 billion in 2025 from GHS13.3 billion in 2024. Customer deposits also grew. They rose by 43.3% year-on-year to GHS16.6 billion.
The bank's capital position remained strong. Its Capital Adequacy Ratio was 20.6%. This is above the required minimum of 13%. Being listed on the Ghana Stock Exchange has also helped the bank's capital base.
Source: StatsGH — Ghana's data-driven news platform