FNB Ghana records GHS106.8 million profit in 2025

FNB Ghana reported strong financial performance in 2025. The bank's profit after tax reached GHS106.8 million. This is a large increase from GHS18.2 million in 2024.

Key income areas grew significantly. Net interest income went up to GHS353.8 million from GHS248.1 million. Net fees and commission income rose to GHS77.2 million from GHS67.4 million. Net trading income increased to GHS180.9 million from GHS123.5 million. This shows the bank earned more money from different sources.

The bank's overall financial health also improved. Total assets grew to GHS6.48 billion from GHS6.18 billion. Customer deposits increased to GHS4.1 billion from GHS3.86 billion. This means more customers trust the bank with their money. Cash and cash equivalents also rose to GHS1.99 billion.

FNB Ghana reduced its borrowings to GHS271.8 million from GHS636.4 million. This makes the bank less reliant on external loans. Total equity increased to GHS1.00 billion from GHS537.7 million. The bank's capital adequacy ratio improved to 34.08% from 24.68%. This means the bank has a stronger buffer against financial shocks.

Asset quality showed improvement. Non-performing loans (NPLs) decreased to GHS168.8 million from GHS199.7 million. The NPL ratio improved to 12.21% from 13.54%. This indicates fewer bad loans and better credit management. Impairment losses on financial assets also fell to GHS7.3 million from GHS24.8 million.

Overall, FNB Ghana's 2025 results show stronger profitability, better capital, growing customer deposits, fewer bad loans, and less reliance on borrowings. This points to a more stable and resilient financial position for the bank.