Stanbic Bank posts 38% profit growth to GHS1.61 billion

Stanbic Bank Ghana recorded a profit after tax of GHS1.61 billion for the year ended December 2025. This is a 38.4% increase over the GHS1.16 billion reported in 2024. This performance shows stronger earnings in Ghana's banking sector.

Total net income for the bank rose to GHS4.46 billion, a 22.2% increase compared to the previous year. This growth came from both interest and non-interest income. Net interest income went up by 13% to GHS2.84 billion. Non-interest revenue grew even faster, surging by 42.4% to GHS1.63 billion. Trading revenue alone increased by 71% to GHS1.01 billion, showing more activity in financial markets.

A key factor in this profit growth was a big drop in credit impairment charges. These charges fell from GHS364 million in 2024 to GHS52 million. This means the bank’s loans are performing better, and there is less risk. The bank’s loan loss ratio improved from 4.57% to 1.35%. This shows better risk management.

Stanbic Bank’s total assets grew by 12.6% to GHS36.7 billion. Shareholders’ equity increased by almost 39% to GHS5.74 billion, helped by retained earnings. The bank achieved a return on equity of 32.6%. Its Capital Adequacy Ratio is 23.2%, which is well above what regulators require. These results indicate a stable banking operation with good growth potential.