Zenith Bank Ghana profit after tax reached GHS997.7 million in 2025

Zenith Bank Ghana recorded a significant profit after tax of GHS997.7 million in 2025. This nearly doubles the 2024 profit of GHS452.0 million, showing a 121% increase. This strong growth came from higher core banking income and better operating efficiency.

Net interest income grew to GHS1.57 billion. This was supported by interest income reaching GHS2.65 billion. This shows the bank earned more from its lending activities. Non-interest income also helped, with fees and commissions at GHS401.3 million. Overall operating income increased to GHS2.39 billion.

Operating costs were high. Personnel expenses were GHS317.4 million, and other operating expenses were GHS342.7 million. Despite this, profit before tax was GHS1.52 billion. Impairment charges for bad loans increased to GHS140.4 million, reflecting careful lending due to economic changes.

The bank's total assets reached GHS26.7 billion. Loans to customers stood at GHS7.21 billion. Customer deposits were GHS20.8 billion, a main source of funds. The capital adequacy ratio was 24.1%, which is above regulatory limits. Liquidity was strong at 84%.

However, the quality of assets declined. Non-performing loans (loans not being paid back) rose from 1% in 2024 to 8.5% in 2025. The bank's equity base, its own money, grew to GHS3.05 billion. The board chose not to pay dividends to shareholders. Instead, profits were kept to fund future growth.