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Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
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Access Bank (Ghana) (ACCESS) investor relations material
Access Bank (Ghana) Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary1 Aug, 2025
Executive summary
Net profit after tax for the six months ended June 2025 was GHS 304,349, down from GHS 361,616 year-over-year.
Total comprehensive income for the period was GHS 304,349, compared to GHS 361,616 in the prior year.
Earnings per share (basic & diluted) declined to 1.75 from 2.08 year-over-year.
Financial highlights
Net interest income rose to GHS 258,197 from GHS 220,356 year-over-year.
Net fee and commission income increased to GHS 417,461 from GHS 337,155 year-over-year.
Net trading income dropped to GHS 108,866 from GHS 195,136 year-over-year.
Total operating income reached GHS 831,976, up from GHS 788,883 year-over-year.
Profit before tax decreased to GHS 468,229 from GHS 556,332 year-over-year.
Key financial ratios and metrics
Capital adequacy ratio stood at 19.08% (down from 19.82% year-over-year).
Non-performing loans ratio was 3.41% (down from 3.26% year-over-year).
Liquid ratio was 91.53% (up from 63.69% year-over-year).
Explain the asset allocation shift from loans.
What drove the significant rise in liquid ratio?
Analyze the drop in net trading income.
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Next Access Bank (Ghana) earnings date
Q3 202531 Oct, 2025
Next Access Bank (Ghana) earnings date
Q3 202531 Oct, 2025
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