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Access Bank (Ghana) (ACCESS) investor relations material
Access Bank (Ghana) Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary14 Nov, 2025
Executive summary
Net interest income rose to GHS 437.6m for the period ended September 2025, up from GHS 333.9m year-over-year.
Profit before tax was GHS 681.0m, down from GHS 837.6m in the prior year period.
Profit after tax reached GHS 442.7m, compared to GHS 544.5m for the same period last year.
Financial highlights
Interest income increased to GHS 1,160.3m from GHS 1,011.7m year-over-year.
Net fee and commission income declined to GHS 410.0m from GHS 569.6m year-over-year.
Total operating income was GHS 1,224.9m, slightly down from GHS 1,239.2m year-over-year.
Earnings per share (basic & diluted) was GHS 2.54, down from GHS 3.13 year-over-year.
Outlook and guidance
Risk management framework and processes remain consistent with the previous year, focusing on credit, operational, market, liquidity, legal, compliance, strategic, reputational, and capital risks.
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Next Access Bank (Ghana) earnings date
Q4 202527 Mar, 2026
Next Access Bank (Ghana) earnings date
Q4 202527 Mar, 2026
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