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Access Bank (Ghana)
Access Bank (Ghana) (ACCESS) investor relations material
Access Bank (Ghana) Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary30 Apr, 2026
Executive summary
Net profit after tax for the year ended 31 December 2025 was GHS 286.5 million, down from GHS 536.9 million in 2024, reflecting a significant year-over-year decline.
Total assets increased to GHS 19.0 billion at year-end 2025 from GHS 16.6 billion in 2024, indicating strong balance sheet growth.
The bank maintained a network of 51 branches and 6 agencies as of the reporting date.
Financial highlights
Net interest income for 2025 was GHS 777.4 million, compared to GHS 842.1 million in 2024.
Fee and commission income rose to GHS 379.0 million in 2025 from GHS 329.4 million in 2024.
Net trading income increased to GHS 383.3 million in 2025 from GHS 226.9 million in 2024.
Profit before tax dropped to GHS 286.5 million in 2025 from GHS 536.9 million in 2024.
Earnings per share (basic and diluted) were 32.16 pesewas in 2025, up slightly from 31.24 pesewas in 2024.
Outlook and guidance
Directors assessed the bank as a going concern, with no indication that operations will not continue.
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Latest events from Access Bank (Ghana)
- Profit after tax and net interest income fell, but assets and deposits increased year-over-year.ACCESS
Q1 20264 May 2026 - AGM approved all motions, focused on sustainability, digitalization, and governance alignment.ACCESSAGM 20243 Feb 2026
- Profit after tax declined despite higher net interest income and asset growth.ACCESSQ3 20252 Dec 2025
- Net profit fell to GHS 536.9m as operating income rose and asset quality improved.ACCESSQ4 202430 Sep 2025
- Profit after tax and total assets rose, with strong deposit growth and higher EPS.ACCESSQ2 202430 Sep 2025
- Net profit surged 19%, assets grew 48%, and capital adequacy remains robust at 18.29%.ACCESSQ3 202430 Sep 2025
- Strong asset and deposit growth, stable profits, and improved loan quality in Q1 2025.ACCESSQ1 202530 Sep 2025
- Net profit fell year-over-year, but capital adequacy and liquidity ratios remained robust.ACCESSQ2 20254 Aug 2025
Next Access Bank (Ghana) earnings date
Q2 202629 Jul, 2026
Access Bank (Ghana)
Next Access Bank (Ghana) earnings date
Q2 202629 Jul, 2026
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Eferix Drawings Google Play
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Amina0781App Store
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@theshortbearx.com
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