Access Bank (Ghana) (ACCESS) investor relations material

Executive summary

• Profit after tax for the period ended Sep 30, 2026 was GHS 367,086 thousand, down from GHS 442,651 thousand in the prior-year period; EPS fell to GHS 2.11 from GHS 2.54.

• Total assets were GHS 20,509,091 thousand versus GHS 19,404,182 thousand at Sep 30, 2025; customer loans and advances rose to GHS 5,495,994 thousand from GHS 3,591,249 thousand.

Financial highlights

• Total operating income was GHS 1,096,184 thousand, down from GHS 1,224,917 thousand; profit before tax was GHS 564,748 thousand versus GHS 680,995 thousand.

• Net interest income rose to GHS 508,049 thousand from GHS 437,571 thousand, while net fee and commission income declined to GHS 349,865 thousand from GHS 409,996 thousand.

• Net trading income was GHS 204,458 thousand versus GHS 332,334 thousand; net impairment loss on financial assets was GHS 13,969 thousand versus GHS 18,821 thousand.

• Personnel expenses were GHS 243,160 thousand versus GHS 237,236 thousand; depreciation and amortization was GHS 61,652 thousand versus GHS 82,665 thousand.

Key financial ratios and metrics

• Capital adequacy ratio was 16.35% at Sep 2026 versus 16.87% at Sep 2025.

• Non-performing loans were 4.51% versus 3.94%; liquid ratio was 69.62% versus 78.10%.

• Basic and diluted EPS was GHS 2.11 for Sep 2026 versus GHS 2.54 for Sep 2025.