Access Bank (Ghana) (ACCESS) Q2 2025 earnings summary

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).