Access Bank (Ghana) (ACCESS) Q2 2026 earnings summary

Executive summary

• Net profit for the period ended June 30, 2026, was GHS 274,442,000, down from GHS 304,349,000 year-over-year.

• Total comprehensive income for the period was GHS 274,442,000, compared to GHS 304,349,000 in the prior year.

• Earnings per share (basic & diluted) stood at 1.58, compared to 1.75 for the same period last year.

Financial highlights

• Interest income decreased to GHS 626,788,000 from GHS 740,558,000 year-over-year.

• Net interest income rose to GHS 326,415,000 from GHS 258,197,000 year-over-year.

• Total operating income was GHS 778,442,000, down from GHS 831,976,000 year-over-year.

• Profit before tax was GHS 422,218,000, compared to GHS 468,229,000 in the prior year.

• Cash and cash equivalents at period end were GHS 4,398,016,000, down from GHS 6,087,345,000 year-over-year.

Outlook and guidance

• The risk management framework and processes remain consistent with the previous year, focusing on credit, operational, market, liquidity, legal, compliance, strategic, reputational, and capital risks.