Access Bank (Ghana) (ACCESS) Q3 2025 earnings summary

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.