Access Bank (Ghana) (ACCESS) Q4 2025 earnings summary

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.