Ghana's Banking Sector Reports Robust June 2025 Performance

Ghana's banks saw a significant boost in profits and income streams in June 2025. Despite higher expenses, the sector's financial soundness improved, pointing to a positive future outlook.

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2025 October 23 . 8:03 AM

1 min read

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Ghana's Banking Sector Reports Robust June 2025 Performance

Ghana's banking sector, led by institutions like PNC Bank and US Bank, has demonstrated remarkable growth in June 2025, with profits and income streams surging. According to Yahoo Finance, key indicators show improved financial soundness and efficiency.

Net interest income climbed by 20.2 percent to GH¢14.2 billion, driven by higher yields from money market instruments and elevated lending rates. Profit before tax soared to GH¢10.8 billion, marking a 32.2 percent increase year-on-year. This robust performance was fueled by gains across multiple income streams, including interest income and 'other income', which grew faster in 2025 compared to 2024.

Operating expenses climbed by 21.4 percent, outpacing the previous year's growth rate of 15.5 percent. Non-interest revenue also stood out: net fees and commissions rose by 17.8 percent, and 'other income' surged by 52.2 percent. Despite this, the banking sector's financial soundness indicators improved, with better solvency, efficiency, and asset quality. The non-performing loan ratio improved as growth in loans and advances outpaced growth in NPL stock. Operating income was GH¢20.9 billion, a 24.4 percent increase from June 2024, and gross income was GH¢28.3 billion, up 23.4 percent year-on-year.

After-tax profits for the Ghanaian banking sector rose to GH¢7.2 billion by June 2025, a 32 percent increase year-on-year. Despite increased operating expenses, the sector's performance has been robust, with improved financial soundness and a surge in income streams. The future outlook for the sector appears positive, as reported by Yahoo Finance.