Republic Bank Ghana has reported a solid financial performance for the second quarter of 2025, posting a profit of GH₵112.9 million—a 27.6% increase over the GH₵88.5 million recorded in the same period last year.
The profit growth of GH₵24.4 million was largely driven by higher operating income, which rose from GH₵374.4 million in the second quarter of 2024 to GH₵433.2 million in the second quarter of 2025.
A key driver of this improvement was the increase in interest income, which grew by GH₵41.4 million year-on-year to reach GH₵334.1 million.
Asset base expands beyond GH₵9bn
The bank’s balance sheet also showed healthy growth, with total assets climbing to GH₵9.26 billion in the second quarter of 2025, up from GH₵8.62 billion in the same period last year.
This 7.4% increase was underpinned by expansions across key asset lines, including cash and cash equivalents, which stood at GH₵4.18 billion; investment securities, which reached GH₵1.42 billion; and loans and advances, which rose to GH₵2.91 billion.
The growth signals strong business activity and improved liquidity management, as the bank continues to deepen its presence in the Ghanaian banking space.
Liabilities and deposits continue upward climb
On the liabilities side, Republic Bank Ghana recorded total obligations of GH₵8.17 billion as of June 2025, compared to GH₵7.74 billion a year earlier.
The increase reflects growing customer confidence, as evidenced by a rise in deposits to GH₵6.03 billion, as well as an uptick in borrowings to GH₵1.43 billion.
Shareholders’ equity surges to over GH₵1 billion
Total equity attributable to shareholders rose from GH₵880.4 million in the second quarter of 2024 to GH₵1.09 billion in the second quarter of 2025, underscoring the bank’s improving financial strength and profitability.
The increase is likely driven by retained earnings and improved investor confidence.
Asset quality and capital buffer strengthen
Republic Bank Ghana also made gains in asset quality. Its non-performing loans (NPL) ratio declined slightly from 17.5% to 16.92%, a modest yet encouraging improvement in loan book performance.
More notably, the bank’s capital adequacy ratio (CAR)—a key measure of its ability to absorb losses—improved sharply from 15.44% to 18.89%, well above the regulatory minimum.
This signals the bank’s enhanced resilience in the face of economic shocks.
Liquidity remains strong
The bank also maintained a strong liquidity position, with a liquidity ratio of 121% as at the end of the second quarter 2025.
This indicates robust capacity to meet short-term obligations and manage potential funding pressures.
Growth momentum continues
Republic Bank Ghana’s second quarter results reflect continued growth momentum amid a stabilising macroeconomic environment.
With rising profits, expanding assets, stronger capital buffers, and improving asset quality, the bank appears well-positioned to sustain its upward trajectory through the rest of 2025.
