ADB Asset Value Rises to GHS 16.2bn; Profit-after-tax Jumps to GHS 282m in Q3 2025
The Agricultural Development Bank (ADB) recorded a notable increase in its total assets value by GHS 2.35 billion between the third quarter of 2024 and the third quarter of 2025, according to the bank’s latest financial statements.
Per the 2025 third quarter financial results, ADB’s total assets rose from GHS 13.8 billion in Q3 2024 to GHS 16.2 billion in Q3 2025.
The growth in assets was primarily driven by increases in cash and cash equivalents, as well as net investment securities, which stood at GHS 6.46 billion and GHS 6.44 billion respectively, as of end-Q3 2025.
Liabilities of the bank during the same period increased from GHS 12.41 billion to GHS 14.66 billion, driven largely by higher customer deposits, which rose to GHS 12.85 billion from GHS 11.14 billion in Q3 2024.
Increment in deposits by customers is expected to lead to increased lending capacity by the bank to businesses and households.
The difference between the bank’s total assets and liabilities places shareholders’ equity at GHS 1.56 billion as of end-September 2025.
ADB’s profit-after-tax improved significantly, rising to GHS 282 million at end-Q3 2025 from GHS 111 million recorded in the corresponding period of 2024, resulting in earnings per share of 17 pesewas.
Liquid ratio of the bank at end-Q3 2025 stood at 130%, an improvement from the 125% recorded same period last year.
The 130% liquid ratio of the bank indicates that ADB is capable of settling its short-term debts using its liquid assets.
