GTBank Ghana’s Assets Rise to GHS 19.1bn in Q3 2025 on Strong Loan and Cash Growth
Guaranty Trust Bank (GTBank) Ghana has reported a significant increase in its total assets, rising by GH¢4.27 billion between the third quarters of 2024 and 2025, driven by robust growth in cash holdings and loan advances.
According to the bank’s unaudited financial statements for the period ended September 2025, total assets grew from GH¢14.8 billion in Q3 2024 to GH¢19.1 billion in Q3 2025. The expansion was supported mainly by increases in cash and cash equivalents, which stood at GH¢6.4 billion, and loans and advances to customers, amounting to GH¢3.3 billion during the review period.
Investment securities also grew steadily, reaching GH¢7.06 billion from GH¢6.2 billion a year earlier, underscoring the bank’s strengthened liquidity and investment portfolio management.
On the liabilities side, GTBank’s obligations rose to GH¢16.3 billion in Q3 2025 from GH¢12.4 billion in Q3 2024. The increase was largely attributed to higher customer deposits, which climbed to GH¢15.9 billion, compared to GH¢12.1 billion recorded during the same period last year.
The difference between total assets and liabilities brought shareholders’ equity to GH¢2.8 billion at the end of September 2025, reflecting solid capitalization and retained earnings growth.
Profitability and Soundness Indicators
GTBank Ghana posted a profit of GH¢774 million for the third quarter of 2025, marking an improvement over the GH¢668 million profit recorded in the same period of 2024.
The bank’s Capital Adequacy Ratio (CAR) – a key measure of solvency – stood at 33.3% as of Q3 2025, well above the Bank of Ghana’s minimum regulatory requirement of 13% and an increase from 28.03% a year earlier.
Asset Quality
The bank also maintained strong asset quality, with its non-performing loan (NPL) ratio improving significantly to 1.63% in Q3 2025, down from 4.35% in Q3 2024. This performance remains far below the industry average NPL ratio of 20.8%, indicating prudent credit risk management and efficient loan recovery strategies.
GTBank’s Q3 2025 results reaffirm its position as one of Ghana’s most resilient and efficiently managed banks, with sustained profitability, strong liquidity, and solid capital buffers supporting its growth trajectory.
