Republic Bank Ghana’s Assets Rise to GHS 9.76bn in Q3 2025 on Strong Loan and Cash Growth
Republic Bank Ghana has posted an increase in total assets value by GHS 845 million between the third quarter of 2024 and the corresponding period in 2025, driven by growth in cash holdings and customer loans.
According to the bank’s 2025 third-quarter financial results, total assets rose from GHS 8.92 billion in Q3 2024 to GHS 9.76 billion in Q3 2025, reflecting improved liquidity and credit expansion.
Growth in Cash and Loans
The growth in the bank’s balance sheet was largely supported by an increase in cash and cash equivalents, which stood at GHS 4.02 billion, and loans and advances to customers, recorded at GHS 3.12 billion as of end-September 2025.
Value of the bank’s investment securities within the review period, however, decreased from GHS 1.80bn to GHS 230m.
Liabilities and Deposits Growth
Total liabilities for the period amounted to GHS 8.61 billion, up slightly from GHS 8.00 billion in Q3 2024.
The rise was driven mainly by growth in customer deposits, which increased to GHS 6.10 billion from GHS 5.87 billion a year earlier.
Shareholders’ equity for the period stood at GHS 1.15 billion, representing the difference between the bank’s total assets and liabilities.
Profitability and Capital Adequacy
Republic Bank recorded a total comprehensive profit of GHS 176 million at end-Q3 2025, reflecting a strong year-on-year improvement from GHS 128 million in Q3 2024.
The bank’s Capital Adequacy Ratio (CAR) stood at 16.75%, comfortably above the Bank of Ghana’s minimum regulatory requirement of 13%, and higher than the 15.59% recorded in the same period last year.
Asset Quality Remains Stable
Loan asset quality improved marginally, with the bank’s Non-Performing Loan (NPL) ratio declining from 16.51% in Q3 2024 to 16.49% in Q3 2025, remaining well below the industry average of approximately 21%.
Analysts say the steady improvement in profitability and capital buffers positions Republic Bank Ghana for stronger balance sheet resilience heading into the final quarter of the year.
