Republic Bank Posts GH¢287.9m Profit in 2025; CAR Strengthens to 20.15%
Republic Bank (Ghana) PLC recorded a profit after tax of GH¢287.94 million for the 2025 financial year, representing a 36.7 per cent increase over the GH¢210.68 million posted in 2024.
The Bank’s audited financial statements for the year ended December 31, 2025, show that profit attributable to controlling equity holders stood at GH¢276.90 million, up from GH¢201.87 million in the prior year.
Income performance
Net interest income rose to GH¢754.45 million in 2025 from GH¢650.15 million in 2024, underpinned by interest income of GH¢1.29 billion which offset interest expense of GH¢532.41 million.
Net fee and commission income climbed to GH¢167.71 million from GH¢143.49 million, while net trading income increased to GH¢55.63 million from GH¢49.92 million.
Overall operating income grew to GH¢1.05 billion in 2025, compared to GH¢869.17 million in 2024.
Despite the strong revenue growth, the Bank recorded higher personnel expenses of GH¢311.93 million, up from GH¢283.41 million, while other expenses also increased to GH¢213.65 million from GH¢179.29 million.
Net impairment losses on financial assets declined to GH¢20.70 million from GH¢31.61 million, reflecting some improvement in asset quality.
Balance sheet expansion
Total assets expanded by 28.6 per cent to GH¢12.34 billion at end-December 2025, from GH¢9.59 billion a year earlier.
Customer deposits rose significantly to GH¢8.29 billion from GH¢6.06 billion, while loans and advances to customers increased to GH¢3.46 billion from GH¢3.05 billion.
Total liabilities stood at GH¢10.99 billion, up from GH¢8.54 billion in 2024.
Total equity attributable to shareholders increased to GH¢1.31 billion from GH¢1.04 billion, with retained earnings closing the year at GH¢237.99 million.
Capital and asset quality indicators
The Bank’s Capital Adequacy Ratio (CAR) improved to 20.15 per cent in 2025, up from 18.20 per cent in 2024, remaining well above the regulatory minimum.
The Non-Performing Loan (NPL) ratio declined to 14.15 per cent from 15.64 per cent year-on-year, while the liquidity ratio stood at 114.42 per cent compared to 116.48 per cent in 2024.
The leverage ratio moderated to 7.15 per cent from 9.03 per cent.
The Bank reported no defaults in statutory liquidity requirements during the year under review.
Cash flow and dividends
Net cash generated from operating activities amounted to GH¢195.09 million, compared with GH¢392.00 million in 2024. Cash and cash equivalents closed the year at GH¢6.03 billion, up from GH¢4.47 billion.
The Directors of the bank have recommended a dividend of five Ghana pesewas (GHp 5) per share for approval by shareholders, subject to regulatory approval. No dividend was declared in 2024.
