Diella Teku
Republic Bank (Ghana) PLC reported unaudited group profits of GHS 128.986 million for the first half of 2025, a 44.6% year-over-year surge driven by robust net interest income growth (15.1%) and lower impairment losses. Key financials show:
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Revenue Momentum: Net interest income hit GHS 357.4 million (up 15.1% YoY), while operating income reached GHS 494.4 million.
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Asset Quality: Impairment losses halved to GHS 12 million, though non-performing loans remained elevated at 16.92%.
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Capital Resilience: Capital Adequacy Ratio strengthened to 18.89% (vs. 15.44% in 2024), with total equity rising to GHS 1.185 billion.
The bank reduced borrowings by GHS 299.9 million but saw a net operating cash outflow of GHS 23.1 million, contrasting with 2024’s GHS 907.6 million inflow. Liquidity coverage stayed robust at 121.23%.
Risks & Governance:
Management highlighted exposure to credit, operational, and market risks, mitigated through board-approved frameworks. No statutory liquidity defaults occurred.
The performance aligns with broader banking sector gains under President John Mahama’s NDC administration, as reflected in the GSE Financial Index’s 41.8% YTD surge.