Banks’ pre-tax profit jumps 40% to GH¢23bn

Ghana's banking sector experienced a significant boost in profitability in 2025, with pre-tax profit (PBT) rising by 40% to GH¢23 billion, according to the PwC Ghana Banking Survey 2026. This growth was driven by higher investment income, stronger net trading income, and a sharp reduction in net impairment losses. Investment income increased by 45.2% to GH¢7.8 billion, supported by a 57.6% rise in the volume of investment securities held by banks and a directive from the Bank of Ghana requiring banks to maintain reserves in the same currency as the underlying deposits.

Net trading income also saw a significant increase of 43.5% to GH¢2.4 billion, largely due to foreign exchange translation and transaction gains. Despite a 26.5% rise in operating expenses, the increased income allowed banks to maintain a higher PBT margin of 52.2%, up from 46.3% in 2024.

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