CBG’s assets rise to GH¢17.86bn as deposits, revenue and equity grow in 2025 – SIGA Report

Consolidated Bank Ghana Limited (CBG) witnessed a robust 2025, expanding its total assets by 7.33 percent and enhancing its customer deposits, operating revenue and shareholders' equity, according to the 2025 State Ownership Report. The wholly state-owned bank's total assets grew to GH¢17.86 billion, driven by higher investment securities and a decline in loan portfolio.

Customer deposits increased by 11.89 percent, reaching GH¢14.53 billion, bolstering CBG's funding base and liquidity. The investment securities rose by 19.58 percent, amounting to GH¢12.34 billion. CBG's interest income rose by 7.56 percent, to GH¢2.22 billion, while funding costs declined by 5.60 percent to GH¢870.57 million. This led to an 18.18 percent increase in net interest income to GH¢1.35 billion and a 60.81 percent improvement in the spread margin.

Net operating income increased by 8.43 percent to GH¢1.71 billion. Despite a strong liquidity position, gross loans and advances declined by 26.11 percent to GH¢1.52 billion, indicating a cautious lending strategy amid heightened credit risk. CBG's shareholders' equity grew by 15.65 percent, to GH¢1.50 billion, supported by profit, a GH¢198 million deposit for shares and growth in statutory reserves.

The bank's equity multiplier improved, and its debt-to-assets ratio remained stable. However, CBG recorded lower profitability due to increased impairment charges and personnel expenses, resulting in a net profit margin of 0.43 percent and a return on equity of 0.49 percent. The bank undertook various social and environmental initiatives in 2025, including a design and skills program for underprivileged youth, donating books to schools, renovating a primary school library, supporting corrective surgeries, and implementing energy-efficient measures.