GEXIM Bank grows loan portfolio to GH¢1.56bn as equity hits GH¢2.1bn in 2025 – SIGA Report

The Ghana Export-Import Bank (GEXIM Bank) experienced significant growth in 2025, with its loan portfolio increasing from GH¢1.30 billion to GH¢1.56 billion. This growth was driven by the bank's focus on financing export-oriented businesses and strategic sectors of the Ghanaian economy. The bank's assets also grew by 6.72 percent, reaching GH¢2.48 billion. The increase in loans and assets resulted in improved capital adequacy, with the bank's capital adequacy ratio climbing to 75.3 percent from 53.7 percent in 2024.

Interest income for GEXIM Bank surged by 90.21 percent, rising from GH¢80.91 million in 2024 to GH¢153.90 million in 2025, primarily due to higher earnings on loans and financial placements. Funding costs fell sharply by 99.08 percent, from GH¢26.99 million to GH¢250,000, contributing to a remarkable 184.98 percent increase in net interest income, which reached GH¢153.65 million.

GEXIM Bank's total operating revenue amounted to GH¢898.04 million, supported by non-exchange revenue, despite lower fees, commission income, and a net trading loss.

The bank's profitability remained robust, with a profit before tax of GH¢467.56 million and a net profit of GH¢467.56 million for the year. However, some profit and return indicators declined compared to 2024. Net operating margin fell from 23.56 percent to 18.87 percent, return on assets decreased from 23.56 percent to 18.87 percent, and return on equity fell from 33.51 percent to 22.26 percent.

Despite these moderate declines, the bank's overall financial resilience and capacity to support future lending to Ghanaian businesses were reinforced.