ADB posts GH¢478.5m profit before tax, builds stronger capital and liquidity buffers
The Bank's profit after tax also increased by 6.9% to GH¢301.7 million, from GH¢282.3 million in September 2025, reflecting sustained profitability amid ongoing efforts to strengthen its financial position and operational resilience.
Agricultural Development Bank (ADB) PLC has reported a profit before tax (PBT) of GH¢478.5 million for the nine months ending September 30, 2026, marking a 7.53% increase from GH¢447.5 million in the same period in 2025. The Bank's profit after tax also rose by 6.9%, reaching GH¢301.7 million, from GH¢282.3 million in September 2025.
This financial growth is attributed to a 19.5% increase in customer deposits to GH¢15.36 billion, an improvement in key prudential indicators including Capital Adequacy Ratio (CAR) rising to 27.41% and liquidity ratio reaching 145.83%. ADB also noted a 36.1% reduction in interest expenses from GH¢565.4 million to GH¢361.3 million, despite a significant expansion in its customer deposit base.
Managing Director Mr. Edward Ato Sarpong highlighted the Bank's commitment to financial discipline, prudent management, and sustainable value creation, emphasizing its role as a trusted financial partner for Ghana's economy. The strong performance reflects ADB's transformation agenda and the progress made in building a financially resilient institution.
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