{
  "id": 4656738,
  "title": "CBG’s assets rise to GH¢17.86bn as deposits, revenue and equity grow in 2025 – SIGA Report",
  "url": "https://urgent.news/2026/08/31/cbgs-assets-rise-to-gh-17-86bn-as-deposits-revenue-and-equity-grow-in-4656738",
  "topic": "finance",
  "section": "Finance & Markets",
  "published": "2026-08-31T14:15:53.000Z",
  "source": {
    "name": "MyJoyOnline Ghana",
    "slug": "myjoyonline-ghana",
    "url": "https://www.myjoyonline.com/cbgs-assets-rise-to-gh%c2%a217-86bn-as-deposits-revenue-and-equity-grow-in-2025-siga-report/"
  },
  "original_language": "en",
  "account": "Consolidated Bank Ghana Limited (CBG) witnessed a rise in its total assets to GH¢17.86 billion in 2025, up 7.33 percent from GH¢16.64 billion in the previous year, as reported in the 2025 State Ownership Report. The expansion was attributed to higher investment securities and customer deposits, which offset a decline in the loan portfolio. The bank's customer deposits surged by 11.89 percent, reaching GH¢14.53 billion, compared to GH¢12.99 billion in 2024. Investment securities grew by 19.58 percent to GH¢12.34 billion, while cash and cash equivalents reached GH¢4.93 billion, up from GH¢3.89 billion in 2024. Interest income climbed by 7.56 percent, from GH¢2.07 billion to GH¢2.22 billion, while the funding costs fell by 5.60 percent to GH¢870.57 million. These changes led to an 18.18 percent increase in net interest income to GH¢1.35 billion and an improvement in the spread margin from 55.35 percent to 60.81 percent. Net operating income grew by 8.43 percent to GH¢1.71 billion. The bank maintained a robust liquidity position, with a liquid assets-to-total assets ratio of 90.87 percent and a liquid assets-to-customer deposits ratio of 111.68 percent. The quality of the loan portfolio improved, with the gross non-performing loan ratio dropping from 15.03 percent to 12.50 percent. However, gross loans and advances declined by 26.11 percent to GH¢1.52 billion, reflecting a cautious lending strategy amid heightened credit risk. The ratio of loans to customer deposits fell from 15.84 percent to 10.46 percent. Shareholders' equity increased by 15.65 percent, from GH¢1.29 billion to GH¢1.50 billion, supported by profits, a GH¢198 million deposit for shares, and growth in statutory reserves. The equity multiplier improved from 12.85 times to 11.93 times, indicating a modest reduction in financial leverage, while the debt-to-assets ratio remained stable at 0.92 times. Despite the gains, CBG experienced lower profitability due to higher impairment charges and personnel expenses. Impairment losses on financial assets rose to GH¢308.76 million, while personnel expenses increased by 13.61 percent to GH¢819.94 million. Retained losses remained high at GH¢1.93 billion, which constrained the bank's ability to generate capital internally. The report highlighted the importance of restoring stronger profitability for the bank's future growth. CBG also engaged in numerous social and environmental initiatives in 2025, including a design and skills program for young people, donating books to schools, renovating a primary school library, supporting corrective surgery, donating office furniture to the Ghana Police Service, and implementing various environmental sustainability measures.",
  "summary": "Consolidated Bank Ghana Limited (CBG) strengthened its financial position in 2025, recording growth in total assets, customer deposits, operating revenue and shareholders’ equity, according to the 2025 State Ownership Report.",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 2,
    "also_reported_by": [
      {
        "outlet": "MyJoyOnline Ghana",
        "title": "CPC’s revenue plunges 47% as net loss widens to GH¢144m — SIGA",
        "url": "https://urgent.news/2026/08/31/cpcs-revenue-plunges-47-as-net-loss-widens-to-gh-144m-siga",
        "published": "2026-08-31T14:07:34.000Z"
      }
    ]
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}