Financial Highlights
£7.1 M
Profit Before Tax
Post Tax Return on Equity
£1.185 M
Total Assets
3.1%
Performance Highlights
Ghana International Bank delivered strong financial performance in 2025, reflecting continued progress in executing its strategic objectives and strengthening its core trade finance business.
Profit before tax increased to £7.1 million, continuing the bank’s recovery and growth from £5.8 million in 2024 and £4.3 million in 2023. This improvement reflects stronger operating performance and expanding business activity.
The Bank’s total assets grew to £1,185 million, up from £1,096 million in 2024, demonstrating continued balance sheet growth and increased financial capacity to support clients and trade finance activities.
Post-tax return on equity improved to 3.1%, compared with 2.5% in 2024, indicating stronger profitability and improved returns generated from shareholder capital.
The Bank maintained a strong liquidity position, with a Liquidity Coverage Ratio of 213%, remaining significantly above regulatory requirements and ensuring the Bank’s ability to meet short-term obligations.
Capital strength also remained solid, with a Capital Adequacy Ratio of 21.5%, supporting the Bank’s continued stability and resilience while providing a strong foundation for future growth.
213%
Liquidity Coverage
21.5%
Capital Adequacy
Executive Statements
Strengthening Foundations For Sustainable Growth
Dean Adansi, Chief Executive Officer
Building Resilient Growth Across African Markets
Dr. Johnson P. Asiama, Chairman
Looking Ahead
As global trade continues to evolve, Ghana International Bank remains focused on supporting sustainable trade flows between Africa and international markets. The Bank will continue strengthening its capabilities in trade finance while advancing its strategy of diversifying across key markets in Sub-Saharan Africa and expanding solutions that support both traditional trade corridors and growing intra-Africa trade.
GHIB will also continue to optimize its funding structure through partnerships with international financial institutions and explore opportunities to expand its participation in export-driven sectors across its core markets. The Bank believes its role as a clearing bank and innovative structured trade finance provider will remain central to supporting economic growth across these markets.
Through ongoing industry engagement and initiatives such as GHIB Converge, the Bank will continue contributing to important discussions shaping the future of African trade and finance while building a strong and resilient institution for the years ahead.
Key Downloads
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2025 GHIB Financial Statements ⬇
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2025 GHIB Strategic Report ⬇
Ghana International Bank plc Financial Results 2025
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