Ghana's savings and loans industry recorded a combined profit of GH¢515.32 million in 2025, marking a significant turnaround for the sub-sector after a period of financial strain.
The figures, drawn from the Bank of Ghana's 2025 Annual Report and Financial Statement, show that the sector's capital adequacy ratio (CAR) improved to 3.5% by December 2025, up from a negative 0.6% at the end of 2024.
4% in 2025 due to evaporating currency gains, Ghana's savings and loans institutions appear to have navigated the headwinds more effectively.
While the CAR remains below the regulatory minimum, the shift from a capital deficit to a positive position signals stabilizing balance sheets across the industry.
Asset quality also showed signs of improvement, with non-performing loans (NPLs) declining to 11.8% by year-end.
This reduction in bad debt suggests that lenders are better managing credit risk, a critical factor for restoring investor confidence in the sector.
The profit recovery comes as the broader African banking landscape faces divergent trends; while Nigeria's largest lenders saw combined profits drop 16.4% in 2025 due to evaporating currency gains, Ghana's savings and loans institutions appear to have navigated the headwinds more effectively.