Ecobank Ghana has recorded a significant growth in its total assets, with a GH¢968 million increase between Q3 2024 and Q3 2025.
The growth is attributed to the bank's increased cash holdings and customer lending activities.
Ecobank Ghana's financial results show a steady growth in total assets, reaching approximately GH¢50 billion in Q3 2025, up from GH¢48.9 billion in Q3 2024.
This growth is primarily attributed to a significant increase in cash and cash equivalents, which stood at GH¢19.8 billion, and a rise in loans and advances to customers, which reached GH¢12.1 billion.
Performance
The bank’s financial performance shows improvement in its non-trading assets, which grew to GH¢10.2 billion from GH¢9.4 billion in the previous year.
As of Q3 2025, Ecobank Ghana's total liabilities stood at GH¢ 43.1 billion, reflecting a modest increase from GH¢ 42.3 billion in the same period the previous year.
The growth in Ecobank Ghana's liabilities was largely fuelled by customer deposits, which increased to GH¢ 34.5 billion in Q3 2025, representing a rise from GH¢ 33.6 billion in the prior year.
The bank maintained a solid capital base, with shareholders' equity holding steady at GH¢6.7 billion, calculated as the difference between total assets and liabilities.
Ecobank Ghana recorded a consistent earnings growth, with total comprehensive income rising to GH¢1.4 billion at the end of Q3 2025, compared to GH¢1.3 billion in the same period the previous year.
Capital adequacy
As of Q3 2025, Ecobank Ghana's Capital Adequacy Ratio (CAR) stood at 15.18 per cent, significantly above the Bank of Ghana's 13 per cent regulatory threshold.
This represents a notable improvement from 13.03 per cent in Q3 2024, highlighting the bank's enhanced financial soundness and strengthened capital buffer.
Asset quality challenges emerged, however, as Ecobank Ghana's non-performing loans (NPL) ratio increased to 20.96 per cent as of Q3 2025, up from 17.34 per cent in Q3 2024.
NPLs
With an NPL ratio of 20.96 per cent, Ecobank Ghana is just above the industry average of 20.8 per cent, underscoring the continued credit risk concerns facing the banking sector.
Ecobank Ghana's third-quarter performance demonstrates a solid balance sheet expansion, enhanced capital adequacy, and maintained profitability, set against a backdrop of industry-wide asset quality pressures.
loans and advances to customers, which reached GH¢12.1 billion.
Performance
The bank’s financial performance shows improvement in its non-trading assets, which grew to GH¢10.2 billion from GH¢9.4 billion in the previous year.
As of Q3 2025, Ecobank Ghana's total liabilities stood at GH¢ 43.1 billion, reflecting a modest increase from GH¢ 42.3 billion in the same period the previous year.
The growth in Ecobank Ghana's liabilities was largely fuelled by customer deposits, which increased to GH¢ 34.5 billion in Q3 2025, representing a rise from GH¢ 33.6 billion in the prior year.
The bank maintained a solid capital base, with shareholders' equity holding steady at GH¢6.7 billion, calculated as the difference between total assets and liabilities.
Ecobank Ghana recorded a consistent earnings growth, with total comprehensive income rising to GH¢1.4 billion at the end of Q3 2025, compared to GH¢1.3 billion in the same period the previous year.