UBA delivers strong 148% profit growth in 2025

UBA Ghana Ltd has reported an outstanding financial performance for the year ended December 31, 2025, recording significant growth across all key indicators and reinforcing its position as one of Ghana’s most resilient and high-performing banks.

According to the Bank’s 2025 Annual Report, profit before tax surged by 148% to GH¢629.93 million, up from GH¢253.58 million in 2024, while profit after tax rose strongly to GH¢407.10 million from GH¢164.31 million in the previous year. The impressive growth was driven by robust revenue expansion, improved operational efficiency, and disciplined balance sheet management despite a challenging macroeconomic environment.

Gross earnings increased to GH¢1.46 billion, supported by growth in interest-earning assets and increased customer activity. Interest income rose by 8.6% to GH¢1.13 billion, while income from fees and commissions recorded a strong 38% increase, reflecting enhanced transaction volumes and deepening customer engagement. The Bank also expanded its loan book, with net loans growing to GH¢1.28 billion, further supporting business and economic activity.

UBA Ghana’s balance sheet remained solid, with total assets rising by 17% to GH¢11.54 billion, up from GH¢9.85 billion in 2024. Customer deposits grew by an impressive 18% to GH¢8.59 billion, underscoring sustained customer confidence in the Bank’s stability, service delivery, and value proposition.

Commenting on the results, the Managing Director/CEO Bernard Gyebi highlighted that the performance reflects disciplined execution of strategy, strong customer engagement, and prudent risk management, positioning the Bank for sustained growth. He noted that UBA Ghana continues to focus on delivering value to stakeholders while supporting Ghana’s economic development.

He commended the staff for their productivity and drive to support customers in delivering exceptional customer experience and satisfaction.

He commended the Bank’s resilience, noting that UBA Ghana successfully navigated a complex operating environment marked by macroeconomic adjustments and evolving regulatory demands. Through strong governance, and strategic oversight, the Bank maintained momentum across key business segments.

Bernard Gyebi noted that, UBA Ghana is poised to build on its strong 2025 performance by deepening its digital transformation agenda, expanding its footprint, and enhancing customer-centric solutions. The Bank also plans to strengthen its focus on sustainability, financial inclusion, and operational resilience as it continues to deliver long-term value.

With a solid financial foundation, strong governance framework, and a clear strategic direction, UBA Ghana remains well positioned to capitalize on emerging opportunities and drive sustainable growth in 2026 and beyond.

Source: The Business & Financial Times