Ghana’s biggest bank in terms of assets,Ecobank Ghana PLC has recorded a profit after tax of GH₵433,701,000 for the first quarter of the 2026 financial year ending March 31,2026 – a 33.80% surge from the GH₵324,140,000 recorded in the same period in the 2025 financial year.
In its later financial report for the first quarter of the 2026 financial year ending March 31,2026, it was revealed that the total operating expenses for the period fell sharply by GH₵249,810,000 from the GH₵ 671,137,000 recorded in the same period for the 2025 financial period with the biggest driver of expense for the period being personnel expenses which accounted for 47.24% of the total expenses.
The total operating income for the period also decreased from the GH₵ 1,169,814,000 recorded in same period in 2025 to GH₵ 1,110,160,00 representing a 5.1%decline in income.
The Bank’s statement of financial position also revealed a growth in assets by approximately GH₵4.95 billion, from GH₵45,842,665,000 to GH₵50,797,630,000. This was driven largely by by growth in loans and advances to customers which rose from GH₵10,316,580,000 to GH₵13,080,722,000. The total deposits from customers also expanded from GH₵32,521,985,000 to GH₵35,809,935,000.
On liabilities and equity,Ecobank Ghana’s equity base grew nearly four times faster than its liabilities signalling a significantly stronger and more resilient balance sheet position compared to the prior year.
The bank’s key prudential indicators also improved over the period. Capital Adequacy Ratio rose from 16.80% to 20.50%, comfortably above the regulatory minimum, while the liquidity ratio stood at 95.19% compared to 88.22% in the prior period.
The non-performing loan ratio declined from 24.01% to 20.50% — suggesting meaningful progress in resolving problem loans
The Common Equity Tier 1 ratio — a key measure of a bank’s core financial strength — improved from 14.04% to 18.50%, indicating a significantly stronger capital base.
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