Fidelity Bank Ghana posts record GHS 1.46bn profit in 2025

–Expands lending and digital growth

Fidelity Bank Ghana has reported a strong financial performance for the 2025 financial year, posting record profitability, robust balance sheet growth, and significant progress in its digital transformation agenda.

Speaking at the Bank’s 2026 Annual General Meeting (AGM), Board Chairman, James Reynolds Baiden, described the results as an outstanding achievement delivered amid improving macroeconomic conditions and persistent global uncertainties.

According to the Bank, Profit Before Tax rose by 21 percent to GHS 1.46 billion in 2025, compared to GHS 1.21 billion recorded in the previous year. Operating income also increased by 14 percent, growing from GHS 2.34 billion to GHS 2.68 billion, supported by growth across both funded and non-funded income streams.

Baiden attributed the performance to disciplined strategy execution, resilient operations, and sustained customer confidence, noting that the Bank successfully navigated market challenges while maintaining a strong focus on profitability, revenue growth, and digital innovation.

The Bank’s balance sheet continued to strengthen during the year, with total assets increasing by 17 percent to GHS 25.98 billion. Wholesale and customer funding liabilities also rose by 13 percent to GHS 21.68 billion, reflecting growing market share across corporate and retail banking segments.

Lending emerged as one of the Bank’s strongest growth drivers. Gross loans and advances surged by 51 percent from GHS 3.14 billion in 2024 to GHS 4.74 billion in 2025, underscoring Fidelity Bank’s commitment to supporting businesses, SMEs, retail customers, and emerging sectors of the Ghanaian economy.

Managing Director, Julian Opuni, said the Bank’s growth was driven by disciplined execution, strategic expansion, and sustained investments in innovation.

He noted that Fidelity Bank accelerated its transformation agenda through investments in technology, automation, analytics, and customer-centric digital platforms designed to deliver seamless and personalized banking experiences.

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The Bank also maintained a high-quality loan portfolio, recording a Non-Performing Loan (NPL) ratio of 7.09 percent, significantly below the industry average of 18.9 percent. Management attributed the improvement to proactive risk management and strong credit discipline.

Following approval from the Bank of Ghana, shareholders approved a dividend payment of GHS 11.20 per share.

Beyond financial performance, Fidelity Bank strengthened its sustainability commitments during the year, deploying more than GHS 170 million in financing to support green businesses and climate-smart initiatives. The Bank also advanced programmes including the GreenTech Innovation Challenge and Orange Inspire Creative Challenge, while its Waste-to-Cash initiative recycled 14.7 tonnes of paper.

Its corporate social responsibility programmes impacted more than 40,000 people across 10 regions in Ghana, further reinforcing its commitment to inclusive development.

The Bank’s achievements earned several prestigious recognitions in 2025, including Best Private Bank in Ghana by Euromoney, Best SME & ESG Bank in Ghana by Global Banking & Finance Awards, Bank of the Year at the Ghana Business Awards, and Ghana’s Best Bank for ESG at the Euromoney Awards for Excellence.