First Atlantic Bank PLC reported a robust set of 2025 financial results, underpinned by strong deposit growth, rising profitability, and balance sheet expansion, as the lender continues to build momentum following its recent listing on the Ghana Stock Exchange.
The bank has proposed a final dividend of GH¢0.29 per share, translating to a total payout of about GH¢100 million, subject to regulatory approval. This signals confidence in earnings sustainability and a commitment to delivering shareholder returns after a breakout financial year.
Profit climbs over 30% on operational efficiency
Profit before tax rose 30.5% year-on-year to GH¢703 million, driven by improved operational efficiency, revenue growth, and disciplined risk management. The performance reflects stronger core banking activity and increased earnings from interest-generating assets.
Management attributed the growth to strategic investments in technology and an expanding customer base, positioning the bank to capture more market share in Ghana’s competitive banking sector.
Deposits surge as customer confidence strengthens
A key highlight of the results was the rapid growth in deposits, which climbed over 43% to approximately GH¢16.6 billion, signaling strong customer confidence and effective deposit mobilisation strategies.
Total assets also expanded significantly, rising about 44% to GH¢19.2 billion, reflecting a broad-based increase in lending, liquidity, and investment activity. This balance sheet growth places the bank among the fastest-growing financial institutions in Ghana.
Strategic positioning post-listing
The 2025 performance marks the bank’s first full-year results following its listing on the Ghana Stock Exchange, a move that strengthened its capital base and enhanced corporate governance standards.
Executives indicated that the listing has improved visibility, deepened investor confidence, and provided a platform to support future expansion, including digital transformation and regional growth initiatives.
Outlook: Growth anchored on digital and regional expansion
Looking ahead, First Atlantic Bank PLC plans to sustain growth through continued investment in digital banking, expansion into new markets, and the rollout of innovative financial products, including green financing solutions.
With strong capital adequacy and improving asset quality metrics, the bank appears well- positioned to navigate macroeconomic headwinds while delivering consistent returns to shareholders
