The Agricultural Development Bank (ADB) recorded a profit after tax of GHS 367.29 million in 2025. This compares with a profit of GHS 35.06 million in 2024, indicating a strong financial turnaround for the bank.
This improved performance stemmed from enhanced operational efficiency and stronger revenue generation. The positive impact of the bank’s recapitalisation programme also contributed significantly. The bank transferred GHS 183.65 million to its Statutory Reserve, increasing the cumulative balance to GHS 383.19 million by year-end 2025.
Ghana’s banking sector has faced various challenges, including high non-performing loans and the recapitalisation directive from the Bank of Ghana. ADB's recovery aligns with broader efforts to strengthen the financial stability of state-owned enterprises. The bank's improved capital position reflects the Government of Ghana’s strategy to support key financial institutions.
ADB’s 2025 Annual Report and Financial Statements released the figures, highlighting key drivers of success. The report stated, “The Bank recorded a significant turnaround in its financial performance for the year ended 2025, underpinned by improved operational efficiency, enhanced revenue generation, and the positive impact of the recapitalisation programme.”
This strong recovery positions ADB for sustained growth in the coming years. Investors and market observers will monitor how the bank manages its asset quality, despite improvements. The Board of Directors did not recommend a dividend for 2025, suggesting a focus on reinvestment and strengthening core operations.
Total operating income for ADB rose to about GHS 1.75 billion from GHS 1.0 billion in 2024. This was primarily due to higher interest income, which reached GHS 2.09 billion. Fee and commission income also grew, reaching approximately GHS 284 million.
The bank’s total assets grew substantially to approximately GHS 17.9 billion in 2025. This is up from GHS 14.6 billion in the previous year. This growth was largely due to increased investment securities and improved liquidity.
ADB's Capital Adequacy Ratio (CAR) strengthened significantly to 27.17%. This is a notable improvement from a negative 3.15% recorded in 2024. The CAR measures a bank's capital in relation to its risk-weighted assets, indicating its financial strength.
Shareholders’ equity increased to approximately GHS 2.48 billion. This reflects restored solvency and enhanced financial resilience for the bank. Despite the strong recovery, asset quality remains a key focus area for management.
ADB’s non-performing loan (NPL) ratio improved to 70.5% in 2025 from 75% in 2024. This improvement indicates the success of intensified recovery efforts. Earnings per share improved to 0.22 Ghana pesewas in 2025 from 0.02 Ghana pesewas in 2024.
Return on equity (ROE) rose sharply to 15% from 3%. Return on assets (ROA) also increased to 2% from almost zero a year earlier. These ratios signify increased profitability and efficient use of assets.
ADB maintained its workforce at 1,473 employees. It operates through 89 branches and agencies across Ghana. The bank's recovery trajectory will be key for its role in agricultural development in Ghana.