Amanano Community Bank achieved a GHS 19.2 million profit before tax in 2025. This represents a 44.4% increase from its GHS 13.3 million profit in the previous year.
The bank will not pay cash dividends to shareholders for 2025. Instead, it will use bonus shares to meet a new capital requirement. The Bank of Ghana requires all Rural and Community Banks to have a minimum Stated Capital of GHS 5 million by December 31, 2026. Amanano Community Bank had GHS 3.08 million in Stated Capital as of December 31, 2025. This left a shortfall of GHS 1.9 million.
This decision aligns with broader reforms in Ghana's microfinance sector. The Bank of Ghana periodically reviews capital adequacy for financial institutions. These measures aim to strengthen the banking system and protect depositors. Increased capital can also support economic growth by enabling banks to lend more. The overall Ghanaian banking sector showed strong resilience in 2025. Total assets grew by 14.2% to GHS 420 billion from GHS 367.8 billion in December 2024. This growth came from higher customer deposits, investment securities, and credit portfolios.
Oheneyere Mrs. Augustina Asare Osei, Board Chairperson, announced these details at the bank’s 38th Annual General Meeting. She emphasized the strategic importance of capitalising dividends. This action will transfer GHS 1.95 million from retained earnings to Stated Capital. She also noted the significant role community banks play in financial inclusion across Ghana.
The recapitalization through bonus shares will strengthen the bank's capital base. This will accelerate its compliance with regulatory requirements. It will also enhance the bank’s lending capacity for future growth. Shareholders are encouraged to acquire additional shares, priced at GHS 0.30 per share. This further investment can boost the bank's Capital Adequacy Ratio and support expansion. The bank continues to seek shareholder support to exceed this regulatory threshold and improve resilience against economic shocks.