The Ghana Export-Import Bank (GEXIM Bank) significantly strengthened its financial standing in 2025. The state-owned institution grew its loan portfolio to GHS 1.56 billion. This represents a 20.14 percent increase from GHS 1.30 billion recorded in 2024.
This expansion primarily reflects increased financial support for businesses focused on exports. It also benefited other key sectors of the Ghanaian economy. The bank's loans to customers now make up 63 percent of its total assets, up from 55.9 percent in 2024. This shows a stronger focus on its core mission of development finance.
This robust performance positions GEXIM Bank as a crucial player in Ghana's economic development agenda. The bank's ability to channel more funds into productive sectors aligns with national efforts to boost non-traditional exports. Such growth is vital for improving Ghana's trade balance and creating jobs. It also helps diversify the economy away from traditional raw material exports.
According to the 2025 State Ownership Report, GEXIM Bank maintained strong liquidity and improved its credit quality. The report highlighted the bank's expanded financing operations throughout the year. These positive indicators underscore the bank's operational efficiency and strategic direction.
The bank's improved financial health means it can take on more risks to support emerging industries. This will help Ghana achieve its industrialization goals. Decision-makers will closely watch how this increased capacity translates into tangible economic benefits. Markets will also observe its impact on the competitiveness of Ghanaian businesses.
GEXIM Bank's interest income saw a remarkable 90.21 percent increase. It rose from GHS 80.91 million in 2024 to GHS 153.90 million in 2025. This growth came mainly from higher interest earned on loans and other financial placements. At the same time, funding costs dropped sharply by 99.08 percent, from GHS 26.99 million to GHS 250,000. This combination led to a 184.98 percent rise in net interest income, reaching GHS 153.65 million in 2025.
The bank reported a total operating revenue of GHS 898.04 million. This was supported by substantial non-exchange revenue. Despite lower fees and commission income and a net trading loss, the bank achieved a profit before tax of GHS 467.56 million in 2025. Its net profit also stood at GHS 467.56 million. While this was lower than the GHS 547.17 million recorded in 2024, the report still described the bank's profitability as strong.
Total assets for GEXIM Bank increased by 6.72 percent. They grew from GHS 2.32 billion in 2024 to GHS 2.48 billion in 2025. This reflects continued business expansion. Shareholders' funds also improved significantly, rising by 28.63 percent. They increased from GHS 1.63 billion in 2024 to GHS 2.10 billion in 2025. This growth was largely due to retained earnings and statutory reserves. The bank's total debt and liabilities decreased by about 45 percent. They fell from GHS 689.62 million in 2024 to GHS 378.01 million in 2025. This indicates a stronger equity base and less reliance on debt.
The bank's capital adequacy ratio improved significantly. It rose from 53.7 percent in 2024 to 75.3 percent in 2025. This ratio is well above the regulatory minimum. It gives the bank considerable capacity to absorb potential losses. It also supports future lending to Ghanaian businesses. This improvement strengthens GEXIM Bank's ability to intervene in export-oriented industries. These sectors are critical for Ghana's economic transformation. The bank's sound liquidity position is supported by growth in cash holdings. Cash and cash equivalents increased by 1.75 percent to GHS 234.85 million in 2025. This ensures the bank can meet its short-term obligations and continue its lending activities.