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Access Bank (Ghana)
Access Bank (Ghana) (ACCESS) investor relations material
Access Bank (Ghana) Q3 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2025 earnings summary14 Nov, 2025
Executive summary
Net interest income rose to GHS 437.6m for the period ended September 2025, up from GHS 333.9m year-over-year.
Profit before tax was GHS 681.0m, down from GHS 837.6m in the prior year period.
Profit after tax reached GHS 442.7m, compared to GHS 544.5m for the same period last year.
Financial highlights
Interest income increased to GHS 1,160.3m from GHS 1,011.7m year-over-year.
Net fee and commission income declined to GHS 410.0m from GHS 569.6m year-over-year.
Total operating income was GHS 1,224.9m, slightly down from GHS 1,239.2m year-over-year.
Earnings per share (basic & diluted) was GHS 2.54, down from GHS 3.13 year-over-year.
Outlook and guidance
Risk management framework and processes remain consistent with the previous year, focusing on credit, operational, market, liquidity, legal, compliance, strategic, reputational, and capital risks.
Fee and commission income decline drivers
Customer deposit growth impact on cash flow
Operating expense growth drivers
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Latest events from Access Bank (Ghana)
- AGM approved all motions, focused on sustainability, digitalization, and governance alignment.ACCESS
AGM 20243 Feb 2026 - Net profit fell to GHS 536.9m as operating income rose and asset quality improved.ACCESSQ4 202430 Sep 2025
- Profit after tax and total assets rose, with strong deposit growth and higher EPS.ACCESSQ2 202430 Sep 2025
- Net profit surged 19%, assets grew 48%, and capital adequacy remains robust at 18.29%.ACCESSQ3 202430 Sep 2025
- Strong asset and deposit growth, stable profits, and improved loan quality in Q1 2025.ACCESSQ1 202530 Sep 2025
- Net profit fell year-over-year, but capital adequacy and liquidity ratios remained robust.ACCESSQ2 20254 Aug 2025
Next Access Bank (Ghana) earnings date
Q4 20253 Apr, 2026
Access Bank (Ghana)
Next Access Bank (Ghana) earnings date
Q4 20253 Apr, 2026
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@theshortbearx.com
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