Ama Sarpong Bawuah (M), Pearl Nkrumah (2nd L) and other board members in a group photograph
Access Bank (Ghana) Plc has outlined its next phase of growth, shifting from balance sheet expansion to disciplined earnings growth, improved operating efficiency and stronger risk-adjusted returns.
At its 18th Annual General Meeting held in Accra on Friday, June 19, 2026, the Bank reported a record balance sheet of GH¢19.02 billion for the 2025 financial year, up 14.9% year-on-year, supported by continued deposit growth, expanded lending and retained earnings.
The Bank delivered strong financial performance with its balance sheet with total equity rising to GH¢2.04 billion, driven entirely by retained earnings. Customer deposits grew by 11.5% to GH¢14.54 billion, while the loan book expanded significantly by 36.7% to GH¢5.06 billion, effectively tripling lending since 2022.
Speaking at the AGM, the Board Chairperson of Access Bank (Ghana) Plc, Ama Sarpong Bawuah, expressed appreciation to shareholders, customers, employees, and regulators for their continued trust and support.
“Despite a challenging operating business environment, Access Bank Ghana delivered a resilient performance underpinned by disciplined execution, customer-focused innovation, and the unwavering commitment of our people. We remain focused on creating sustainable value for our shareholders while supporting businesses, communities, and Ghana’s broader economic development of Ghana,” Ms. Bawuah said.
The Managing Director of Access Bank (Ghana) Plc, Pearl Nkrumah, outlined the Bank’s strategic framework for 2026 and beyond: Grow, Transform, and Protect. According to Ms. Nkrumah, this framework is built around three forward priorities.
“Under the Grow pillar, the Bank will focus on deepening customer relationships, strengthening deposit mobilization, expanding quality lending and increasing engagement across retail, SME, commercial, corporate, and public sector banking,” she said.
Ms. Nkrumah said under transform, Access Bank will continue to accelerate digital adoption, improve operational efficiency, and build a leaner cost-to-serve model. Under Protect, the focus will remain on disciplined risk management, asset quality, capital preservation, regulatory compliance and the protection of long-term shareholder value. Reiterating this, “The balance sheet, the deposit franchise, the branch network, and the digital infrastructure are now in place.
The work ahead is to deploy that foundation purposefully, to deepen value for our customers, create sustainable returns for our shareholders, and strengthen our contribution to Ghana’s broader economic development,” she stated.
At the AGM, shareholders considered and approved the Bank’s Audited Financial Statements for the year ended December 31, 2025, and endorsed key board appointments to strengthen its leadership and governance.
These included the re-election of Miss Hadiza Ambursa and Mrs. Yvette Adounvo Atekpe as Independent Non-Executive Directors, and the appointment of Prof. David Dodoo-Arhin as Independent Non-Executive Director, Mr. Eugene Ocansey as Executive Director, Retail & SME Banking, and Mr. Nana Kwabena Afoom as Executive Director, Wholesale Banking.