Akosua Apea Osafo (L), James Reynolds Baiden and Julian Opuni
Fidelity Bank Ghana has recorded a Profit Before Tax (PBT) of GH¢1.46 billion for the year ended December 31, 2025, as the institution strengthened its position as the largest privately owned Ghanaian bank.
This was announced at the Bank’s 2026 Annual General Meeting (AGM).
The Board Chairman, James Reynolds Baiden, described the results as an outstanding achievement, noting that the bank successfully navigated market challenges while maintaining a strong focus on revenue growth, profitability and innovation.
According to the Bank, PBT increased by 21 percent from GH¢1.21 billion in 2024 to GH¢1.46 billion in 2025.
Operating income also rose by 14 percent, growing from GH¢2.34 billion to GH¢2.68 billion, supported by improvements in both funded and non-funded income streams.
The bank’s balance sheet expanded during the period, with total assets increasing by 17 percent to GH¢25.98 billion.
Wholesale and customer funding liabilities also grew by 13 percent to GH¢21.68 billion, which reflects increased customer confidence and a stronger presence in both the corporate and retail banking segments.
A major highlight of the bank’s performance was its lending activity. Gross loans and advances surged by 51 percent from GH¢3.14 billion in 2024 to GHS4.74 billion in 2025. The growth underscores Fidelity Bank’s commitment to financing businesses, small and medium-sized enterprises (SMEs), households and emerging sectors of the economy.
Managing Director Julian Opuni attributed the strong results to disciplined execution, strategic expansion and sustained investments in innovation and technology.
“The year demanded discipline, resilience and clarity of execution, all of which were evident in the way our people responded,” he said.
He noted that Fidelity Bank continued to deepen its digital transformation agenda through investments in automation, analytics and customer-focused digital platforms aimed at delivering seamless and reliable banking services.
The Bank also maintained one of the strongest loan portfolios in the industry. Its Non-Performing Loan (NPL) ratio improved significantly to 7.09 percent, well below the industry average of 18.9 percent. Management attributed the achievement to proactive risk management and prudent lending practices.
Following regulatory approval from the Bank of Ghana, shareholders approved a dividend of GH¢11.20 per share.
Beyond its financial performance, Fidelity Bank strengthened its sustainability agenda by deploying more than GH¢170 million to support green businesses and climate-smart initiatives.
Its social intervention programmes impacted over 40,000 people across 10 regions, while several local and international awards recognised the bank’s leadership in banking, SME financing and environmental, social and governance (ESG) practices.
With continued investments in innovation, customer service and sustainable growth, Fidelity Bank says it remains well positioned to support Ghana’s economic transformation while delivering value to shareholders and customers alike.