Fidelity Bank Ghana recorded Profit Before Tax of GHS1.46 billion in 2025, representing 21 per cent increase from the GHS1.21 billion recorded in 2024.
The bank’s operating income also reached 2.68 billion in 2025, moving from the GHS 2.34 billion achieved the previous year, said a release copied to the Ghana News Agency after the Banks 2026 Annual General Meeting (AGM).
Mr James Reynolds, the Board Chairman, described the results as a reflection of disciplined strategy execution, resilient operational performance, and sustained customer confidence.
The Bank’s total assets increased by 17% to GHS 25.98 billion, while wholesale and customer funding liabilities grew by 13 percent to GHS 21.68 billion.
“One of the Bank’s strongest performance areas was lending. Gross loans and advances rose sharply by 51 percent from GHS 3.14 billion in 2024 to GHS 4.74 billion in 2025, underscoring its commitment to supporting corporate businesses, SMEs, retail customers, and emerging growth sectors across the economy,” it said.
The Bank’s Non-Performing Loan ratio also improved significantly to 7.09 per cent, below the industry average of 18.9 per cent.
“Importantly, the Bank maintained a high-quality loan portfolio. Our proactive risk management approach resulted in a significant improvement in asset quality,” Mr Baiden said.
Following approval from the Bank of Ghana, the Board declared a dividend of GHS 11.20 per share.
Mr Julian Opuni, the Managing Director, Fidelity Bank, said the Bank’s growth was driven by disciplined execution, targeted expansion, and investments in innovation, automation, analytics, and customer-focused digital platforms.
“Our digital channels, analytics capabilities, and core platforms remain central to delivering seamless, personalised, and reliable banking solutions,” he stated.
Fidelity Bank, in 2025, deployed over GHS 170 million to support green businesses and climate-smart initiatives, reinforcing its sustainability agenda.
“The Bank advanced programmes such as the GreenTech Innovation Challenge and Orange Inspire Creative Challenge, while its Waste-to-Cash initiative recycled 14.7 tonnes of paper during the year.
“Corporate social responsibility initiatives also impacted more than 40,000 lives across 10 regions in Ghana,” it said.
Fidelity Bank, in 2025, earned local and international recognitions, including Best Private Bank in Ghana by Euromoney, Best SME & ESG Bank in Ghana by Global Banking & Finance Awards.
There rest were Bank of the Year at the Ghana Business Awards, and Ghana’s Best Bank for ESG by Euromoney Awards for Excellence.
The bank said it will continue to position itself as a long-term partner in Ghana’s economic transformation, balancing strong commercial performance with innovation, sustainability, and inclusive growth.
