Banks’ pre-tax profit jumps 40% to GH¢23bn

The performance was driven largely by higher investment income, stronger net trading income and a sharp reduction in net impairment losses, according to the PwC Ghana Banking Survey 2026.

The report said the gains were supported by banks maintaining net short foreign currency positions in line with Bank of Ghana policies, together with the strengthening of the Ghana cedi.

The 2025 results therefore mark a significant improvement in the sector’s earnings, but the sustainability of that performance will depend on how effectively banks manage credit risks, operating costs and the changing investment environment.