Advans Ghana Savings and Loans Ltd. posted a 256% jump in net profit in 2025 as stronger lending activity, rising customer deposits and increased adoption of digital banking services boosted earnings.
Net profit climbed to GH¢66.9 million in 2025 from GH¢18.7 million a year earlier, underscoring the lender’s growing role in financing small and medium-sized enterprises and expanding access to financial services across the country.
The earnings growth was driven by a sharp expansion in the institution’s loan book and customer base. Advans Ghana disbursed more than GH¢900 million in loans during the year, supporting businesses across multiple sectors of the economy.
Its gross loan portfolio increased by nearly 49% to GH¢580 million from GH¢390 million in 2024, while customer deposits rose 56% to GH¢430 million, reflecting stronger customer confidence and deeper market penetration.
The company also expanded its active customer base to 149,000, strengthening its position in Ghana’s competitive savings and loans sector.
“Behind these results are real stories: clients who trust us to grow their businesses and committed teams who deliver every day. Purpose, vision and disciplined execution are what drive our growth,” Managing Director Guillaume Valence said.
Women Entrepreneurs Drive Inclusion Agenda
Advans Ghana’s focus on women-owned businesses remained a major component of its growth strategy.
The number of female customers rose to 86,000, while lending under its AdvansHER programme increased by 52%. The average loan size granted to women entrepreneurs also grew by 17%, indicating stronger business expansion among female-led enterprises.
The institution further invested in business development programmes for more than 30,000 women farmers and committed GH¢10.2 million to agricultural value chains, including rice and shea production.
The investments align with broader efforts to improve financial inclusion and expand access to credit for underserved groups within Ghana’s economy.
Digital Channels Gain Traction
Advans Ghana also reported strong growth in digital banking adoption as customers increasingly embraced technology-driven financial services.
Digital transactions rose by 48% during the year, supported by increased usage of the institution’s USSD banking platform and MyAdvans GH mobile application.
The shift reflects the growing importance of digital channels in extending banking services beyond traditional branch networks and improving access for customers in underserved communities.
Governance and Security Credentials Strengthened
The lender enhanced its governance and risk management credentials by securing two international certifications during the year.
Advans Ghana received the Client Protection Certification at Silver Level from global rating agency MFR, recognising its commitment to responsible lending practices and customer protection.
It also achieved ISO 27001 certification, the globally recognised standard for information security management, at a time when cybersecurity and data protection have become critical priorities for financial institutions.
Expansion Plans for 2026
Building on the strong performance, Advans Ghana has adopted the theme “Raising the Standard” for 2026, with plans centred on expanding operations, improving customer experience, strengthening staff capabilities and enhancing operational efficiency.
The results come as demand for financing among Ghana’s SMEs continues to recover, positioning the institution to play a larger role in supporting entrepreneurship, financial inclusion and economic growth.
With a stronger balance sheet, expanding customer reach and accelerating digital adoption, Advans Ghana appears well positioned to deepen its footprint in Ghana’s financial services sector while supporting the growth of the country’s productive enterprises.
