Atwima Mponua Community Bank PLC recorded a profit before tax of GH¢26.2 million for the 2025 financial year, representing a 76.22% increase over the GH¢14.9 million posted in 2024.
The bank also recorded a 43.0% growth in net interest income to GH¢47.8 million, up from GH¢33.4 million in the previous year, driven by growth in interest-earning assets and improved asset-liability management.
Mr John Yaw Gyedu Gyamerah, Board Chairman of the bank, announced the results at the bank’s 42nd Annual General Meeting held at Toase in the Atwima Nwabiagya South Municipality of the Ashanti Region.
He described the bank’s financial performance as encouraging, noting that total assets increased by 32.46% to GH¢356.0 million at the end of the 2025 financial year.
Mr Gyamerah said customer deposits grew by 26.5% to GH¢323.3 million, reflecting continued confidence in the bank and its operations.
He said the bank maintained a diversified loan portfolio covering agriculture, trading, transport and other sectors, with individual customers and private enterprises accounting for the bulk of its lending activities.
According to him, the bank had strengthened its credit risk management framework through stricter collateral requirements, rigorous credit assessment processes and continuous monitoring of loan portfolio performance.
On capital adequacy, Mr Gyamerah said the bank’s paid-up capital stood at GH¢2.52 million as of December 31, 2025, compared with GH¢1.89 million in 2024, exceeding the Bank of Ghana’s minimum capital requirement of GH¢1.0 million.
He, however, noted that the bank needed to further strengthen its capital base to support its transformation into a Community Bank and meet evolving regulatory requirements.
Mr Gyamerah said a successful share issuance and capital mobilisation exercise had significantly improved the bank’s capital position.
He said the bank’s stated capital had increased from GH¢2.52 million at the end of December 2025 to GH¢4,570,913.11 as of May 15, 2026, representing an increase of about GH¢2.05 million.
Despite the progress made, Mr Gyamerah said additional capital mobilisation remained necessary to support the bank’s growth ambitions and regulatory obligations.
He appealed to existing and prospective investors to acquire additional shares to further strengthen the bank’s capital base and position it for sustained growth.
