Fidelity Bank Ghana has reported a strong financial performance for 2025, recording a Profit Before Tax (PBT) of GHS1.46 billion, representing a 21 percent increase over the GHS1.21 billion achieved in 2024.
The bank also posted operating income of GHS2.68 billion in 2025, up from GHS2.34 billion in the previous year, reflecting sustained growth across its business operations.
The performance figures were contained in a statement issued following the bank’s 2026 Annual General Meeting (AGM).
Mr. James Reynolds, Board Chairman of Fidelity Bank, attributed the strong results to disciplined execution of the bank’s strategic priorities, resilient operational performance, and continued confidence from customers.
He said the Board had declared a dividend of GHS11.20 per share following approval from the Bank of Ghana.
According to the statement, the bank’s total assets grew by 17 percent to GHS25.98 billion, while wholesale and customer funding liabilities increased by 13 percent to GHS21.68 billion.
Lending emerged as one of the bank’s strongest-performing areas during the year, with gross loans and advances rising by 51 percent from GHS3.14 billion in 2024 to GHS4.74 billion in 2025.
The bank said the growth reflected its commitment to supporting corporate institutions, small and medium-sized enterprises (SMEs), retail customers and emerging sectors of the economy.
Asset quality also improved significantly, with the Non-Performing Loan (NPL) ratio declining to 7.09 percent, well below the industry average of 18.9 per cent.
“Our proactive risk management approach resulted in a significant improvement in asset quality and helped maintain a high-quality loan portfolio,” the statement quoted management as saying.
Mr. Julian Opuni, Managing Director of Fidelity Bank, said the bank’s performance was driven by disciplined execution, targeted business expansion and sustained investment in technology and innovation.
He noted that investments in automation, analytics and customer-focused digital platforms continued to strengthen service delivery.
“Our digital channels, analytics capabilities and core platforms remain central to delivering seamless, personalised and reliable banking solutions to our customers,” Mr. Opuni stated.
Beyond its financial performance, the bank strengthened its sustainability agenda in 2025 by deploying more than GHS170 million to support green businesses and climate-smart initiatives.
The statement said Fidelity Bank continued to promote environmental sustainability through programmes such as the GreenTech Innovation Challenge and the Orange Inspire Creative Challenge.
Its Waste-to-Cash initiative also recycled 14.7 tonnes of paper during the year.
The bank’s corporate social responsibility programmes impacted more than 40,000 people across 10 regions of Ghana, contributing to community development and social inclusion.
Fidelity Bank’s performance earned it several local and international accolades in 2025, including Best Private Bank in Ghana by Euromoney, Best SME Bank and Best ESG Bank in Ghana by the Global Banking and Finance Awards.
The bank was also named Bank of the Year at the Ghana Business Awards and received the Ghana’s Best Bank for ESG award at the Euromoney Awards for Excellence.
Looking ahead, Fidelity Bank said it would continue to position itself as a long-term partner in Ghana’s economic transformation by balancing strong commercial performance with innovation, sustainability and inclusive growth.
