GCB Bank PLC has posted a record-breaking financial performance for the 2025 financial year, reinforcing its dominance in Ghana’s banking sector while securing shareholder approval for a final dividend payout.
At its 32nd Annual General Meeting (AGM) held in Accra, the Bank and the broader GCB Group presented what management described as an industry-leading performance, underpinned by strong growth across key financial indicators and improved operational efficiency.
Shareholders at the AGM adopted the Bank’s audited 2025 financial statements and approved a final dividend of GHS1.00 per share, alongside all other resolutions tabled. The dividend approval marks a significant turnaround from the previous year, when a proposed payout failed to receive regulatory clearance.
According to a statement issued after the meeting, GCB closed the year with a Profit Before Tax (PBT) of GHS3.2 billion, representing a 67.4 percent year-on-year increase.
Operating income also surged by 40.9 percent to GHS6.3 billion, highlighting strong revenue growth driven by core banking activities.
The Bank’s balance sheet expanded considerably, with total assets rising by 23 percent to GHS52.6 billion.
Customer deposits grew by 19.7 percent to GHS41.3 billion, while the loan book recorded a sharp 56.8 percent increase to GHS16.39 billion, signaling renewed lending activity and confidence in the economy.
Asset quality showed improvement, with the non-performing loan ratio declining to 10.3 percent. Capital adequacy and liquidity levels remained robust, positioning the Bank to sustain growth and absorb potential shocks.
Board Chairman Joshua Alabi described the results as the outcome of deliberate efforts to reposition the Bank for long-term growth and competitiveness.
He emphasized the Board’s commitment to delivering value for shareholders while contributing meaningfully to Ghana’s economic development through disciplined execution and strategic clarity.
The approval of the dividend carried particular significance for investors, following last year’s setback. Prof. Alabi acknowledged the earlier disappointment but noted that sustained engagement with the Bank of Ghana had led to a successful outcome this year. He also commended the regulator for its collaboration and support.
The AGM also reviewed the Bank’s first full year of executing its medium-term strategy, which is anchored on customer centricity, digital transformation, and strengthening people and organizational culture.
Prof. Alabi said the strategy is aimed at positioning GCB as a future-ready financial institution and the preferred partner for both businesses and households.
He described the 2025 performance as evidence that the Bank remains on a solid footing, with ambitions to become the “undisputed leader” in Ghana’s banking industry.
Sustainability was highlighted as a key pillar of the Bank’s growth agenda, integrated into its business model to support risk management and long-term value creation.
In line with this, GCB invested GHS10.1 million in corporate social responsibility initiatives in 2025, covering education, health, community development, environmental sustainability, economic empowerment, sports, and youth development. Education and community development accounted for the bulk of the spending.
The Bank also reported progress on its “Sheagles Soar” programme, a flagship initiative aimed at promoting female leadership within the organization.
As part of governance decisions taken at the AGM, shareholders re-elected Prof. Alabi, Dr. Alhaji Yahaya Abdul Rahman, and Ms. Pamela Seyram Addo as Directors.
They also ratified the appointment of Mr. Abdulsalam Alhassan as Executive Director responsible for Wholesale and Investment Banking, approved directors’ remuneration, and authorized the Board to determine external auditors’ fees for 2026.
Beyond the resolutions, the AGM underscored a broader shift in GCB’s corporate narrative from a large indigenous bank to a modern, strategically focused financial institution.
Management reiterated that the Bank’s focus remains on disciplined growth, enhanced customer experience, digital innovation, resilient earnings, and sustainable value creation.
With rising shareholder returns, a strengthened balance sheet, and restored dividend capacity, GCB is positioning itself as a resilient Ghanaian brand with ambitions for sustained market leadership.
Prof. Alabi concluded that the Board and Management are committed to building a bank that reflects national pride while delivering consistent value to stakeholders.
