The National Investment Bank (NIB) has staged a remarkable comeback, recording a pre-tax profit of GH¢74.38 million in the first half of 2025, reversing years of persistent losses.
This turnaround marks a significant leap from the GH¢44.79 million loss recorded during the same period last year, and reflects what management describes as a testament to renewed operational efficiency, prudent cost controls, and effective capital recovery strategies.
It is the first time since 2016 that NIB has published its financial statements, a move that signals strengthened governance and confidence in its transformation journey. The bank’s total assets surged to GH¢8.55 billion from GH¢5.71 billion in June 2024, while net operating income rose sharply to GH¢326.28 million.
Customer deposits also climbed to GH¢7.3 billion, boosting liquidity and market confidence. NIB’s Capital Adequacy Ratio (CAR) improved to a robust 41.34%, well above the Bank of Ghana’s regulatory minimum, while its equity position rose to GH¢892.27 million, reversing a previously negative balance sheet.
Managing Director Dr. Doliwura Zakaria described the results as a declaration of renewed confidence.
“This publication is a declaration of our readiness. It reflects not just our financial health, but the strength of our people, systems, and vision for the future. We are firmly on a growth trajectory,” he stated.
He explained that the publication of the statements is a strategic step to demonstrate full compliance with the Companies Act, 2019 (Act 992) and the Banks and Specialised Deposit-Taking Institutions Act, 2016 (Act 930), while signalling stability to stakeholders and regulators.
Marian Toure, Head of Marketing and Corporate Communications, said; “This disclosure reaffirms our commitment to accountability and signals a new era of transparency and responsible banking. We look forward to engaging stakeholders, partners, and customers in this revitalised phase of growth.”
The turnaround follows extensive recapitalisation efforts by the government aimed at restoring NIB’s financial soundness and repositioning it as a catalyst for industrial financing, SME development, and job creation.
The bank says it is now focused on scaling digital banking solutions, improving customer experience, and deepening support to Ghana’s private sector as it consolidates its return to profitability.
