Audio By Carbonatix
The Savings and Loans sector recorded a profit of GH¢515.32 million in 2025, compared to GH¢141.57 million in the previous year.
According to the 2025 Bank of Ghana Annual Report and Financial Statement, the sub-sector recorded Capital Adequacy Ration (CAR) of 3.5% at in December 2025, increasing from -0.6% at the end of December 2024, below the prudential minimum of 10.0%.
The Non-Performing Loan (NPL) ratio decreased to 11.8% in December 2025, from 15.0% at the end of December 2024.
The total number of licensed Savings and Loans stood at 26 at the end of December 2025.
Total assets also stood at GH¢12.63 billion at the end of December 2025, representing a year-on-year growth of 31.2%.
Meanwhile, the total number of licensed microfinance institutions (MFIs) was 172 at the end of December 2025.
The total assets of MFIs amounted to GH¢3.06 billion, reflecting a year-on-year growth of 55.5%, compared to 35.7% the previous year.
Deposits increased by 27.8% year-on-year at the end of December 2025.
The average CAR and NPL ratios stood at 22.1% and 26.4%, respectively, as of the end of December 2025. Overall, profitability improved during the review year.
Latest Stories
-
Nortsu-Kotoe demands dissolution of Bolgatanga Technical University Governing Council
2 minutes -
Canadian boy, 11, dies of rabies after waking to bat on his face
3 minutes -
New Cashew Council Ghana Board inaugurated to boost sector growth
3 minutes -
Ghana Exim Bank joins UN Global Compact to deepen commitment to sustainable finance and responsible business
5 minutes -
Residents of Alajo fear cholera outbreak over piles of refuse after floods
5 minutes -
Why Ghana should embrace modern multi-storey apartment buildings to reduce flood risk
11 minutes -
Observe high hygiene standards after floods to prevent disease outbreaks – Public health expert
22 minutes -
‘She’s a real Scorpio’: Gen Z’s love for astrology is showing up in their jewelry
28 minutes -
Monday’s floods destroyed everything in my home – Kwame Jantuah
29 minutes -
Bosome Freho District Assembly empowers persons with disabilities with start-up kits to reduce street begging
31 minutes -
Floods, cholera and typhoid: What communities need to know
37 minutes -
Gen Z’s love for retro watches has little to do with keeping time
43 minutes -
Discipline must build unity, not endanger victory: a reflection on leadership, constitutionalism and the future of the NPP
50 minutes -
When the rains come, let us not count the dead again
58 minutes -
People with a lot of unresolved anger usually show it in these 3 surprising ways
1 hour