Agricultural Development Bank (ADB) PLC has pulled off a stunning financial turnaround, recording a GH¢367.2 million historical profit position by the end of 2025.

According to the bank’s audited summary financial statements for the year ended December 31, 2025, ADB PLC recorded a profit after tax of GH¢367.2 million, a massive leap from the GH¢35 million profit recorded in 2024.

​The recovery is being hailed by industry analysts as a "resurrection," driven by a successful recapitalisation exercise and a sharp focus on recovering non-performing loans (NPLs).

​The Turnaround in Numbers

​The Bank’s total assets grew by 22%, crossing the GH¢17 billion mark. This growth was underpinned by a significant increase in investment securities, which rose from GH¢3.8 billion to GH¢5.0 billion.

Strategic Pillars of Success

​ ​Aggressive Loan Recovery

​The Bank made significant strides in cleaning up its books. Recoveries from non-performing loans (NPLs) totalled GH¢301.4 million, which, alongside a profit of GH¢367.3 million, helped the Bank enhance its equity position. Although the NPL ratio remains relatively high at 70.53%, it is a marked improvement from the 75.26% seen a year prior. The Bank continues its aggressive recoveries as part of its strategy to further strengthen its balance sheet.

The Recapitalisation

The Bank received a deposit of GH¢850 million for unregistered shares, which has strengthened its capital position and improved the CAR to 27.17%, supported by recoveries of GHS381.4 million from non-performing loans and a profit of GH¢367.3 million. In 2024, the bank’s CAR stood at (3.15%), well below regulatory requirements. The improved CAR of 27.17% provides a solid buffer for the Bank’s operations.

Efficiency and Income Growth

​ADB's core banking operations saw explosive growth. Net interest income nearly doubled, reaching GH¢1.37 billion. This suggests that despite the focus on recovery, the Bank’s lending and investment strategies are yielding much higher returns than in previous years.

Shareholder Value and Equity

​The bank’s Total Equity saw a significant rise, jumping from GH¢1.27 billion to GH¢2.47 billion. This increase was supported by GH¢850 million in proceeds from a deposit for shares, signalling strong investor confidence in the bank’s new direction.

​A Future Rooted in Agriculture

​Despite the heavy focus on financial restructuring, ADB has not abandoned its core mission. The bank spent GH¢2.95 million on Corporate Social Responsibility (CSR), including sponsoring the National Best Farmer Award and donating to schools.

​ADB’s 2025 performance is expected to reinforce investor confidence and position the Bank for the next phase of growth in line with its strategic vision to be among the top 3 performing banks in Ghana.