...driven by growth acceleration and operational efficiency

Advans Ghana Savings and Loans has released its financial results for the first half of 2025, posting a remarkable 400percent increase in profit year-on year. The surge in profitability — from GH¢5.4 million in H1 2024 to GH¢23.1 million in H1 2025 - is attributed to the successful execution of Advans Ghana’s accelerated growth strategy, disciplined cost management, and strengthened operational efficiency.

Strong lending activity fuels growth

A key driver of this performance was the institution’s aggressive lending strategy, particularly to micro, small, and medium-sized enterprises (MSMEs). In the first half of the year, Advans Ghana disbursed over GH¢408 million in loans to more than 7,500 MSMEs, marking a 59percent increase compared to the same period in 2024.

This momentum propelled a 72percent year-on-year growth in the Gross Loan Portfolio, which closed at GHS 473 million by the end of June 2025. Importantly, 37percent of these loans were issued to first-time borrowers, reflecting Advans Ghana’s mission to deepen financial access and inclusion.

Robust revenue and asset performance

Revenue growth was equally strong:

• Net interest income climbed by 59percent, driven by higher loan volumes and improved yield management.
• Non-funded income (including fees and commissions) increased by 20percent, reflecting higher client activity and cross-product engagement.

Total assets grew to GH¢627.7 million, representing a 46percent year-on-year increase, a testament to balance sheet strength and sustained shareholder confidence.

“This achievement has been made possible by the exceptional dedication and hard work of every member of our team. Their collective efforts have reinforced our leadership in financial inclusion and significantly extended our outreach — ensuring that more entrepreneurs across Ghana gain access to the financial tools and support they need to thrive.

“We are proud to be delivering on our mission to empower businesses, create jobs, and improve livelihoods — driving real economic and social progress in the communities we serve. We are confident that we will continue to build a more inclusive financial future for all, while delivering even greater value to our stakeholders,” Guillaume Valence, MD/CEO of Advans Ghana said.

Deposit growth signals public confidence

Client deposits also saw significant growth, increasing 57percent year-on-year, as more Ghanaians entrusted their savings to Advans. The institution’s expanding digital footprint played a key role, with digital transactions rising by 40percent, thanks to continuous enhancements to the mobile banking experience.

A major milestone in this journey was the successful launch of the MyAdvans App, which allows clients to conveniently manage their accounts, access account information, and transact securely from anywhere in Ghana. Advans Ghana now serves over 142,000 active clients nationwide, with a growing presence in urban, peri-urban and rural communities.

Advancing gender inclusion

 True to its inclusive mandate, Advans Ghana continues to champion women’s financial empowerment. Women-led businesses accounted for 61percent of total clients served. Through its flagship AdvansHER initiative, the institution delivered financial literacy training to over 100 women entrepreneurs across the country during the reporting period.

About Advans Ghana Advans Ghana is a licensed savings and loans institution dedicated to offering inclusive financial solutions to individuals and MSMEs, especially those traditionally underserved by the mainstream financial sector. A member of the international Advans Group, Advans Ghana combines global expertise with deep local insight to drive entrepreneurship, growth, and inclusion. The institution currently operates 19 branches across 8 regions in Ghana, with plans to open 2 additional branches by the end of the year. Its operations are powered by a team of over 640 committed employees, serving a diverse and growing client base.