The National Investment Bank recorded a profit before tax of GH¢74.38 million in the first six months of 2025, a significant turnaround from a loss of GH¢44.79 million during the same period in 2024.

According to the state bank, the performance reflects renewed operational efficiency, effective cost management, and a successful capital recovery strategy.

This is the first time since 2016 that the bank is publishing its financial statement.

The performance signals a return to financial stability and transparency after a challenging period of undercapitalisation.

Total assets reached GH¢8.55 billion, up from GH¢5.71 billion in June 2024. Net operating income also rose to GH¢326.28 million.  

Similarly, customer deposits increased to GH¢7.3 billion.

In terms of the financial stability indicators, Capital Adequacy Ratio (CAR) improved to 41.34%, well above regulatory thresholds.

The equity position of the bank also grew to GH¢892.27 million from a loss position.

Commenting on the sterling performance, Managing Director, Dr. Doliwura Zakaria, stated: “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 added that the release of the financial statements is a strategic step in NIB’s transformation journey, demonstrating renewed stakeholder confidence and full compliance with regulatory expectations under the Companies Act, 2019 (Act 992), and the Banks and Specialized Deposit-Taking Institutions Act, 2016 (Act 930).

According to Marian Toure, Head of Marketing and Corporate Communications: “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 revitalized phase of growth.”

 As the Bank continues to expand its operations and reposition its brand, the mid-year performance affirms NIB PLC’s role as a trusted, forward-looking institution aligned with Ghana’s economic transformation agenda.