Share this
SUBIN-AKWABOSO COMMUNITY BANK NEARS GH¢100 MILLION ASSETS MARK WITH OUTSTANDING 2025 PERFORMANCE
By Hon. Justice Baffour-Awuah, Managing Editor, DailywatchGH/0246930931
Subin-Akwaboso Community Bank PLC has recorded one of its strongest financial performances in recent years, posting impressive growth across key financial indicators and reinforcing its position as one of Ghana’s leading community banks.
The bank’s 2025 Annual Report and Financial Statements reveal remarkable progress in assets, deposits, investments, lending activities and profitability, reflecting growing public confidence and prudent management despite prevailing economic challenges.
According to the report presented by Mr Nti Nyinaku,the board chairman,at the Bank’s 3rd Annual General Meeting (AGM), total assets increased significantly from GH¢53.10 million in 2024 to GH¢98.67 million in 2025, representing an impressive growth of approximately 86 percent. The achievement places the bank on the verge of joining the elite group of rural and community banks with assets exceeding the GH¢100 million mark.
Customer deposits, a key indicator of public trust and confidence, rose sharply from GH¢46.87 million in 2024 to GH¢86.49 million in 2025. The remarkable increase underscores the growing reputation of the bank among individuals, businesses and institutions within its operational areas.
The bank’s total investment portfolio also witnessed substantial growth, rising from GH¢37.26 million in 2024 to GH¢68.90 million in 2025. Management attributed the increase largely to strategic investments in Government of Ghana Treasury Bills and other regulated financial instruments, aimed at ensuring safety and sustainable returns.
Lending activities expanded significantly during the period under review. Loans and advances increased from GH¢3.94 million in 2024 to GH¢9.72 million in 2025, representing a growth of approximately 147 percent. This development highlights the bank’s commitment to supporting local businesses, farmers, traders and entrepreneurs while contributing to economic growth within its catchment communities.
The bank’s profitability also improved considerably.
Profit before tax rose from GH¢3.86 million in 2024 to GH¢5.82 million in 2025, representing a 51 percent increase. Total income increased from GH¢9.80 million to GH¢15.78 million during the same period, demonstrating strong revenue growth and operational efficiency.
Shareholders also benefited from the bank’s positive performance, as shareholders’ funds more than doubled from GH¢5.38 million in 2024 to GH¢11.41 million in 2025. Paid-up capital increased from GH¢1 million to GH¢1.3 million, reflecting continued shareholder commitment and confidence in the institution’s future prospects.
One of the most notable indicators in the report was the bank’s Capital Adequacy Ratio, which improved from 37 percent in 2024 to 41 percent in 2025. This figure remains significantly above the regulatory minimum requirement set by the Bank of Ghana and demonstrates the institution’s strong financial resilience and ability to withstand economic shocks.
In his report, the Chairman acknowledged the mixed economic environment that characterized the 2025 financial year but commended management, staff, shareholders and customers for their dedication and support. He noted that the banking sector remained stable despite global economic uncertainties and emphasized the importance of digital banking solutions in driving growth.
The report further highlighted the bank’s growing recognition within Ghana’s rural and community banking sector.
Subin-Akwaboso Community Bank continues to receive industry recognition for its operational excellence, innovation and contribution to financial inclusion.
With deposits, assets, investments and profits all recording substantial increases, financial analysts believe the bank is well-positioned to sustain its growth trajectory and strengthen its role in promoting local economic development.
The outstanding 2025 performance reinforces Subin-Akwaboso Community Bank PLC’s vision of becoming one of Ghana’s most trusted and financially resilient community banking institutions while delivering sustainable value to shareholders and customers alike.
