Manya Krobo Community Bank PLC more than doubled its profit after tax in 2025 and has recommended a dividend of GH¢2.33 million to shareholders following a year of strong financial performance.
The Bank recorded a 131 per cent increase in profit after tax, rising from GH¢4.0 million in 2024 to GH¢9.3 million in 2025. Profit before tax also grew by 135 per cent from GH¢6.5 million to GH¢15.4 million over the same period.
The figures were announced at the Bank’s 45th Annual General Meeting (AGM), held in Agomanya on the theme: “Building a Stronger Tomorrow Through Trusted Financial Solutions.”
The meeting brought together more than 1,000 shareholders, representatives of community banks and other financial institutions, traditional authorities, management and staff.
Presenting the Board’s report, Mr Patrick Amanor Buckor, Board Chairman of the Bank, described 2025 as a landmark year, saying the institution recorded strong growth across key financial and operational indicators despite prevailing economic and regulatory challenges.
He attributed the performance to the confidence reposed in the Bank by customers, the loyalty of shareholders, the dedication of management and staff, and the strategic leadership of the Board.
“For more than four decades, our Bank has been guided by prudent leadership, sound financial management and an unwavering commitment to the communities we serve,” Mr Buckor said.
He noted that Ghana’s macroeconomic environment improved significantly in 2025, with real Gross Domestic Product (GDP) growth reaching 6.0 per cent, driven largely by the agriculture and services sectors.
Mr Buckor said headline inflation declined from 23.8 per cent in December 2024 to 5.0 per cent by the end of 2025, while the Ghana cedi recorded substantial gains against major international currencies.
According to him, stronger foreign exchange inflows from gold and cocoa exports, prudent fiscal management and improved investor confidence contributed to the currency’s recovery.
He said the improved inflation outlook created room for lower treasury bill yields, reductions in the monetary policy rate and commercial lending rates, thereby providing a more stable operating environment for businesses and financial institutions.
Touching on the Bank’s performance, Mr Buckor said net operating income increased by 45 per cent from GH¢41.3 million in 2024 to GH¢59.8 million in 2025, driven mainly by higher interest income from loans and investments as well as growth in fees and commissions.
“Profit before tax rose by 135 per cent from GH¢6.5 million to GH¢15.4 million, while profit after tax more than doubled from GH¢4.0 million to GH¢9.3 million, representing a 131 per cent increase,” he said.
Customer deposits also grew by 27 per cent from GH¢227 million to GH¢288.3 million, demonstrating growing public confidence in the Bank and providing a stronger funding base for future expansion.
Furthermore, loans and advances increased by 35 per cent from GH¢73.9 million to GH¢99.6 million, while total assets rose by 27.4 per cent from GH¢263 million to GH¢335.1 million.
Shareholders’ funds similarly increased by 46.6 per cent from GH¢18.7 million to GH¢27.5 million, while the Capital Adequacy Ratio improved from 14.36 per cent to 16.92 per cent, exceeding the Bank of Ghana’s minimum requirement of 10 per cent.
On corporate social responsibility, Mr Buckor said the Bank invested GH¢393,313 in education, health and community development initiatives across its operational areas.
The interventions included scholarships worth GH¢103,000 for brilliant but financially disadvantaged students.
“The Board has also recommended a dividend of GH¢0.0504 per share, amounting to GH¢2.33 million, subject to shareholder and regulatory approval,” he said.
“The proposed dividend represents 25 per cent of the Bank’s profit after tax, compared with GH¢1.53 million paid in 2024″.
Mr Buckor assured shareholders that the Bank would continue to balance attractive returns with the need to retain adequate earnings to strengthen its capital base and support sustainable growth.
He urged individuals, businesses and institutions within the Bank’s catchment area to invest and bank with Manya Krobo Community Bank.
He said the institution remained committed to delivering trusted financial solutions and creating lasting value for the communities it serves.
