Ghana's National Investment Bank returns to profit
The bank's capital adequacy ratio rose to 23% after a government cash injection and bond offering.
Ghana's National Investment Bank (NIB) has reported a profit after tax of GH¢343.9 million for the 2025 financial year, a significant turnaround from GH¢2.7 million in 2024. This recovery follows a GH¢450 million cash injection, GH¢1.5 billion in re-marketable bonds, and the transfer of GH¢500 million in government-held Nestlé Ghana shares. The interventions pushed NIB's capital adequacy ratio to approximately 23% by May 2025, from a negative level as low as -53.13% at the end of 2024.
The Finance Ministry stated that these measures protected GH¢6.4 billion in depositor funds and preserved over 900 jobs, contrasting with the widespread job losses and institutional collapses during the 2017-2019 banking sector clean-up. During that period, 420 financial institutions failed, costing over 10,000 jobs and requiring GH¢25 billion in government spending.
NIB's financial performance in 2025 showed total assets more than doubling to GH¢12.22 billion from GH¢5.84 million in 2024. Customer deposits increased to GH¢10.20 billion from GH¢6.47 billion, while loans and advances grew to GH¢730 million from GH¢670 million. Total equity climbed to GH¢1.55 billion.
Why it mattersInvestors are affected by the improved financial health and stability of a key national bank.