ARB Apex Bank Posts GH 34.56m Profit as Absa and Capital Community Bank Expand Financing and Asset Portfolios

Ghana’s financial landscape is witnessing a period of significant growth and structural transformation as major institutions report robust 2025 earnings and launch strategic initiatives to support key economic sectors. Leading the charge, ARB Apex Bank has announced a remarkable 35% increase in profit before tax, reaching GH 34.56 million, while its total assets surged by 136.8% to hit GH 5.40 billion. Simultaneously, Absa Bank Ghana has entered a strategic partnership with Mantrac Ghana to provide tailored financing for the mining and construction industries, underscoring a broader push toward enhancing national productivity through accessible capital.

The performance of ARB Apex Bank reflects a pivotal moment for the institution as it prepares to assume a heightened supervisory role under the Bank of Ghana’s new microfinance regulatory framework. This restructuring will see the bank providing technical and operational support to a wider range of financial institutions, including microfinance banks and credit unions. Despite the bank’s strong profitability, management has opted not to declare dividends for the 2025 financial year, citing the need to offset accumulated losses stemming from the Domestic Debt Exchange Program (DDEP). However, the bank remains optimistic, focusing on strengthening its capital base to meet new regulatory requirements set for 2026.

In the private sector, Absa Bank Ghana’s collaboration with Mantrac Ghana is designed to address the equipment needs of businesses in critical sectors. Through this partnership, eligible customers can access financing for world-class equipment with repayment terms extending up to 60 months and competitive interest rates. Ellen Ohene-Afoakwa of Absa Bank emphasized that such alliances are vital for fostering economic development, while Mantrac’s Managing Director, Pierre Lambert Hill, highlighted that the deal offers a reliable investment pathway for businesses. This move is expected to bolster the construction and mining sectors, which remain pillars of the Ghanaian economy.

Further evidence of sector-wide growth was reported by Capital Community Bank PLC (CCB) in the Bono Region. Board Chairman Patricia Peprah-Agyemang revealed that the bank’s assets grew by 35.86%, rising from GH 68.41 million in 2024 to over GH 92.94 million in 2025. This growth was attributed to a focus on quality credit assets and efficient capital allocation. Collectively, these developments point to a resilient banking sector that is navigating post-DDEP challenges while positioning itself to support small-scale enterprises and large industrial players alike through improved oversight and targeted financing solutions.