Adansi Rural Bank posts impressive growth

• records GH¢ 25million profit before tax
• declares GH¢0.13 as dividend per share

Adansi Rural Bank PLC at Fomena in the Adansi North District of Ashanti Region has held its 36th Annual General Meeting of shareholders and posted another impressive growth in all financial indicators for the 2025 year under review.

The Bank has recorded an impressive Profit before Tax of approximately GH¢31.3 million in the 2025 year under review as against a little over GH¢ 24.3 million, representing a satisfactory growth of 28.61%.

By this, the Board of Directors has congratulated management and staff on the remarkable approximately GH¢6.9 million profit growth and has therefore urged them to work assiduously towards increasing the Bank’s profitability to enhance shareholders’ investments.

Dividend Payment

The Board of Directors has proposed a total Dividend payment of a little over GH¢8.9million.  This translates to a dividend-per-share of GH¢ 0.13. This gives a return on a dividend of 52% on the Bank’s current Share Price of GH¢ 0.25, which the regulator has given its exceptional approval to pay the proposed dividend to shareholders.

It is the hope of the Board of Directors that the Bank’s performance will continue to improve and move towards such a positive direction to enable the continuous payment of dividends in the years ahead.

Board of Directors of the Bank

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Stated Capital and Shareholders’ Funds

In the 2025 year under review, the Bank’s Stated Capital grew by 93.74% from a little over GH¢5.9 million in 2024 to approximately GH¢11.2 million in 2025. Shareholders’ Funds also increased by 66.36% in 2025 compared to those of 2024.

Chairman of the Board of Directors, Alexander Frimpong announced these and more at the bank’s 36th AGM of shareholders held last Saturday at Fomena in Ashanti.

Operational Environment

According to him, the global economy proved more resilient in 2025 despite tightened trade barriers and significant policy uncertainties. Global headline inflation moved closer to central bank targets, with notable heterogeneity across countries. Global financial condition seased considerably from April 2025 in both advanced and emerging-market economies.

The Bank of Ghana as part of the reformative measures to strengthen the Specialised Deposit Taking Institution (SDI) Sector, has issued revised policy guidelines for the Sector in its notice No. BG/GOV/SEC/2026/03 – “Guideline on the Revised Microfinance Sector Framework, 2026”. Included in the Guideline are the change of name or reformative name for all “Rural Banks” to “Community Banks”; and an increase in Stated Capital from GH¢1million to GH¢5million, among others.

The Board chairman was happy to announce that Adansi Community Bank had met all the conditions and successfully registered the name change with the Office of the Registrar of Companies (ORC) in compliance with Bank of Ghana’s directive and deadline.

Operational Performance

In spite of the challenging macroeconomic environment coupled with other operational and regulatory challenges that pertained during the reviewed year, the bank managed to pull yet another remarkable operational performance in all key financial indicators as indicated in the table.

	FINANCIAL YEAR			PERCENTAGE CHANGE (%)
ITEMS	2025	2024	2023	2025/2024	2024/2023
Total Assets	560,546,641	416,732,806	232,984,792	34.51%	78.87%
Shareholders Fund	53,390,949	32,092,864	15,868,922	66.36%	102.24%
Stated Capital	11,234,643	5,798,688	5,039,787	93.74%	15.06%
Deposits	493,925,356	371,365,495	211,950,012	33.00%	75.21%
Loans & Advances	58,840,755	41,857,239	42,881,904	40.57%	-2.39%
Investment	417,412,658	314,106,324	140,281,757	32.89%	123.91%
Net Profit Before Tax	31,257,286	24,304,030	6,201,539	28.61%	291.90%

 

Corporate Social Responsibility

The Bank continues to provide support to various state institutions and stakeholders within its catchment areas. Some projects supported within the bank’s catchment areas during the year under review included that of the Traditional Councils, Ghana Education Service (GES), the Ghana Police Service, some government health facilities and support for Farmers’ Day Celebration.

An amount of GH¢68,680 was spent in the year under review; an increase of 43.37% over the amount spent in the previous year.

The Board Chairman stressed that the bank is socially responsible and would continue to support projects and engage in environmentally friendly activities in the years ahead.

Commendation / Advice

The Kumasi Manager of ARB Apex Bank, Leonard Maasang who delivered an address on behalf of the Acting Managing Director, Curtis Brentuo, congratulated the shareholders, Board, and Management of the Bank for another exceptional performance of the Bank.

Due to the Bank’s impressive continuous growth, the Acting Managing Director has described the Bank as one of the most profitable rural and community banks in Ghana.

According to him, the Directors’ proposal to distribute a dividend of GH¢ 8,921,970 to shareholders is backed by ARB Apex Bank, as the impressive performance speaks for itself. He further encouraged the shareholders to continue to provide their support to the directors, management, and staff to aid the growth of the Bank

Future Outlook

The Chief Executive Officer of the Bank, Daniel Amponsah, in an interview with the Business & Financial Times, said Bank would continue its good services and develop need-based products for its customers.

He mentioned that the Bank celebrated a 94% growth in the stated capital compared to the previous year, which he said is a clear testament to the confidence the Bank’s stakeholders place in the vision and governance of the Bank.

This achievement, he stressed does not only strengthen the bank’s financial foundation but also enhances the ability to expand services, innovate products, and deliver sustainable value to the communities they serve.

“Adansi Rural Bank stands today as one of the most attractive community banks for investment, combining resilience, transparency, and growth potential. Our strong capital base positions us to seize new opportunities in Ghana’s evolving financial landscape, while our commitment to prudent management ensures long?term stability,” he said.

For investors seeking a trusted partner with proven results and a clear trajectory of growth, Adansi Rural Bank offers a compelling proposition: a bank that is not only profitable but also deeply rooted in community impact and future?focused expansion.

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