National Investment Bank Reports GH¢74m Profit for Half Of 2025 After Years Of Losses

The National Investment Bank (NIB) has reported a profit before tax of GH¢74.38 million for the first half of 2025, marking a sharp turnaround from the GH¢44.79 million loss it recorded during the same period in 2024.

The state-owned bank credits this strong performance to a combination of improved operational efficiency, tight cost controls, and an aggressive capital recovery strategyc, signaling a major recovery after years of financial instability.

In a notable development, this is the first time since 2016 that NIB has published its financial statements—an important step that reflects its renewed focus on transparency and accountability.

The bank’s latest figures reveal strong gains across key financial metrics:

• Total assets increased to GH¢8.55 billion, up from GH¢5.71 billion in June 2024.

• Net operating income surged to GH¢326.28 million.

• Customer deposits rose to GH¢7.3 billion, a sign of growing public confidence.

• The bank’s Capital Adequacy Ratio (CAR) climbed to 41.34%, well above regulatory requirements.

• Shareholder equity improved significantly, reaching GH¢892.27 million, reversing its previous negative position.

The financial rebound positions NIB as a potential key player in the ongoing recovery of Ghana’s banking sector, following years of undercapitalization and uncertainty.