Toase: The Atwima Mponua Community Bank PLC has reported a profit before tax of GHS26.2 million for the financial year 2025. This marks a 76.22% increase over the previous year's profit of GHS14.9 million.
According to Ghana News Agency, the bank's net interest income saw a significant rise of 43.0%, reaching GHS47.8 million compared to GHS33.4 million in 2024. This growth was driven by an increase in interest-earning assets and improved asset-liability management strategies. Mr. John Yaw Gyedu Gyamerah, the Board Chairman of the bank, shared these results during the bank's 42nd Annual General Meeting held in the Atwima Nwabiagya South Municipality of the Ashanti Region.
Mr. Gyamerah highlighted that the bank's total assets reached GHS356.0 million at the end of 2025, a 32.46% increase from the previous year. Shareholders' deposits were recorded at GHS323.3 million, reflecting a 26.5% growth over the 2024 financial year. The bank's loan portfolio remained diversified, covering sectors such as agriculture, trading, and transport, with a majority of lending directed towards individual and private enterprise customers.
He further explained that the bank has reinforced its credit risk management framework, emphasizing enhanced collateral requirements, rigorous credit assessment procedures, and active monitoring of portfolio performance. Regarding the bank's capital, Mr. Gyamerah noted that the paid-up capital stood at GHS2.52 million as of December 31, 2025, surpassing the minimum capital requirement of GHS1.0 million.
In light of the bank's transition to Community Bank status and evolving capital requirements from the Bank of Ghana, Mr. Gyamerah stressed the importance of strengthening the capital base to support growth and regulatory expectations. Through a share issuance and capital mobilisation exercise, the bank's stated capital increased significantly, reaching GHS4,570,913.11 by May 15, 2026. Despite this progress, he emphasized the need for additional capital injection and encouraged prospective investors to purchase additional shares to bolster the bank's capital base further.