加纳银行业利润增长47.8%，创历史新高

Core Viewpoint - The banking sector in Ghana experienced a significant increase in post-tax income, with a year-on-year growth of 47.8% reaching 12.6 billion Cedi by October 2025 [1] Revenue Growth - All revenue components showed growth, with other income surging by 48.5%, significantly higher than the previous year's 4.9% [1] - Interest income rose by 18.4%, increasing from 31.3 billion Cedi to 37.1 billion Cedi [1] - Net interest income was reported at 24.4 billion Cedi, with a slight decrease in growth rate from 18.3% to 17.9% [1] - Interest expenses growth rate slowed from 24.0% in 2024 (10.1 billion Cedi) to 19.5% in 2025 (12.7 billion Cedi), attributed to a decrease in interbank lending rates [1] - Net fee and commission income growth rate decreased from 26% to 8.6% [1] - Overall net operating income growth was 24.0%, surpassing the previous year's 14.4% [1] Cost Dynamics - Cost growth rates varied, with employee costs and other operating expenses slowing from 21.0% in 2024 to 16.9% in 2025 [1] - Provisions for depreciation of financial assets, bad debts, and impairment losses contracted by 56.7% [1] Profitability Indicators - Revenue growth led to improvements in profitability metrics, with both Return on Assets (ROA) and Return on Equity (ROE) showing increases [1]