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Review pending. Every figure has been located on its cited source page in an AI-assisted source verification (matched to the document's text) (17 October 2026). Independent review has not yet been carried out, and these pages are not indexed.AI-assisted source check done; independent review pending; not indexed. About the review

Ecobank Ghana

EGH · Ghana Stock Exchange · Consolidated statements

On this page
Company details
Legal name
Ecobank Ghana PLC
Listing
EGH on the Ghana Stock Exchange, active (observed 2026-10-08)
Sector
Not classified (our classification from the stated principal activity)
Financial year ends
31 December

Overview

Year ended 31 December 2025 · published summary of audited statements, signed / final · source

Read with these figures

  • Summary financial statements. FY2025 figures come from a published summary of the audited statements, not the full statements.
Full wording and sources

  • 2025: figures from a published summary

    These columns come from a summary of the audited statements, not the full audited financial statements. 'The summary financial statements in this publication is an extract from the financial statements for the year ended 31 December, 2025. The full set of the financial statements are available for inspection at the Bank's Head Office at 2 Morocco Lane, Accra.' (note 4, p2); title 'Summary consolidated and separate financial statements prepared from the audited financial statements' (p1-p2). Independent Auditor's Report on the summary consolidated and separate financial statements (p2): 'In our opinion, the accompanying summary consolidated and separate financial statements are a fair summary of the audited consolidated and separate financial statements, in accordance with the basis described in the note 4.' Conducted under ISA 810 (Revised); signed for KPMG, 31-Mar-26. It states: 'We expressed an unmodified audit opinion on the audited consolidated and separate financial statements in our report dated 31 March 2026.' Summary statements of comprehensive income, financial position and changes in equity (p1) and of cash flows (p2), Group and Bank, with condensed lines; disclosures of contingent liabilities and regulatory ratios and short notes on basis of preparation and risk management (p2). No full notes; the operating cash flow starts from 'Cash (used in)/ from operations' without its reconciliation.

    Source: Ecobank Ghana PLC and its Subsidiaries — Summary Consolidated and Separate Financial Statements Prepared from the Audited Financial Statements for the Year Ended 31 Dececember 2025 (dated 2026-03-31)

  • 2024, 2023: figures from a published summary

    These columns come from a summary of the audited statements, not the full audited financial statements. 'The summary financial statements in this publication is an extract from the financial statements for the year ended 31 December, 2024. The full set of the financial statements are available for inspection at the Bank's Head Office at 2 Morocco Lane, Accra.' (note 4, p2); title 'Summary consolidated and separate financial statements prepared from the Audited Financial Statement' (p1-p2). Independent Auditor's Report on the summary consolidated and separate financial statements (p2): 'In our opinion, the accompanying summary consolidated and separate financial statements are a fair summary of the audited consolidated and separate financial statements, in accordance with the basis described in the Note 4'. Conducted under ISA 810 (Revised); signed for KPMG, 28 March 2025. It states: 'We expressed an unmodified audit opinion on the audited consolidated and separate financial statements in our report dated 28 March 2025.' Summary statements of changes in equity, comprehensive income and financial position (p1) and of cash flows (p2), Group and Bank, with condensed lines; notes on contingent liabilities, quantitative (regulatory) disclosures, general information, basis of preparation and risk management (p2). No full notes.

    Source: Ecobank Ghana PLC and its Subsidiaries — Summary consolidated and separate financial statements prepared from the Audited Financial Statement for the year ended 31 December 2024 (dated 2025-03-28)

  • Net interest income

    GHS 2.68 billion

    2,679,868 GHS thousands · p1

    Change not shown.

    Interest income less interest expense, as printed.

  • Operating income

    GHS 5.21 billion

    5,214,757 GHS thousands · p1

    Change not shown.

    The bank's own total of its income lines before credit impairment and operating expenses, under its printed label. What it includes differs between banks; it is not revenue.

  • Profit / (loss) for the year

    GHS 1.82 billion

    1,822,917 GHS thousands · p1

    Change not shown.

  • Total assets

    GHS 47.3 billion

    47,329,053 GHS thousands · p1

    Change not shown.

  • Customer deposits

    GHS 31.6 billion

    31,556,870 GHS thousands · p1

    Change not shown.

  • Total equity

    GHS 7.18 billion

    7,175,274 GHS thousands · p1

    Change not shown.

Large amounts are rounded for reading (GHS million / billion / trillion); exact figures as printed are under each amount and in the tables. No currency conversion.

Not shown: the two years come from different filings.

Financial statements

Exact figures as printed. Each column comes from one filing; labels are as printed in the newest filing. Amounts in GHS thousands unless the row says otherwise; brackets are negative.

† from a supplementary filing for the same year · ‡ signed audited statements preferred over a disputed figure · “–” is a printed dash, explained below the table

Column sources

  • FY2025 — published summary of audited statements (summary), signed / final; reported for the year · source
  • FY2024 — published summary of audited statements (summary), signed / final; reported for the year · source
    • 2024, 2023: figures from a published summary. These columns come from a summary of the audited statements, not the full audited financial statements. 'The summary financial statements in this publication is an extract from the financial statements for the year ended 31 December, 2024. The full set of the financial statements are available for inspection at the Bank's Head Office at 2 Morocco Lane, Accra.' (note 4, p2); title 'Summary consolidated and separate financial statements prepared from the Audited Financial Statement' (p1-p2). Independent Auditor's Report on the summary consolidated and separate financial statements (p2): 'In our opinion, the accompanying summary consolidated and separate financial statements are a fair summary of the audited consolidated and separate financial statements, in accordance with the basis described in the Note 4'. Conducted under ISA 810 (Revised); signed for KPMG, 28 March 2025. It states: 'We expressed an unmodified audit opinion on the audited consolidated and separate financial statements in our report dated 28 March 2025.' Summary statements of changes in equity, comprehensive income and financial position (p1) and of cash flows (p2), Group and Bank, with condensed lines; notes on contingent liabilities, quantitative (regulatory) disclosures, general information, basis of preparation and risk management (p2). No full notes.
  • FY2023 — published summary of audited statements (summary), signed / final; comparative in the FY2024 filing · source
    • 2024, 2023: figures from a published summary. These columns come from a summary of the audited statements, not the full audited financial statements. 'The summary financial statements in this publication is an extract from the financial statements for the year ended 31 December, 2024. The full set of the financial statements are available for inspection at the Bank's Head Office at 2 Morocco Lane, Accra.' (note 4, p2); title 'Summary consolidated and separate financial statements prepared from the Audited Financial Statement' (p1-p2). Independent Auditor's Report on the summary consolidated and separate financial statements (p2): 'In our opinion, the accompanying summary consolidated and separate financial statements are a fair summary of the audited consolidated and separate financial statements, in accordance with the basis described in the Note 4'. Conducted under ISA 810 (Revised); signed for KPMG, 28 March 2025. It states: 'We expressed an unmodified audit opinion on the audited consolidated and separate financial statements in our report dated 28 March 2025.' Summary statements of changes in equity, comprehensive income and financial position (p1) and of cash flows (p2), Group and Bank, with condensed lines; notes on contingent liabilities, quantitative (regulatory) disclosures, general information, basis of preparation and risk management (p2). No full notes.

Income statement

Income statement, GHS thousands. Columns: FY2025 — published summary of audited statements (signed / final), as reported for the year; FY2024 — published summary of audited statements (signed / final), as reported for the year; FY2023 — published summary of audited statements (signed / final), comparative reported in the published summary of audited statements for 2024.
Line (as printed) FY2025Published summary of audited statements (summary)reported for the yearFY2024Published summary of audited statements (summary)reported for the yearsource limitationsFY2023Published summary of audited statements (summary)comparative in FY2024 filingsource limitations
Interest revenue calculated using the effective interest method 4,047,276 4,968,669 3,623,105
Interest expense (1,367,408) (1,201,681) (699,119)
Net interest income 2,679,868 3,766,988 2,923,986
Fee and commission income 651,052 679,331 604,462
Fee and commission expense (119,354) (308,219) (156,151)
Net fee and commission income 531,698 371,112 448,311
Net trading income 1,695,363 1,071,661 1,896,961
Revenue1 4,906,929 5,209,761 5,269,258
Other operating income 307,828 149,510 55,949
Operating income 5,214,757 5,359,271 5,325,207
Net Impairment loss on financial assets2 (356,729) (1,029,695) (1,820,948)
Personnel expenses (834,205) (694,981) (666,566)
Depreciation and amortisation3 (89,590) (89,705) (83,177)
Finance cost on lease liabilities4 (13,391) (16,695) (6,846)
Other operating expenses (894,644) (1,170,369)5 (824,668)
Net Profit before income tax6 3,026,198 2,357,8267 985,240
Income tax expense (1,203,281) (658,203) (352,541)
Net Profit for the year8 1,822,917 1,699,624 632,699
Change in value of investment securities measured at FVOCI (net of tax)9 46,111 57,116 323,574
Impairment loss on investment securities at FVOCI (net of tax)10 –11 4,361 –11
Debt investment at FVOCI - reclassified to profit or loss (net of tax)1213 (43,187) (42,472) –11
Revaluation of land and buildings14 7,883 Not reported in this filing1615 Not reported in this filing16
Remeasurement of post-employment benefit obligations1718 51,545 18,975 –11
Other comprehensive income for the year, net of tax19 62,352 37,980 323,574
Total comprehensive income for the year 1,885,269 1,737,604 956,273
Non-controlling interest20 244 (230) 99
Modification loss21 Not reported in this filing22 –23 (937,762)
  1. Printed “-”, read as nil: subtotal_arithmetic: is.other_comprehensive_income.
  2. Printed “-”, read as nil: subtotal_arithmetic: is.profit_before_tax.
Notes and alternative reported figures (21)
  1. “Revenue” is an issuer-specific line, not mapped to a shared definition: Printed subtotal: net interest income, net fee and commission income and net trading income.
  2. Printed under different labels across filings: “Net Impairment charge on financial assets”; “Net Impairment loss on financial assets”.
  3. “Depreciation and amortisation” is an issuer-specific line, not mapped to a shared definition: Depreciation and amortisation, one line.
  4. “Finance cost on lease liabilities” is an issuer-specific line, not mapped to a shared definition: Interest on lease liabilities, within operating expenses.
  5. Published summary of audited statements dated 2026-03-31 prints (1,170,368) (thousands, p1) for this line and year.
  6. Printed under different labels across filings: “Net Profit before income tax”; “Profit before tax”.
  7. Published summary of audited statements dated 2026-03-31 prints 2,357,827 (thousands, p1) for this line and year.
  8. Printed under different labels across filings: “Net Profit for the year”; “Profit after tax”.
  9. “Change in value of investment securities measured at FVOCI (net of tax)” is an issuer-specific line, not mapped to a shared definition: OCI, may be reclassified.
  10. “Impairment loss on investment securities at FVOCI (net of tax)” is an issuer-specific line, not mapped to a shared definition: OCI, may be reclassified.
  11. “Debt investment at FVOCI - reclassified to profit or loss (net of tax)” is an issuer-specific line, not mapped to a shared definition: OCI, may be reclassified.
  12. Printed under different labels across filings: “Debt investment at FVOCI - reclassified to profit or loss (net of tax)”; “Debt investment at FVOCI-reclassified to profit or loss (net of tax)”.
  13. “Revaluation of land and buildings” is an issuer-specific line, not mapped to a shared definition: OCI, never reclassified.
  14. Published summary of audited statements dated 2026-03-31 presents this line for this year: - (p1). Not shown in this column, which follows one filing's presentation.
  15. Not reported in this filing: Not printed: the FY2024 summary statement of comprehensive income (p1) prints no 'Revaluation of land and buildings' line for 2024 or 2023; its OCI lines are 'Change in value of investment securities measured at FVOCI (net of tax)', 'Debt investment at FVOCI-reclassified to profit or loss (net of tax)', 'Impairment loss on investment securities at FVOCI (net of tax)' and 'Remeasurement of post-employment benefit obligations (net of tax)'. Text layer.
  16. “Remeasurement of post-employment benefit obligations” is an issuer-specific line, not mapped to a shared definition: OCI, never reclassified.
  17. Printed under different labels across filings: “Remeasurement of post-employment benefit obligations”; “Remeasurement of post-employment benefit obligations (net of tax)”.
  18. Printed under different labels across filings: “Other comprehensive income for the year, net of tax”; “Total other comprehensive income for the year, net of tax”.
  19. “Non-controlling interest” is an issuer-specific line, not mapped to a shared definition: Printed under 'Profit for the year attributable to:'.
  20. “Modification loss” is an issuer-specific line, not mapped to a shared definition: Loss on modification of financial assets (FY2023 only), within profit before tax.
  21. Not reported in this filing: Not printed: the FY2025 summary statement of comprehensive income (p1) has no 'Modification loss' line; after 'Operating income' it prints 'Net Impairment loss on financial assets', personnel, depreciation, lease finance cost and other operating expenses. Text layer.

Balance sheet

Balance sheet, GHS thousands. Columns: FY2025 — published summary of audited statements (signed / final), as reported for the year; FY2024 — published summary of audited statements (signed / final), as reported for the year; FY2023 — published summary of audited statements (signed / final), comparative reported in the published summary of audited statements for 2024.
Line (as printed) FY2025Published summary of audited statements (summary)reported for the yearFY2024Published summary of audited statements (summary)reported for the yearsource limitationsFY2023Published summary of audited statements (summary)comparative in FY2024 filingsource limitations
Cash and cash equivalents 14,896,133 20,742,337 11,256,764
Non-pledged trading assets 1,645,108 431,614 208,699
Non Current Asset Held for Sale12 13,354 139,811 18,000
Loans and advances to customers 13,148,348 10,600,525 9,517,709
Non-trading assets3 15,243,120 10,481,612 9,820,968
Other assets 424,007 1,485,839 749,097
Current income tax asset 71,632 101,007 –4
Investment in subsidiaries5 –4 –4 –4
Right-of-use-assets 96,133 99,551 72,360
Intangible assets 3,632 6,619 6,143
Property and equipment 1,298,034 1,256,267 1,260,397
Deferred income tax asset 489,552 657,293 752,527
Total assets 47,329,053 46,002,475 33,662,664
Deposits from Banks 4,720,587 5,998,760 2,358,229
Deposit from customers 31,556,870 32,454,666 26,338,790
Borrowings 455,984 394,001 149,228
Other liabilties 3,310,007 1,495,225 909,190
Provisions 9,113 150,776 150,776
Lease liabilities6 101,218 109,375 61,460
Total liabilities 40,153,779 40,602,803 30,000,596
Stated capital 416,641 416,641 416,641
Retained earnings 4,384,036 3,194,943 1,678,134
Statutory reserve7 1,157,024 930,525 719,636
Credit risk reserve 393,862 96,448 124,292
Revaluation reserve8 743,135 735,252 735,252
Other reserves910 79,856 25,387 (12,593)
Non-controlling interest 720 476 706
Total equity attributable to equity holders of the Bank11 7,175,274 5,399,672 3,662,068
Total liabilities and equity 47,329,053 46,002,475 33,662,664
Current income tax liability Not reported in this filing12 –13 32,923
  1. Printed “-”, read as nil: subtotal_arithmetic: bs.total_assets.
  2. Printed “-”, read as nil: subtotal_arithmetic: bs.total_liabilities.
Notes and alternative reported figures (11)
  1. “Non Current Asset Held for Sale” is an issuer-specific line, not mapped to a shared definition: Non-current assets held for sale.
  2. Printed under different labels across filings: “Non Current Asset Held for Sale”; “Non current asset held for sale”.
  3. “Non-trading assets”: mapping to a shared definition is uncertain. 'Non-trading assets': investment securities other than trading assets, as printed in the summary.
  4. “Investment in subsidiaries” is an issuer-specific line, not mapped to a shared definition: Nil in the Group columns (Bank only).
  5. “Lease liabilities” is an issuer-specific line, not mapped to a shared definition: Lease liabilities, not split between current and non-current.
  6. “Statutory reserve” is an issuer-specific line, not mapped to a shared definition: Reserve required by the Banks and Specialised Deposit-Taking Institutions Act.
  7. Printed under different labels across filings: “Revaluation reserve”; “Revaluation surplus”.
  8. “Other reserves” is an issuer-specific line, not mapped to a shared definition: Other reserves (FVOCI and actuarial).
  9. Printed under different labels across filings: “Other reserve”; “Other reserves”.
  10. Printed under different labels across filings: “Total equity attributable to equity holders”; “Total equity attributable to equity holders of the Bank”.
  11. Not reported in this filing: Not printed: the FY2025 summary statement of financial position (p1) lists no current income tax liability; its liabilities are Deposits from Banks, Deposit from customers, Borrowings, Other liabilties, Provisions and Lease liabilities (a 'Current income tax asset' 71,632 is printed under assets). Text layer.

Cash flow

Cash flow, GHS thousands. Columns: FY2025 — published summary of audited statements (signed / final), as reported for the year; FY2024 — published summary of audited statements (signed / final), as reported for the year; FY2023 — published summary of audited statements (signed / final), comparative reported in the published summary of audited statements for 2024.
Line (as printed) FY2025Published summary of audited statements (summary)reported for the yearFY2024Published summary of audited statements (summary)reported for the yearsource limitationsFY2023Published summary of audited statements (summary)comparative in FY2024 filingsource limitations
Cash (used in)/ from operations1 (2,413,105) 3,272,5742 5,785,855
Interest received 4,170,299 5,032,335 6,993,102
Interest paid3 (1,492,847) (1,272,127) (672,795)
Tax paid (1,024,073) (696,899) (677,807)
Cash flows (used in)/from operating activities4 (759,726) 6,335,8835 11,428,355
Net sales or purchases of investment securities6 (4,938,567) Not reported in this filing87 Not reported in this filing8
Proceeds from sale of property and equipment 1,662 647 1,216
Payments for property and equipment (94,201) (44,097) (48,777)
Payments for right-of-use-assets9 (5,129) Not reported in this filing1110 Not reported in this filing11
Payments for intangible assets (539) (5,334) (3,034)
Proceeds from sale of non-current assets held for sale12 58,848 12,000 1,952
Net cash (used in)/from investing activities13 (4,977,926) 150,18614 (4,587,800)
Payment of principal on borrowings15 (242,544) (52,140) (24,863)
Loan drawdown 311,677 289,574 149,000
Principal elements of lease payments (40,536) (25,813) (60,544)
Dividend paid (109,667) Not reported in this filing1610 Not reported in this filing16
Net cash (used in)/from financing activities17 (81,070) 211,621 63,593
Net (decrease)/increase in cash and cash equivalents18 (5,818,722) 6,697,690 6,904,148
Effects of exchange rate changes on cash and cash equivalents (30,266) 2,800,738 703,863
Cash and cash equivalents at beginning of year 20,755,192 11,256,764 3,648,753
Cash and cash equivalents at end of the year19 14,906,204 20,755,192 11,256,764
Acquisition of investment securities20 Not reported in this filing21 (11,910,136) (12,602,569)
Proceeds from sale of investment securities22 Not reported in this filing21 12,097,106 8,063,412
Disposal of subsidiaries23 Not reported in this filing24 –25 –25
  1. Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_investing.
Notes and alternative reported figures (24)
  1. Printed under different labels across filings: “Cash (used in)/ from operations”; “Cash generated from operating activities”.
  2. Published summary of audited statements dated 2026-03-31 prints 4,503,347 (thousands, p2) for this line and year.
  3. “Interest paid” is an issuer-specific line, not mapped to a shared definition: Operating: interest paid on deposits and borrowings.
  4. Printed under different labels across filings: “Cash flows (used in)/from operating activities”; “Net cash flows from operating activities”.
  5. Published summary of audited statements dated 2026-03-31 prints 7,566,656 (thousands, p2) for this line and year.
  6. “Net sales or purchases of investment securities” is an issuer-specific line, not mapped to a shared definition: Investing (net).
  7. Published summary of audited statements dated 2026-03-31 presents this line for this year: (1,043,803) (p2). Not shown in this column, which follows one filing's presentation.
  8. Not reported in this filing: Not printed as a net line: the FY2024 summary statement of cash flows (p2) prints 'Acquisition of investment securities' and 'Proceeds from sale of investment securities' as separate lines (already transcribed) and no net sales/purchases line. Text layer.
  9. “Payments for right-of-use-assets” is an issuer-specific line, not mapped to a shared definition: Investing.
  10. Published summary of audited statements dated 2026-03-31 presents this line for this year: - (p2). Not shown in this column, which follows one filing's presentation.
  11. Not reported in this filing: Not printed: the FY2024 summary statement of cash flows (p2) has no 'Payments for right-of-use-assets' line; its investing lines are acquisition/proceeds of investment securities, proceeds from and payments for property and equipment, disposal of subsidiaries, payments for intangible assets and proceeds from non-current assets held for sale. Text layer.
  12. “Proceeds from sale of non-current assets held for sale” is an issuer-specific line, not mapped to a shared definition: Investing.
  13. Printed under different labels across filings: “Net cash (used in)/from investing activities”; “Net cash used in investing activities”.
  14. Published summary of audited statements dated 2026-03-31 prints (1,080,587) (thousands, p2) for this line and year.
  15. Printed under different labels across filings: “Payment of principal on borrowings”; “Principal repayment of borrowed funds”.
  16. Not reported in this filing: Not printed: the FY2024 summary statement of cash flows (p2) has no dividend line; its financing lines are 'Principal repayment of borrowed funds', 'Loan drawdown' and 'Principal elements of lease payments'. Text layer.
  17. Printed under different labels across filings: “Net cash (used in)/from financing activities”; “Net cash used in financing activities”.
  18. Printed under different labels across filings: “Net (decrease)/increase in cash and cash equivalents”; “Net increase in cash and cash equivalents”.
  19. Printed under different labels across filings: “Cash and cash equivalents at end of the year”; “Cash and cash equivalents at end of the year**”.
  20. “Acquisition of investment securities” is an issuer-specific line, not mapped to a shared definition: Investing (gross; FY2025 prints a net line).
  21. Not reported in this filing: Not reported separately: included in 'Net sales or purchases of investment securities' (4,938,567) (p2) in the FY2025 summary statement of cash flows. Text layer.
  22. “Proceeds from sale of investment securities” is an issuer-specific line, not mapped to a shared definition: Investing (gross; FY2025 prints a net line).
  23. “Disposal of subsidiaries” is an issuer-specific line, not mapped to a shared definition: Investing (nil in the Group columns).
  24. Not reported in this filing: Not printed: the FY2025 summary statement of cash flows (p2) has no 'Disposal of subsidiaries' line; its investing lines are 'Net sales or purchases of investment securities', proceeds from sale of property and equipment, payments for property/intangibles and proceeds from non-current assets held for sale. Text layer.

Per share and shares

Per share and shares. Columns: FY2025 — published summary of audited statements (signed / final), as reported for the year; FY2024 — published summary of audited statements (signed / final), as reported for the year; FY2023 — published summary of audited statements (signed / final), comparative reported in the published summary of audited statements for 2024.
Line (as printed) FY2025Published summary of audited statements (summary)reported for the yearFY2024Published summary of audited statements (summary)reported for the yearsource limitationsFY2023Published summary of audited statements (summary)comparative in FY2024 filingsource limitations
Earnings / (loss) per share (per share)4 5.651 5.272 1.963
Profit / (loss) attributable to shareholders (GHS thousands)5 1,822,673 1,699,854 632,600
  1. Printed as 565 pesewas; value converted to GHS at 100 pesewas = 1 GHS.
  2. Printed as 527 pesewas; value converted to GHS at 100 pesewas = 1 GHS.
  3. Printed as 196 pesewas; value converted to GHS at 100 pesewas = 1 GHS.
Notes and alternative reported figures (2)
  1. Earnings / (loss) per share: printed as “Basic and diluted (in Ghana pesewas)”.
  2. Profit / (loss) attributable to shareholders: printed as “Parent”.

Segments

Segment data not yet collected for this company in the pilot.

Dividends

Proposed or recommended, declared and paid are different events and are kept apart. A statement that no dividend was proposed does not mean none was paid.

Dividend events, the issuer's wording, and amounts as printed
Year endedEventWording as printedAmountUnitSource
31 Dec 2025 Dividends paid (cash flow statement) Dividend paid (109,667) GHS thousands Summary statements, p2

Sources

Each filing used on this page, newest period first. Dates are the document's own; the date we retrieved a file is shown separately and is never a publication date.

  • Ecobank Ghana PLC and its Subsidiaries — Summary Consolidated and Separate Financial Statements Prepared from the Audited Financial Statements for the Year Ended 31 Dececember 2025

    Year ended 31 December 2025 · Published summary of audited statements (summary) · signed / final

    Audit: KPMG, Chartered Accountants, Accra (ICAG/F/2026/038), unmodified opinion · signed

    Auditor's sign-off: KPMG (firm signature); engagement partner Frederick Nyan Dennis (ICAG/P/1426)

    Final status: An independent auditor's report on the summary consolidated and separate financial statements (ISA 810 (Revised)) is printed, signed by hand 'KPMG' on the signature line 'FOR AND ON BEHALF OF: KPMG: (ICAG/F/2026/038)', engagement partner Frederick Nyan Dennis (ICAG/P/1426), dated '31-Mar-26' (PDF p2, page image). The directors' statement is typed 'Signed' for Abena Osei-Poku (Managing Director) and Henry Dodoo-Amoo (Director), with no date (PDF p2). Published by the issuer through the Ghana Stock Exchange (press release PR-103).

    Document date
    31 Mar 2026
    Auditor's report
    31 Mar 2026
    Board approval
    date not found in this document
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2025
    Basis
    consolidated statements · GHS thousands (printed “All amounts are expressed in thousands of Ghana cedis, GHS”)
    • Cash and cash equivalents at the end of the year in the cash-flow statement (14,906,204; 2024: 20,755,192) differ from cash and cash equivalents in the statement of financial position (14,896,133; 2024: 20,742,337) (p1, p2); no reconciliation is printed in the summary. Kept as printed.
    • The equity total is labelled 'Total equity attributable to equity holders of the Bank' but includes the non-controlling interest line (p1); recorded as total equity. 'Revenue' is the printed subtotal of net interest, net fee and commission and net trading income.
    • Independent Auditor's Report on the summary consolidated and separate financial statements (p2): 'In our opinion, the accompanying summary consolidated and separate financial statements are a fair summary of the audited consolidated and separate financial statements, in accordance with the basis described in the note 4.' Conducted under ISA 810 (Revised); signed for KPMG, 31-Mar-26. It states: 'We expressed an unmodified audit opinion on the audited consolidated and separate financial statements in our report dated 31 March 2026.'
    • Summary statements of comprehensive income, financial position and changes in equity (p1) and of cash flows (p2), Group and Bank, with condensed lines; disclosures of contingent liabilities and regulatory ratios and short notes on basis of preparation and risk management (p2). No full notes; the operating cash flow starts from 'Cash (used in)/ from operations' without its reconciliation.
    Technical details
    File
    2 pages, with a text layer
    SHA-256
    2e8ddbcf14909607cad053921ee222f55df9cd8a48083aea443afdb29520fb9f
    Entity as printed
    Ecobank Ghana PLC and its Subsidiaries (the Bank and the Group)
    Exchange copy
    retrieved 2026-10-08T17:51:37Z

  • Ecobank Ghana PLC and its Subsidiaries — Summary consolidated and separate financial statements prepared from the Audited Financial Statement for the year ended 31 December 2024

    Year ended 31 December 2024 · Published summary of audited statements (summary) · signed / final

    Audit: KPMG, Chartered Accountants, Accra (ICAG/F/2025/038), unmodified opinion · signed

    Auditor's sign-off: KPMG (firm signature); engagement partner Frederick Nyan Dennis (ICAG/P/1426)

    Final status: An independent auditor's report on the summary consolidated and separate financial statements (ISA 810 (Revised)) is printed, signed by hand 'KPMG' above 'FOR AND ON BEHALF OF: KPMG: (ICAG/F/2025/038)', engagement partner Frederick Nyan Dennis (ICAG/P/1426), dated 28 March 2025 (PDF p2, page image). The directors' statement is typed 'Signed' for Samuel Ashitey Adjei (Board Chairman) and Abena Osei-Poku (Managing Director), with no date; note 3 states the full statements were authorised for issue by the Board on 26th March 2025 (PDF p2). Published through the Ghana Stock Exchange (press release PR-095).

    Document date
    28 Mar 2025
    Published
    28 Mar 2025
    Auditor's report
    28 Mar 2025
    Board approval
    26 Mar 2025
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2024, FY2023
    Basis
    consolidated statements · GHS thousands (printed “All amounts are expressed in thousands of Ghana cedis, GHS”)
    • Cash and cash equivalents at the end of the year in the cash-flow statement (20,755,192) differ from cash and cash equivalents in the statement of financial position (20,742,337) by 12,855: the footnote on p2 states the cash-flow figure excludes expected credit losses in cash of GhS12.855 million (2023: Nil). Kept as printed.
    • The equity total is labelled 'Total equity attributable to equity holders' but includes the non-controlling interest line (p1); recorded as total equity. 'Revenue' is the printed subtotal of net interest, net fee and commission and net trading income. Investing and financing totals are labelled 'Net cash used in' although Group 2024 investing and both financing years are net inflows.
    • Independent Auditor's Report on the summary consolidated and separate financial statements (p2): 'In our opinion, the accompanying summary consolidated and separate financial statements are a fair summary of the audited consolidated and separate financial statements, in accordance with the basis described in the Note 4'. Conducted under ISA 810 (Revised); signed for KPMG, 28 March 2025. It states: 'We expressed an unmodified audit opinion on the audited consolidated and separate financial statements in our report dated 28 March 2025.'
    • Summary statements of changes in equity, comprehensive income and financial position (p1) and of cash flows (p2), Group and Bank, with condensed lines; notes on contingent liabilities, quantitative (regulatory) disclosures, general information, basis of preparation and risk management (p2). No full notes.
    Technical details
    File
    2 pages, with a text layer
    SHA-256
    7a20e08357df57a5c70f80dc379b2c32aa2e0b6079a0df235712a62a257b4938
    Entity as printed
    Ecobank Ghana PLC and its Subsidiaries (the Bank and the Group)
    Exchange copy
    retrieved 2026-10-08T17:53:05Z

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