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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

Republic Bank Ghana

RBGH · Ghana Stock Exchange · Consolidated statements

On this page
Company details
Legal name
Republic Bank (Ghana) PLC
Listing
RBGH 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 · annual report, signed / final · source

Source and wording notes

  • Auditor's emphasis of matter

    Other matters (p65, printed): 'The Consolidated and Separate financial statements of the Bank for the year ended 31 December 2024 were audited by another auditor who expressed an unmodified opinion on those statements on 28 February 2025.' As printed it names the current year and the report's own date; it reads like an unedited predecessor-auditor paragraph (presumably meant for the year ended 31 December 2023). Recorded as printed.

    Source: Republic Bank (Ghana) PLC Annual Report 2024 (dated 2025-02-28)

FY2024 figures come from an annual report, signed / final; FY2023 figures come from an annual report, signed / final — see the column notes.

  • Net interest income

    GHS 754 million

    754,449 GHS thousands · p76

    Change not shown.

    Interest income less interest expense, as printed.

  • Operating income

    GHS 1.05 billion

    1,048,178 GHS thousands · p76

    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 288 million

    287,937 GHS thousands · p76

    Change not shown.

  • Total assets

    GHS 12.3 billion

    12,335,201 GHS thousands · p77

    Change not shown.

  • Customer deposits

    GHS 8.29 billion

    8,292,268 GHS thousands · p77

    Change not shown.

  • Total equity

    GHS 1.34 billion

    1,343,633 GHS thousands · p77

    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 — annual report, signed / final; reported for the year · source
  • FY2024 — annual report, signed / final; reported for the year · source
    • Auditor's emphasis of matter. Other matters (p65, printed): 'The Consolidated and Separate financial statements of the Bank for the year ended 31 December 2024 were audited by another auditor who expressed an unmodified opinion on those statements on 28 February 2025.' As printed it names the current year and the report's own date; it reads like an unedited predecessor-auditor paragraph (presumably meant for the year ended 31 December 2023). Recorded as printed.
  • FY2023 — annual report, signed / final; comparative in the FY2024 filing · source
    • Auditor's emphasis of matter. Other matters (p65, printed): 'The Consolidated and Separate financial statements of the Bank for the year ended 31 December 2024 were audited by another auditor who expressed an unmodified opinion on those statements on 28 February 2025.' As printed it names the current year and the report's own date; it reads like an unedited predecessor-auditor paragraph (presumably meant for the year ended 31 December 2023). Recorded as printed.
  • FY2022 — annual report, signed / final; comparative in the FY2023 filing · source

Income statement

Income statement, GHS thousands. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), as reported for the year; FY2023 — annual report (signed / final), comparative reported in the annual report for 2024; FY2022 — annual report (signed / final), comparative reported in the annual report for 2023.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportreported for the yearsource limitationsFY2023Annual reportcomparative in FY2024 filingsource limitationsFY2022Annual reportcomparative in FY2023 filing
Interest income calculated using effective interest method1 1,286,856 1,202,269 975,427 625,157
Interest expense calculated using effective interest method2 (532,407) (552,118) (417,866) (232,234)
Net interest income 754,449 650,151 557,561 392,923
Fee and commission income 173,257 148,560 109,198 84,884
Fee and commission expense (5,547) (5,075) (3,116) (1,708)
Net fee and commission income 167,710 143,485 106,082 83,176
Net trading income 55,633 49,924 55,222 34,014
Net income from investments at fair value through. profit & loss34 23,6155 5,334 –6 4,692
Other operating income 21,776 7,376 19,164 18,493
Other income7 25,995 12,897 14,104 17,805
Operating income 1,048,178 869,167 752,133 551,103
Net impairment loss on financial assets (20,696) (31,609) (66,094) (241,607)
Personnel expenses (311,926) (283,407) (233,734) (186,374)
Lease expenses8 (4,034) (2,263) (767) (2,374)
Depreciation and amortization9 (58,582) (43,561) (34,800) (26,934)
Other expenses (213,648) (179,288) (164,313) (109,009)
Profit before income tax for the year10 440,292 329,039 252,425 (15,195)
Growth and Sustainability Levy11 (21,979) (16,563) (12,571) (664)
Financial Sector Recovery Levy12 (19,642) (14,877) (11,577) –13
Income tax expense14 (110,734) (86,920) (83,243) (45,268)
Profit for the year15 287,937 210,679 145,034 (61,127)
Other comprehensive income for the year –16 –16 –16 38,429
Total comprehensive income for the year17 287,937 210,679 145,034 (22,698)
Non-controlling Interest1819 11,039 8,813 5,008 2,552
Revenue Not reported in this filing20 856,270 738,029 533,298
  1. Printed “23,615,”; read as 23,615. p76: Printed '23,615,' with a stray trailing comma (text layer and page image, p76); read as 23,615, the figure the cash flow statement prints for the same item ((23,615), p82).
  2. Printed “-”, read as nil: subtotal_arithmetic: is.revenue.
  3. Printed “-”, read as nil: subtotal_arithmetic: is.profit_for_year.
  4. Printed “-”, read as nil: subtotal_arithmetic: is.total_comprehensive_income.
Notes and alternative reported figures (16)
  1. Printed under different labels across filings: “Interest income calculated using effective interest method”; “Interest income using effective interest method”.
  2. Printed under different labels across filings: “Interest expense”; “Interest expense calculated using effective interest method”.
  3. “Net income from investments at fair value through. profit & loss” is an issuer-specific line, not mapped to a shared definition: Note 12a.
  4. Printed under different labels across filings: “Net income from investments at fair value through. profit & loss”; “Net income from investments at fair value thru. profit & loss”.
  5. “Other income” is an issuer-specific line, not mapped to a shared definition: Note 12c: other income printed apart from other operating income.
  6. “Lease expenses” is an issuer-specific line, not mapped to a shared definition: Note 15.
  7. “Depreciation and amortization” is an issuer-specific line, not mapped to a shared definition: Note 16: depreciation of property and equipment and right-of-use assets with amortisation of intangibles, one line.
  8. Printed under different labels across filings: “Profit / (loss) before income tax for the year”; “Profit before income tax for the year”.
  9. “Growth and Sustainability Levy” is an issuer-specific line, not mapped to a shared definition: Note 18: levy on profit before tax, presented above income tax.
  10. “Financial Sector Recovery Levy” is an issuer-specific line, not mapped to a shared definition: Note 18: levy on profit before tax, presented above income tax.
  11. Printed under different labels across filings: “Income tax expense”; “Tax expense”.
  12. Printed under different labels across filings: “Profit / (loss) for the year”; “Profit for the year”.
  13. Printed under different labels across filings: “Total comprehensive income /(loss) for the year”; “Total comprehensive income for the year”.
  14. “Non-controlling Interest” is an issuer-specific line, not mapped to a shared definition: Profit for the year attributable to non-controlling interest.
  15. Printed under different labels across filings: “Non-controlling Interest”; “Non-controlling interest”.
  16. Not reported in this filing: Not printed: the 2025 statement of comprehensive income (p76) has no 'Revenue' subtotal (the FY2024 report printed one between 'Other operating income' and 'Other income'). In 2025 the lines run from 'Other income' straight to 'Operating income' (Group 1,048,178); its printed subtotals are 'Net interest income', 'Net fee and commission income', 'Operating income' and 'Profit before income tax for the year'. Checked on the page image (p76).

Balance sheet

Balance sheet, GHS thousands. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), as reported for the year; FY2023 — annual report (signed / final), comparative reported in the annual report for 2024; FY2022 — annual report (signed / final), comparative reported in the annual report for 2023.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportreported for the yearsource limitationsFY2023Annual reportcomparative in FY2024 filingsource limitationsFY2022Annual reportcomparative in FY2023 filing
Cash and cash equivalents 6,033,189 4,470,758 2,985,579 1,759,937
Pledged investment securities12 2,140,606 55,403 101,019 34,148
Investment securities 296,765 1,627,456 1,097,430 1,042,752
Loans and advances to customers 3,457,667 3,054,049 2,429,756 1,958,017
Investment in subsidiaries3 –4 –4 –4 –5
Deferred tax assets 6,987 4,0706 4,7477 27,558
Goodwill and intangible assets89 13,155 10,183 9,210 6,308
Other assets 61,119 63,418 41,479 30,823
Property and equipment 325,713 307,992 293,066 223,222
Total assets 12,335,201 9,593,32910 6,962,28611 5,107,525
Deposits from customers 8,292,268 6,056,125 5,841,981 4,068,545
Borrowing 2,091,662 1,732,880 –12 88,123
Current tax liabilities 14,696 2,464 3,870 –12
Bonds13 81,604 81,587 81,748 81,681
Other liabilities 511,338 664,343 187,635 140,938
Total liabilities 10,991,568 8,537,63314 6,115,27915 4,404,691
Stated capital 401,191 401,191 401,191 401,191
Retained earnings/ (Accumulated losses)16 237,991 35,484 (100,956) (160,222)
Statutory reserve fund17 368,101 304,453 257,527 192,325
Revaluation reserve 63,281 63,281 63,281 63,281
Regulatory credit risk reserve 241,674 230,931 212,431 196,873
Housing development assistance reserve18 744 744 744 744
Total equity attributable to equity holders of the Bank 1,312,982 1,036,084 834,218 694,192
Non-controlling interest 30,651 19,612 12,789 8,642
Total equity 1,343,633 1,055,696 847,007 702,834
Total liabilities and equity 12,335,201 9,593,32910 6,962,28611 5,107,525
Deferred tax liabilities Not reported in this filing19 234 4520 25,404
Investment securities at FVOCI Not reported in this filing21 Not reported in this filing22 Not reported in this filing2423 11,185
Current tax assets Not reported in this filing25 Not reported in this filing26 Not reported in this filing2623 13,575
  1. Printed “-”, read as nil: subtotal_arithmetic: bs.total_assets.
  2. Printed “-”; reading unresolved, so no amount is shown. Printed dash, read on the page image (p60); recorded as printed and not interpreted as nil. Group column, 2022 (the Bank column prints 13,543).
  3. Printed “-”, read as nil: subtotal_arithmetic: bs.total_liabilities.
Notes and alternative reported figures (23)
  1. “Pledged investment securities” is an issuer-specific line, not mapped to a shared definition: Note 20.
  2. Printed under different labels across filings: “Pledged assets”; “Pledged investment securities”.
  3. “Investment in subsidiaries” is an issuer-specific line, not mapped to a shared definition: Note 23: Bank-only line (the Group columns print a dash).
  4. Annual report dated 2026-02-27 prints 3,836 (thousands, p77) for this line and year.
  5. Annual report dated 2024-03-15 prints 32,899 (thousands, p60) for this line and year.
  6. “Goodwill and intangible assets”: mapping to a shared definition is uncertain. One line for goodwill and intangible assets.
  7. Printed under different labels across filings: “Goodwill and intangible assets”; “Intangible asset and Goodwill”.
  8. Annual report dated 2026-02-27 prints 9,593,095 (thousands, p77) for this line and year.
  9. Annual report dated 2024-03-15 prints 6,990,438 (thousands, p60) for this line and year.
  10. “Bonds” is an issuer-specific line, not mapped to a shared definition: Note 31: bonds issued.
  11. Annual report dated 2026-02-27 prints 8,537,399 (thousands, p77) for this line and year.
  12. Annual report dated 2024-03-15 prints 6,143,431 (thousands, p60) for this line and year.
  13. Printed under different labels across filings: “Income (deficit)/ surplus”; “Income surplus”; “Retained earnings/ (Accumulated losses)”.
  14. “Statutory reserve fund” is an issuer-specific line, not mapped to a shared definition: Note 35: reserve required by the Banks and Specialised Deposit-Taking Institutions Act.
  15. “Housing development assistance reserve” is an issuer-specific line, not mapped to a shared definition: Note 38.
  16. Not reported in this filing: Not printed: the 2025 statement of financial position (p77) has no 'Deferred tax liabilities' line in either year; its liabilities are 'Deposits from customers', 'Borrowing', 'Current tax liabilities', 'Bonds' and 'Other liabilities'. Only 'Deferred tax assets' (Group 6,987) appears. Checked on the page image (p77).
  17. Annual report dated 2024-03-15 prints 28,197 (thousands, p60) for this line and year.
  18. Not reported in this filing: Not printed: the 2025 statement of financial position (p77) has no 'Investment securities at FVOCI' line; it prints 'Pledged investment securities' and 'Investment securities' (Group 296,765). Checked on the page image (p77).
  19. Not reported in this filing: Not printed: the FY2024 statement of financial position (p67) has no 'Investment securities at FVOCI' line in either year; it prints 'Pledged assets' and 'Investment securities' for 2024. Checked on the page image (p67).
  20. Annual report dated 2024-03-15 presents this line for this year: - (p60). Not shown in this column, which follows one filing's presentation.
  21. Not reported in this filing: Not printed: the FY2024 statement of financial position (p67) has no 'Investment securities at FVOCI' line in either year; it prints 'Pledged assets' and 'Investment securities' for 2023. Checked on the page image (p67).
  22. Not reported in this filing: Not printed: the 2025 statement of financial position (p77) has no 'Current tax assets' line; the only current tax line is 'Current tax liabilities' (Group 14,696) under liabilities. Checked on the page image (p77).
  23. Not reported in this filing: Not printed: the FY2024 statement of financial position (p67) has no 'Current tax assets' line in either year; the only current tax line is 'Current tax liabilities' under liabilities. Checked on the page image (p67).

Cash flow

Cash flow, GHS thousands. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), as reported for the year; FY2023 — annual report (signed / final), comparative reported in the annual report for 2024; FY2022 — annual report (signed / final), comparative reported in the annual report for 2023.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportreported for the yearsource limitationsFY2023Annual reportcomparative in FY2024 filingsource limitationsFY2022Annual reportcomparative in FY2023 filing
Cash generated from operations (723,343) (271,208) 899,725 432,903
Interest paid1 (225,153) (388,323) (368,070)2 (228,806)
Interest received 1,286,856 1,170,432 917,053 608,969
Income tax refund34 –5 –5 13,710 –5
Corporate income tax paid6 (103,539) (89,050) (82,710) (55,384)
Growth and sustainability levy paid789 (21,062) (15,955) (12,248) (4,425)
Financial Sector recovery levy paid10 (18,673) (13,895) (11,224) (4,358)
Net cash flow generated from operating activities11 195,086 392,001 1,356,23612 748,899
Purchase of property and equipment (71,071) (55,839) (101,093) (56,084)
Purchase of Intangible asset- software (8,631) (4,617) (6,576) (635)
Proceeds from sale of property and equipment 1,631 2,133 207 1,133
Purchase of investment securities at amortised cost13 (2,130,946) (1,434,714)14 (2,320,866) (1,243,754)
Proceeds from redemption of investment securities at amortised cost15 3,534,670 944,495 2,246,342 1,301,015
Proceeds from the sale of investment securities – FVTPL1617 –18 Not reported in this filing2019 Not reported in this filing2021 7,159
Purchase of investment securities – FVTPL22 (2,473) (644)23 (755) (2,223)
Net cash flow generated from /(used in) investing activities24 1,278,039 (549,186) (182,741) 6,611
Payment of lease liabilities (4,645) (3,967) (13,193) (9,927)
Payment of interest on lease liabilities (2,012) (1,663) (963) (371)
Payment of interest on borrowing (245,105) (167,775) (6,750) Not reported in this filing25
Proceeds from borrowings 3,115,621 1,685,758 –26 Not reported in this filing27
Repayment of borrowings (2,799,999) –26 (109,484) (91,870)
Repayment of bonds interest28 (18,359) Not reported in this filing3029 Not reported in this filing30 Not reported in this filing31
Net cash flow generated from financing activities32 45,501 1,512,353 (130,390)33 (102,168)
Net increase in cash and cash equivalents34 1,518,626 1,355,168 1,043,106 653,342
Effect of foreign exchange rates on cash & cash equivalents .35 43,805 130,011 182,536 160,533
Cash and cash equivalents as at 1 January36 4,470,758 2,985,579 1,759,937 946,062
Cash and cash equivalents as at 31 December 6,033,189 4,470,758 2,985,579 1,759,937
  1. Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_operations.
  2. Printed “-”; reading unresolved, so no amount is shown. Group 2025 prints a dash (page image, p83), but the Group 2025 investing total does not equal its printed components (issuer inconsistency), so no printed subtotal confirms a nil reading.
  3. Printed “-”, read as nil: subtotal_arithmetic: cf.cash_from_financing.
Notes and alternative reported figures (33)
  1. “Interest paid” is an issuer-specific line, not mapped to a shared definition: Operating activities: interest paid.
  2. Annual report dated 2024-03-15 prints (374,820) (thousands, p65) for this line and year.
  3. “Income tax refund” is an issuer-specific line, not mapped to a shared definition: Operating activities (note 24).
  4. Printed under different labels across filings: “Income tax refund”; “Tax refund”.
  5. Printed under different labels across filings: “Corporate income tax paid”; “Corporate tax paid”.
  6. “Growth and sustainability levy paid” is an issuer-specific line, not mapped to a shared definition: Operating activities (note 24).
  7. “Growth and sustainability levy paid”: mapping to a shared definition is uncertain. Printed 'National fiscal stabilization levy paid'; the income statement prints the levy as 'Growth and Sustainability Levy' and the FY2024 cash-flow statement as 'Growth and sustainability levy paid'.
  8. Printed under different labels across filings: “Growth and sustainability levy paid”; “National fiscal stabilization levy paid”.
  9. “Financial Sector recovery levy paid” is an issuer-specific line, not mapped to a shared definition: Operating activities (note 24).
  10. Printed under different labels across filings: “Net cash flow generated from operating activities”; “Net cash generated from operating activities”.
  11. Annual report dated 2024-03-15 prints 1,349,486 (thousands, p65) for this line and year.
  12. “Purchase of investment securities at amortised cost” is an issuer-specific line, not mapped to a shared definition: Investing activities.
  13. Annual report dated 2026-02-27 prints (1,436,002) (thousands, p83) for this line and year.
  14. “Proceeds from redemption of investment securities at amortised cost” is an issuer-specific line, not mapped to a shared definition: Investing activities.
  15. “Proceeds from the sale of investment securities – FVTPL” is an issuer-specific line, not mapped to a shared definition: Investing activities (note 21b).
  16. Printed under different labels across filings: “Proceeds from sale of investment securities – FVTPL”; “Proceeds from the sale of investment securities – FVTPL”.
  17. Annual report dated 2026-02-27 presents this line for this year: 644 (p83). Not shown in this column, which follows one filing's presentation.
  18. Not reported in this filing: Not printed: the FY2024 statement of cash flows (pp72-73) has no 'Proceeds from sale of investment securities – FVTPL' line in either year. Its FVTPL investing line is 'Purchase of investment securities – FVTPL' (Group 2024 (644); 2023 (755)), a different concept. Checked on the page image (p73).
  19. Annual report dated 2024-03-15 presents this line for this year: - (p66). Not shown in this column, which follows one filing's presentation.
  20. “Purchase of investment securities – FVTPL” is an issuer-specific line, not mapped to a shared definition: Investing activities (note 21b).
  21. Annual report dated 2026-02-27 prints - (thousands, p83) for this line and year.
  22. Printed under different labels across filings: “Net cash flow generated from /(used in) investing activities”; “Net cash flow used in investing activities”; “Net cash used in investing activities”.
  23. Not reported in this filing: Not printed: the FY2023 statement of cash flows (pp65-66) has no 'Payment of interest on borrowing' line for 2022. Its financing lines are 'Payment of lease liabilities', 'Payment of interest on lease liabilities' and 'Repayment of borrowings'; the operating section (p65) prints only a general 'Interest paid' (Group 2022 (228,806)). Checked on the page image (p66); p65 read on the text layer.
  24. Not reported in this filing: Not printed: the FY2023 statement of cash flows (pp65-66) has no 'Proceeds from borrowings' line for 2022. Its financing lines are 'Payment of lease liabilities', 'Payment of interest on lease liabilities' and 'Repayment of borrowings'; the operating section (p65) prints only a general 'Interest paid' (Group 2022 (228,806)). Checked on the page image (p66); p65 read on the text layer.
  25. “Repayment of bonds interest” is an issuer-specific line, not mapped to a shared definition: Financing activities (note 31): interest paid on bonds.
  26. Annual report dated 2026-02-27 presents this line for this year: - (p83). Not shown in this column, which follows one filing's presentation.
  27. Not reported in this filing: Not printed: the FY2024 statement of cash flows (pp72-73) has no bond-interest line. Its financing lines are 'Payment of lease liabilities', 'Payment of interest on lease liabilities', 'Payment of interest on borrowing', 'Proceeds from borrowings' and 'Repayment of borrowings'. Checked on the page image (p73).
  28. Not reported in this filing: Not printed: the FY2023 statement of cash flows (pp65-66) has no 'Repayment of bonds interest' line for 2022. Its financing lines are 'Payment of lease liabilities', 'Payment of interest on lease liabilities' and 'Repayment of borrowings'; the operating section (p65) prints only a general 'Interest paid' (Group 2022 (228,806)). Checked on the page image (p66); p65 read on the text layer.
  29. Printed under different labels across filings: “Net cash flow generated from / (used) in financing activities”; “Net cash flow generated from financing activities”; “Net cash used in financing activities”.
  30. Annual report dated 2024-03-15 prints (123,640) (thousands, p66) for this line and year.
  31. Printed under different labels across filings: “Increase in cash and cash equivalents”; “Net increase in cash and cash equivalents”.
  32. Printed under different labels across filings: “Effect of foreign exch. fluctuations on cash & cash equiv.”; “Effect of foreign exchange fluctuations on cash & cash equivalents.”; “Effect of foreign exchange rates on cash & cash equivalents .”.
  33. Printed under different labels across filings: “At 1 January”; “Cash and cash equivalents as at 1 January”.

Per share and shares

Per share and shares. Columns: FY2025 — annual report (signed / final), as reported for the year; FY2024 — annual report (signed / final), as reported for the year; FY2023 — annual report (signed / final), comparative reported in the annual report for 2024; FY2022 — annual report (signed / final), comparative reported in the annual report for 2023.
Line (as printed) FY2025Annual reportreported for the yearFY2024Annual reportreported for the yearsource limitationsFY2023Annual reportcomparative in FY2024 filingsource limitationsFY2022Annual reportcomparative in FY2023 filing
Earnings / (loss) per share (per share)61 Not reported in this filing2 0.23693 0.16444 (0.0747)5
Profit / (loss) attributable to shareholders (GHS thousands)7 276,898 201,866 140,026 (63,679)
  1. Printed as 23.69 pesewas; value converted to GHS at 100 pesewas = 1 GHS.
  2. Printed as 16.44 pesewas; value converted to GHS at 100 pesewas = 1 GHS.
  3. Printed as (7.47) pesewas; value converted to GHS at 100 pesewas = 1 GHS.
Notes and alternative reported figures (4)
  1. Printed under different labels across filings: “Basic earnings/ (loss) per share (Ghana pesewas)”; “Basic earnings/per share (Ghana pesewas)”.
  2. Not reported in this filing: Not printed in the financial statements (p76; no EPS note). The unaudited performance review (PDF p48) prints basic and diluted EPS of 32.50 pesewas (2024: 23.69) in a table and 30.64 pesewas in its text; not transcribed.
  3. Earnings / (loss) per share: printed as “Basic earnings/per share (Ghana pesewas)”.
  4. Profit / (loss) attributable to shareholders: printed as “Controlling Equity holders of the bank”.

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.

No dividend statement or amount collected.

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.

  • Republic Bank (Ghana) PLC 2025 Annual Report

    Year ended 31 December 2025 · Annual report · signed / final

    Audit: Ernst & Young, Chartered Accountants, Accra, unmodified opinion · signed

    Auditor's sign-off: Ernst & Young (ICAG/F/2026/126); engagement partner Emmanuel Adekahlor (ICAG/P/1596)

    Final status: Independent auditor's report (opinion PDF p71) signed with a handwritten 'Ernst & Young' signature above 'Ernst & Young (ICAG/F/2026/126) Chartered Accountants, Accra, Ghana', dated 27th February, 2026; engagement partner Emmanuel Adekahlor (ICAG/P/1596) (PDF p75, page image). The statement of financial position was approved by the Board of Directors on February 26, 2026 and carries two handwritten signatures (Dr. Benjamin Dzoboku, Mr. Jonathan Prince Cann) (PDF p77, page image).

    Document date
    27 Feb 2026
    Auditor's report
    27 Feb 2026
    Board approval
    26 Feb 2026
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2025
    Basis
    consolidated statements · GHS thousands (printed “In thousands of GH¢”)
    • Group 2025 net cash flow from investing activities is printed 1,278,039 (p83, page image), but its printed components add to 1,323,180 (difference 45,141); the printed total is the one that reconciles with the net increase in cash (195,086 + 1,278,039 + 45,501 = 1,518,626). The Bank 2025 and Group 2024 columns add. Kept as printed; the Group 2025 dash for sale of FVTPL securities is left unresolved, so the 2025 investing check is not assessable.
    • Group 2025 operating income is printed 1,048,178 (p76, page image), but its printed components (754,449 + 167,710 + 55,633 + 23,615 + 21,776 + 25,995) add to 1,049,178, and profit before income tax (440,292) equals 1,049,178 less the printed expense lines. Kept as printed: the operating income and profit before tax checks fail by 1,000 for 2025.
    • Group 2025 net income from investments at fair value through profit or loss is printed '23,615,' with a trailing comma (p76, text layer and page image); read as 23,615 (interpreted).
    • Growth and Sustainability Levy and Financial Sector Recovery Levy are presented between profit before income tax and income tax expense; no total tax line is printed (p76).
    • Repayment of borrowings (note 30) prints (2,799,999) for 2025 in both columns and no 2024 amount (blank cells, p83 page image); the 2024 financing total agrees without it.
    • The contents page (PDF p5) is headed 'Republic Bank (Grenada) Limited 2025 Annual Report' in the text layer, an apparent template remnant; the cover, running headers, statements and auditor's report all name Republic Bank (Ghana) PLC.
    Technical details
    File
    214 pages, with a text layer
    SHA-256
    f22320e0ca77c317364af745ca5f3d509b95ff18c68f7850dc130575d4ebef9f
    Entity as printed
    Republic Bank (Ghana) PLC (the Bank) and its subsidiaries (collectively the Group)
    Issuer copy
    retrieved 2026-10-08T20:39:43Z

  • Republic Bank (Ghana) PLC Annual Report 2024

    Year ended 31 December 2024 · Annual report · signed / final

    Audit: Ernst & Young, Chartered Accountants, Accra, unmodified opinion · signed

    Auditor's sign-off: Ernst & Young (ICAG/F/2025/126); engagement partner Emmanuel Adekahlor (ICAG/P/1596)

    Final status: Independent auditor's report (opinion PDF p61) signed with a handwritten 'Ernst & Young' signature above 'Ernst & Young (ICAG/F/2025/126) Chartered Accountants, Accra, Ghana', 'Date: 28th February, 2025'; engagement partner Emmanuel Adekahlor (ICAG/P/1596) (PDF p65, page image). The statements were approved by the Board of Directors on 19th February, 2025 and carry two handwritten signatures (Dr. Benjamin Dzoboku, Mr. David Addo-Ashong) (PDF p67, page image).

    Document date
    28 Feb 2025
    Auditor's report
    28 Feb 2025
    Board approval
    19 Feb 2025
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2024, FY2023
    Basis
    consolidated statements · GHS thousands (printed “In thousands of GHS”)
    • HIDDEN TEXT ON THE AUDITOR'S SIGNATURE PAGE: the text layer of PDF p65 holds text that is not printed on the page: a second signature block ('Emmanuel Adekahlor (ICAG/P/1596). Ernst & Young (ICAG/F/2025/126) Chartered Accountants Accra, Ghana Date: 28 February 2025') and fragments of an auditor's report on summary financial statements ('Reading the summary financial statements and the Auditor's report thereon, therefore is not a substitute for reading the audited financial statements ...'). It holds no figures; the printed page (render) shows only the report on the full statements, signed and dated 28th February, 2025.
    • The 2024 statement of comprehensive income prints a 'Revenue' subtotal (Group 856,270; 2023: 738,029) before 'Other income' and 'Operating income'. Basic and diluted EPS are printed equal (p66). The FY2025 report restates nothing for 2024 that is used here; the 2024 figures are as printed in this report.
    Technical details
    File
    220 pages, with a text layer
    SHA-256
    8761408b573fed6e51934abcb635094703d962169ea3659e0caeccd4a3f1c4f4
    Entity as printed
    Republic Bank (Ghana) PLC (the Bank) and its subsidiaries (collectively the Group)
    Issuer copy
    retrieved 2026-10-08T20:39:39Z

  • Republic Bank (Ghana) PLC Annual Report 2023

    Year ended 31 December 2023 · Annual report · signed / final

    Audit: KPMG, Chartered Accountants, Accra, unmodified opinion · signed

    Auditor's sign-off: KPMG (ICAG/F/2024/038); engagement partner Frederick Nyan Dennis (ICAG/P/1426)

    Final status: Independent auditor's report of KPMG (opinion PDF p53) closes on PDF p58 with a handwritten 'KPMG' signature above 'FOR AND ON BEHALF OF: KPMG: (ICAG/F/2024/038) CHARTERED ACCOUNTANTS ... ACCRA' and a handwritten date '15 March' before the printed '2024'; engagement partner Frederick Nyan Dennis (ICAG/P/1426) (page image). The statements were approved by the Board of directors on 21st February, 2024 and carry two handwritten signatures (Mr. Benjamin Dzoboku, Mr. David Addo-Ashong) (PDF p60, page image).

    Document date
    15 Mar 2024
    Auditor's report
    15 Mar 2024
    Board approval
    21 Feb 2024
    Retrieved by us
    8 Oct 2026 (not a publication date)
    Used for
    statement columns FY2022
    Basis
    consolidated statements · GHS thousands (printed “In thousands of GH¢”)
    • Columns are printed Bank 2023, Group 2023, Bank 2022, Group 2022; the Group columns are read at positions 1 and 3. The statement of comprehensive income prints a 'Revenue' subtotal (Group 738,029; 2022: 533,298) before 'Other income' and 'Operating income'. Basic and diluted EPS are printed equal (p59). Page headers print 'Reoublic Bank Annual Report 2023' (sic).
    • The FY2024 report (fin-r54-w02) prints the same Group 2023 figures as its comparatives for the lines checked (revenue 738,029; EPS 16.44 pesewas). No hidden figures differing from the printed pages were found on the statement or auditor's signature pages.
    Technical details
    File
    208 pages, with a text layer
    SHA-256
    5d2f240a9db4c6f3ecf6d71a5cf3916f338f0d3cee1173c79cce99f85ff5da30
    Entity as printed
    Republic Bank (Ghana) PLC ('the Group and Bank') (auditor's report, PDF p53)
    Issuer copy
    retrieved 2026-10-08T20:39:49Z

Data notes

  • Net income from investments at fair value through. profit & loss — Printed '23,615,'; read as '23,615'. Printed '23,615,' with a stray trailing comma (text layer and page image, p76); read as 23,615, the figure the cash flow statement prints for the same item ((23,615), p82). (Republic Bank (Ghana) PLC 2025 Annual Report, p76)

Review status: 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 is pending for every figure; automated checks and the AI-assisted verification are not independent review.

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Figures shown on this page (CSV) — the same selected figures at their exact printed values, each with its source document, SHA-256, page, selection rule and reading. Independent review of these figures is pending.

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