Kintampo Community Bank profit climbs 35% as income growth accelerates in 2025

Kintampo Community Bank PLC recorded a 35.13% increase in profit before tax for the 2025 financial year, driven by strong lending activity, growth in interest income, and an expanded customer deposit base.

The Bono East-based bank posted a profit before tax of GH¢13.90 million in 2025, up from GH¢10.29 million in 2024. Profit after tax also rose significantly to GH¢9.68 million from GH¢6.93 million in the previous year.

Total income increased by 20.14% to GH¢35.31 million, compared to GH¢29.39 million in 2024, largely supported by a 31.18% increase in income from loans and overdrafts.

The bank's loan portfolio grew by 42.01% to GH¢63.08 million from GH¢44.42 million, with credit extended mainly to agriculture, cottage industries, transport operators and trading businesses.

Customer deposits rose by 31.53% to GH¢141.35 million from GH¢107.47 million, contributing to a 41.71% growth in total assets, which reached GH¢185.73 million. Investments also increased to GH¢88.96 million from GH¢64.89 million.

Speaking at the bank's 40th Annual General Meeting in Kintampo, Board Chairman Nana Owusu Gyare II attributed the strong performance to resilient economic activity within the bank's operational area despite broader macroeconomic challenges.

He noted that agriculture and small-scale trading, which form the backbone of the local economy, remained active throughout the year and continued to support the bank's growth.

According to Nana Gyare, the bank maintained a capital adequacy ratio of 29.54%, reflecting a strong capital position amid ongoing digital transformation and risk management reforms within Ghana's banking sector.

Shareholders' funds increased by 40.49% to GH¢28.65 million from GH¢20.39 million, while stated capital rose by 8.92% to GH¢4.53 million. The statutory reserve fund also grew to GH¢6.44 million from GH¢5.23 million following a transfer of GH¢1.2 million aimed at strengthening the bank's balance sheet.

The Board has proposed a dividend payment of GH¢1.79 million on 27,959,859 ordinary shares, subject to approval by the Bank of Ghana.

On corporate social responsibility, the bank reported that its CSR Fund stood at GH¢484,024 at the end of 2025. Direct spending on social responsibility initiatives increased by 35.43% year-on-year to GH¢117,458.

2026 Outlook
Looking ahead, Nana Gyare disclosed that the bank has successfully met the Bank of Ghana's revised minimum capital requirement of GH¢5 million under the country's microfinance framework.

He said the institution is now targeting stated capital of GH¢10 million by December 31, 2026.

Achieving that target, he explained, would position the bank to seek reclassification as an Urban Community Bank, enabling it to expand into additional urban markets and broaden its service offerings.

The bank is also exploring participation in the Financial Institution Resilience and Strengthening (FIRST+ II) Programme, a partnership between the Mastercard Foundation and CapitalPlus Exchange designed to promote employment opportunities for young people and women.

Management believes the programme will strengthen the bank's risk management systems, enhance staff capacity and support the adoption of cash flow-based lending technologies.

The initiative is also expected to help the bank develop innovative financial products targeted at small and medium-sized enterprises, particularly women-owned and youth-led businesses, which the bank considers underserved within its operational area.