The Agricultural Development Bank PLC (ADB) has cemented its place as one of Ghana’s most resilient and fast-recovering financial institutions after posting an impressive profit before tax of GH¢447.49 million in the third quarter (Q3) of 2025.
This represents a remarkable 153.66% growth compared to the GH¢176.41 million recorded during the same period in 2024.
The significant leap in profitability underscores the success of the Bank’s transformation strategy, which has focused on operational efficiency, prudent financial management, and strategic investments in key sectors of the economy, particularly agriculture.
ADB’s strong showing in Q3 2025 was underpinned by steady balance sheet growth. The Bank’s total assets expanded by 17%, rising from GH¢13.87 billion in September 2024 to GH¢16.22 billion by September 2025. This reflects robust growth in customer deposits and investment securities, reinforcing the Bank’s growing confidence among clients and investors alike.
Customer deposits surged to GH¢12.85 billion, up from GH¢11.15 billion a year earlier, while net investment securities jumped from GH¢4.71 billion to GH¢6.45 billion over the same period. The figures highlight not only the Bank’s financial strength but also its capacity to attract and retain customer trust in a competitive banking environment.
Income Growth Driven by Strategic Reforms
Another significant highlight of ADB’s Q3 results was the growth in net interest income, which rose to GH¢918.1 million, compared to GH¢551.0 million in 2024. This impressive 67% surge was driven by strong yields on investments and well-executed income-generating initiatives under the Bank’s new strategic direction.
Total operating income also recorded a robust 53.5% year-on-year growth, climbing from GH¢765.7 million in 2024 to GH¢1.17 billion in 2025. This growth trajectory, according to management, reflects the effectiveness of the Bank’s refined business model and improved operational systems.
Commenting on the Bank’s performance, the Managing Director of ADB, Edward Ato Sarpong, attributed the impressive results to prudent management decisions and a focused strategic approach.
“Our performance for the period reflects ADB’s deliberate efforts over the past nine months to stabilise our operations, strengthen our balance sheet, enhance profitability, and deliver long-term value to our diverse stakeholders while continuing to support key sectors of the economy, particularly agriculture.”
Edward Ato Sarpong
He further explained that the Bank’s current trajectory is in line with its four-year strategy aimed at achieving sustainable growth and maximizing shareholder value. “We are on course, on our four-year strategy, to deliver sustainable value and growth for everyone,” Mr. Sarpong added.
Strong Liquidity and Risk Management Boost Confidence
ADB also demonstrated exceptional financial health in its Q3 2025 performance, recording a liquidity ratio of 130%, well above the regulatory threshold. This strong liquidity position not only ensures the Bank’s ability to meet its financial obligations but also enhances its flexibility in pursuing new investment opportunities.
Mr. Sarpong reaffirmed the Bank’s commitment to maintaining prudent risk management practices to safeguard its growth trajectory.
“As we approach the close of the financial year, ADB will continue its growth momentum, improving asset quality, expanding our income streams, enhancing operational efficiency, and strengthening the foundation to achieve our long-term strategic objectives.”
Edward Ato Sarpong
Beyond the impressive numbers, Mr. Sarpong praised ADB staff for their dedication and adaptability to the Bank’s evolving culture.
“Our success story is largely due to the resilience and commitment of our staff, who have positively responded to our new performance-oriented culture,” he said, commending employees for embracing innovation and professionalism.
This cultural shift, driven by management’s emphasis on accountability and performance, has been instrumental in transforming the Bank’s operational environment and boosting productivity across departments.
Strategic Repositioning and Recapitalisation Plans
As part of its strategic repositioning, ADB is engaging in progressive conversations with shareholders to recapitalise the Bank, ensuring it remains well-capitalised and resilient against future market shocks.
The Managing Director emphasized that this recapitalisation effort aligns with the Bank’s long-term growth agenda and its mandate to deepen financial inclusion, particularly within Ghana’s agricultural value chain. “We remain committed to sustaining our support for agriculture and other critical sectors that drive Ghana’s economic transformation,” Mr. Sarpong assured.
In line with its strategic renewal, ADB recently introduced a new corporate tagline, “Beyond Banking…” which encapsulates its mission to redefine banking by empowering businesses, building futures, driving prosperity, and nurturing communities.
This rebranding initiative symbolizes ADB’s evolution into a customer-centric institution that blends profitability with purpose, reinforcing its role as a development-focused bank that supports national growth.
With the close of the financial year approaching, ADB’s management remains confident in sustaining its growth momentum into 2026. The Bank’s improved profitability, solid liquidity, and asset expansion provide a firm foundation for continued success.
The remarkable turnaround story of ADB demonstrates the power of strategic transformation, disciplined management, and unwavering commitment to purpose. As the Bank continues to align its operations with Ghana’s development agenda, it is poised to play an even greater role in strengthening the agricultural sector and the broader economy.
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