- records GH¢5 million profit before tax
- shareholders get GH¢14p as dividend per share
Fiaseman Community Bank PLC at Bogoso in the Prestea Huni-Valley district of the Western Region has posted impressive growth in all financial indicators for the year 2025 under review.
The Bank has once again demonstrated its resilience and growth trajectory, posting impressive financial results for the year ended December 31, 2025. At the 37th Annual General Meeting held in Bogoso,
Strong Operational Performance
The bank recorded a profit before tax of GH¢ 81.5 million in 2025, up from GH¢ 69.6 million in 2024, representing a 17.12% growth. This achievement was the result of prudent management decisions and strategic investments aimed at maximizing shareholder returns.
- Total Assets surged by 38.67%, rising from GH¢ 961.2 million in 2024 to GH¢ 1.33 billion in 2025.
- Deposits grew by an impressive 40%, climbing from GHS830.8 million in 2024 to GH¢ 1.16 billion in 2025.
- Loans and Advances expanded by 33.99%, reaching GHS394.7 million compared to GH¢ 294.6 million in 2024.
- Stated Capital increased by 27.62%, from GH¢ 17.4 million in 2024 to GH¢ 22.2 million in 2025, comfortably above the regulatory minimum of GH¢ 5 million.
These figures underscore the bank’s strong financial footing and its ability to sustain growth in a recovering Ghanaian economy.
Dividend Declaration
In recognition of its robust performance, the Board has proposed a dividend of GHS0.14 per share, amounting to GHS17.7 million for 2025. This matches the per-share dividend paid in 2024 but reflects a higher total payout due to increased shareholder participation. The dividend is subject to approval by the Bank of Ghana
She also encouraged shareholders to take advantage of the bank’s rights issue program to increase their holdings, reinforcing the institution’s long-term growth prospects.
Investment and Shareholders’ Fund
The bank’s investment portfolio also recorded significant growth. Investments in Treasury Bills and other securities rose by 40.16%, from GHS502 million in 2024 to GHS704 million in 2025. Of this, GHS21.3 million was tied up in government bonds affected by the Domestic Debt Exchange Program (DDEP).
Meanwhile, Shareholders’ Funds appreciated by 41.21%, rising from GHS101.1 million in 2024 to GHS142.7 million in 2025, further strengthening the bank’s capital base and positioning it for future expansion.
The Chairperson of the Board of Directors, Mrs Comfort Danso Yeboah announced these and more at the Bank’s 37th Annual General Meeting shareholders held recently at Bogoso.
According to her, the 2025 financial year saw a gradual improvement in the Ghanaian economic environment. Economic growth strengthened, with overall GDP growth closing out the year at 6%. The year was marked by notable improvements in Ghana’s macroeconomic environment, including a pronounced and sustained decline in inflation, a decisive shift toward monetary easing supported by a significant downward adjustment in the policy rate and a historic strengthening of the domestic currency.
These developments created a more favorable operating environment for businesses and financial institutions, particularly Rural and Community banks.
Corporate Social Responsibility
Fiaseman Community Bank continued to demonstrate its commitment to community development, spending GHS2.74 million on Corporate Social Responsibility (CSR) initiatives in 2025.
Key projects included:
- Scholarships worth GHS174,000 for 41 tertiary students under the Ghana Education Service.
- Construction of a 20-capacity male ward with ancillary facilities at Prestea Himan Community Hospital, costing GHS2.19 million.
- Support for educational institutions such as Bogoso St. Augustine’s SHS and Bogoso Presby School, with investments in infrastructure and safety.
- Contributions to Farmers’ Day celebrations across several municipalities, including the provision of television sets, refrigerators, and financial support.
These initiatives reflect the bank’s philosophy of reinvesting in the communities it serves, thereby
enhancing its reputation as a socially responsible institution.
Future Outlook
Looking ahead, the Board Chairperson, emphasized that Fiaseman Community Bank is determined to maintain its position as one of Ghana’s leading community banks. Plans are underway to open new branches to expand market share within its catchment area.
The bank also intends to explore opportunities in digital banking, ensuring it remains competitive in an increasingly technology-driven financial landscape. Cybersecurity and innovation, she noted, will be central to the bank’s strategy going forward.
With the Bank of Ghana’s revised microfinance sector framework requiring rural banks to transition into community banks by March 2026, Fiaseman has already met the minimum capital requirement and successfully rebranded as Fiaseman Community Bank PLC. Engagements for potential partnerships and mergers with other community banks are ongoing, signaling further growth opportunities.
Mrs. Yeboah expressed gratitude to shareholders, regulators, customers, and staff for their unwavering support. “No one can mention three community banks in Ghana without mentioning Fiaseman Community Bank PLC,” she declared, reaffirming the institution’s prominence in the sector.
The post Fiaseman Community Bank posts strong growth appeared first on The Business & Financial Times.
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