OmniBSIC Bank delivered a strong financial performance in 2025, recording more than a 100% increase in profit as robust growth in interest income, trading revenue, loans and investment securities strengthened its balance sheet, according to the 2026 Credit Assessment Report by the research team of Tesah Capital, a wealth management, investment and pensions firm.
The report said the bank remained well-capitalised, highly liquid and continued to improve its asset quality despite maintaining an aggressive expansion of its loan portfolio, prompting Tesah Capital to recommend short-term fixed deposit investments with the bank.
Profit more than doubles
According to the report, OmniBSIC Bank’s net earnings for the year ended December 31, 2025, rose by 111.57% year-on-year to GH¢421.55 million from GH¢199.26 million recorded in 2024.
Tesah Capital attributed the strong earnings growth to a substantial increase in operating revenue, supported mainly by higher interest income and improved trading performance.
The bank’s operating income increased by 91.44% to GH¢1.43 billion in 2025 from GH¢746.09 million in 2024, reflecting continued expansion of its interest-earning assets and stronger income generation across its core business operations.
Net trading income also improved, rising by 29.13% from GH¢111.03 million in 2024 to GH¢143.37 million in 2025, making a significant contribution to the bank’s overall revenue growth.
Interest income recorded even stronger growth, increasing by 97.40% from GH¢1.24 billion in 2024 to GH¢2.46 billion in 2025.
The report attributed the sharp increase to the continued expansion of the bank’s investment portfolio and customer lending activities.
Investment securities more than doubled, increasing by 105.10% from GH¢4.97 billion in 2024 to GH¢10.19 billion in 2025.
Loans and advances to customers also expanded significantly, growing by 41.85% from GH¢980.07 million to GH¢1.39 billion during the review period.
Tesah Capital further observed that operating efficiency improved considerably during the year.
The bank’s cost-to-income ratio declined from 57.13% in 2024 to 51.65% in 2025, indicating that revenue growth outpaced the increase in operating costs.
The report concluded that OmniBSIC’s profitability indicators strengthened substantially, supported by higher earnings and improved operational efficiency.
Strong liquidity position
The report said OmniBSIC Bank maintained a strong liquidity position throughout 2025.
Its Liquid Assets-to-Total Deposits ratio stood at 95.28% compared with 106.00% in 2024, remaining at a level considered sufficient to comfortably meet short-term obligations.
Using cash balances with banks together with investments as liquid assets, the bank’s Liquid Assets-to-Total Assets ratio improved to approximately 88.91% in 2025 from approximately 82.13% in 2024.
Tesah Capital said this reflected the bank’s continued emphasis on maintaining a highly liquid balance sheet.
Total liquid assets increased sharply by 150.51%, rising from approximately GH¢7.66 billion in 2024 to approximately GH¢19.19 billion in 2025, significantly strengthening the bank’s liquidity profile.
The report also noted an improvement in the bank’s capital position.
Its Capital Adequacy Ratio (CAR) increased to 17.84% in 2025 from 13.66% in 2024, comfortably exceeding the Bank of Ghana’s regulatory minimum requirement of 13%.
Asset quality improves
Tesah Capital reported further improvement in OmniBSIC Bank’s asset quality during the year.
The bank’s Non-Performing Loan (NPL) ratio declined from 26.99% in 2024 to 23.09% in 2025, indicating better credit quality despite continued growth in lending.
Although the NPL ratio remains relatively elevated, the report noted that the simultaneous expansion of the loan book and decline in impaired loans reflected stronger credit risk management and improved loan portfolio performance.
Loans and advances grew by 41.85% year-on-year, increasing from GH¢980.07 million in 2024 to GH¢1.39 billion in 2025.
According to Tesah Capital, the combination of stronger lending and lower NPLs demonstrates improved underwriting standards and effective loan recovery efforts.
Recommendation
Based on its assessment, Tesah Capital concluded that OmniBSIC Bank remains financially strong, supported by robust liquidity, improved profitability, adequate capitalisation and strengthening asset quality.
The report noted that the bank’s liquidity position remains strong enough to meet its financial obligations as they fall due, while its Capital Adequacy Ratio of 17.84% remains comfortably above the Bank of Ghana’s minimum regulatory requirement.
It further observed that asset growth remained impressive, driven by substantial increases in investment securities and continued expansion of the loan portfolio.
Profitability also strengthened significantly during the year on the back of higher operating income, stronger interest income and improved trading performance.
Although the NPL ratio remains above industry averages, Tesah Capital said the decline from 26.99 per cent to 23.09% represented meaningful progress in improving the quality of the bank’s loan portfolio.
Consequently, the investment research firm recommended short-term fixed deposit investments ranging from 91 days to 182 days with OmniBSIC Bank, citing its strong liquidity, improved earnings performance, solid capital position and continuing improvements in asset quality.
