Standard Chartered Bank Ghana reported consolidated net profit of GH¢354.3 million for the first nine months of 2026, down 30.3% from a year earlier, according to unaudited accounts released through the Ghana Stock Exchange on 30 October. Over the same period, its gross non-performing loan ratio rose to 23.25%.
The earnings decline came alongside a 15.3% fall in consolidated revenue to GH¢1.16 billion. Net interest income dropped from GH¢775.1 million to GH¢541.6 million, while net fees and commissions fell 17.7%. Trading income grew 18.3% to GH¢426.2 million, but that gain did not offset weaker returns from the other business lines.
Revenue weakened even as the bank expanded its lending book. Loans and advances to customers rose 24.4% from September 2025 to GH¢2.54 billion, whereas customer deposits declined 17.5% to GH¢10.46 billion. Group assets stood at GH¢14.63 billion, compared with GH¢16.56 billion one year earlier.
Asset quality also remains an important measure for investors. The gross non-performing loan ratio increased from 21.75% to 23.25% over twelve months, a rise of 1.50 percentage points. The bank reported a capital adequacy ratio of 23.12% and a liquidity ratio of 99.21% in its regulatory disclosures.
Operating costs rose 6.0% to GH¢670.7 million as pre-tax profit declined to GH¢558.0 million. The group paid GH¢673.5 million in dividends over the nine months, against GH¢227.4 million a year earlier, while shareholders’ funds ended September at GH¢2.49 billion, down from GH¢2.83 billion at the start of 2026.