Advans Ghana Profit Jumps 256% as Loan Growth, Digital Banking Drive Expansion

 

Advans Ghana Savings and Loans Limited delivered a sharp increase in profitability in 2025, reporting a 256 percent surge in net profit as the institution expanded lending, deepened financial inclusion and accelerated its digital transformation agenda.

The company posted a net profit of GH¢66.9 million for the 2025 financial year, up from GH¢18.7 million recorded in 2024, in what management describes as a defining moment in the institution’s growth journey.

The strong performance was supported by robust lending activity, growing customer deposits and a rapidly expanding client base, reinforcing Advans Ghana’s position within the country’s micro, small and medium enterprise financing space.

During the year, the institution disbursed more than GH¢900 million in new loans, providing financing to businesses across multiple sectors of the economy and supporting enterprise growth nationwide.

Its gross loan portfolio expanded significantly from GH¢390 million to GH¢580 million, while customer deposits grew by 56 percent to reach GH¢430 million, reflecting increasing confidence among savers and borrowers.

Advans Ghana also grew its active customer base to 149,000 clients, further strengthening its footprint in Ghana’s financial services sector and expanding access to credit for underserved businesses.

Managing Director Guillaume Valence attributed the performance to a combination of customer trust, strategic focus and operational discipline.

“Behind these results are real stories: clients who trust us to grow their businesses and committed teams who deliver every day. Purpose, vision and disciplined execution are what drive our growth,” he said.

Women-Led Businesses Receive Major Boost

A key pillar of the institution’s growth strategy remained support for women entrepreneurs.

The number of female clients increased to 86,000, while loans extended under the AdvansHER programme grew by 52 percent. The average loan size granted to women also increased by 17 percent, suggesting stronger business expansion among women-owned enterprises.

Beyond lending, Advans Ghana provided business development training to more than 30,000 women farmers and invested GH¢10.2 million in agricultural value chains, including rice and shea production.

Industry observers say the continued focus on women entrepreneurs and agriculture aligns with broader efforts to strengthen inclusive economic growth and improve access to finance for traditionally underserved groups.

Digital Banking Gains Momentum

The institution’s digital banking strategy also recorded significant progress during the year.

Digital transactions increased by 48 percent, driven largely by growing adoption of its USSD platform and the MyAdvans GH mobile application. The expansion has helped customers access banking services more efficiently, particularly in areas where traditional banking infrastructure remains limited.

The development highlights the increasing role of technology in expanding financial inclusion and reducing barriers to banking services across Ghana.

Strengthening Governance and Security

Alongside its financial performance, Advans Ghana secured two major certifications aimed at reinforcing customer confidence and operational resilience.

The institution received the Client Protection Certification at Silver Level from global rating agency MFR, recognising its commitment to responsible and transparent lending practices. It also achieved ISO 27001 certification, the international standard for information security management.

These certifications come at a time when financial institutions are facing growing scrutiny over customer protection, cybersecurity and data privacy.

Looking Ahead

For 2026, Advans Ghana has adopted the theme “Raising the Standard,” with plans focused on scaling operations, improving customer experience, strengthening staff capacity and driving greater operational efficiency.

The institution believes the next phase of growth will build on the momentum achieved in 2025 while positioning it to play an even larger role in advancing financial inclusion and supporting business development across Ghana.

As economic recovery gathers pace and demand for financing increases among SMEs, Advans Ghana’s strong earnings performance and expanding customer reach suggest the institution is positioning itself for a larger role in financing Ghana’s productive sectors and supporting long-term economic growth.