Advans Ghana Savings and Loans has announced a dramatic 400% year-on-year profit increase for the first half of 2025, driven by robust lending to micro, small, and medium-sized enterprises (MSMEs), tight cost controls, and improved operational efficiency.
The company’s net profit surged from GH¢5.4 million in H1 2024 to GH¢23.1 million in H1 2025, reflecting the successful execution of its accelerated growth strategy.
Advans Ghana disbursed over GH¢408 million in loans to more than 7,500 MSMEs between January and June 2025, representing a 59% increase compared to the same period last year. This pushed its gross loan portfolio up by 72% year-on-year to GH¢473 million.
Notably, 37% of the loans went to first-time borrowers — a key step in the institution’s mission to expand financial access and inclusion.
Revenue and Assets on the Rise
- Net interest income jumped 59% on the back of higher lending volumes and better yield management.
- Non-funded income, including fees and commissions, grew 20% due to increased client transactions and cross-product usage.
- Total assets climbed 46% to GH¢627.7 million, underscoring balance sheet resilience and strong shareholder confidence.
“This achievement has been made possible by the exceptional dedication of our team. We are delivering on our mission to empower businesses, create jobs, and improve livelihoods,” said Guillaume Valence, Managing Director and CEO of Advans Ghana. “We remain committed to building a more inclusive financial future while delivering greater value to our stakeholders.”
Client deposits rose 57% year-on-year, a clear sign of public trust in the institution. Digital transactions increased by 40%, driven by enhancements to the mobile banking experience and the launch of the MyAdvans App, which allows clients to manage accounts and transact securely from anywhere in Ghana.
Advans Ghana now serves over 142,000 active clients nationwide, with a presence in urban, peri-urban, and rural areas.
Women-led businesses make up 61% of the company’s client base. Through its AdvansHER initiative, the firm provided financial literacy training to more than 100 women entrepreneurs during the first half of 2025.
