Ecobank Group has unveiled strong half-year results for the first six months of 2025, with pre-tax profit up 23% to $398 million and net banking income reaching $1.1 billion, a 12% annual increase. A sign of increased operational efficiency, the operating ratio has fallen to 49.1%, its lowest level in over a decade. This performance illustrates the pan-African group’s ability to generate value despite a mixed macroeconomic environment in several of its key markets.
Customer deposits increased by $3.4 billion to $23.9 billion, with 83% in low-cost deposits. In a context of margin pressure, this financing structure is a strategic asset. The corporate and investment bank recorded a 44% growth in pre-tax profit, reaching $323 million, driven by sustained demand for foreign exchange and trade finance services. The commercial and retail bank also saw a 10% increase, reaching $216 million, thanks to the momentum of SMEs and high-value clients.
At the regional level, all zones are progressing. Francophone West Africa recorded a pre-tax profit of $176 million (+12%), Anglophone West Africa $175 million (+19%) with a strong contribution from Ghana, while Nigeria is recovering with a 45% growth. The Central, Eastern, and Southern Africa region grew by 27% to $207 million.
The quality of the loan portfolio continues to improve, with a non-performing loan ratio reduced to 5.7% from 6.7% at the end of 2024. Solvency and liquidity levels remain above regulatory requirements by over 300 basis points, strengthening the Group’s financial position.
At the same time, Ecobank continues its investments in digital technologies and distribution channels. A strategic partnership with Google Cloud has been announced to enhance data architecture, security, and innovation in payments. Next-generation loan management, transactional banking, and wealth management solutions have been implemented, as well as the deployment of new ATMs.
Approaching its 40th anniversary, Ecobank reaffirms its commitment to remain a key player in inclusive and sustainable financing in Africa, while continuing its profitability and modernization-focused transformation strategy.
