CalBank PLC delivered a strong Q1 2026 financial performance, underpinned by significant growth in core income lines and improved profitability. Net interest income more than doubled to GHS 171.1 million (Group) from GHS 86.3 million in Q1 2025, driven by higher interest income and a substantial reduction in interest expense, reflecting improved funding efficiency. Total revenue rose to GHS 326.7 million (up over 110% year-on-year), supported by robust net trading income (GHS 89.3 million) and solid growth in net fees and commissions (GHS 66.3 million).
Profit before tax increased to GHS 163.8 million, translating into a net profit of GHS 106.8 million—almost triple the prior year. The Bank also recorded a strong rebound in key prudential metrics, with capital adequacy at 17.2% (from negative territory in 2025), liquidity ratio at 90.7%, and a significantly improved non-performing loan ratio of 15.1% (down from 45.5%). Balance sheet expansion remained solid, with total assets growing to GHS 13.4 billion, driven primarily by investment securities and customer deposits, which increased to GHS 10.3 billion, indicating renewed customer confidence and improved funding stability.
Click to view the full report here: https://calbank.net/wp-content/uploads/2026/04/CalBank-PLC-_Q1-2026-Unaudited-Financial-Statements.pdf
