Skip to main content
logo
Access Bank (Ghana) Plc (GHSE:ACCESS)
Ghana flag Ghana · Delayed Price · Currency is GHS
0.00
0.00 (0.00%)
Price not available due to exchange restrictions

Access Bank (Ghana) Financials Overview

Millions GHS. Fiscal year is Jan - Dec.

Revenue & Profits
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Revenue
1,3031,4321,5801,486-113.28727.61
Revenue Growth
-16.77%-9.38%6.36%--28.32%
Net Income
210.9286.47536.91618.47-338.14321.58
Earnings Per Share
1.211.653.093.56-1.941.85
EPS Growth
-51.40%-46.64%-13.19%--35.93%

Revenue by Segment
Chart
Fiscal Year
FY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingDec '25 Dec '24 Dec '23 Dec '22 Dec '21
Institutional Banking
372.24315.33191.3685.81100.62
Commercial Banking
147.54133.76101.8851.0750.73
Personal and Business Banking
423.89854.54250.62382.92260.61
Treasury and Investment Banking
450.5793.281,069630.97419.88
Total
1,3941,3971,6131,151831.84

Cash & Debt
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Cash & Investments
5,7031,3392,9441,8492,7241,685
Total Debt
686.47885.791,0251,140888.34822.72
Net Cash (Debt)
5,016452.861,919708.211,835861.79
Net Cash Growth
-1.90%-76.41%171.02%-61.41%112.98%-51.41%
Net Cash Per Share
28.872.6011.034.0710.554.95

Cash Flow & CapEx
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Operating Cash Flow
1,746635.5-587.14-2,604423.79-1,075
Capital Expenditures
-123.3-85.66-233.52-88.88-52.88-99.3
Free Cash Flow
1,623549.85-820.66-2,693370.9-1,175
Free Cash Flow Growth
2461.82%-----

Margins
Chart
Fiscal Year
TTMFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingSep '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Profit Margin
16.18%20.00%33.98%41.63%-44.20%
FCF Margin
124.54%38.40%-51.93%-181.27%--161.44%

Dividends
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
Dividend Per Share
0.6240.6240.364-0.7940.793
Dividend Per Share Growth
0%71.22%--0.19%244.73%
Dividend Yield
3.00%3.85%7.01%-19.80%25.17%

Valuation
Chart
Fiscal Year
CurrentFY 2025FY 2024FY 2023FY 2022FY 2021
Period EndingOct '26 Dec '25 Dec '24 Dec '23 Dec '22 Dec '21
PE Ratio
17.129.841.690.96-1.70
P/FCF Ratio
2.235.13--1.88-
PS Ratio
2.771.970.570.40-6.160.75