The Savings and Loans sector recorded a profit of GH¢515.32 million in 2025, compared to GH¢141.57 million in the previous year.

According to the 2025 Bank of Ghana Annual Report and Financial Statement, the sub-sector recorded Capital Adequacy Ration (CAR) of 3.5% at in December 2025, increasing from -0.6% at the end of December 2024, below the prudential minimum of 10.0%.

The Non-Performing Loan (NPL) ratio decreased to 11.8% in December 2025, from 15.0% at the end of December 2024.

The total number of licensed Savings and Loans stood at 26 at the end of December 2025.

Total assets also stood at GH¢12.63 billion at the end of December 2025, representing a year-on-year growth of 31.2%.

Meanwhile, the total number of licensed microfinance institutions (MFIs) was 172 at the end of December 2025.

The total assets of MFIs amounted to GH¢3.06 billion, reflecting a year-on-year growth of 55.5%, compared to 35.7% the previous year.

Deposits increased by 27.8% year-on-year at the end of December 2025.

The average CAR and NPL ratios stood at 22.1% and 26.4%, respectively, as of the end of December 2025. Overall, profitability improved during the review year.