By: Robert Kwaku Annor
Advans Ghana Savings and Loans Limited has reported a net profit of GH¢66.9million
for the 2025 financial year, representing a 256 percent increase from GH¢18.7million
in 2024. This strong performance marks a decisive shift in the institution’s
trajectory, confirming its ability to combine rapid growth with sustained
impact on Ghana’s real economy.
The results
place Advans Ghana among the standout performers in the industry, underpinned
by solid governance, disciplined execution, and increasing confidence from
clients across the country. Over the course of the year, the institution
disbursed more than GH¢900million in new loans, supporting businesses of all
sizes and contributing to economic activity nationwide.
This momentum
was reflected across key indicators. The gross loan portfolio expanded
significantly, rising from GH¢390million to GH¢580million, while client
deposits grew by 56percent to reach GH¢430million. This strong deposit mobilization
signals a deepening trust in the institution and a strengthening savings
culture among its clients. At the same time, Advans Ghana’s active client base
increased to 149,000, further consolidating its position as a leading player
serving micro, small and medium enterprises.
Commenting on the results, Managing Director, Guillaume Valence emphasized
the human dimension behind the figures. “Behind these results are real stories:
clients who trust us to grow their businesses and committed teams who deliver
every day. Purpose, vision, and disciplined execution are what drive our
growth,” he said.
Women remain at
the heart of Advans Ghana’s growth strategy. The number of female clients rose
significantly to 86,000, reflecting the institution’s continued focus on
inclusive finance. Through the AdvansHER programme, loans extended to women
increased by 52percent, while the average loan size rose by 17 percent,
indicating both improved access to finance and the expansion of women-led
businesses. Beyond financing, Advans Ghana also invested in capacity building,
providing business skills training to more than 30,000 women farmers and
channeling GH¢10.2 million into key agricultural value chains such as rice and
shea.
The
institution’s digital transformation also accelerated during the year, with
digital transactions increasing by 48percent. This growth was largely driven by
the adoption of USSD services and the MyAdvans GH mobile application, which are
enabling clients—many of whom operate beyond traditional banking
infrastructure—to access financial services more easily and efficiently.
Digital innovation is becoming a key lever for expanding financial inclusion at
scale.
In parallel
with its financial performance, Advans Ghana continues to strengthen its
commitment to responsible and secure banking. The institution was awarded the
Client Protection Certification at Silver Level by MFR, a globally recognised
standard that validates transparent and responsible lending practices. In
addition, Advans Ghana achieved ISO 27001 certification, the international
benchmark for information security management, reinforcing its commitment to
safeguarding client data and maintaining operational integrity.
Looking ahead,
Advans Ghana has outlined its 2026 roadmap under the theme “Raising the
Standard.” The strategy will focus on scaling operations, deepening
client-centricity, investing in staff development, and driving efficiency
across its model. This next phase aims to consolidate recent gains while
setting a higher benchmark for performance and impact in the sector.
As part of the Advans Group, headquartered in Paris and present in six
African countries serving over +740,000 clients, Advans Ghana continues to play
a key role in advancing financial inclusion. Since its incorporation in 2007
and licensing by the Bank of Ghana, the institution has grown steadily and now
serves more than 140,000 clients through a network of 20 branches across nine
regions, supporting the ambitions of individuals and businesses alike.
