Advans Ghana Posts GH¢66.9m Profit in 2025
Advans Ghana Savings and Loans Limited has recorded a sharp increase in profitability, posting a net profit of GH¢66.9 million for the 2025 financial year, representing a 256 percent rise from GH¢18.7 million in 2024. The performance marks one of the strongest growth trajectories in the country’s savings and loans sector, driven by expanded lending, stronger deposits, and improved operational efficiency.
The results position the institution among top performers in Ghana’s financial services industry, underpinned by governance reforms, disciplined execution, and growing customer confidence.
During the year under review, Advans Ghana disbursed more than GH¢900 million in new loans, supporting micro, small and medium-sized enterprises (MSMEs) across various sectors of the economy. The institution’s gross loan portfolio also expanded significantly from GH¢390 million to GH¢580 million.
Client deposits grew by 56 percent to GH¢430 million, reflecting increased trust in the institution and a strengthening savings culture among its customer base. The active client population rose to 149,000, reinforcing Advans Ghana’s position as a key financier of small businesses nationwide.
Managing Director, Guillaume Valence, attributed the performance to disciplined execution and customer-focused operations.
“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.
Strong focus on women-led enterprises
Women remained central to the institution’s growth strategy. The number of female clients increased to 86,000, supported by targeted financial inclusion initiatives.
Through the AdvansHER programme, lending to women rose by 52 percent, while average loan sizes increased by 17 percent, reflecting improved access to credit and expansion of women-led enterprises.
Beyond financing, the institution provided business skills training to more than 30,000 women farmers and invested GH¢10.2 million into agricultural value chains, including rice and shea production.
Digital expansion accelerates inclusion
Advans Ghana also recorded significant growth in digital financial services, with digital transactions rising by 48 percent. This was driven by increased usage of USSD services and the MyAdvans GH mobile application, which are improving access to financial services for customers in underserved and remote communities.
The institution said digital innovation remains a central pillar for expanding financial inclusion and improving service delivery efficiency.
Compliance, security and governance strengthened
In addition to its financial performance, Advans Ghana strengthened its compliance and governance frameworks. The institution received Client Protection Certification at Silver Level from MFR, recognising its commitment to responsible lending practices.
It also achieved ISO 27001 certification, an international standard for information security management systems, underscoring its focus on data protection and operational integrity.
Outlook: “Raising the Standard”
Looking ahead, Advans Ghana has outlined a 2026 strategic roadmap under the theme “Raising the Standard.” The plan will focus on scaling operations, deepening customer-centric services, enhancing staff capacity, and improving operational efficiency.
The institution says the next phase will consolidate recent gains while positioning it for higher performance and greater impact in Ghana’s financial sector.
Part of the Advans Group, which operates in six African countries and serves more than 740,000 clients, Advans Ghana continues to play a growing role in expanding access to finance for individuals and small businesses.
Since its establishment in 2007 and licensing by the Bank of Ghana, the institution has expanded to more than 20 branches across nine regions, supporting over 140,000 clients and contributing to financial inclusion and SME development across the country.
