Access Bank Botswana says it is relying on a disciplined balance sheet to sustain growth in a challenging economic environment, despite a decline in Profit Before Tax (PBT) from P134.6 million to P103.6 million.
The bank said it has maintained recent performance trends, consolidated gains from the previous period and continued to generate solid returns on deliberate investments.
In its preliminary unaudited financial statements for the period ended December 31, 2025, the bank reported a notable increase in top-line revenue, driven by a 12 percent rise in non-interest income, including a 117 percent surge in trading revenue.
The bank said investments in technology have enhanced operational stability and strengthened its product offering, enabling customers to access more services.
“With a strengthened foundation and enhanced offerings, the bank is well-positioned to deliver sustainable growth,” Access Bank said.
Interest income grew by 6 percent, supported by effective portfolio and liquidity management, which contributed to improved top-line revenue. However, net interest income remained under pressure due to elevated funding costs, reflecting constrained margins in a tightening liquidity environment.
Looking ahead, the bank said disciplined balance sheet management and strategic funding initiatives will be critical to sustaining growth.
Non-interest revenue rose by 26 percent year-on-year in the 2025 financial year, largely driven by increased volumes in digital banking. Trading income also increased by 117 percent, supported by higher transaction volumes and an expanding suite of product offerings.
The bank said these developments have enhanced its customer value proposition, reinforcing its position in the financial services market.
Access Bank recorded a net impairment charge of P73 million, reflecting broader economic challenges. Despite these headwinds, the bank said it remains committed to supporting customers and the wider economy.
Operating expenses rose by 4 percent during the period, mainly due to increased investment in human capital aimed at supporting growth and long-term competitiveness.
“Our people are our biggest asset,” the bank said.
“The bank ensured strong cost efficiency measures in other areas to accommodate this growth. Further, it continues to realise synergies from being part of a world-class banking group.”
Total assets increased by 7 percent from December 2024, supported by loan book growth. Deposits rose by 3 percent over the same period, reflecting efforts to optimise funding efficiency amid liquidity constraints.
With a strengthened balance sheet and disciplined funding approach, Access Bank Botswana said it is well-positioned to capitalise on upcoming opportunities, including planned enhancements to its deposit offerings.
The bank has advised shareholders that its audited financial results for the year ended December 31, 2025, initially expected by April 15, 2026, will require additional time to finalise. The results are now expected to be published on or before May 15, 2026.
