Rating Release
Agusto & Co. assigns “A-GHA” (long term) and “A1” (short term) ratings to Access Bank (Ghana) Plc, with a stable outlook
The rating expires on 30 June 2027.
Agusto & Co. assigns “A-GHA” (long term) and “A1” (short term) ratings to Access Bank (Ghana) Plc (“Access Bank Ghana” or “the Bank”). The ratings reflect the Bank’s membership of Access Bank Plc (“the Parent” or “the Group”), an international financial institution with operations across 24 countries in three continents, rated “AaNGR” by Agusto & Co and with a US$39.1 billion asset base as at 31 December 2025. The Parent provides technical and governance support and enhances Access Bank Ghana’s trade finance capacity through access to cross-border funding lines. The standalone rating of the Bank also reflects its good liquidity profile and capitalisation, which were considered positives. However, the ratings are constrained by concentration in the loan book and deposit base. We have also assigned a “2” ESG score, reflecting our view that environmental, social and governance issues have a minimal impact on the Bank’s credit risk profile.