Access Bank Ghana (XGHA:ACCESS) Net Loan: GHS4,628 Mil (As of Mar. 2026)

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XGHA:ACCESS Access Bank Ghana PLC XGHA:ACCESS
43 GF Score
Price GHS31.90
GF Value GHS13.78
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Access Bank Ghana Net Loan?

Access Bank Ghana XGHA:ACCESS 43 Net Loan is GHS4,628 Mil as of Mar. 2026. GuruFocus rates XGHA:ACCESS with a GF Score™ of 43/100 and a GF Value™ of GHS13.78 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Access Bank Ghana's quarterly net loan increased from Sep. 2025 (GHS3,591 Mil) to Dec. 2025 (GHS5,057 Mil) but then declined from Dec. 2025 (GHS5,057 Mil) to Mar. 2026 (GHS4,628 Mil).

Access Bank Ghana's annual net loan increased from Dec. 2023 (GHS2,344 Mil) to Dec. 2024 (GHS5,057 Mil) and increased from Dec. 2024 (GHS5,057 Mil) to Dec. 2025 (GHS4,628 Mil).

Access Bank Ghana Net Loan Historical Data

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The historical data trend for Access Bank Ghana's Net Loan can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Access Bank Ghana Net Loan Chart

Access Bank Ghana Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Loan
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1,166.87 1,640.65 2,343.59 3,699.02 5,057.26

Access Bank Ghana Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
Net Loan Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 3,629.79 3,175.83 3,591.25 5,057.26 4,628.19
XGHA:ACCESS
43GF Score
Access Bank Ghana PLC XGHA:ACCESS
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Access Bank Ghana Net Loan Calculation

Total loans on banks' book. These are the fund that banks have lent out. The loans contribute to banks' income. Some borrower of the loans may stop paying their payment. In this case, the loan is called non-performing loans.

Loans can be divided into residential loans, commercial loans or consumer loans. Peter Lynch loved

Frequently Asked Questions Learn more about Net Loan →
What does a Net Loan of GHS4,628 Mil mean?
Access Bank Ghana (XGHA:ACCESS) has a Net Loan of GHS4,628 Mil as of Mar. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Access Bank Ghana and its competitors.
Is Access Bank Ghana's Net Loan too high?
Access Bank Ghana's current Net Loan is GHS4,628 Mil. Overall, Access Bank Ghana has a GF Score™ of 43/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Access Bank Ghana's Net Loan compare to PNC?
Access Bank Ghana's Net Loan of GHS4,628 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Net Loan for a Banks company?
A good Net Loan depends on the Banks industry context. However, Net Loan should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Net Loan mean?
A high Net Loan can signal that a stock is expensive relative to its fundamentals. The total net loans as recorded on a bank's balance sheet. View historical data on Access Bank Ghana and its competitors. Access Bank Ghana's current Net Loan is GHS4,628 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Access Bank Ghana stock overvalued right now?
Based on GuruFocus' analysis, Access Bank Ghana (XGHA:ACCESS) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS13.78, compared to a current price of GHS31.90 — trading 131.5% above its estimated fair value. The current Net Loan is GHS4,628 Mil. Access Bank Ghana's overall GF Score™ is 43/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Loan calculated?
Net Loan is calculated from a company's financial statements. For Access Bank Ghana (XGHA:ACCESS), the current Net Loan is GHS4,628 Mil as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Access Bank Ghana (XGHA:ACCESS) Overvalued in 2026?

Based on GuruFocus' analysis, Access Bank Ghana stock appears to be overvalued. The current stock price of GHS31.90 is trading 131.5% above its estimated GF Value™ of GHS13.78. GuruFocus considers Access Bank Ghana to be Significantly Overvalued.

Key valuation signals for XGHA:ACCESS:

  • Net Loan: GHS4,628 Mil
  • GF Value™: GHS13.78 vs. price of GHS31.90 (131.5% above fair value)
  • GF Score™: 43/100 with 3 warning signs

No single metric tells the full story. See the XGHA:ACCESS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Access Bank Ghana Business Description

Address Starlets’ 91 Road, P. O. Box GP 353, Opposite Accra Sports Stadium, Osu, Accra, GHA
Access Bank Ghana PLC is a Ghana-based commercial bank. The bank provides universal banking services including Retail Banking, Commercial Banking, Business Banking, Personal Banking, and Exclusive Banking. It also provides support for financing landmark projects in the private and public sectors. It provides services to Corporate, Commercial, Retail customers, and Financial Institutions across Ghana. The company's segments include Institutional Banking, Commercial Banking, Personal, and Business Banking, and Treasury.
43GF Score

Get the complete analysis for XGHA:ACCESS

Net Loan is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

GHS31.90
Price
GHS13.78
GF Value