Republic Bank (Ghana) (XGHA:RBGH) Net Loan: GHS3,830 Mil (As of Jun. 2026)

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XGHA:RBGH Republic Bank (Ghana) PLC XGHA:RBGH
41 GF Score
Price GHS4.20
GF Value GHS1.07
Valuation Significantly Overvalued
! 3 Warning Signs
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What is Republic Bank (Ghana) Net Loan?

Republic Bank (Ghana) XGHA:RBGH 41 Net Loan is GHS3,830 Mil as of Jun. 2026. GuruFocus rates XGHA:RBGH with a GF Score™ of 41/100 and a GF Value™ of GHS1.07 (Significantly Overvalued). The stock has 3 warning signs investors should review.

Republic Bank (Ghana)'s quarterly net loan increased from Jun. 2025 (GHS2,912 Mil) to Dec. 2025 (GHS3,458 Mil) and increased from Dec. 2025 (GHS3,458 Mil) to Jun. 2026 (GHS3,830 Mil).

Republic Bank (Ghana)'s annual net loan increased from Dec. 2023 (GHS2,430 Mil) to Dec. 2024 (GHS3,458 Mil) and increased from Dec. 2024 (GHS3,458 Mil) to Dec. 2025 (GHS3,830 Mil).

Republic Bank (Ghana) Net Loan Historical Data

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The historical data trend for Republic 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.

Republic Bank (Ghana) Net Loan Chart

Republic 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 1,748.00 1,958.02 2,429.76 3,054.05 3,457.67

Republic Bank (Ghana) Semi-Annual Data
Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25 Jun26
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 2,808.29 3,054.05 2,912.22 3,457.67 3,830.49
XGHA:RBGH
41GF Score
Republic Bank (Ghana) PLC XGHA:RBGH
Net Loan is just one metric. See GF Score™, valuation, warning signs, and more.
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Republic 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 GHS3,830 Mil mean?
Republic Bank (Ghana) (XGHA:RBGH) has a Net Loan of GHS3,830 Mil as of Jun. 2026. The total net loans as recorded on a bank's balance sheet. View historical data on Republic Bank (Ghana) and its competitors.
Is Republic Bank (Ghana)'s Net Loan too high?
Republic Bank (Ghana)'s current Net Loan is GHS3,830 Mil. Overall, Republic Bank (Ghana) has a GF Score™ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Republic Bank (Ghana)'s Net Loan compare to PNC?
Republic Bank (Ghana)'s Net Loan of GHS3,830 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 Republic Bank (Ghana) and its competitors. Republic Bank (Ghana)'s current Net Loan is GHS3,830 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Republic Bank (Ghana) stock overvalued right now?
Based on GuruFocus' analysis, Republic Bank (Ghana) (XGHA:RBGH) is currently considered Significantly Overvalued. The stock's GF Value™ is GHS1.07, compared to a current price of GHS4.20 — trading 292.5% above its estimated fair value. The current Net Loan is GHS3,830 Mil. Republic Bank (Ghana)'s overall GF Score™ is 41/100 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 Republic Bank (Ghana) (XGHA:RBGH), the current Net Loan is GHS3,830 Mil as of Jun. 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 Republic Bank (Ghana) (XGHA:RBGH) Overvalued in 2026?

Based on GuruFocus' analysis, Republic Bank (Ghana) stock appears to be overvalued. The current stock price of GHS4.20 is trading 292.5% above its estimated GF Value™ of GHS1.07. GuruFocus considers Republic Bank (Ghana) to be Significantly Overvalued.

Key valuation signals for XGHA:RBGH:

  • Net Loan: GHS3,830 Mil
  • GF Value™: GHS1.07 vs. price of GHS4.20 (292.5% above fair value)
  • GF Score™: 41/100 with 3 warning signs

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

Republic Bank (Ghana) Business Description

Address No. 35, Sixth Avenue, North Ridge, P. O. Box CT 4603, Cantonments, Accra, GHA, 4603
Republic Bank (Ghana) PLC is engaged in investment banking, corporate banking, retail banking, mortgage banking, asset management services, and property management and development. The Group operates through four reporting segments: retail banking, which incorporates private banking services, private customer current accounts, savings, deposits, investment savings products, custody, credit, and consumer loans; mortgage banking, which incorporates mortgage services; corporate banking, which generates maximum revenue and incorporates direct debit facilities, current accounts, deposits, overdrafts, loans, and foreign currency; and microfinance banking, which incorporates savings accounts, deposits, loans, and other credit facilities.
41GF Score

Get the complete analysis for XGHA:RBGH

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

GHS4.20
Price
GHS1.07
GF Value