First Atlantic Bank (XGHA:FAB) Effective Interest Rate on Debt %: 1,502.55% (As of Dec. 2025)

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XGHA:FAB First Atlantic Bank PLC XGHA:FAB
24 GF Score
Price GHS8.40
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What is First Atlantic Bank Effective Interest Rate on Debt %?

First Atlantic Bank XGHA:FAB 24 Effective Interest Rate on Debt % is 1,502.55% as of Dec. 2025. GuruFocus rates XGHA:FAB with a GF Score™ of 24/100.

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. First Atlantic Bank's annualized positive value of Interest Expense for the quarter that ended in Dec. 2025 was GHS474 Mil. First Atlantic Bank's average total debt for the quarter that ended in Dec. 2025 was GHS32 Mil. Therefore, First Atlantic Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 was 1,502.55%.

First Atlantic Bank  (XGHA:FAB) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

First Atlantic Bank Effective Interest Rate on Debt % Related Terms

First Atlantic Bank Effective Interest Rate on Debt % Historical Data

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The historical data trend for First Atlantic Bank's Effective Interest Rate on Debt % 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.

First Atlantic Bank Effective Interest Rate on Debt % Chart

First Atlantic Bank Annual Data
Trend Dec24 Dec25
Effective Interest Rate on Debt %
1,271.30 1,502.55

First Atlantic Bank Semi-Annual Data
Dec24 Dec25
Effective Interest Rate on Debt % 1,271.30 1,502.55

XGHA:FAB vs PNC: Effective Interest Rate on Debt % Comparison

For the Banks - Regional subindustry, First Atlantic Bank's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

First Atlantic Bank Effective Interest Rate on Debt % vs Banks Industry

For the Banks industry and Financial Services sector, First Atlantic Bank's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where First Atlantic Bank's Effective Interest Rate on Debt % falls into.


XGHA:FAB
24GF Score
First Atlantic Bank PLC XGHA:FAB
Effective Interest Rate on Debt % is just one metric. See GF Score™, valuation, warning signs, and more.
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First Atlantic Bank Effective Interest Rate on Debt % Calculation

First Atlantic Bank's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (A: Dec. 2024 )+Total Debt  (A: Dec. 2025 ))/ count )
=-1  *  -474.228/( (24.282+38.841)/ 2 )
=-1  *  -474.228/31.5615
=1,502.55 %

where

Total Debt  (A: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=24.282 + 0
=24.282

Total Debt  (A: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=38.841 + 0
=38.841

First Atlantic Bank's annualized Effective Interest Rate on Debt % for the quarter that ended in Dec. 2025 is calculated as

Effective Interest Rate on Debt %
=-1  *  Interest Expense/( (Total Debt  (Q: Dec. 2024 )+Total Debt  (Q: Dec. 2025 ))/ count )
=-1  *  -474.228/( (24.282+38.841)/ 2 )
=-1  *  -474.228/31.5615
=1,502.55 %

where

Total Debt  (Q: Dec. 2024 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=24.282 + 0
=24.282

Total Debt  (Q: Dec. 2025 )
=Long-Term Debt & Capital Lease Obligation + Short-Term Debt & Capital Lease Obligation
=38.841 + 0
=38.841

* 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.

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is one times the annual (Dec. 2025) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

What does a Effective Interest Rate on Debt % of 1,502.55% mean?
First Atlantic Bank (XGHA:FAB) has a Effective Interest Rate on Debt % of 1,502.55% as of Dec. 2025. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on First Atlantic Bank and its competitors.
Is First Atlantic Bank's Effective Interest Rate on Debt % too high?
First Atlantic Bank's current Effective Interest Rate on Debt % is 1,502.55%. Overall, First Atlantic Bank has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does First Atlantic Bank's Effective Interest Rate on Debt % compare to PNC?
First Atlantic Bank's Effective Interest Rate on Debt % of 1,502.55% 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 Effective Interest Rate on Debt % for a Banks company?
A good Effective Interest Rate on Debt % depends on the Banks industry context. However, Effective Interest Rate on Debt % 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 Effective Interest Rate on Debt % mean?
A high Effective Interest Rate on Debt % can signal that a stock is expensive relative to its fundamentals. Effective interest rate on debt is the rate a company actually pays on its debt. View historical data on First Atlantic Bank and its competitors. First Atlantic Bank's current Effective Interest Rate on Debt % is 1,502.55%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Atlantic Bank stock overvalued right now?
First Atlantic Bank (XGHA:FAB) has a current Effective Interest Rate on Debt % of 1,502.55%. The current Effective Interest Rate on Debt % is 1,502.55%. First Atlantic Bank's overall GF Score™ is 24/100. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Effective Interest Rate on Debt % calculated?
Effective Interest Rate on Debt % is calculated from a company's financial statements. For First Atlantic Bank (XGHA:FAB), the current Effective Interest Rate on Debt % is 1,502.55% as of Dec. 2025. 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.

First Atlantic Bank Business Description

Address Seventh Avenue, Atlantic Place No. 1, Ridge West, Accra, GHA
First Atlantic Bank PLC is engaged in providing banking services that include personal banking, corporate banking, digital banking, prestige banking, and others. The Group's portfolio consists of loans and investments segmented across five main portfolios: Corporate Loans, Retail Loans, Retail Controller Loans, SME loans & Investments. The Group comprises the following main business segments: Corporate Banking, Retail and business banking, and Global markets. It generates majority of its income from Global markets segment which undertake the Group's funding and risk management activities through borrowings, issues of debt securities and investing in liquid assets such as short-term placements and corporate and government debt securities.
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Effective Interest Rate on Debt % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

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