By the end of June 2026, operating income had risen 36.1 percent year-on-year to GH¢3.73 billion. The first half performance suggests that GCB has carried its 2025 momentum into a far more demanding earnings environment. Interest income grew by a modest 4.1 percent to GH¢2.91 billion, but interest expense fell 28.9 per cent to GH¢564.7 million. The sharp reduction in funding costs lifted net interest income by 17.3 per cent to GH¢2.34 billion, cushioning the impact of lower market rates. Personnel, depreciation and other operating expenses increased by 20.5 per cent in aggregate, well below the 36.1 per cent rise in operating income.