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@weloveghana042 @Serwaa_Amihere Government vehicles start with GV and a green font color.

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@MrBeast .

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Do you remember when you joined X? I do! #MyXAnniversary

[Fantasy Premier League @OfficialFPL]

The wait goes on 😩

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💡 What’s driving the leaders?
•Strong low-cost deposits (CASA)
•Better risk management
•Digital + transaction income
•Corporate dominance

This is no accident.

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📉 Key Insight:
There’s a massive gap between the top 4 banks and everyone else.

Ghana’s banking sector is no longer balanced.
It’s becoming a winner-takes-most market.

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I’m very certain that Dumsor is back. Every few days and then an outage.

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@brfootball Even if Ghana doesn’t win or go far at the World Cup, they at least got a nice looking jersey to look at for the next 4 years.

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@ManUtd @B_Fernandes8 67

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@krakenfx_ES vs @krakenfx_UK tonight.

Two @krakenfx -sponsored clubs facing off —
one sailing smoothly 🌊
the other fighting the storm.

At the moment: Atlético Madrid 4 – 1 Tottenham.
#ATMTOT #UCL

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@stainGH_ How are you spending 1k on internet?

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Some time ago I posted about Netflix winning the bid for Warner Bros. Discovery.

Well… that story has taken a turn.

Netflix has now walked away from the deal, clearing the way for Paramount Skydance to acquire Warner Bros. Discovery in a ~$110B transaction after submitting a higher bid for the entire company.

Why Netflix stepped back:
• The price escalated significantly
• Paramount’s offer (~$31/share) was higher
• Netflix mainly wanted the studio + streaming assets, not the legacy cable networks
• Investors worried about the debt required to complete the deal
Ironically, Netflix still walks away with ~$2.8B breakup fee.
If regulators approve the merger, the combined company would control major brands like HBO, Warner Bros., CBS, Paramount Pictures, Nickelodeon and CNN, creating one of the largest content libraries in entertainment.
Sources: Reuters, AP News, Business Insider

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Great!! I was hoping for them to win the bid.

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🇬🇭 Ghana’s 5G era has officially begun.

• Ghana has activated its first commercial 5G infrastructure platform, operated by Next-Gen Infraco (NGIC) under a shared wholesale network model.
• The network is already live in parts of Accra, Kumasi and Tamale, with nationwide expansion underway.
• Government’s target: ~70% population coverage by 2027.
• At the same time, regulators are considering removing NGIC’s exclusivity to allow telcos like MTN, Telecel and AT to deploy their own 5G networks potentially accelerating rollout and competition.

If executed well, 5G could unlock faster digital payments, IoT, remote services, and next-gen connectivity across Ghana.

Sources:
Bloomberg
Citi Newsroom
Ecofin Agency
Graphic Online
MyJoyOnline

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CalBank 2025: Not a Growth Story
A Comeback Story.

Let me break it down simply.

2023 → Massive losses.
2024 → Survival mode.
2025 → Stabilised. Recapitalised. Repositioned.

Here’s what really happened 👇🏾

1️⃣ They fixed the balance sheet.
Capital Adequacy Ratio moved from -6.4% to 19.8% after a GHS 900m rights issue (oversubscribed).
That saved the bank.

2️⃣ Asset quality improved dramatically.
NPL ratio dropped from 47.5% to 17%.
This came from recoveries, write-offs, and shrinking risky loans.

3️⃣ Profitability returned.
PAT: GHS 305m (2025) vs GHS 268m (2024).
Not explosive but stable.

4️⃣ Smart strategic shift.
Instead of chasing risky lending, they’re growing:
•Trade finance
•Payments
•Cash management
•Digital income
More non-interest revenue. Less dependence on rates.

5️⃣ Cost discipline improved.
Non-staff expenses cut by 18.8%.

⚠ But here’s the truth:
•Loan book is still small.
•No dividend likely in 2026.maybe they will. We will see
•Interest margins will compress further.

This is Phase 2 of a turnaround not hyper growth yet.

📌 2026 Outlook:
Expect disciplined lending growth, stronger fee income, stable profits (GHS 320m–380m range), and continued capital protection. Maybe.

📊 My take:
CalBank is no longer distressed.
It’s rebuilding carefully.
If they execute well in 2026–2027, they become a leaner, smarter bank.

The rescue story is done.
Now execution begins.