Ghana’s banking sector capital adequacy ratio reached 22.07 per cent in early 2026, up from 14 per cent at end-2024 and well above the international Basel requirement of 13 per cent. The Bank of Ghana’s supervisory framework, tightened through 2025 alongside the country’s broader macroeconomic stabilisation, has produced a banking system that international assessors now regard as among the better-capitalised in West Africa.
The non-performing loan trajectory tells the same story from a different angle. NPLs fell from 22 per cent at end-2024 to 18.9 per cent by close-2025, with a target of 10 per cent by end-2026. The supervisory focus has shifted from volume of credit to quality of credit, with the Bank of Ghana enforcing tighter governance expectations on bank boards, stricter anti-money-laundering compliance, and more granular operational-resilience requirements.
For the diaspora, the banking sector improvements are the foundation under several practical questions. Remittance routing through Ghanaian banks has been more reliable through 2026, the dollarisation pressure that had eroded depositor confidence in 2022–2023 has visibly receded, and the easing rate environment is starting to create room for stressed-but-viable borrowers to be restructured rather than written off. The Ghana Fixed Income Market more than doubled in trading volume in 2025, with the next benchmark being the development of a genuinely liquid secondary market. Each piece of the financial-sector reform is now reinforcing the others. The challenge is preventing political turnover from disrupting the sequence.
Sources: Bank of Ghana; Ghanamma; Ghana Broadcasting Corporation, April–May 2026.