Ghana's banking sector capital adequacy climbs to 22.07 per cent as supervisory framework tightens

Wed, 13 May 2026 00:00:00 +0000

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.

Ghana's cedi gains, reserves, and rate cuts hold the recovery line as 2026 outlook firms

Wed, 13 May 2026 00:00:00 +0000

The Bank of Ghana’s recovery narrative held through the first quarter of 2026 and remains the most consequential African economic story for diaspora observers tracking the corridor. The cedi appreciated roughly 41 per cent across 2025, ranking among the strongest-performing emerging-market currencies. Gross international reserves rose from US$9.1 billion at end-2024 to US$13.8 billion at close-2025, climbing further to US$14.5 billion by February 2026 — the highest reserve position Ghana has recorded.

Bank-of-Ghana on The Tradewinds Brief

Ghana's banking sector capital adequacy climbs to 22.07 per cent as supervisory framework tightens

Ghana's cedi gains, reserves, and rate cuts hold the recovery line as 2026 outlook firms