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.

Supervision on The Tradewinds Brief

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