Ghana’s banking sector has recorded a remarkable performance in 2025, with total assets increasing significantly driven by growth in domestic deposits, domestic borrowings, and shareholders’ funds. According to the Bank of Ghana, the asset growth was primarily reflected in investments, which increased substantially.
Ghana’s banking sector has turned a decisive profitability corner just as monetary policy pivots to support growth,” according to data from Bank of Ghana.
The latest financial soundness indicators show that the banking sector was solvent, profitable, and efficient, with the Non-Performing Loan (NPL) ratio improving to 18.9 percent in December 2025 from 21.8 percent in 2024. Ongoing policy measures aimed at resolving legacy loans, enforcing strict credit underwriting standards, and addressing wilful defaults are expected to further improve asset quality.
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The easing of the policy rate, which was lowered to 15.5% in January 2026, is expected to support credit conditions and strengthen financial intermediation going forward.
