Ghana Association of Banks says Ghana’s banking sector staged a strong recovery in 2025, posting healthier balance sheets, stronger capital buffers and lower bad loans after years of economic turbulence.
According to the latest industry analysis, the sector’s Capital Adequacy Ratio (CAR) rose significantly from 14 per cent to 17.5 per cent, signalling improved financial resilience. Even without temporary regulatory relief measures introduced during the economic crisis, CAR improved from 11.3 per cent to 17.5 per cent, indicating that banks are increasingly strengthening their finances through internal performance rather than external support.
Banks also recorded major improvements in asset quality as non-performing loans declined from 21.8 per cent to 18.9 per cent, while bad loans excluding fully impaired facilities dropped sharply to five per cent. Total sector assets grew by 21.5 per cent to GH¢446.9 billion, deposits rose to GH¢325.3 billion, and loans expanded to GH¢111 billion—signs of renewed public confidence and a gradual return to stronger lending activity.
