Ghana’s Banking Sector Remains Strong and Well-Capitalised, with Capital Adequacy of 20.4%, Well Above the 13% Statutory Minimum” — World Bank

Ghana’s banking sector continues to strengthen, with improvements in capital, profitability and asset quality reinforcing the stability and resilience of the country’s financial system.

Strong capital buffers, improving asset quality and sustained profitability are important to maintaining public confidence and ensuring that banks remain resilient in the face of potential economic and financial shocks.

In its 10th Ghana Economic Update, released in August 2026, the World Bank highlights the strong capital position of Ghanaian banks.