A new Bank of Ghana survey shows that 82.6% of banks operating in Ghana expect the country’s financial system to remain stable over the next 12 months, signalling renewed confidence in the banking sector after years of macroeconomic pressure and post-restructuring challenges.
The finding, detailed in the September 2025 Monetary Policy Report, reflects broad optimism across the sector as banks anticipate further easing in liquidity and solvency risks amid Ghana’s ongoing economic recovery.
The assessment comes from the central bank’s Systemic Risk Survey (SRS), conducted twice annually to measure financial institutions’ perception of emerging risks and overall system stability.
Risks Easing as Economic Confidence Improves
According to the report, perceived risk levels have fallen significantly since the beginning of the year, with banks reporting greater confidence in the economy, the cedi outlook, and overall financial conditions.
Respondents highlighted continued recovery following the domestic debt exchange program and strong policy measures implemented by the central bank as key anchors of confidence.
The only areas where risk concerns slightly increased were:
- External geopolitical tensions — including Middle East instability, Russia-Ukraine conflict, and U.S. trade tariff shifts
- Technological disruption — particularly competition and uncertainties surrounding AI adoption and cybersecurity
Despite these external pressures, banks overwhelmingly project stability rather than volatility in the local financial environment.
Read Also: GES urged to make sign language compulsory in SHSs under new education push
Sector Stability Seen Strengthening Further
The Bank of Ghana noted that banks’ feedback signals improving trust in regulatory reforms and fiscal measures, with institutions expecting capital positions and liquidity levels to continue strengthening.
“This renewed optimism reinforces the progress we are seeing,” the report indicated, referencing strengthened supervisory frameworks, capital buffers, and market reforms.
The findings underscore rising confidence from lenders, a key driver for future credit expansion, private-sector support, and economic growth.
The central bank will continue monitoring global and domestic financial risks as part of its macro-prudential supervision efforts.
