The banking industry in Ghana is demonstrating renewed financial resiliency.

Compiled By: Prince Henry Danquah, Bora Capital Advisors Ltd

Ghana’s banking sector is showing renewed financial resilience, with lenders significantly strengthening their capital buffers as balance sheets recover from the shocks of debt restructuring and rising credit risk that weighed on the industry in recent years.

New industry data shows the sector’s Capital Adequacy Ratio (CAR) climbed sharply to 17.5 per cent at the close of 2025, up from 14 per cent a year earlier, signalling stronger solvency levels and improved shock-absorption capacity across the banking system.

Even more striking, the CAR excluding regulatory reliefs also rose to 17.5 per cent from 11.3 per cent, indicating banks are increasingly relying on internally rebuilt capital positions rather than temporary regulatory support measures.

Source: newsthemegh.com