The macroprudential assessment at the September 2026 Monetary Policy Committee round showed that systemic vulnerabilities within Ghana’s banking industry remain broadly subdued.
According to the Bank of Ghana, the macro-financial risks remained contained on account of favourable macroeconomic conditions, declining sovereign risk
It, however, said the credit-to-Gross Domestic Product (GDP) gap remains negative but is gradually narrowing, signalling increased private-sector credit growth without significant risk of credit overheating.
“The banking sector continues to exhibit strong capital adequacy, liquidity, profitability, and strong asset quality, with contagion risks remaining well contained”, it stated.
The July 2026 Systemic Risk Survey round indicated that banks remain broadly optimistic about the stability of the financial system over the next year.
However, there are concerns regarding adverse global economic conditions and disruption from rapid technological innovation going forward.
The Central Bank said it will continue to monitor developments in global economic conditions and implement policies to minimise the impact of adverse global economic outcomes on the domestic economy.
On risk from rapid technological change, it assured to continue to work with other stakeholders and enforce the cybersecurity directive to ensure banks maintain robust operational systems.