Banks’ NPLs drop to 16.1%, but credit risk remains key vulnerability
Meanwhile, the banking sector recorded robust performance in June 2026, with strong asset growth, improved solvency, and enhanced asset quality.
Asset quality of banks strengthened, with the Non-Performing Loan (NPL) ratio declining to 16.1% in June 2026, from 23.1% a year earlier.
Notwithstanding these improvements, elevated credit risk remained a key vulnerability.
According to the Bank of Ghana, this requires continued adherence to prudential and regulatory measures expected to further strengthen asset quality and reduce the level of NPLs across the industry.
Meanwhile, the banking sector recorded robust performance in June 2026, with strong asset growth, improved solvency, and enhanced asset quality.
Total assets increased by 30.7% to GH¢502.4 billion, supported by growth in deposits, borrowings, and shareholders’ funds.
The banks’ solvency improved, with the Capital Adequacy Ratio at 20.4% in June 2026 from 10.6% in June 2025.