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A new report by the Bank of Ghana shows that over 82 percent of banks operating in the country are confident Ghana’s financial system will remain stable in the coming year, a clear sign of growing optimism about the sector’s resilience and recovery. The finding, contained in the September 2025 Monetary Policy Report, suggests that most banks anticipate a continued reduction in liquidity and solvency risks as macroeconomic conditions steadily improve. The report is based on the Systemic Risk Survey (SRS) — a semi-annual assessment by the central bank designed to gauge perceptions of financial stability risks in a forward-looking manner. According to the survey, the likelihood and severity of financial market and macroeconomic risks have both declined compared to the beginning of the year. The July 2025 survey round revealed that most risk indicators had eased relative to January, reflecting improved market confidence and policy stability. However, the report cautioned that external uncertainties continue to pose challenges. Banks cited global concerns including U.S. trade tensions, instability in the Middle East, and the Russia-Ukraine conflict, which could dampen global growth and have spillover effects on Ghana’s economy. Respondents also pointed to rising technological disruptions — particularly the pace of artificial intelligence adoption and digital competition — as emerging risks that warrant attention from regulators and financial institutions. Despite these headwinds, the Bank of Ghana noted that overall confidence in the domestic financial system remains strong, driven by effective monetary policy management and regulatory reforms that have reinforced stability in the sector. The report concludes that the majority of banks expect Ghana’s financial system to remain sound over the next year, signalling that ongoing recovery measures are beginning to restore trust in the long-term health and resilience of the country’s banking industry.
