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82.6 percent of banks operating in the country are optimistic that Ghana’s financial system will remain stable over the next year, reflecting improving confidence in the sector’s resilience.
The finding, captured in the September 2025 Monetary Policy Report, indicates that banks expect a further moderation in risks to their financial soundness particularly in the areas of liquidity and solvency following a steady recovery in macroeconomic conditions.
The results stem from the Systemic Risk Survey (SRS), conducted twice a year by the central bank to gauge and track perceptions of financial stability risks in a forward-looking manner.
The latest survey shows a decline in the perceived likelihood and severity of macroeconomic and financial market risks compared to the start of the year.
According to the report, the July 2025 survey revealed that most risk indicators had eased relative to the January round, except for concerns over adverse global economic developments and disruptions from rapid technological innovations, which ticked up slightly.
Respondents cited external threats such as the U.S. trade tariff tensions, instability in the Middle East, and the Russia-Ukraine war as potential drags on global growth, with possible spillover effects on Ghana’s economy.
They also highlighted increased competition in the technology space and the uncertain impact of artificial intelligence (AI) as emerging risks to the financial sector.
Despite these headwinds, the Bank of Ghana report noted that overall confidence in the domestic financial system remains robust.
The majority of banks expressed optimism that Ghana’s financial stability would remain strong in the year ahead – a sign that recent policy actions and regulatory measures are beginning to restore trust in the banking sector’s long-term soundness.
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