Fitch Ratings has projected that six banks operating in Ghana are unlikely to meet capital compliance requirements through internal capital generation alone.
According to the rating agency, these banks may have to rely on external interventions such as capital injections, mergers, acquisitions by stronger institutions, or extended regulatory forbearance to allow them time to build sufficient earnings.
Fitch noted that two of the affected banks are government-owned and have already benefited from capital injections in the past. It, however, warned that further state support for these institutions “may not materialise before end-2025.”
The Bank of Ghana had earlier disclosed that the sector’s capital adequacy ratio, excluding regulatory forbearance, stood at 8.7% at the end of February 2024. By the end of the first half of 2025, the ratio had risen sharply to 18.2%, indicating broad improvement across the sector.
This means that most banks are expected to remain comfortably compliant when the final 25% of losses incurred on cedi-denominated government bonds is fully phased into regulatory capital at the end of 2025.
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