The Governor of the Bank of Ghana, Johnson Pandit Asiama, has declared that while stability has returned to Ghana’s banking sector, the focus must now shift to ensuring long-term durability.

Speaking at the bi-monthly meeting of heads of banks on Wednesday, 18 February 2026, Dr. Asiama stressed that sustaining the sector’s recovery would require stronger business models, broader ownership structures, deeper financial intermediation, disciplined innovation, and sound corporate governance.
“Stability has been restored. The task now is durability,” he stated. “Durability requires stronger business models, broader ownership, deeper intermediation, disciplined innovation, and sound governance.

The Bank of Ghana will continue to engage as a firm, fair, and forward-looking partner, supportive where necessary, but clear in its expectations.”

Touching on the outcome of the Monetary Policy Committee (MPC) meeting held in January, the Governor explained that the Committee convened its 128th meeting at a time when both global and domestic macroeconomic conditions were improving.
“With inflation declining faster than anticipated and expectations well anchored, the Committee judged that monetary conditions remained sufficiently tight relative to prevailing inflation dynamics,” he said.
As a result, the MPC, by majority decision, reduced the Monetary Policy Rate by 250 basis points to 15.50 percent.

Further disclosed that the central bank undertook a thematic review of banks’ business models in 2025, examining funding structures and governance effectiveness as part of efforts to strengthen the sector.

He also addressed key industry concerns, including cybersecurity risks and the need for banks to strengthen capital buffers, urging institutions to consider raising capital through listing on the Ghana Stock Exchange.

The Governor reaffirmed the Bank of Ghana’s commitment to maintaining financial sector stability while promoting sustainable growth and resilience across the banking industry.