Africa-Press – Ghana. Private sector loans by Ghanaian banks increased to GH¢92.2 billion in April 2025, up from GH¢77.9 billion in April 2024, according to a Bank of Ghana report.
Despite the GH¢14.3 billion increase, the annual private sector credit growth rate slowed, declining by 10.2 percentage points, from 28.5 per cent to 18.3 per cent.
The report noted that the banking sector’s total assets also saw significant growth, reaching GH¢390.1 billion in April 2025, a GH¢83.4 billion rise from GH¢306.7 billion in 2024.
However, asset expansion slowed, with growth easing from 35.8 per cent to 27.2 per cent.
Deposits followed a similar trend, rising to GH¢289.5 billion, up GH¢53.3 billion from GH¢236.2 billion in 2024. Yet, the deposit growth rate declined, dropping from 26.2 per cent to 22.6 per cent.
The report further highlighted key financial soundness indicators in Ghana’s banking sector, including Capital Adequacy Ratio (CAR), Non-Performing Loans (NPL), and Return on Equity (ROE).
CAR improved slightly to 17.6 per cent, up 0.5 percentage points, while NPL decreased to 17.4 per cent from 17.6 per cent.
Profitability indicators showed mixed results, with Return on Assets (ROA) rising to 4.0 per cent from 3.9 per cent, while ROE declined to 24.3 per cent from 25.1 per cent.
Net Interest Margin (NIM) increased to 12.9 per cent, up 0.6 percentage points.
Meanwhile, liquidity ratios softened to 44.0 per cent from 45.4 per cent, and the cost-to-income ratio increased to 44.0 per cent from 43.1 per cent.
For More News And Analysis About Ghana Follow Africa-Press
