Global ratings agency, Fitch, has flagged that six banks operating in Ghana are unlikely to meet capital compliance solely through their own earnings.
It says the institutions may need fresh capital injections, consolidation with stronger banks, or more regulatory forbearance to stay afloat.
Fitch Ratings has cautioned that six Ghanaian banks are at risk of failing to achieve the required capital adequacy compliance if left to rely only on internal capital generation.
According to the Agency, two of the undercapitalised banks are government-owned, and despite having already received capital support, they are expected to require additional injections — though this may not materialise before the end of 2025.
The report notes that such banks may need to merge with or be acquired by better-capitalised peers if fresh capital is not secured.
Meanwhile, the Bank of Ghana’s latest disclosures show a stronger position for the wider industry.
The sector’s capital adequacy ratio — excluding regulatory forbearance — improved significantly, rising from 8.7 percent in February 2024 to 18.2 percent by June 2025.
This means that the majority of banks are expected to remain comfortably compliant when the final phase of losses from government bond restructuring is accounted for at the close of 2025.
By Coffie Mawuedem Noel
