In a keynote address at the inauguration of Advans Ghana’s new head office, Bank of Ghana Second Deputy Governor Matilda Asante-Asiedu urged savings and loans companies to meet year-end capital and asset quality expectations. Regulated institutions are expected to reduce their nonperforming loan ratio to no more than 10% by the end of December 2026. The savings and loans subsector’s ratio worsened to 19.44% in July 2026 from 15.35% a year earlier, even as the banking industry’s ratio declined to 16.1% at the end of June from more than 23%.
Bank of Ghana reiterates end-2026 capital and 10% NPL thresholds for savings and loans firms
Bank of Ghana Second Deputy Governor Matilda Asante-Asiedu urged savings and loans companies to meet end-2026 capital and asset quality thresholds. Existing firms transitioning into Microfinance Banks must hold at least GHS 50 million in capital, while regulated institutions are expected to reduce nonperforming loans to no more than 10%. The savings and loans subsector’s NPL ratio rose to 19.44% in July 2026.