Fitch Scores estimates that six banks working in Ghana are unlikely to realize capital compliance by inside capital era alone.
Subsequently, they might want to search capital injections, merge with or be acquired by better-capitalised banks, or be granted prolonged forbearance to permit time to retain enough earnings to conform.
It identified that two of the banks that stay undercapitalised are government-owned and have already acquired capital injections.
“We anticipate them to obtain additional capital help to realize capital compliance, though this will likely not materialise earlier than end-2025”, it added.
In the meantime, the banking sector’s capital adequacy ratio excluding the good thing about forbearance was first disclosed by the Financial institution of Ghana on the finish of February 2024, as 8.7%.
It elevated to 18.2% on the finish of the first-half of 2025.
This indicated that the overwhelming majority of banks will probably be comfortably compliant when the remaining 25% of the losses incurred on cedi authorities bonds is phased into regulatory capital at end-2025.
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