Bank capital to assets ratio in Ghana
Ghana: Bank capital to assets ratio was 6.6% in 2025. ▼ Falling
Bank capital to assets ratio in Ghana, 2008–2025
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
Ghana recorded 6.6% for bank capital to assets ratio in 2025.
That represents a change of up 29.5% on the previous year and down 37.1% over ten years.
Over the whole period, bank capital to assets ratio in Ghana peaked at 12.4% in 2010 and was at its lowest, 5.1%, in 2024.
That places Ghana 119th out of 146 countries with data for 2025, putting it in the bottom quarter.
The long-run direction has been consistently falling across the 18 years of available data.
Bank capital to assets ratio in Ghana, year by year
| Year | % | Change |
|---|---|---|
| 2008 | 10.0% | — |
| 2009 | 11.9% | +19.0% |
| 2010 | 12.4% | +4.6% |
| 2011 | 10.7% | -14.2% |
| 2012 | 11.1% | +4.1% |
| 2013 | 10.0% | -10.1% |
| 2014 | 10.6% | +6.3% |
| 2015 | 10.5% | -1.0% |
| 2016 | 9.2% | -12.6% |
| 2017 | 8.9% | -3.0% |
| 2018 | 12.3% | +37.9% |
| 2019 | 10.7% | -13.2% |
| 2020 | 9.8% | -8.5% |
| 2021 | 9.0% | -7.7% |
| 2022 | 7.7% | -14.1% |
| 2023 | 5.2% | -32.5% |
| 2024 | 5.1% | -2.4% |
| 2025 | 6.6% | +29.5% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 10.9% | 10.0% | 11.9% | 2 |
| 2010s | 10.6% | 8.9% | 12.4% | 10 |
| 2020s | 7.2% | 5.1% | 9.8% | 6 |
Countries ranked near Ghana
More financial sector data for Ghana
- Reserves excluding gold, foreign exchange (SDR), annual growth rate 53.45 % change on previous year (2024)
- Reserves excluding gold, foreign exchange (SDR), per unit of GDP 0.04 SDR per US$ of GDP (2024)
- Reserves excluding gold, foreign exchange (SDR), per capita 96.88 SDR per person (2024)
- Reserves excluding gold (SDR), annual growth rate 51.14 % change on previous year (2024)
- Reserves excluding gold (SDR), per capita 99.61 SDR per person (2024)
- Total reserves (gold at market value) (SDR), annual growth rate 26.97 % change on previous year (2024)
- Total reserves (gold at market value) (SDR), per capita 99.61 SDR per person (2024)
- Total reserves (gold at national valuation) (SDR), annual growth rate 61.26 % change on previous year (2024)
- Total reserves (gold at national valuation) (SDR), per capita 155.67 SDR per person (2024)
- Total reserves in months of imports, annual growth rate 13.18 % change on previous year (2024)
Frequently asked questions
- What is bank capital to assets ratio in Ghana?
- Bank capital to assets ratio in Ghana was 6.6% in 2025, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank capital to assets ratio recorded in Ghana?
- The highest recorded value was 12.4% in 2010.
- What is the lowest bank capital to assets ratio recorded in Ghana?
- The lowest recorded value was 5.1% in 2024.
- How does Ghana rank for bank capital to assets ratio?
- Ghana ranks 119th out of 146 countries with data for 2025.
- Is bank capital to assets ratio rising or falling in Ghana?
- Over the last ten years it is down 37.1%. The long-run trend across the full record is falling.
- Where does this Ghana data come from?
- The figures come from Financial Soundness Indicators, International Monetary Fund (IMF), published as part of Bank capital to assets ratio (%). Statizoid updates them automatically from the source API.
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CSV · JSON — 18 observations, free to reuse under CC BY 4.0 (World Bank Open Data).
About this data
The indicator is a measure of capital adequacy that evaluates the financial strength of deposit takers by comparing Tier 1 capital to total assets. Tier 1 capital, often referred to as core capital, includes the most stable and readily available forms of capital, such as common equity, disclosed reserves, retained earnings, and certain other instruments that meet regulatory requirements under the Basel framework. This capital is considered the highest quality because it is fully available to cover losses and does not need to be repaid.