Bank capital to assets ratio (%) (Financial Soundness) in Ghana
Ghana: Bank capital to assets ratio (%) (Financial Soundness) 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 120th out of 147 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 (%) (Financial Soundness) 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% |
Ghana compared with similar countries
- Ghana's 6.6% is below the median for lower middle income countries, which is 9.2%, 72% of the median. (31 countries reporting)
- Ghana's 6.6% is below the median for Sub-Saharan Africa, which is 9.1%, 73% of the median. (29 countries reporting)
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
- Reserve position in the IMF, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0011 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 3.61 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 0 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0008 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 2.64 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0011 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 3.61 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 0 % change on previous year (2025)
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 120th out of 147 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.