Governor of the Bank of Ghana, Dr. Johnson Asiama, has called on banks to transform Ghana’s hard-won financial stability into a platform for innovation, digital transformation, and inclusive growth.
Speaking at the 42nd Annual General Meeting of the Ghana Association of Bankers and the launch of the GH Bankers’ Voice Magazine on October 23, 2025, Dr. Asiama said Ghana’s banking sector has emerged stronger after years of reforms, crises, and resilience.
He noted that key indicators show renewed confidence in the system, including a capital adequacy ratio of 18.28 percent, easing non-performing loans of 20.77 percent, and a sharp decline in inflation to 9.4 percent, the lowest in four years.
“That resilience was not accidental. It reflects discipline, sacrifice, and partnership, the collective effort of banks, regulators, and industry leaders working toward a single goal: restoring confidence,” he said.
While applauding the sector’s recovery, Dr. Asiama emphasized that stability is only the beginning, urging banks to embrace technology and innovation to meet changing customer expectations and global competition.
“Stability is not the destination. It is the launchpad,” he stated, adding that “the true measure of central banking success is not only how we maintain stability, but how we transform that stability into a platform for innovation, inclusion, and growth.”
He also announced ongoing efforts by the Bank of Ghana to modernize regulation and digital infrastructure, including the eCedi pilot, open banking framework, and forthcoming cryptocurrency regulations.
“The next decade will not belong to the biggest balance sheets. It will belong to the boldest learners, those who adapt fastest, collaborate deepest, and innovate safest,” Dr. Asiama said.
