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# Bank of Ghana Introduces Digital Lending Rules, Forex Pricing Directives, and 10% NPL Cap
- URL: https://www.theglobalbanker.com/bank-of-ghana-digital-lending-forex-npl-cap-recapitalisation/
- Published: 2025-06-03T12:25:00.000Z
- Updated: 2026-11-05T15:58:58.000Z
- Description: BoG Governor Johnson Asiama unveiled measures including tighter oversight of digital lending, forex pricing transparency rules and a ban on interest on inactive credit accounts, with some measures effective from July-August 2025 and a 10% NPL cap to be met by December 2026.
- Author: TGB Editorial Team
- Tags: Regulations, Africa, #archive

The Bank of Ghana has announced a package of regulatory measures for Ghanaian banks across three areas: interest charges on digital lending platforms, pricing on foreign-exchange transactions, and non-performing loan management. Governor Johnson Asiama presented the measures in early June 2025 at the central bank's post-Monetary Policy Committee meeting with heads of banks.

Some of the new measures are set to take effect from July and August 2025\. 

#### BLACKLIST DISCLOSURE AND DIGITAL PRICING RULES

The measures include a requirement for banks to disclose blacklisted borrowers in their annual accounts. 

The tighter oversight of digital lending platforms includes guidelines for banks and non-bank lenders due by August 2025\. 

The central bank said it would require greater transparency in FX pricing.

#### 10% NPL CAP SET FOR END-2026

The package also introduces a non-performing loan cap of 10% for financial institutions, which banks must meet by December 2026\. 

Separately, the central bank said it would continue to push for the recapitalisation of underperforming banks.