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.
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