The Bank of Ghana has revealed that two banks remained undercapitalised as of December 2025.

These are UMB and Prudential Bank Ghana.

According to the Governor of the Bank of Ghana, Dr. Johnson Asiamah, some commitments have been made to ensure that the two banks receive the necessary capital as soon as possible.

For UMB, he disclosed that the recapitalisation plans have been extended to end-March 2026. This is to enable other key shareholders such as SSNIT and SIC to make good the proposed capital injections.

He added that discussions are ongoing between the Bank of Ghana on one hand and SSNIT, SIC and the Ghana Amalgamated Trust on the other hand.

For Prudential Bank Limited, the Governor said the government intends to close the bank’s capital gap.

This is in line with the Overarching Restructuring Strategy and Plan developed by the Government, Bank of Ghana and Prudential Bank Limited.

Meanwhile, Dr. Asiamah says the Government of Ghana remains the majority shareholder of ADB.

It has a shareholding of 88.16% whilst the Bank of Ghana has 9.66% shares.