The perceived risks of banks operating in Ghana to their financial soundness would moderate over the next year.

According to the September 2025 Monetary Policy Report, this was largely driven by positive sentiments with respect to liquidity and solvency conditions of banks.

This is coming after the Bank of Ghana undertook a Systemic Risk Survey (SRS). This survey is done twice a year to quantify and track banks’ perceptions of financial stability risks in a forward-looking manner.

The report indicated that the perception of the likelihood of manifestation of macroeconomic and financial market risks and the severity of their expected impact on the financial system has also declined.

The July 2025 survey shows that in comparison to the January 2025 results, the likelihood of these risks occurring is moderating over time except for adverse global economic conditions and disruptions from rapid technological innovation, which increased in the July 2025 survey round.

According to respondents, the U.S. trade tariff war, instability in the Middle East and the Russia-Ukraine war are expected to slow down growth in major economies, thereby impacting global economic growth.

Also, increased competition within the tech space and the unknown bounds of artificial intelligence could pose risks to the financial system.

Overall, the banks expressed confidence that stability in Ghana’s financial system would remain high in the year ahead.

The survey findings showed that 82.6%  of respondents expressed optimism about the system’s stability over the next year, reinforcing the positive sentiments.