Banks’ shareholders’ funds position continued to improve on the back of the ongoing recapitalisation of the sector and a continuous pickup in profits across the industry.

According to the May 2025 Monetary Policy Report, total shareholders’ funds grew by 42.6% to GH¢43.9 billion as at end-April 2025 from 46.1% in April 2024.

This reflected increases in paid-up capital and the banks’ reserves.

Total Assets Grew 27.2%

Meanwhile, total assets of the banking sector grew by 27.2% to GH¢390.1 billion in April 2025 relative to a growth of 28.8% in April 2024.

In terms of components, foreign assets grew by 49.0% in April 2025, up from 47.5% in April 2024, while domestic assets picked up by 24.9% in April 2025 compared to 21.7% a year earlier.

Consequently, the share of foreign assets in total assets improved to 11.1% in April 2025 from 9.5% in April 2024 while the share of domestic assets declined to 88.9% from 90.5% over the same comparative period.

Investments Growth Remains Flat

Growth in investments remained relatively flat at 27.8% in April 2025 compared to a growth rate of 27.1% in the prior year.

The stock of investments stood at GH¢135.4 billion with a fairly equal distribution between bills and securities.

Investments in securities grew moderately by 10.0% in relative to a growth of 22.0% a year earlier. Growth in short-term bills on the other hand, surged by 51.7% in April 2025 from 34.6% in April 2024.

This was on account of an uptick in banks’ holdings of Bank of Ghana bills during the review period.