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[QUOTE="Munyaradzi Mafaro, post: 52421, member: 636"]
Ghanaian banks have largely recovered from capital deficits caused by the Domestic Debt Exchange program, according to International Monetary Fund findings. Most financial institutions achieved their recapitalization requirements before 2024 ended. The Bank of Ghana tracks five institutions that missed December deadlines for capital restoration. These banks face challenges from unfulfilled shareholder commitments, rising bad loans, and incomplete asset quality reviews from 2023. State and private lenders comprise the group falling behind schedule.

All banks must reach a 13 percent Capital Adequacy Ratio by December 2025 without regulatory relief. Banks meeting 2024 targets appear positioned to satisfy final requirements within established timeframes. The Finance Ministry allocated budget resources in March to help struggling state banks achieve compliance. Bank of Ghana applies graduated enforcement measures against underperforming institutions. Regulators restrict capital-deficient banks from excessive risk activities and limit their spending on equipment and facilities.
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