Financial Soundness – Bank of Ghana

Financial Soundness Indicators

FS Indicator

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Financial Soundness

Monthly Financial Soundness Indicators (Banking Sector)

Year:

Variables:

Year	Variables	Jan	Feb	Mar	Apr	May	Jun	Jul	Aug	Sep	Oct	Nov	Dec
2022	Capital Adequacy Ratio (%)	19.32	19.56	21.31	21.33	20.62	19.35	18.57	17.80	16.31	14.18	14.74	16.56
2022	Non Performing Loans (%)	14.22	14.40	14.42	14.30	14.40	14.06	14.20	14.30	14.05	13.96	14.08	14.79
2022	Core Liquid Assets to Short-term Liabilities (%)	26.55	24.19	27.59	28.22	28.65	30.18	30.74	31.08	31.54	34.41	35.14	35.26
2022	Core Liquid Assets to Total Assets (%)	20.40	18.57	21.25	21.70	22.10	23.36	23.87	23.93	24.44	27.22	27.92	27.73
2022	Return On Assets (ROA) – Before Tax (%)	4.52	4.27	4.68	4.68	4.65	4.59	4.64	4.68	4.50	4.02	4.04	3.08
2022	Return On Equity (ROE) – After Tax (%)	22.22	21.46	22.13	22.30	22.37	21.94	22.67	23.02	21.91	20.23	20.67	14.58
2021	Credit to Deposits (%) (From Aug 2018, credit excl loans under receivership)	46.06	45.74	44.65	45.65	45.10	43.10	43.21	43.80	43.97	43.92	43.42	44.42
2021	Core Liquid Assets to Short-term Liabilities (%)	26.20	26.50	26.90	24.90	25.50	27.50	27.80	24.70	25.30	24.60	24.40	25.90
2021	Core Liquid Assets to Total Assets (%)	19.80	19.90	20.30	18.60	19.10	20.70	20.90	18.60	19.10	18.90	18.70	20.00
2021	Return On Assets (ROA) – Before Tax (%)	4.90	4.40	4.70	4.60	4.50	4.70	4.60	4.60	4.60	4.40	4.40	4.50