Bank of Ghana Governor, Johnson Pandit Asiama, has declared that Ghana’s financial sector has moved beyond the phase of stability restoration and must now focus on building long-term resilience anchored on stronger governance and sustainable business models.

Speaking at the bi-monthly meeting of heads of banks on Wednesday, February 18, 2026, Dr. Asiama stressed that while stability has been restored, the priority ahead is durability.

“Stability has been restored. The task now is durability. Durability requires stronger business models, broader ownership, deeper intermediation, disciplined innovation, and sound governance,” he stated.

He assured industry players that the Bank of Ghana will remain a “firm, fair, and forward-looking partner,” offering support where necessary but remaining clear in its regulatory expectations.

Touching on the Monetary Policy Committee’s (MPC) decision in January, the Governor disclosed that the Committee, at its 128th meeting, assessed improving global and domestic economic conditions before taking action.

According to Dr. Asiama, inflation has been declining faster than anticipated, with inflation expectations remaining well anchored.

Against that backdrop, the MPC concluded that monetary conditions were still tight relative to prevailing inflation dynamics.

“As a result, the Committee, by a majority decision, reduced the Monetary Policy Rate by 250 basis points to 15.50 percent,” he explained.

The rate cut signals growing confidence in Ghana’s macroeconomic recovery and easing inflationary pressures.

Beyond monetary policy, Dr. Asiama revealed that the central bank conducted a thematic review of banks’ business models last year.

The review examined funding structures, governance effectiveness, and operational sustainability across the sector.

He further addressed emerging risks and structural reforms within the industry, including the importance of strengthening cybersecurity frameworks amid rising digital threats.

The Governor also encouraged banks to explore capital-raising opportunities through listings on the Ghana Stock Exchange, as part of efforts to deepen ownership structures and enhance market discipline.