CalBank Banking Sector Overview & Competitor Benchmarking

Banking sector | Overview Developments in the banking sector broadly reflected the challenging operating environment in 2022 on account of macroeconomic conditions, and the recent implementation of the Domestic Debt Exchange Programme (DDEP) which all 23 universal banks participated in. Indicator Dec-22 Dec-21 Year-on-Year Change Key Ratios CAR NPL RoE RoA 16.60% 19.60% -3.00% 14.80% 15.20% -0.40% 14.60% 20.60% -6.00% 3.10% 4.50% -1.40% (GHS billion) Total Assets 221.00 179.80 22.90% Loans 70.00 53.80 30.20% Deposits 157.90 121.10 30.40% Source: Bank of Ghana Monetary Policy Report, Summary of Economic and Financial Data 12 CalBank

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