CalBank Banking Sector Overview & Competitor Benchmarking

Banking sector | Financial soundness indicators Key financial soundness indicators remained broadly sound, supported largely by the regulatory reliefs provided by the Bank such as the reduction in CAR to 10.0% from 13.0% as of FY 2022, and losses from the DDEP1 are to be reflected in the computation of CAR over a period of up to 3 years 55.0% 35.0% Solvency 21.9% 17.5% RWA/Total Assets CAR 21.1% 19.6% 14.7% 84.3% Efficiency* Total Cost-to-Gross Income 87.5% 81.2% 80.0% 79.8% 56.0% 51.1% 52.0% 58.6% 57.5% 15.0% FY18 FY19 FY20 FY21 FY22 FY18 FY19 FY20 FY21 FY22 18.2% Non-Performing Loans Ratio 15.2% 14.3% 14.5% Profitability Ratios ■ROE ■ROA 14.8% 21.2% 19.9% 20.6% 18.5% 14.6% LLLLI 4.8% 3.4% 4.3% 3.1% FY18 FY19 FY20 FY21 FY22 FY18 FY19 FY20 FY21 FY22 Source: Bank of Ghana Monetary Policy Report, Summary of Economic and Financial Data 'Domestic Debt Exchange Programme *includes impairment charge 13 CalBank

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