Banks’ sustainable success will be defined less by interest margins – PwC

A Banking Survey by PwC has revealed that Ghana’s banks are entering an era where sustainable success will be defined less by interest margins and more by strategic focus, backed by successful business model reinvention.

Meanwhile, Ghana’s banking sector operated in a much more supportive macroeconomic environment in 2025, underpinned by easing inflation, exchange rate stability, stronger economic growth and improved fiscal conditions.“Whether as factories, distributors, advisors, enablers, funders, segment specialists, or scaled conglomerates, banks will need to make clear choices about where they can win, invest in the capabilities that support those choices, and build business models capable of generating value beyond the interest-rate cycle”, it disclosed.