Ghanaian banks increased their investment in Treasury bills in April 2026, as many institutions shifted more of their funds into short-term government securities.

Treasury bills remained the largest part of banks’ investment portfolios, with their share rising from 50.3% in April 2025 to 64.7% in April 2026.

This means that nearly two-thirds of the money banks placed in investment instruments was held in Treasury bills. The increase suggests that banks preferred investments that mature within a shorter period and can be converted into cash more easily.

At the same time, the share of long-term securities dropped from 49.4% to 34.8%. This shows that banks reduced their exposure to investments that take several years to mature.

Equity investments, which include shares in companies, remained very small. However, their share increased slightly from 0.3% to 0.5% during the period.

The broader structure of the banking sector’s assets also changed as banks allocated more money to investments and loans.

Investments, including Treasury bills, longer-term securities and equities, became the largest asset category on banks’ balance sheets. Their share increased from 34.7% in April 2025 to 41.8% in April 2026.

The share of net advances, which mainly represents loans given to customers after accounting for possible losses, also increased slightly from 19.3% to 20.1%.

In contrast, cash and balances held with other banks declined from 36.6% to 30.3%. This suggests that banks moved some of their available cash into investments and lending activities.

Non-earning assets, such as buildings, equipment and other assets that do not directly generate interest income, also declined from 9.4% to 7.7%.

Overall, the figures show that Ghanaian banks increasingly preferred Treasury bills and other income-generating assets in April 2026, while holding a smaller proportion of their funds in cash and long-term securities.