The Ghanaian government intends to reward liabilities to the Mass Conveyance Organizations which thusly acquired assets from business banks adding to the expanding non-performing advances of the business. Diminishing the openness of banks to the energy and utility area is supposed to improve the resource nature of the area (Swamp, 2016).
The disclosure of oil in business amounts gives immense functional and speculation valuable open doors for Ghanaian banks (Mawutor, 2014; GBS, 2011).
Dangers
Exorbitant contest from liberation and widespread financial practices can cause bankruptcy and shakiness of the business as banks succumb to moral danger, data lopsidedness and seek after less secure techniques to activate more stores. World Bank (2014) demonstrated that with Gross domestic product of USD 38.62 billion and populace of 26.79 million, Ghana could flaunt 29 all inclusive banks while Nigeria had Gross domestic product of USD 568.5 billion, populace of 177.5 million and 22 general banks. Beck (2008) and Claessens (2009) thought the need of limiting rivalry in the financial framework to support strength since unnecessary contest could bring about weakness to fundamental gamble (Allen and Storm, 2004; Carletti and Hartmann, 2003).
The energy emergency that plagues Ghana unfavorably influences monetary development finishing in expanding functional expenses, declining business pay and productivity (Adom, 2011; Anane, 2015; Andersen and Dalgaard, 2012; CEPA, 2007). The 2012-2016 energy emergency added to decrease in genuine Gross domestic product development rate from 8.8% in 2012, 7.3% in 2013, 4% in 2014 to 3.9% in 2015. Banking industry working resources dropped to 19% in 2015 from 38% in 2014 (Anane, 2015, PwC, 2016). Increasing normal expansion rates from 9.1% in 2012, 11.5% in 2013, 15.5% in 2014 to 17.1% in 2015 combined with deterioration of the cedi and irregular characteristics in other macroeconomic factors block advancement of the financial area. Athanasoglou, Brissimis and Stores (2005), Kosmidou, Pariouras and Tannz (2005), Kutsienyo (2011) and Sibindi and Bimba (2014) reported exact proof of Gross domestic product development influencing decidedly on the financial area and rising expansion antagonistically influencing banking area development. IMF (2011) announced the chance of unfortunate resource nature of Ghanaian banks should the mama
