The Ghanaian government intends to reward liabilities to the Mass Conveyance Organizations which thus 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 advance the resource nature of the area (Marsh, 2016).

The disclosure of oil in business amounts presents immense functional and venture open doors for Ghanaian banks (Mawutor, 2014; GBS, 2011).

Dangers
Exorbitant rivalry from liberation and widespread financial practices can induce indebtedness and shakiness of the business as banks succumb to moral danger, data lopsidedness and seek after less secure systems to activate more stores. World Bank (2014) showed 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 widespread banks. Beck (2008) and Claessens (2009) believed the need of controlling rivalry in the financial framework to support security since unnecessary rivalry could bring about weakness to foundational risk (Allen and Storm, 2004; Carletti and Hartmann, 2003).

The energy emergency that plagues Ghana unfavorably influences financial development finishing in expanding functional expenses, declining business pay and benefit (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 devaluation of the cedi and irregular characteristics in other macroeconomic factors hinder advancement of the financial area. Athanasoglou, Brissimis and Shops (2005), Kosmidou, Pariouras and Tannz (2005), Kutsienyo (2011) and Sibindi and Bimba (2014) reported observational proof of Gross domestic product development influencing decidedly on the financial area and rising expansion antagonistically influencing banking area development. IMF (2011) revealed the chance of unfortunate resource nature of Ghanaian banks ought to the macroeconomic imbalanced wait on.