What do you think is driving this decline? And what do you think that, I mean, banks can do in order to ensure that this doesn't happen and there's growth? in the sector?

Well, I think if you look at a country like Ghana, the monetary policy rate stance of the central bank determines the profitability of banks because in Ghana, banks lend heavily to either the central bank or the or the central government or the central bank.

And so this year it was expected, anybody who knows the Ghanaian banking system, it was expected that profits will decline this year.

Why? Because government and the central bank has not really been heavy on liquidity, I mean, mopping up of liquidity.

In 2025, it was a big thing where close to about $6 billion was mopped out from the Ghanaian economy, obviously because the central bank, the Bank of Ghana, felt there was too much liquidity in the system, driving inflation to single digits.

It got to a point where Ghana's inflation was around 3.6%, 3.5%, currently still below 8%.

And so once a country goes on that trajectory of driving inflation from 27% to 3.6%, you will need the banks.

Is there a new change? And And really, what does this mean for the management of future elections? Are the citizens welcoming this development or just kind of like the pulse at which the citizens are feeling the change?