What this page covers

12 returns. The Bank of Ghana does not publish one consolidated list of every periodic return it collects, unlike some other regulators in this library. This page is anchored on the Bank's own list of regulatory directives (the sitemap behind its Regulations & Directives page, https://www.bog.gov.gh/regulations-directives/, which that page itself shows only a handful of the most recent items of), its Financial Disclosure Requirements page, its Notices page, and the Bank's own Supervision & Regulation and Payment Systems pages, which were read in full and followed to the individual directive pages and their PDF or Excel attachments (never guessed). Each directive's own reporting-requirements clauses, read in full, were used to find the genuine periodic return it sets, rather than counting one return per directive. By population: 7 returns apply to banks and, in most cases, equally to savings and loans companies, finance houses and other Specialised Deposit-Taking Institutions (SDIs) that the Bank's directives group together as 'Regulated Financial Institutions' (RFIs) under the Banks and Specialised Deposit-Taking Institutions Act, 2016 (Act 930): the Capital Management Plan (banks only), the Large Exposures return, the Risk Management Declaration, the Report on Board Evaluation, Published financial statements, Climate-related financial risk information, and the Dormant Accounts return; 1 return (the Quarterly Report on Complaints) applies to financial institutions generally; 1 return (the Cyber and Information Security Incident Report) applies to every institution the Bank of Ghana licenses or regulates, including banks, SDIs, development finance institutions, non-bank financial institutions, payment service providers, forex bureaux, credit bureaus and virtual asset service providers; 1 return (the AML/CFT compliance report) applies to accountable institutions licensed by the Bank; 1 return (the monthly Forex Bureau return) applies to licensed forex bureaux; and 1 return (the SIPS/SIPSP/CISP self-assessment) applies to payment systems and payment service providers the Bank designates as systemically important, under a framework published 6 November 2026 with no designations yet found on the Bank's pages, so it is recorded as upcoming. Order: banks first (several returns cover banks alone or banks and SDIs together under the same RFI-wide directive), then other SDIs, then payment service providers and forex bureaux. Left out, after checking the Bank's own pages: statistical and monetary-policy data collections run by the Bank's Research and Statistics departments (a different function from prudential supervision); licensing, registration and one-off notification forms (fit and proper person notifications, merger and acquisition notifications, licence renewal questionnaires, the Enhanced Due Diligence form) which are not periodic returns; exposure drafts and consultation guidelines not yet in force (the ICAAP guideline, the stress-testing, liquidity risk management, liquidity monitoring tools and recovery planning directives, all marked 'Exposure Draft' on the Bank's Regulations & Directives page on 13 November 2026); returns specific to microfinance institutions, rural and community banks, credit reference bureaus, remittance companies, development finance institutions, leasing companies, mortgage finance companies and digital credit providers, which the Bank's All Institutions page lists as separate supervised populations but for which no directive setting out a periodic return was found on the pages read; the actual Capital Adequacy Ratio (CAR) return and liquidity returns the Capital Requirements Directive refers to throughout but does not itself publish a form for; any return that would require requesting the ORASS portal, the PSA Returns (PSDC) portal or any other login or submission system, which this page does not do; and the Bank's own corporate reporting (its annual report and financial statements), which is the Bank of Ghana's own accounts, not a return it collects from firms. Source

How firms file

PSA Returns
An online system the Bank's Supervision & Regulation Downloads page links as 'PSA Returns', for payment service providers' returns. The Bank's pages say nothing more about it, and it is not linked here. Source

The returns (12)

Plain name first, the BoG's code in brackets. Each return has its own page: what it is for, who files it, the deadline, the templates, the validation rules, the documents and the sources.

Return	Group	How often	Format	Status
Capital Management Plan (CMP)	Group: Capital	How often: Yearly	Format: Other	In force
Large exposures return	Group: Credit risk	How often: Monthly	Format: Other	In force
Risk management declaration	Group: Governance	How often: Yearly	Format: Other	In force
Report on Board evaluation	Group: Governance	How often: Yearly	Format: Other	In force
Published financial statements	Group: Financial statements	How often: Quarterly	Format: PDF, Other	In force
Climate-related financial risk information	Group: Risk management	How often: Every six months	Format: Other	In force
Dormant accounts return	Group: Conduct	How often: Monthly	Format: Other	In force
Quarterly report on consumer complaints (Quarterly Report on Complaints)	Group: Conduct	How often: Quarterly	Format: Excel	In force
AML/CFT compliance programme report	Group: AML/CFT	How often: Yearly	Format: Other	In force
Cyber and information security incident report	Group: Operational risk and cyber security	How often: Monthly	Format: Other	In force
Forex bureau monthly return	Group: Forex bureaux	How often: Monthly	Format: Other	In force
Designated payment system self-assessment (SIPS/SIPSP/CISP Self-Assessment)	Group: Payment systems	How often: Yearly	Format: Other	Upcoming

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Reuse terms for the BoG's documents

Bank of Ghana: Legal notice and Disclaimer (no reuse terms stated), checked 13 November 2026. In the BoG's words:

In no event will the Bank of Ghana be liable for any loss or damage [...] arising out of, or in connection with, the use of this website [...] © 2026 Bank of Ghana. All rights reserved. [Legal notice and site footer. The Disclaimer page (https://www.bog.gov.gh/disclaimer/) also covers liability only. Neither page says anything about copying or reusing the site's content.]

Can others share copies?: Unclear.
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What could not be verified

Said plainly, so nobody relies on a fact the sources do not give.

The Bank of Ghana does not publish one consolidated list of every periodic return it collects; this page is anchored on the Bank's own Regulations & Directives sitemap, its Financial Disclosure Requirements, Notices, Supervision & Regulation and Payment Systems pages, and the individual directives those pages link, read in full.
The Capital Requirements Directive sets out in detail how a bank must calculate regulatory capital, credit, market and operational risk weighted assets, but does not itself publish the Capital Adequacy Ratio (CAR) return form or state its filing frequency; only the related Capital Management Plan (an annual rolling plan) has a stated frequency, so no separate CAR return is recorded on this page.
The Cyber and Information Security Directive contradicts itself on the frequency of the main cyber incident report to BoG: Part VIII (paragraph 50) says RFIs report monthly, by the 15th of each month, while a later Part on AI/ML governance (paragraph 115) refers to 'its quarterly cyber and information security report to the Bank of Ghana'. This page records the monthly requirement, which carries a specific deadline; the quarterly reference may be a drafting error in the 2026 revision, or may describe a different, undocumented report.
The Guide for Financial Publication first says audited and unaudited financial statements must appear in two or more national daily newspapers in Ghana and on 'the website of the Bank', then a few sentences later says all publications go in those newspapers and on 'the website of the institutions'. The pages read do not show whether the Bank of Ghana itself hosts these statements or whether this is a drafting inconsistency; no page on bog.gov.gh hosting individual institutions' published financial statements was found.
The Bank's Banking Sector Reports page (banking_sect_report) and Regulations & Directives page's exposure drafts (ICAAP, Stress Testing, Liquidity Risk Management, Liquidity Monitoring Tools, Recovery Planning) show the Bank is in the process of replacing or adding to several of the directives on this page; none of the returns on this page are marked 'being replaced' because no final replacement had been published by 13 November 2026.
The Bank's Banking Sector Reports page (https://www.bog.gov.gh/banking_sect_report/), which used to publish aggregate sector figures, has not posted a new report since July 2021, so no aggregate public dataset could be linked to the capital, liquidity or large exposures returns on this page.
The Payment Systems Downloads page's statistical reports (Payment Systems Statistics, Comparative Statistics for Clearing House) are all dated 2019 or earlier and do not name which return, if any, they are drawn from, so no published-data entry was recorded from them.
The AML/CFT Guideline requires several annual and semi-annual reports to BOG and the Financial Intelligence Centre in addition to the compliance-programme adequacy report recorded here (an annual employee training programme, an annual contingency plan for new money-laundering risks, and a semi-annual review of the AML/CFT Reporting Officer's own account), all due on or close to 31 December or end of June/December; these related reports are not recorded as separate returns on this page.
Suspicious Transaction Reports and cash transaction reports under the AML/CFT Guideline are filed with the Financial Intelligence Centre, a separate authority from the Bank of Ghana, so they are out of scope of this page.
Several supervised populations the Bank's All Institutions page lists (deposit-taking microfinance institutions, rural and community banks, financial NGOs, microcredit institutions, remittance companies, credit bureaus, development finance institutions, leasing companies, mortgage finance companies and digital lending applications) have their own licensed-institution registers, but no directive setting out a periodic return specific to them was found on the pages read; they are covered only by the cross-cutting returns on this page (the cyber incident report and, where the relevant Act applies, the AML/CFT compliance report).
The Bank's pages link two online systems: the ORASS Registration Portal, linked for licence applications, and 'PSA Returns', for payment service providers' returns. Neither was requested. The pages do not say which returns, if any, are filed through either, so no return names a filing system.
The SIPS/SIPSP/CISP Framework was published 5-6 November 2026, a week before this page was checked; no designated institutions were found named on the Bank's pages, so the self-assessment return is recorded as upcoming.

Sources

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. See every regulator in the regulatory returns library.

Line4's own text, and the way Line4 has collected and arranged these records, are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The facts themselves belong to no one. The regulators' document titles, template names, quoted terms and documents belong to them and are not covered by this licence: see BoG's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text. Not affiliated with or endorsed by any regulator.

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Last checked 13 November 2026.

Bank of Ghana (BoG): regulatory returns