Ghana's banks' non-performing loans fall to 19.9 billion cedis
In Ghana, the volume of non-performing loans in the banking sector stood at 19.9 billion Ghanaian cedis at the end of June 2026, compared with 20.7 billion cedis a year earlier. The share of such loans fell from 23.1% in June 2025 to 16.1%.
As MyJoyOnline reports, citing data from the Bank of Ghana, the non-performing loan ratio adjusted for the fully provisioned loan-loss category declined from 8.5% to 4.6%.
Private-sector bad loans
Private-sector borrowers accounted for 98% of all non-performing loans in June 2026, compared with 96.4% a year earlier. The public sector's share, by contrast, decreased from 3.6% to 2%.
The central bank said asset quality improved in most industries. Agriculture, forestry and fishing were the exception: the share of non-performing loans in this sector rose from 59.1% to 65.1%. According to the Bank of Ghana, improvements in other sectors offset this deterioration.
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Credit growth
The gross volume of loans and advances rose by 39.4% year-on-year to 124.3 billion cedis at the end of June 2026. For comparison, annual growth stood at 5.5% in June 2025.
Lending to private businesses and households increased by 39.6% to 119.1 billion cedis. The volume of loans to the public sector rose by 5.6% to 4.7 billion cedis, after declining by 31.3% during the corresponding period of 2025. The private sector's share of total bank lending increased to 96.2%.
The largest share of lending went to services at 36.6%, trade and finance at 24.1%, and construction at 10.7%. Together, these three areas accounted for 71.4% of banking-sector lending. The Bank of Ghana attributed the improvement in loan portfolio indicators to more active debt collection and improved credit-risk management practices.
