Ghana's bank NPLs fall to 19.9 billion cedis
Ghana's banking sector saw a decline in non-performing loans, dropping to 16.1% by mid-2026. While agricultural sector loan defaults increased, overall asset quality improved due to better credit management and debt collection.
Why it matters
The reduction in bad debt signals a stabilizing financial environment in Ghana, which is crucial for attracting investment and supporting economic growth.
--> 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 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%.
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