Greater Accra Dominates Secured Credit in Ghana's Half-Year 2026 Report
Greater Accra region accounted for 77.8% of total secured credit in Ghana's half-year 2026, totaling GH¢24.5 billion.
In Brief
- •Greater Accra region accounted for 77.8% of total secured credit in Ghana's half-year 2026, totaling GH¢24.5 billion.
- •Ashanti region followed with a 10.8% share, amounting to GH¢3.4 billion.
- •A total of 117,428 assets were registered as collateral, representing a 25.8% year-on-year decrease.
- •Cash collateral remained the most frequently registered category, with 80,673 registrations.
- •Foreign banks accounted for GH¢19.9 billion of secured credit in the second quarter of 2026.
Why It Matters
The report highlights the concentration of secured credit in Greater Accra, which could indicate a significant portion of Ghana's economic activity. The decrease in collateral registrations suggests a potential slowdown in lending activities, which could impact economic growth. The involvement of foreign banks in secured credit indicates international interest in Ghana's financial sector, potentially bringing both opportunities and risks.
Key Details
- Total Secured Credit
- GH¢31.5 billion
- Greater Accra Share
- 77.8%
- Ashanti Share
- 10.8%
- Total Collateral Registrations
- 117,428
- Year-on-Year Decrease in Collateral
- 25.8%
- Foreign Banks Secured Credit
- GH¢19.9 billion
Context & Background
The Bank of Ghana's Collateral Registry provides insights into the secured credit landscape in Ghana, which is crucial for understanding the country's financial health and economic activities.
Original Reporting & Sources
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