Commercial banks in Ghana saw their stock of non-performing loans fall to GH¢19.9 billion at the end of June 2026. This figure represents a decline from the GH¢20.7 billion in bad debt recorded by the banking sector in June 2025.
New data released by the Bank of Ghana shows that the industry non-performing loan ratio improved alongside the reduction in bad debt stock. The ratio dropped to 16.1% in June 2026, down from 23.1% recorded in June 2025.
When adjusted for loans in the fully provisioned loss category, the non-performing loan ratio saw a similar drop. That adjusted figure fell from 8.5% in
According to Joy Online.
