Ghana's Banks Make Progress in Cleaning Up Bad Loans: NPL Ratio Drops to 18.9% in 2025

Ghana's banking sector has made notable progress in addressing its non-performing loan (NPL) issue, with the NPL ratio improving to 18.9% in December 2025 from 21.8% in 2024, according to data from the Bank of Ghana.

The easing of the policy rate is expected to support credit conditions and strengthen financial intermediation, going forward," says Dr. Johnson Asiama, Governor of the Bank of Ghana.

While the ratio remains elevated, ongoing policy measures aimed at resolving legacy loans, enforcing strict credit underwriting standards, and addressing wilful defaults are expected to further improve asset quality.

The banking sector's strong performance in 2025, with total assets increasing driven by growth in domestic deposits and investments, provides a solid foundation for continued progress in managing NPLs.

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