By Kofi AHOVI Most universal banks in the country continued to ease their credit stance on loans or credit lines to enterprises as at end October 2010. The Bank of Ghana Credit Conditions survey recorded 48.12% in November, compared to 50.04% as of August 2010. Margin on average loans and the maximum size of the loans offered were the main contributing factors for the easing of credit stance for enterprises. Small and medium sized companies (SMEs) access to credit improved for the first time in 2010 due partly to reduction in margin on average loans. This development helped to improve overall credit conditions in the last quarter of this year. The access of large enterprises and households to consumer credit also continued to improve. Expectations regarding general economic activity, competition among commercial banks and reductions in margins on average loans contributed to the net easing of credit. However the credit stance on mortgage finance continued to tighten during the period. ...