Bank non-performing loans to gross loans (%) in Ghana
Ghana: Bank non-performing loans to gross loans (%) was 14.8% in 2020. ▬ Flat
Bank non-performing loans to gross loans in Ghana, 1998–2020
Source: Financial Soundness Indicators Database (fsi.imf.org), International Monetary Fund (IMF). Measured in %.
Analysis
Ghana recorded 14.8% for bank non-performing loans to gross loans in 2020.
That represents a change of up 6.3% on the previous year and down 18.1% over ten years.
Over the whole period, bank non-performing loans to gross loans in Ghana peaked at 22.7% in 2002 and was at its lowest, 6.4%, in 2007.
That places Ghana 15th out of 141 countries with data for 2020, putting it in the top 10%.
Bank non-performing loans to gross loans (%) in Ghana, year by year
| Year | % | Change |
|---|---|---|
| 1998 | 17.2% | — |
| 1999 | 12.8% | -25.6% |
| 2000 | 11.9% | -7.0% |
| 2001 | 19.6% | +64.7% |
| 2002 | 22.7% | +15.8% |
| 2003 | 18.3% | -19.4% |
| 2004 | 16.3% | -10.9% |
| 2005 | 13.0% | -20.2% |
| 2006 | 7.9% | -39.2% |
| 2007 | 6.4% | -19.0% |
| 2008 | 7.7% | +20.3% |
| 2009 | 16.2% | +110.4% |
| 2010 | 18.1% | +11.6% |
| 2011 | 14.1% | -21.8% |
| 2012 | 13.2% | -6.7% |
| 2013 | 12.0% | -9.1% |
| 2014 | 11.3% | -6.1% |
| 2015 | 14.7% | +30.2% |
| 2016 | 17.3% | +17.9% |
| 2017 | 21.6% | +24.8% |
| 2018 | 18.2% | -15.8% |
| 2019 | 13.9% | -23.3% |
| 2020 | 14.8% | +6.3% |
Ghana compared with similar countries
- Ghana's 14.8% is above the median for lower middle income countries, which is 8.6%, 1.7× the median. (32 countries reporting)
- Ghana's 14.8% is above the median for Sub-Saharan Africa, which is 8.2%, 1.8× the median. (29 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 1990s | 15.0% | 12.8% | 17.2% | 2 |
| 2000s | 14.0% | 6.4% | 22.7% | 10 |
| 2010s | 15.4% | 11.3% | 21.6% | 10 |
| 2020s | 14.8% | 14.8% | 14.8% | 1 |
Countries ranked near Ghana
More financial sector data for Ghana
- Reserve position in the IMF, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve position in the IMF, US dollar, per unit of GDP 0.0011 units per US$ of GDP (2025)
- Reserve position in the IMF, US dollar, per capita 3.61 units per person (2025)
- Reserve position in the IMF, SDR, annual growth rate 0 % change on previous year (2025)
- Reserve position in the IMF, SDR, per unit of GDP 0.0008 units per US$ of GDP (2025)
- Reserve position in the IMF, SDR, per capita 2.64 units per person (2025)
- Reserve tranche position, US dollar, annual growth rate 5.01 % change on previous year (2025)
- Reserve tranche position, US dollar, per unit of GDP 0.0011 units per US$ of GDP (2025)
- Reserve tranche position, US dollar, per capita 3.61 units per person (2025)
- Reserve tranche position, SDR, annual growth rate 0 % change on previous year (2025)
Frequently asked questions
- What is bank non-performing loans to gross loans in Ghana?
- Bank non-performing loans to gross loans in Ghana was 14.8% in 2020, according to Financial Soundness Indicators Database (fsi.imf.org), International Monetary Fund (IMF).
- What is the highest bank non-performing loans to gross loans recorded in Ghana?
- The highest recorded value was 22.7% in 2002.
- What is the lowest bank non-performing loans to gross loans recorded in Ghana?
- The lowest recorded value was 6.4% in 2007.
- How does Ghana rank for bank non-performing loans to gross loans?
- Ghana ranks 15th out of 141 countries with data for 2020.
- Is bank non-performing loans to gross loans rising or falling in Ghana?
- Over the last ten years it is down 18.1%. The long-run trend across the full record is flat.
- Where does this Ghana data come from?
- The figures come from Financial Soundness Indicators Database (fsi.imf.org), International Monetary Fund (IMF), published as part of Bank non-performing loans to gross loans (%). Statizoid updates them automatically from the source API.
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About this data
Reported by IMF staff. Note that due to differences in national accounting, taxation, and supervisory regimes, these data are not strictly comparable across countries.