Bank nonperforming loans to total gross loans in Ghana
Ghana: Bank nonperforming loans to total gross loans was 18.9% in 2025. ▲ Rising
Bank nonperforming loans to total gross loans in Ghana, 2008–2025
Source: Financial Soundness Indicators, International Monetary Fund (IMF). Measured in %.
Analysis
Ghana recorded 18.9% for bank nonperforming loans to total gross loans in 2025.
Compared with earlier readings it is down 13.2% on the previous year and up 28.9% over ten years.
Over the whole period, bank nonperforming loans to total gross loans in Ghana peaked at 21.8% in 2024 and was at its lowest, 7.7%, in 2008.
That places Ghana 5th out of 151 countries with data for 2025, putting it in the top 10%.
The long-run direction has been consistently rising across the 18 years of available data.
Bank nonperforming loans to total gross loans in Ghana, year by year
| Year | % | Change |
|---|---|---|
| 2008 | 7.7% | — |
| 2009 | 16.2% | +111.0% |
| 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% | +6.1% |
| 2021 | 15.1% | +2.2% |
| 2022 | 14.8% | -2.1% |
| 2023 | 20.6% | +39.1% |
| 2024 | 21.8% | +5.9% |
| 2025 | 18.9% | -13.2% |
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 11.9% | 7.7% | 16.2% | 2 |
| 2010s | 15.4% | 11.3% | 21.6% | 10 |
| 2020s | 17.7% | 14.8% | 21.8% | 6 |
Countries ranked near Ghana
- 2 Equatorial Guinea 31.1% compare
- 3 Algeria 20.7% compare
- 4 Bangladesh 19.0% compare
- 6 Iraq 16.5% compare
- 7 Central African Republic 16.2% compare
- 8 Saint Kitts and Nevis 15.8% compare
More financial sector data for Ghana
- Net domestic credit (current LCU), per capita 7,823 current LCU per person (2024)
- Net domestic credit (current LCU), per unit of GDP 3.23 current LCU per US$ of GDP (2024)
- Net domestic credit (current LCU), annual growth rate 13.42 % change on previous year (2024)
- Gold reserves at 35 SDRs per ounce 9.84 million SDR (2023)
- Gold reserves at market value 431.95 million SDR (2023)
- Reserves excluding gold, foreign exchange 3.34 billion SDR (2024)
- Reserves excluding gold 3.43 billion SDR (2024)
- Total reserves (gold at market value) 3.43 billion SDR (2024)
- Total reserves (gold at national valuation) 5.36 billion SDR (2024)
- Total reserves (gold at national valuation) (SDR), per capita 155.67 SDR per person (2024)
Frequently asked questions
- What is bank nonperforming loans to total gross loans in Ghana?
- Bank nonperforming loans to total gross loans in Ghana was 18.9% in 2025, according to Financial Soundness Indicators, International Monetary Fund (IMF).
- What is the highest bank nonperforming loans to total gross loans recorded in Ghana?
- The highest recorded value was 21.8% in 2024.
- What is the lowest bank nonperforming loans to total gross loans recorded in Ghana?
- The lowest recorded value was 7.7% in 2008.
- How does Ghana rank for bank nonperforming loans to total gross loans?
- Ghana ranks 5th out of 151 countries with data for 2025.
- Is bank nonperforming loans to total gross loans rising or falling in Ghana?
- Over the last ten years it is up 28.9%. The long-run trend across the full record is rising.
- Where does this Ghana data come from?
- The figures come from Financial Soundness Indicators, International Monetary Fund (IMF), published as part of Bank nonperforming loans to total gross loans (%). Statizoid updates them automatically from the source API.
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About this data
The indicator measures the proportion of a deposit taker’s loan portfolio that is impaired or at risk of default. It is calculated as the ratio of non-performing loans (NPLs) to total gross loans, where NPLs are defined as loans that are past due by 90 days or more or are otherwise considered unlikely to be repaid in full without the realization of collateral. Both non-performing loans and total gross loans should be reported at their gross book value, without deducting for loan-loss provisions or collateral. This indicator provides a key measure of asset quality and potential credit risk in the banking system.