Ghana: Non-performing loans

* indicates monthly or quarterly data series
 Ghana

Non-performing loans as percent of all bank loans

 Latest value 14.79
 Year 2022
 Measure percent
 Data availability 2008 - 2022
 Average 14.86
 Min - Max 7.68 - 21.59
 Source The World Bank
For that indicator, we provide data for Ghana from 2008 to 2022. The average value for Ghana during that period was 14.86 percent with a minimum of 7.68 percent in 2008 and a maximum of 21.59 percent in 2017. The latest value from 2022 is 14.79 percent. For comparison, the world average in 2022 based on 76 countries is 5.50 percent. See the global rankings for that indicator or use the country comparator to compare trends over time.
Select indicator
* indicates monthly or quarterly data series


Recent values chart
Ghana - Non-performing loans - Recent values chart

Historical chart
Ghana - Non-performing loans - historical chart - 2008-2022




The percent non-performing loans in Ghana reflects the health of the banking system. A higher percent of such loans shows that banks have difficulty collecting interest and principal on their credits. That may lead to less profits for the banks in Ghana and, possibly, bank closures.
Definition: Bank nonperforming loans to total gross loans are the value of nonperforming loans divided by the total value of the loan portfolio (including nonperforming loans before the deduction of specific loan-loss provisions). The loan amount recorded as nonperforming should be the gross value of the loan as recorded on the balance sheet, not just the amount that is overdue.

Related articles

Banking crises

Types of financial institutions



 Related indicators Latest value Reference Measure
 Bank cost to income ratio 45.45 2021 percent
 Non-performing loans 14.79 2022 percent
 Bank overhead cost 4.77 2021 percent
 Net interest margin 9.35 2021 percent
 Bank credit to deposits 42.88 2021 percent
 Regulatory capital to risk-weighted assets 19.83 2020 percent
 Return on assets 4.90 2021 percent
 Return on equity 32.20 2021 percent
 Banking system z-scores 13.92 2021 index points
 Liquid assets to deposits 42.70 2021 percent
 Banking system capital to assets 14.23 2020 percent
 Non-interest income to total income 31.29 2021 percent
 Legal rights 6.00 2019 points
 Credit information sharing 6.00 2019 points
This site uses cookies.
Learn more here


OK