The Greater Accra Region accounted for the largest share of Ghana’s total secured credit as of June 30, 2026, recording GH¢24.5 billion, equivalent to 77.8% of the total, according to the Bank of Ghana’s Half-Year 2026 Collateral Registry Report.
The figures highlight Greater Accra’s dominant position in Ghana’s credit and lending market, with the region recording a significantly higher volume of secured financing compared with other regions.
Ashanti Region Records GH¢3.4 Billion
The Ashanti Region ranked second, accounting for 10.8% of total secured credit. The region recorded approximately GH¢3.4 billion in secured lending during the second quarter of 2026.
Other regions also contributed to Ghana’s secured credit market, although their shares were considerably smaller. The Western Region accounted for 3.6%, while the Eastern and Central Regions recorded 1.0% and 0.9%, respectively.
Foreign-Based Lenders Provide GH¢1.1 Billion
The Bank of Ghana report further revealed that lenders based outside Ghana accounted for 3.4% of total registered secured credit, equivalent to approximately GH¢1.1 billion.
The loans were provided to borrowers domiciled in Ghana and secured with assets located within the country.
Eight Regions Record More Than 2,000 Registrations
The Collateral Registry also reported that eight regions recorded more than 2,000 registrations during the period under review.
The data provides insight into the distribution of secured loans and credit facilities in Ghana, while highlighting the role of collateral registration in supporting lending activities and strengthening the country’s financial sector.
The latest figures from the Bank of Ghana come amid continued efforts to improve access to credit, financial inclusion and transparency in Ghana’s banking and lending sector.
Source: newsthemegh.com