Nonperforming Loans Statistics in Ghana (2026)
As of 2023, bank nonperforming loans in Ghana was 20.6% of total gross loans, per World Bank World Development Indicators data. Up from 14.8% in 2022 to 20.6% in 2023 (+5.8 percentage points). Ghana ranks #27 of 29 economies in Sub-Saharan Africa on this measure, and #140 of 144 globally.
Key Statistics
- Latest value (2023)
- 20.6% (2023)
- Nonperforming Loans in Ghana as of 2023, the most recent observation in World Bank World Development Indicators data.
- Change since 2022
- +5.8 pp (2023)
- Up from 14.8% in 2022 to 20.6% in 2023 (+5.8 percentage points).
- Earliest value in this dataset (2008)
- 7.7% (2008)
- Earliest observation in this dataset, which covers 1990 onward (the source series may begin earlier). Up from 7.7% in 2008 to 20.6% in 2023.
- Peak value (2017)
- 21.6% (2017)
- Highest value in the available series; the 2023 value is 20.6%.
- Rank in Sub-Saharan Africa (lower is better; rank 1 = lowest)
- #27 of 29 (2023)
- Ghana ranks 27 of 29 countries in Sub-Saharan Africa with data, based on each country's latest value. Ranked ascending because lower values are better for this metric.
- Global rank (lower is better; rank 1 = lowest)
- #140 of 144 (2023)
- Ghana ranks 140 of 144 countries with data globally. Ranked ascending because lower values are better for this metric.
- Sub-Saharan Africa average
- 9.7% (2023)
- Ghana (20.6%) is above the average of 9.7% across the 29 countries in Sub-Saharan Africa with data.
- Domestic credit to private sector (% of GDP) (2024)
- 9% (2024)
- Related indicator from World Bank World Development Indicators.
- Internet use in Ghana (2024)
- 72.2% (2024)
- 72.2% of the population in Ghana used the internet in 2024 (World Bank); shown for context only.
- Population (2024)
- 34.4 million (2024)
- Ghana had a population of 34.4 million in 2024 (World Bank); shown for scale only.
Trend, 2008–2023
| Year | % of total gross loans | Change |
|---|---|---|
| 2023 | 20.6% | +5.8 pp |
| 2022 | 14.8% | −0.3 pp |
| 2021 | 15.1% | +0.3 pp |
| 2020 | 14.8% | +0.9 pp |
| 2019 | 13.9% | −4.2 pp |
| 2018 | 18.2% | −3.4 pp |
| 2017 | 21.6% | +4.3 pp |
| 2016 | 17.3% | +2.6 pp |
| 2015 | 14.7% | +3.4 pp |
| 2014 | 11.3% | −0.7 pp |
| 2013 | 12% | −1.2 pp |
| 2012 | 13.2% | −0.9 pp |
| 2011 | 14.1% | −3.9 pp |
| 2010 | 18.1% | +1.9 pp |
| 2009 | 16.2% | +8.5 pp |
| 2008 | 7.7% | — |
Frequently asked questions
What is the latest figure for bank nonperforming loans in Ghana?
Bank nonperforming loans in Ghana stood at 20.6% of total gross loans in 2023, according to World Bank World Development Indicators data.
How recent is the nonperforming loans data for Ghana?
The most recent observation is from 2023. World Bank World Development Indicators data is reported with a lag, so 2023 is the latest available year for Ghana.
Where does the nonperforming loans data for Ghana come from?
The data comes from the World Bank World Development Indicators (indicator FB.AST.NPER.ZS). The latest observation for Ghana is from 2023; the snapshot was retrieved on 2026-06-10.
How has nonperforming loans in Ghana changed over time?
World Bank World Development Indicators data show a rise from 7.7% in 2008 to 20.6% in 2023.
How does Ghana compare with other countries in Sub-Saharan Africa?
Ghana ranks 27 of 29 countries in Sub-Saharan Africa with data (ranked ascending; lower is better), with 20.6% versus a regional average of 9.7% (latest values per country).
Source & methodology
Source: World Bank, World Development Indicators, indicator
FB.AST.NPER.ZS, retrieved .
Figures are shown exactly as published in the source dataset; only the change column of the trend table is computed from adjacent published values.Read more on the methodology page. All figures are estimates and projections; this is not financial advice.
Last updated .