加纳银行业不良贷款率降至19.5%

Core Insights - The non-performing loan (NPL) ratio in Ghana's banking sector has decreased from 22.7% in October 2024 to 19.5% in October 2025, a reduction of 3.2 percentage points over twelve months, attributed to a rebound in credit and a contraction in total NPLs [1][1][1] - The Bank of Ghana aims to further reduce the NPL ratio to a maximum of 10% by December 2026, necessitating significant improvements in credit management and loan recovery capabilities among banks [1][1][1] - The central bank has lowered the monetary policy rate from 21.5% to 18%, a decrease of 350 basis points, to stimulate investment and economic activity [1][1][1] - As of October 2025, Ghana's international reserves reached $11.4 billion, equivalent to 4.8 months of import cover, providing a foundation for exchange rate stability and macroeconomic support [1][1][1] - The decline in the NPL ratio indicates enhanced asset quality and risk management capabilities within the banking sector, suggesting a gradual recovery from the impacts of debt restructuring [1][1][1]