2025年前十月加纳银行业信贷规模显著收缩 私营部门仍为资金主要流向

Core Insights - The banking sector in Ghana is experiencing a significant contraction in credit, with net credit growth for the first ten months of 2025 at 86.26 billion cedis, a sharp decline of 58.8% compared to 209.52 billion cedis in the same period of 2024 [1] Group 1: Public Sector Credit - Public sector credit has shown a notable decrease, with a reduction of 34.45 billion cedis by October 2025, contrasting with an increase of 15.16 billion cedis in the same period last year [2] Group 2: Private Sector Credit - The private sector remains the primary recipient of bank credit, with an increase of 120.72 billion cedis in the first ten months of 2025, representing a year-on-year growth of 13.9%, although this is a slowdown from 194.35 billion cedis (28.8% growth) in the previous year [2] - The share of private sector credit in total credit rose from 91.9% in October 2024 to 95.9% in October 2025, with a total private sector credit balance of 989.18 billion cedis, up from 868.46 billion cedis year-on-year [2] Group 3: Structural Changes in Credit Distribution - The distribution of credit across different sectors shows significant disparities, with the services sector attracting 77.7% of new credit in 2025, a substantial increase from 24.5% in the previous year [3] - The manufacturing sector's share of credit increased to 18.8%, up from 10.6% year-on-year [4] - The mining and quarrying sector saw a notable rise in credit share from 2.5% in 2024 to 11.9% in 2025, indicating a shift in risk appetite and asset allocation strategies within the banking sector [5]