Greater Accra region accounts for 77% of total secured credit in half-year 2026 – BoG

By 30th June 2026, secured credit in the Greater Accra Region had skyrocketed to 77.8% of the total amount, according to the Bank of Ghana's Collateral Registry. The Ashanti Region came in second place with a 10.8% share, followed by the Western, Eastern, and Central Regions with 3.6%, 1.0%, and 0.9% respectively.

Remarkably, 3.4% of the total secured credit, worth GH¢1.1 billion, was provided by lenders based outside Ghana to borrowers domiciled within the country and secured with assets in Ghana. Eight regions alone logged more than 2000 registrations, with Ashanti Region leading the pack with 27,627 security interest registrations, accounting for 30.0% of all registrations.

In second place was the Greater Accra Region with 21,736 registrations, making up 23.6% of the total. Central, Eastern, and Western Regions followed with 10,565 (11.5%), 8,170 (8.9%), and 7,869 (8.5%) registrations respectively. Four regions logged fewer than 500 registrations, with Oti Region registering the lowest at 153.

A total of 117,428 assets were registered as collateral in the second quarter of 2026, marking a 25.8% decline year-on-year from 158,298 assets registered in the same period last year. Movable assets dominated the registration, accounting for 79.1% (92,878 assets) of all collateral, while immovable assets constituted 2.6%. Cash collateral was the most frequently registered category, with 80,673 registrations, accounting for 68.7% of all pledged collateral.