{
  "id": 6556749,
  "title": "Banking sector NPLs fall to GH¢19.9bn as asset quality improves",
  "url": "https://urgent.news/2026/09/10/banking-sector-npls-fall-to-gh-19-9bn-as-asset-quality-improves-6556749",
  "topic": "business",
  "section": "Business",
  "published": "2026-09-10T07:35:50.000Z",
  "source": {
    "name": "Joy Business",
    "slug": "joy-business",
    "url": "https://www.myjoyonline.com/banking-sector-npls-fall-to-gh%c2%a219-9bn-as-asset-quality-improves/"
  },
  "original_language": "en",
  "account": null,
  "summary": "The Ghanaian banking sector's non-performing loans (NPLs) fell to GH¢19.9 billion by the end of June 2026, down from GH¢20.7 billion a year earlier, according to the Bank of Ghana. This decline resulted in a significant improvement in the NPL ratio, which decreased to 16.1% in June 2026 from 23.1% in June 2025. The NPL ratio, adjusted for the fully provisioned loan loss category, also fell to 4.6% from 8.5% over the same period. The majority of non-performing loans continue to be held by the private sector, which accounted for 98% of total NPLs in June 2026, an increase from 96.4% in the previous year. The public sector's contribution to NPLs fell from 3.6% to 2%. Despite this improvement, the agricultural sector experienced a deterioration in asset quality, with the NPL ratio rising to 65.1% in June 2026 from 59.1% in June 2025. However, improvements in other sectors more than offset this deterioration, resulting in an overall strengthening of the banking industry's asset quality.",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 2,
    "also_reported_by": [
      {
        "outlet": "MyJoyOnline Ghana",
        "title": "Banking sector NPLs fall to GH¢19.9bn as asset quality improves",
        "url": "https://urgent.news/2026/09/10/banking-sector-npls-fall-to-gh-19-9bn-as-asset-quality-improves",
        "published": "2026-09-10T07:35:50.000Z"
      }
    ]
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}