The Greater Accra Region has recorded the largest share of total secured credit in Ghana, accounting for 77.8% of the total, which amounts to GH¢24.5 billion, according to the Bank of Ghana's half-year 2026 Collateral Registry report. This significant proportion highlights the region's prominent position in secured credit transactions. The data also shows that the Ashanti Region follows with 10.8%, amounting to GH¢3.4 billion.
The Collateral Registry report further reveals that the Western, Eastern, and Central Regions accounted for 3.6%, 1.0%, and 0.9% of the total secured credit, respectively. Additionally, 3.4% of the total registered secured credit, equivalent to GH¢1.1 billion, was advanced by lenders domiciled outside Ghana to borrowers domiciled in the country and secured with assets in Ghana. This indicates a notable presence of foreign lenders in Ghana's secured credit market.
In terms of security interest registrations, eight regions recorded volumes above 2000 registrations. The Ashanti region recorded the most secured credit, with 27,627 registrations representing 30.0% of total registrations. The Greater Accra region followed with 21,736 registrations, representing 23.6%. The Central, Eastern, and Western regions also recorded significant numbers, with 10,565, 8,170, and 7,869 registrations, respectively.
On the other hand, four regions recorded volumes below 500, with the Oti Region recording the lowest number of registrations at 153. The distribution of registered collaterals also shows that a total of 117,428 assets were registered as collateral in the second quarter of 2026. This represents a 25.8% year-on-year decrease from 158,298 assets recorded in the second quarter of 2025.
The registrations with only movable assets continued to dominate, accounting for 79.1% (92,878 assets) of all collateral recorded. Registrations with only immovable assets constituted 2.6%. This suggests that movable assets remain the most popular choice for secured credit transactions in Ghana. The data also highlights a marginal decrease in registrations from 119,435 assets in the first quarter of 2026.
Cash collateral remained the most frequently registered category, with 80,673 registrations, representing 68.7% of all collateral pledged. This was followed by inventory/stock of goods, which recorded 10,015 registrations, equivalent to 8.5% of total collateral. Company/Business Assets and Consumer/Household goods also recorded significant numbers, with 9,247 and 4,619 registrations, respectively.
The Bank of Ghana's Collateral Registry report provides valuable insights into Ghana's secured credit market. The data highlights the dominance of the Greater Accra region and the popularity of movable assets in secured credit transactions. The report also underscores the presence of foreign lenders in the market and the varying levels of registration across different regions.
Key points
- The Greater Accra region accounts for 77.8% of total secured credit in Ghana, totaling GH¢24.5 billion as of June 30, 2026.
- Ashanti region recorded the most secured credit with 27,627 registrations, representing 30.0% of total registrations.
- Cash collateral remains the most frequently registered category, with 80,673 registrations, representing 68.7% of all collateral pledged.
