The Bank of Ghana released its half‑year 2026 Collateral Registry on 30 June, revealing that the Greater Accra Region accounted for GH¢24.5 billion in secured credit, representing 77.8 % of the total. This figure eclipses the next highest region, Ashanti, which recorded GH¢3.4 billion or 10.8 % of the market.
Other regions contributed modest shares: Western, Eastern and Central recorded 3.6 %, 1.0 % and 0.9 % respectively. A further 3.4 % of secured credit—GH¢1.1 billion—was advanced by lenders based outside Ghana to domestic borrowers, secured with assets in the country.
The registry also highlighted registration volumes. Eight regions logged over 2,000 security interest registrations, with Ashanti leading at 27,627 (30.0 % of total registrations). Greater Accra followed with 21,736 registrations (23.6 %). Central, Eastern and Western regions recorded 10,565 (11.5 %), 8,170 (8.9 %) and 7,869 (8.5 %) respectively. Only four regions fell below 500 registrations, the lowest being Oti Region with 153.
In total, 117,428 assets were registered as collateral in the second quarter of 2026, a 25.8 % year‑on‑year decline from 158,298 in the same period of 2025 and a slight 1.7 % drop from 119,435 in the first quarter of 2026. Movable assets dominated the registry, making up 79.1 % (92,878 assets). Immovable assets accounted for only 2.6 %.
Cash collateral remained the most frequent category, with 80,673 registrations—68.7 % of all collateral pledged. Inventory or stock of goods followed with 10,015 registrations (8.5 %), company or business assets with 9,247 (7.9 %), and consumer or household goods with 4,619 (3.9 %).
These figures underscore Greater Accra’s pivotal role in Ghana’s secured credit market and suggest a concentration of financial activity in the capital region. Analysts will be watching whether the decline in overall collateral registrations signals a broader economic slowdown or a shift in lending practices.
