Ghana witnessed a significant rise in the number of security interests registered in 2025, reaching 484,059, an increase of 26.7% from the 382,215 registrations recorded in 2024.
This development was highlighted in the Bank of Ghana’s 2025 Annual Report and Financial Statements.
According to the report, the commerce and finance sector dominated secured lending, accounting for 88.9% of all transactions in 2025. The agriculture, forestry, and fishing sector followed with 4%, while the services sector contributed 3%. The total value of secured loans granted during the year surged to GH¢148.3 billion, up from GH¢60.9 billion in 2024. Banks were responsible for GH¢94.5 billion worth of these loans.
Activity at the Collateral Registry also intensified, with the number of searches conducted rising by 11.7% to 72,901 in 2025, compared to 65,267 the year before. Registered collateral assets grew by 21.7%, reaching 584,000 in 2025, up from 479,707 in 2024.
The report noted that cash remained the most commonly accepted form of collateral, followed by inventories or stock of goods, and company and business assets. The Collateral Registry issued 200 Memoranda of No Objection certificates in 2025 to support the realisation of security interests in collateral, marking a 33.6% drop from the 301 certificates issued in 2024.
A total of 105,029 registrations were discharged during the year, with Savings and Loans Companies recording the highest volumes of registrations, searches, and discharges.
The data reflects growing confidence in Ghana’s secured lending environment, as well as increased activity across key economic sectors.
Source: Apexnewsgh.com