• Login
NORVANREPORTS.COM |  Business News, Insurance, Taxation, Oil & Gas, Maritime News, Ghana, Africa, World
  • Home
  • News
    • General
    • Political
  • Economy
  • Business
    • Agribusiness
    • Aviation
    • Banking & Finance
    • Energy
    • Insurance
    • Manufacturing
    • Markets
    • Maritime
    • Real Estate
    • Tourism
    • Transport
  • Technology
    • Telecom
    • Cyber-security
    • Cryptocurrency
    • Tech-guide
    • Social Media
  • Features
    • Interviews
    • Opinions
  • Reports
    • Banking/Finance
    • Insurance
    • Budgets
    • GDP
    • Inflation
    • Central Bank
    • Sec/Gse
  • Lifestyle
    • Sports
    • Entertainment
    • Travel
    • Environment
    • Weather
  • NRTV
    • Audio
    • Video
No Result
View All Result
No Result
View All Result
NORVANREPORTS.COM |  Business News, Insurance, Taxation, Oil & Gas, Maritime News, Ghana, Africa, World
No Result
View All Result
Home Business Banking & Finance

Banks Shift Towards Short-Term Bills as Loan Growth Accelerates

4 months ago
in Banking & Finance, Business, Economy, Features, highlights, Home, home-news, latest News
1 min read
0 0
0
76
VIEWS
Share on FacebookShare on TwitterShare on Linkedin

Banks Shift Towards Short-Term Bills as Loan Growth Accelerates

Ghana’s banking sector witnessed a notable shift in the structure of its investment portfolios in April 2025, with short-term bills overtaking longer-term securities to become the dominant asset class, according to the latest Monetary Policy Report from the Bank of Ghana.

The report reveals that short-term bills accounted for 50.3 percent of banks’ investment portfolios, up from 42.4 percent in April 2024, reflecting a preference for more liquid instruments amid evolving market dynamics. In contrast, the share of securities declined to 49.4 percent from 57.4 percent a year earlier. Equity investments remained negligible, holding steady at 0.3 percent.

The shift comes as Ghana’s banking sector registered robust credit growth. Gross loans and advances, encompassing both domestic and foreign currency lending, rose 17.4 percent year-on-year to GH¢91.5 billion at the end of April 2025, more than double the 7.7 percent growth recorded in the corresponding period of 2024.

Private sector credit was the principal driver, expanding by 20.8 percent to GH¢86.8 billion, as confidence and demand in key sectors of the economy strengthened. This compares to a 10.8 percent rise in private sector credit the previous year. Meanwhile, credit to the public sector continued its decline, contracting by 11.7 percent to GH¢5.4 billion, following an 18.7 percent contraction in April 2024. As a result, private sector credit now accounts for 94.2 percent of total credit, up from 92.2 percent, with the public sector’s share falling to 5.8 percent.

The distribution of credit across industries underscores the services sector’s dominant position, claiming 35.6 percent of total credit, followed by commerce and finance at 25.3 percent, and manufacturing at 10.9 percent. Collectively, these three sectors accounted for 71.8 percent of total credit at end-April 2025, up from 66.7 percent a year earlier. The mining and quarrying sector continued to receive the least credit allocation, with its share declining slightly to 2.7 percent.

Off-balance sheet transactions primarily in the form of trade finance, guarantees and contingent liabilities fell by 14.1 percent to GH¢21.0 billion as of April 2025, from GH¢24.4 billion a year earlier. Consequently, the ratio of contingent liabilities to total liabilities declined to 6.1 percent, down from 8.8 percent.

RelatedPosts

Africa’s Fastest-Growing Economy Sets new Rules for Foreign Stake in Local Banks

Nigeria’s Oil Production Could Reach 2 Million bpd by Next Year

BoG Halts GCB Bank Dividend Payment Over Regulatory Breach

The evolving portfolio composition, coupled with robust private sector lending, reflects cautious optimism in Ghana’s banking sector as institutions navigate a changing economic landscape shaped by monetary tightening and the ongoing implementation of IMF-backed reforms.

Tags: Banks Shift Towards Short-Term Bills as Loan Growth Accelerates

Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *

I agree to the Terms & Conditions and Privacy Policy.

No Result
View All Result

Highlights

How an Idle Land Tax Could Build 10,000 Homes in 5 Years

Thibaut Courtois Accuses La Liga of ‘Manipulation’ Amid Protests Over Miami Fixture

Historic Bid: U.S. Joins Forces with Mexico, Costa Rica, and Jamaica for 2031 Women’s World Cup

Bank of Ghana Sells GHS 7.0bn in 56-Day Bills at 21.46% Interest Rate

Deputy Finance Minister Hints 2026 Budget to Prioritise Fiscal Discipline and Job Creation 

FirstBank and Coronation Insurance Strengthen Partnership to Deliver Greater Value to Customers

Trending

Business

Africa’s Fastest-Growing Economy Sets new Rules for Foreign Stake in Local Banks

October 21, 2025

Africa’s Fastest-Growing Economy Sets new Rules for Foreign Stake in Local Banks Ethiopia has officially moved closer...

Nigeria’s Oil Production Could Reach 2 Million bpd by Next Year

October 21, 2025

BoG Halts GCB Bank Dividend Payment Over Regulatory Breach

October 21, 2025

How an Idle Land Tax Could Build 10,000 Homes in 5 Years

October 21, 2025

Thibaut Courtois Accuses La Liga of ‘Manipulation’ Amid Protests Over Miami Fixture

October 21, 2025

Who we are?

NORVANREPORTS.COM |  Business News, Insurance, Taxation, Oil & Gas, Maritime News, Ghana, Africa, World

NorvanReports is a unique data, business, and financial portal aimed at providing accurate, impartial reporting of business news on Ghana, Africa, and around the world from a truly independent reporting and analysis point of view.

© 2020 Norvanreports – credible news platform.
L: Hse #4 3rd Okle Link, Baatsonaa – Accra-Ghana T:+233-(0)26 451 1013 E: news@norvanreports.com info@norvanreports.com
All rights reserved we display professionalism at all stages of publications

No Result
View All Result
  • Home
  • Business
    • Agribusiness
    • Aviation
    • Energy
    • Insurance
    • Manufacturing
    • Real Estate
    • Maritime
    • Tourism
    • Transport
    • Banking & Finance
    • Trade
    • Markets
  • Economy
  • Reports
  • Technology
    • Cryptocurrency
    • Cyber-security
    • Social Media
    • Tech-guide
    • Telecom
  • Features
    • Interviews
    • Opinions
  • Lifestyle
    • Entertainment
    • Sports
    • Travel
    • Environment
    • Weather
  • NRTV
    • Audio
    • Video

Welcome Back!

Login to your account below

Forgotten Password?

Create New Account!

Fill the forms bellow to register

All fields are required. Log In

Retrieve your password

Please enter your username or email address to reset your password.

Log In
NORVANREPORTS.COM | Business News, Insurance, Taxation, Oil & Gas, Maritime News, Ghana, Africa, World
This website uses cookies. By continuing to use this website you are giving consent to cookies being used. Visit our Privacy and Cookie Policy.
We use cookies to ensure that we give you the best experience on our website. If you continue to use this site we will assume that you are happy with it.