According to a report by the Bank of Ghana's domestic money bank, this is lower than the April 2022 GH -863.4 million and GH 1.087 billion.
The default provisions were classified as losses such as loans, depreciation, and more.
The report noted that industry exposure to credit risk improved between April 2024 and April 2025, but increased in April 2025, as indicated by a decrease in the unperformance loan ratio (NPL) during the review period.
Similarly, the quality of real estate in the banking industry has improved over the reporting period. In April 2025, the NPL ratio fell from 25.7% in April 2024 to 23.6%.
Adapting to the fully provided loan loss category, it fell from 11.1% in April 2025 to 9.0% in April 2025.
The acceptance of the NPL ratio was due to a higher total loan growth rate compared to NPL stock growth.
In April 2025, the industry's S-NPL share increased by 8.7% to GH -21.7 billion, compared to GH 20 billion in April 2024.
The breakdown of NPL shares showed that the private sector corresponds to a larger proportion of loans needed. This corresponds to a larger proportion of industry loans. The percentage of NPLs by the private sector from 91.0% in April 2025 in April 2025 would be up to 93.4%, while the percentage of public sector in April 2025 would be from 9.0% in a similar period in 2024.