The number of security interests registered in Ghana rose to 484,059 in 2025 from 382,215 in 2024, representing a 26.7% year-on-year increase, according to the Bank of Ghana's 2025 Annual Report and Financial Statements.

The report said the commerce and finance sector accounted for 88.9% of all secured lending during the year, followed by the agriculture, forestry and fishing sector with 4%, while the services sector accounted for 3%.

The total value of secured loans granted in 2025 increased to GH¢148.3 billion from GH¢60.9 billion in 2024. Banks accounted for GH¢94.5 billion of the total secured loans issued during the year.

The number of searches conducted through the Collateral Registry also increased to 72,901 in 2025, compared with 65,267 in 2024, representing an 11.7% rise.

Registered collateral assets grew by 21.7% to 584,000 in 2025 from 479,707 the previous year.

According to the report, cash remained the most commonly accepted form of collateral, followed by inventories or stock of goods, and company and business assets.

The Bank of Ghana also reported that the Collateral Registry issued 200 Memoranda of No Objection certificates in 2025 to facilitate the realisation of security interests in collateral, down from 301 certificates in 2024, representing a 33.6% decline.

The report further stated that 105,029 registrations were discharged during the year. Savings and Loans Companies recorded the highest volumes of registrations, searches and discharges in 2025.