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[BUSINESS] · India, Ghana · 8 sources

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Part of situation: Ghanaian secured lending market expansion (2 clusters)

India and Ghana report significant growth in credit and banking sector stability

retail credit growth banking sector solvency consumer durable loans gold loans monetary policy

India’s retail credit portfolio grew 19.2% year-on-year to ₹178.6 lakh crore as of June 2026. According to a report by CRIF High Mark, the expansion was driven largely by consumer durable, gold, and auto loans. Consumer durable loans saw the fastest growth at 36.6% year-on-year, while gold loans increased their portfolio share to 12.1%. Additionally, personal loan originations rose 34% year-on-year to ₹3 lakh crore.

In Ghana, the Bank of Ghana (BoG) reported that the banking sector remains solvent, profitable, and liquid. The Governor stated that total sector assets increased by 20.5% year-on-year to GH¢500.2 billion in August 2026. The Capital Adequacy Ratio improved to 19.1%, and the Non-Performing Loan (NPL) ratio declined to 15.7% from 20.8% the previous year. The Monetary Policy Committee maintained the policy rate at 14% while noting that headline inflation sat at 5% in August.

Entities

Bank of Ghana · CRIF High Mark · Dr. Asiama

Sources

Bank lending rises by Rs 63 billion in a month [peoplesreview.com.np]
Euro Zone Business Lending Slows as Credit Growth Loses Momentum – [your]NEWS [yournews.com]
Personal loans likely to displace gold loans as fastest growing segment: Report [bhaskarlive.in]
CRIF High Mark shows India’s retail credit grows over 19% in Q1: What’s driving growth | BIIA. com [www.biia.com]
Banks Are Rejecting More Loan Applications. Where Do European SMEs Go Next? [newsvoice.se]
Credit Cards Lose Market Share to Digital Payments: Jefferies [kalingatv.com]
Personal loans likely to displace gold loans as fastest growing segment: Report [www.socialnews.xyz]
The banking sector remains solvent, profitable and liquid - BoG Governor [3news.com]