2025 Credit Reporting Activity Annual Report

The Credit Reporting System (CRS) in Ghana continued to demonstrate its pivotal role in supporting sound credit decision-making across the financial sector in the year under review. The system recorded significant improvements in data coverage, compliance levels, and the breadth of credit information available to lenders and other authorized users. Also, the CRS moved beyond a predominantly bank-centric model toward a more integrated data ecosystem. This development will strengthen financial transparency, enhance credit risk assessment, and promote financial inclusion by incorporating both traditional and alternative data sources into credit decision-making.