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APRs for Banks’ Loans to Households, SMSs and Corporates – September 2021

APRs for Banks’ Loans to Households, SMSs and Corporates – September 2021

In this report the Bank of Ghana presents Indicative APRs for banks. The APR reflects the true cost of a loan that economic agents are confronted with when they go through an approval process to secure a loan facility. The APR takes into account the Ghana Reference Rate (GRR), bank specific risk-premia and other bank-specific charges.A typical customer of a bank may be faced with an actual APR different from these Indicative APRs, depending on the bank’s assessment of the borrower’s specific circumstance.

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