Ghana Reference Rate: New 10.61% Benchmark Takes Effect August 5

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The Ghana Reference Rate (GRR) has increased marginally to 10.61% for August 2026, from 10.59% recorded in July, signalling continued stability in lending conditions across Ghana's banking sector.

The latest adjustment takes effect from August 5, 2026, following July's upward revision which brought an end to months of consecutive declines in the benchmark rate.

The Ghana Reference Rate serves as a key benchmark used by banks in determining lending rates and reflects developments in the country's financial market conditions.

Watch the full report for more on the latest movement in the GRR and what it means for borrowers, businesses and the banking sector.

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