At the Treasury bill auction dated 10 August 2026, the Bank of Ghana cleared the 91-day bill at 5.63% (down 13 basis points), the 182-day bill at 7.53% (down 11 basis points) and the 364-day bill at 12.99% (unchanged). The rate shown is the weighted average interest-rate equivalent.
Bids totalled GHS 11.6bn and GHS 9.4bn was accepted, 81% of what was bid.
Over the past year the 364-day rate has ranged from 9.35% to 13.09%.
A year earlier the 364-day bill cleared at 13.25%, so the government is paying 26 basis points less than twelve months ago.
What this means for GHS 10,000
Worked from the published rate · information, not advice
GHS 1,299 in 12 months on the 364-day bill
Put GHS 10,000 into the 364-day bill at this auction and you get back GHS 11,299 after 12 months: GHS 1,299 in interest before any withholding tax, about GHS 108 a month.
That is the same as at the previous auction.
For shorter money: GHS 376 on the 182-day bill (6 months), GHS 141 on the 91-day bill (3 months).
The government pays the full amount at maturity; the risk is Ghana’s government not paying, and the money is locked until then.
Results
By tenor
| Tenor | Rate | Previous | Offered | Bids | Accepted |
|---|---|---|---|---|---|
| 91-day | 5.629% | 5.762% | — | GHS 3.70bn | GHS 2.36bn |
| 182-day | 7.527% | 7.641% | — | GHS 1.91bn | GHS 1.19bn |
| 364-day | 12.986% | 12.982% | — | GHS 6.02bn | GHS 5.86bn |
Source: Bank of Ghana result · weighted average interest-rate equivalent
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Afronomics (2026). Ghana Treasury bill auction, 10 August 2026, compiled from the Bank of Ghana. Retrieved 4 November 2026, from https://www.afronomicsfeed.com/markets/tbills/ghana/2026-08-10
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