A Ghanaian man has demonstrated how Treasury bills work using interest rates published by the Bank of Ghana. He compared the potential returns on GH₵50,000 invested over 91 days and 364 days.
The annualised rates for the 91-day, 182-day and 364-day Treasury bills stood at 4.6135%, 6.2929% and 9.6739%, respectively.
The man used an online calculator to demonstrate the potential returns on GH₵50,000. His demonstration focuses on the 91-day and 364-day investment options, showing how the investment period and interest rates influence earnings. The estimated interest for the 364-day option is approximately GH₵4,836.95.
Treasury bills are short-term government securities that allow individuals and institutions to lend money to the government for a specified period. Investors can purchase them through authorised financial institutions, with the amount received at maturity determined by the purchase terms.
The Bank of Ghana regularly publishes Treasury bill rates on its official website, allowing prospective investors to monitor changes before making financial decisions.
According to the Bank of Ghana's figures dated 26 October 2026, the annualised rates for the 91-day, 182-day and 364-day Treasury bills stood at 4.6135%, 6.2929% and 9.6739%, respectively. The man's demonstration highlights how publicly available government financial information can help Ghanaians understand Treasury bills and compare different investment periods.
Mahama expressed surprise at the improvement in key indicators of the economy on January 25. He described the rapid recovery as only by the grace of God and had expected it to take about two years to see an economic turnaround.
After inheriting an economy weighed down by inflation above 23%, interest rates north of 30%, and a sharply depreciating cedi, the Mahama administration oversaw a significant reversal of the country's fortunes in 2025.