Our Businesses

Corporate Banking
The Corporate Banking Division provides high quality financial services to Multinationals and Large domestic clients across a variety of industry sectors. These include Multinationals and Telecoms, Mining and Construction, Cocoa and Exports, Metal Fabrication, Aviation and Hospitality, Maritime & Oil and Gas.

Commercial Banking
Our Commercial Banking Division is made up of seven distinctive market segments: General Commerce industries, Manufacturing, Fast Moving Consumer Goods (Importers and Distributors), Pharmaceuticals and Chemicals, Chinese Markets and Agro-allied. The Commercial Banking Division’s portfolio focuses on local corporates and SMEs with annual turnover of less than Five Million Ghana Cedis.

Retail Banking
The Retail Banking division is the largest market facing division within the Bank comprising of the Personal Banking and Business Banking groups. This is to give a broader thrust and an all-in-one offering to our personal and SME customers whose needs are interwoven and across our business locations.
 
Business Banking
The Business Segments group is one leg of the Retail Banking division which focuses exclusively on small and medium scale enterprises with emphasis on businesses with a turnover of GHS5million and below.
 
Personal Banking
The Personal Banking Group forms the retail segment of the Bank and delivers timely and innovative financial products and services to individuals and their families. The Personal Banking Group is heavily supported by various channels including e-banking services, ATM and branch network.
 
Public Sector
The Public Sector unit focuses on this part of the national economy which provides basic goods or services that are either not or cannot be provided by the private sector. They are defined to include government-related organisations and institutions.

Investment Banking
Our Investment Banking group is made up of the Treasury and Financial Institution business segments:
 
Financial Institutions
The Financial Institution Unit (FI) is a specialised unit established and equipped with the appropriate competencies and capacity to handle the sophisticated needs of our customers in the financial services sector of the Ghanaian economy. The unit plays in four main sectors within this market space namely: Savings and Loans Institutions, Finance Houses, Insurance Companies (Life Insurance & Non-Life Insurance) and Asset Management Institutions.
 
Treasury
Treasury is a key player in the Bank’s service delivery, providing cutting-edge financial services to all the Bank’s customers to meet their funding, foreign exchange, investment, liquidity and risk management needs.