Ghana Association of Banks

🌍 𝐅𝐄𝐀𝐓𝐔𝐑𝐄𝐃 𝐀𝐑𝐓𝐈𝐂𝐋𝐄 | 𝐓𝐇𝐄 𝐆𝐇 𝐁𝐀𝐍𝐊𝐄𝐑𝐒’ 𝐕𝐎𝐈𝐂𝐄 – 𝟔𝐓𝐇 𝐄𝐃𝐈𝐓𝐈𝐎𝐍 𝐓𝐇𝐄 𝐌𝐈𝐒𝐒𝐈𝐍𝐆 𝐏𝐑𝐈𝐂𝐄: 𝐂𝐥𝐢𝐦𝐚𝐭𝐞, 𝐍𝐚𝐭𝐮𝐫𝐞 𝐚𝐧𝐝 𝐭𝐡𝐞 𝐂𝐨𝐬𝐭 𝐨𝐟 𝐖𝐡𝐚𝐭 𝐀𝐟𝐫𝐢𝐜𝐚’𝐬 𝐂𝐫𝐞𝐝𝐢𝐭 𝐏𝐚𝐩𝐞𝐫𝐬 𝐃𝐨 𝐍𝐨𝐭 𝐂𝐚𝐫𝐫𝐲 In this insightful article, Rachael A.O. Antwi, Group Head of Sustainability & ESRM, Ecobank Transnational Incorporated, examines how climate change and nature degradation are emerging as significant financial risks for Africa’s banking industry. Drawing on Ghana’s environmental challenges, including illegal mining, water pollution and the destruction of cocoa farmlands, she highlights how unpriced environmental risks can translate into loan defaults, rising non-performing loans and broader financial instability. The article makes a compelling case for integrating climate and nature-related risks into credit assessment, pricing, portfolio management and strategic decision-making. It also highlights the importance of adaptation finance, sustainable lending and collective action in building a resilient financial system. The message is clear: What is not measured gets lost. Let us make sure the price is never missing again. 📖 Read the full article in the 6th Edition of The GH Bankers’ Voice Magazine. 📥 Download your copy: gab.com.gh/magazines #ghbankersvoice #bankingbeyondstabilisation #SustainableBanking #ClimateRisk #NatureFinance #ESG #FinancialStability

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The Ghana Reference Rate (GRR) for November 2026 is 10.01%. @AccessBankGhana @bankofafricagh @CalBankPLC @CBGBankLtd @devbankghana @EcobankGhanaPLC @FirstAtlanticGH @fidelitybankgh @FirstBankGhana @firstnatbankgh @GCBBankPLC @GTBankGhana @NIBGHANA @OmniBSICGh @pblghana @RepublicBankGh @StanChart @SG_Ghana @StanbicBankGH @UBAGhanaLtd @myumbbank @ZenithBank_Gh

📘 𝐅𝐄𝐀𝐓𝐔𝐑𝐄𝐃 𝐀𝐑𝐓𝐈𝐂𝐋𝐄 | 𝐓𝐇𝐄 𝐆𝐇 𝐁𝐀𝐍𝐊𝐄𝐑𝐒’ 𝐕𝐎𝐈𝐂𝐄 – 𝟔𝐓𝐇 𝐄𝐃𝐈𝐓𝐈𝐎𝐍 🔐 𝐅𝐢𝐧𝐚𝐧𝐜𝐢𝐚𝐥 𝐂𝐫𝐢𝐦𝐞, 𝐅𝐫𝐚𝐮𝐝 𝐓𝐫𝐞𝐧𝐝𝐬 𝐚𝐧𝐝 𝐑𝐞𝐠𝐮𝐥𝐚𝐭𝐨𝐫𝐲 𝐄𝐱𝐩𝐞𝐜𝐭𝐚𝐭𝐢𝐨𝐧𝐬 𝐢𝐧 𝐚 𝐃𝐢𝐠𝐢𝐭𝐚𝐥 𝐄𝐫𝐚 ✍️ By Seth Nana Amoako (CAMS, CCPA, CFCS), National Mutual Evaluation Coordinator/Head, Mutual Evaluation and Regional Compliance Department, Financial Intelligence Centre, Ghana. As financial services become increasingly digital, financial crime threats are evolving in complexity and sophistication. How can Ghana’s banking industry strengthen its defences and stay ahead of emerging threats? In this featured article, Seth Nana Amoako examines emerging fraud trends, including mobile money fraud, business email compromise, cryptocurrency-related financial crime, investment scams, and proliferation financing. He also highlights evolving regulatory expectations and the need for intelligence-led compliance. He emphasises the importance of strong board oversight, effective transaction monitoring, improved suspicious transaction reporting, beneficial ownership transparency, and investment in technology and human capacity. 💡 The message is clear: The future of banking resilience depends not just on digital innovation, but on the ability to anticipate, detect, and prevent financial crime before damage is done. 📖 Read the full article in the 6th Edition of The GH Bankers’ Voice Magazine. 📥 Download your copy: gab.com.gh/magazines #ghbankersvoice #financialcrime #FraudPrevention #cybersecurity #financialintelligence #bankingbeyondstabilisation

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📘 𝐅𝐄𝐀𝐓𝐔𝐑𝐄𝐃 𝐀𝐑𝐓𝐈𝐂𝐋𝐄 | 𝐓𝐇𝐄 𝐆𝐇 𝐁𝐀𝐍𝐊𝐄𝐑𝐒’ 𝐕𝐎𝐈𝐂𝐄 – 𝟔𝐓𝐇 𝐄𝐃𝐈𝐓𝐈𝐎𝐍 🏦 𝐌𝐚𝐜𝐫𝐨𝐞𝐜𝐨𝐧𝐨𝐦𝐢𝐜 𝐒𝐭𝐚𝐛𝐢𝐥𝐢𝐬𝐚𝐭𝐢𝐨𝐧 𝐚𝐧𝐝 𝐭𝐡𝐞 𝐏𝐞𝐫𝐟𝐨𝐫𝐦𝐚𝐧𝐜𝐞 𝐨𝐟 𝐭𝐡𝐞 𝐁𝐚𝐧𝐤𝐢𝐧𝐠 𝐒𝐞𝐜𝐭𝐨𝐫 𝐢𝐧 𝐆𝐡𝐚𝐧𝐚: 𝐎𝐮𝐭𝐥𝐨𝐨𝐤 𝐏𝐨𝐬𝐭-𝐈𝐌𝐅 𝐏𝐫𝐨𝐠𝐫𝐚𝐦𝐦𝐞 𝐂𝐨𝐦𝐩𝐥𝐞𝐭𝐢𝐨𝐧 ✍️ By Mr. Louis Kwame Amo, Director, Financial Sector Division, Ministry of Finance. As Ghana transitions from macroeconomic stabilisation to economic consolidation, what lies ahead for the banking sector and the broader financial system? In this featured article, Mr. Louis Kwame Amo examines Ghana’s macroeconomic recovery, the performance of the banking sector, ongoing structural reforms, and the prospects for sustainable growth beyond the IMF-supported programme. He highlights the importance of fiscal discipline, debt sustainability, banking sector reforms, stronger institutional governance, and strategic recapitalisation in consolidating economic gains and strengthening financial sector resilience. 💡 The message is clear: Stabilisation is only the beginning. Sustaining the gains through sound policies and strategic reforms will define Ghana’s next phase of economic recovery and growth. 📖 Read the full article in the 6th Edition of The GH Bankers’ Voice Magazine. 📥 Download your copy: gab.com.gh/magazines #GHBankersVoice #GAB #MacroeconomicStabilisation #EconomicRecovery #BankingSectorReforms #SustainableGrowth #GhanaBankingIndustry @MoF_Ghana

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Fraudsters are counting on curiosity beating caution. Check the sender. Check the link. If anything feels off, leave it alone. Shine your eye! Spot the fraud. Stop the fraud. @absaghana @access_more @adbghana @bankofafricagh @calbankplc @cbgbankltd @ecobankghanaplc @firstatlanticgh @firstbankghana @firstnationalbankgh @fidelitybankgh @gbbanklimited @gbankgh @nibghana @omnibsicbankgh @prudentialbankgh @republicbankghana @societegenerale @stanbicbankgh @ubaghana @myumbbank @zenithbankghana #ShineYourEye #GAB #SpotTheFraudStopTheFraud

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📘 𝐅𝐄𝐀𝐓𝐔𝐑𝐄𝐃 𝐀𝐑𝐓𝐈𝐂𝐋𝐄 | 𝐓𝐇𝐄 𝐆𝐇 𝐁𝐀𝐍𝐊𝐄𝐑𝐒’ 𝐕𝐎𝐈𝐂𝐄 – 𝟔𝐓𝐇 𝐄𝐃𝐈𝐓𝐈𝐎𝐍 🏦 𝐕𝐢𝐫𝐭𝐮𝐚𝐥 𝐀𝐬𝐬𝐞𝐭𝐬 𝐚𝐧𝐝 𝐭𝐡𝐞 𝐅𝐮𝐭𝐮𝐫𝐞 𝐨𝐟 𝐁𝐚𝐧𝐤𝐢𝐧𝐠 𝐒𝐞𝐜𝐭𝐨𝐫 𝐑𝐞𝐬𝐢𝐥𝐢𝐞𝐧𝐜𝐞 𝐢𝐧 𝐆𝐡𝐚𝐧𝐚 ✍️ By Mr. Philip Kwaw Sebuabe, Head, Virtual Assets Department, Bank of Ghana, and Mr. Tahiru Alhassan, Head, Virtual Assets Oversight and Compliance Office. As virtual assets reshape the financial landscape, how can Ghana’s banking sector embrace innovation while safeguarding financial stability? This featured article explores Ghana’s evolving regulatory framework for virtual assets, the implications for banks and other supervised institutions, and the importance of robust governance, cybersecurity, risk management, and regulatory oversight. The message is clear: The future of banking requires a proactive approach that balances digital innovation with strong safeguards for a resilient financial system. 📖 Read the full article in the 6th Edition of The GH Bankers’ Voice Magazine. 📥 Download your copy: gab.com.gh/magazines #ghbankersvoice #GAB #BankOfGhana #VirtualAssets #DigitalFinance #bankingbeyondstabilisation #FinancialStability

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Fraud can come with good grammar, a familiar logo and plenty of confidence. Look past the presentation. Check the details. Shine your eye! Spot the fraud. Stop the fraud. @absaghana @access_more @adbghana @bankofafricagh @calbankplc @cbgbankltd @ecobankghanaplc @firstatlanticgh @firstbankghana @firstnationalbankgh @fidelitybankgh @gbbanklimited @gbankgh @nibghana @omnibsicbankgh @prudentialbankgh @republicbankghana @societegenerale @stanbicbankgh @ubaghana @myumbbank @zenithbankghana

📘 𝐅𝐄𝐀𝐓𝐔𝐑𝐄𝐃 𝐀𝐑𝐓𝐈𝐂𝐋𝐄 | 𝐓𝐇𝐄 𝐆𝐇 𝐁𝐀𝐍𝐊𝐄𝐑𝐒’ 𝐕𝐎𝐈𝐂𝐄 – 𝟔𝐓𝐇 𝐄𝐃𝐈𝐓𝐈𝐎𝐍 🏦 𝐆𝐨𝐯𝐞𝐫𝐧𝐚𝐧𝐜𝐞, 𝐌𝐚𝐫𝐤𝐞𝐭 𝐂𝐨𝐧𝐝𝐮𝐜𝐭 𝐚𝐧𝐝 𝐭𝐡𝐞 𝐑𝐨𝐥𝐞 𝐨𝐟 𝐁𝐚𝐧𝐤 𝐁𝐨𝐚𝐫𝐝𝐬 𝐢𝐧 𝐚 𝐑𝐞𝐟𝐨𝐫𝐦𝐞𝐝 𝐒𝐲𝐬𝐭𝐞𝐦 ✍️ By James Reynolds Baiden, Board Chairman, Fidelity Bank Ghana Ghana’s banking reforms have raised the bar for effective governance, ethical leadership, and accountability. In this featured article, James Reynolds Baiden explores the evolving responsibilities of bank boards in strengthening institutional resilience, protecting customers, and sustaining public trust. He highlights the importance of strong risk oversight, ethical market conduct, responsible digital transformation, and proactive board leadership in navigating emerging risks and supporting sustainable growth. 💡 The takeaway: Strong boards build strong banks and strong governance builds trust in the financial system. 📖 Read the full article in the 6th Edition of The GH Bankers’ Voice Magazine. 📥 Download your copy: gab.com.gh/magazines #GHBankersVoice #GAB #JamesReynoldsBaiden #CorporateGovernance #MarketConduct #BankingBeyondStabilisation #GhanaBankingIndustry

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📘 𝐊𝐄𝐘 𝐌𝐄𝐒𝐒𝐀𝐆𝐄 | 𝐓𝐇𝐄 𝐆𝐇 𝐁𝐀𝐍𝐊𝐄𝐑𝐒’ 𝐕𝐎𝐈𝐂𝐄 – 𝟔𝐓𝐇 𝐄𝐃𝐈𝐓𝐈𝐎𝐍 𝐏𝐫𝐨𝐟𝐞𝐬𝐬𝐢𝐨𝐧𝐚𝐥𝐢𝐬𝐦 𝐚𝐧𝐝 𝐈𝐧𝐭𝐞𝐠𝐫𝐢𝐭𝐲: 𝐓𝐡𝐞 𝐅𝐨𝐮𝐧𝐝𝐚𝐭𝐢𝐨𝐧 𝐟𝐨𝐫 𝐒𝐮𝐬𝐭𝐚𝐢𝐧𝐚𝐛𝐥𝐞 𝐁𝐚𝐧𝐤𝐢𝐧𝐠 In his key message, Robert Dzato, FCIB, CEO of the Chartered Institute of Bankers, Ghana, emphasises that trust remains banking’s most valuable currency, built on professionalism, ethical leadership, and accountability. Highlighting a June 2026 CIB Ghana survey in which 99% of banking executives identified professionalism and ethics as critical drivers of trust, he calls for stronger ethical standards, continuous professional development, and collective action to combat fraud and strengthen public confidence. The message is clear: Sustainable banking begins with competent professionals, ethical leadership, and integrity that is non-negotiable. 📖 Read the full message in the 6th Edition of The GH Bankers’ Voice Magazine. 📥 Download your copy: gab.com.gh/magazines #GHBankersVoice #CIBGhana #Professionalism #Integrity #EthicalLeadership #SustainableBanking

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The faster they want you to act, the more reason you have to slow down. Check the sender. Check the link. Then decide. Shine your eye! Spot the fraud. Stop the fraud. @absaghana @access_more @adbghana @bankofafricagh @calbankplc @cbgbankltd @ecobankghanaplc @firstatlanticgh @firstbankghana @firstnationalbankgh @fidelitybankgh @gbbanklimited @gbankgh @nibghana @omnibsicbankgh @prudentialbankgh @republicbankghana @societegenerale @stanbicbankgh @ubaghana @myumbbank @zenithbankghana

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Reusing the same password across different accounts means one compromised login can put more than one account at risk. Make each important account harder to crack with its own strong password. Shine your eye! Spot the fraud. Stop the fraud. @absaghana @access_more @adbghana @bankofafricagh @calbankplc @cbgbankltd @ecobankghanaplc @firstatlanticgh @firstbankghana @firstnationalbankgh @fidelitybankgh @gbbanklimited @gbankgh @nibghana @omnibsicbankgh @prudentialbankgh @republicbankghana @societegenerale @stanbicbankgh @ubaghana @myumbbank @zenithbankghana