ARB Apex Financial institution Appearing Managing Director, Curtis William Brantuo, stated the group banking sector is at present present process main reforms below the management of the Financial institution of Ghana (BoG) to construct stronger, extra resilient and well-capitalized banks that may defend depositors’ funds and assist regional financial growth.
Talking on the thirty sixth Annual Basic Assembly (AGM) of Astifi Neighborhood Financial institution held in Acherensua, Ahafo Area, on Saturday, Could 30, 2026, he famous that central financial institution reforms shouldn’t be seen as punitive measures, however relatively as mandatory interventions to reposition the sector in the direction of long-term sustainability and resilience.
Brantuo indicated that ARB Apex Financial institution stays deeply dedicated to guiding member establishments by way of this regulatory transition.
He stated that in this transition interval, the establishment stays dedicated to supporting member banks by way of operational assist, expertise enhancement, danger administration steerage and capability constructing.
A central spotlight of the final assembly was Asutifi Neighborhood Financial institution’s spectacular monetary restoration through the 2025 monetary 12 months. Mr Brantuo praised the strategic self-discipline of the board, administration crew and employees, which succeeded in returning the corporate from a pre-tax lack of roughly GH¢2.05 million in 2024 to a pre-tax revenue of over GH¢3.59 million in 2025.
This turnaround displays new administration self-discipline, stronger income mobilization and improved operational focus. The financial institution’s capital elevated from GH¢1.25 million in 2024 to GH¢1.37 million in 2025.
Whereas this capital enhance signifies rising shareholder confidence and a deliberate effort in the direction of rebuilding the financial institution’s capital base, it stays under the central financial institution’s last regulatory minimal goal of GH¢5 million.
The appearing MD confused that capital adequacy has turn into some of the vital points going through the sector, making capital restoration not only a regulatory obligation however a necessity for enterprise survival.
To shut this hole, he outlined two key strategic paths that banks should pursue strongly.
Administration must strengthen deposit mobilization, which stays the core of group banking, whereas on the identical time strengthening credit score administration and mortgage restoration to fight non-performing loans throughout the sector.
Furthermore, strict price self-discipline is crucial, as the times when banks might survive with inefficient price constructions are over. Which means that all future spending should be strictly tied to productiveness.
The financial institution will even must leverage digital and agent banking to extend transaction volumes, develop price revenue and guarantee long-term relevance in Ghana’s evolving digital monetary ecosystem.
Boards ought to lead vigorous shareholder campaigns to elicit extra fairness participation from each present shareholders and new traders resembling native enterprise house owners, farmer teams, church buildings, professionals, and group organizations.
Moreover, banks ought to search strategic partnerships with trusted institutional traders who share their imaginative and prescient for the event of group banking.
“Investor confidence should be repeatedly strengthened by way of transparency, sound governance and operational effectivity,” Brantuo concluded. “Traders will deploy capital once they trust within the management and strategic course.”
On behalf of ARB Apex Financial institution, the Appearing Managing Director congratulated Asutifi Neighborhood Financial institution’s board, administration, employees and shareholders on their progress and inspired them to tackle the duty forward.
