Special Report on Unibank
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A Thesis Presented to the School of Arts and Communication, Malmö University; in Partial Fulfilment of the Requirements for the Award of Master of Arts (M.A.) Degree
1 UNIVERSITY OF MALMÖ SWEDEN FACULTY OF CULTURE AND SOCIETY (SCHOOL OF ARTS AND COMMUNICATION) M.A. THESIS HOW CAN ICTs AND NEW/SOCIAL MEDIA REMEDY THE PROBLEM OF VITAL STATISTICS DEFICIENCIES IN GHANA? (THE CASE OF GHANA BIRTHS AND DEATHS REGISTRY DEPARTMENT): A THESIS PRESENTED TO THE SCHOOL OF ARTS AND COMMUNICATION, MALMÖ UNIVERSITY; IN PARTIAL FULFILMENT OF THE REQUIREMENTS FOR THE AWARD OF MASTER OF ARTS (M.A.) DEGREE. BY STEPHEN BAIDOO SUPERVISED BY: Ms. Helen Hambly Odame(PhD). Associate professor, University of Guelph, Canada. JUNE, 2012 2 CONTENT TABLE OF CONTENT…………………………………………………………………………………………….. 2 DECLARATION……………………………………………………………………………………………………….5 DEDICATION………………………………………………………………………………………………………….5 ACKNOWLEDGEMENT ............................................................................................6 PREFACE………………………………………………………………………………………………………………..7 CHAPTER 1: INTRODUCTION 1.0. GENERAL INTRODUCTION…………………………………….……………………………………9 1.1. PREVIOUS STUDY………………………………………………………………………………………..9 1.2. CURRENT STUDY…………………………………………………..………………………………..….11 1.3. THE GOAL OF THIS STUDY………………………………………………………..…………………12 1.4. RESEARCH OBJECTIVES…………………………………………………….…………………………12 1.5. RESEARCH QUESTIONS/HYPOTHESES…………………………………..……………………..13 1.6. IMPORTANCE OF THIS STUDY……………………………………………………………………….13 1.7. PROJECT RELEVANCE TO COMDEV…………………………………………..………………….14 1.8. FIELD PROBLEMS ENCOUNTERED………………………………………………….…………..,.14 CHAPTER 2. THEORY AND CONCEPT 2.0. INTRODUCTION………………………………………………………………………..………………………15 2.1.0. THEORITICAL FRAMEWORK……………………………………………………………………………15 -
Digital Access: the Future of Financial Inclusion in Africa Acronyms
DIGITAL ACCESS: THE FUTURE OF FINANCIAL INCLUSION IN AFRICA ACRONYMS ADC Alternative Delivery Channel ISO International Organization for Standardization AFSD African Financial Sector Database IT Information Technology ARPU Average Revenue Per User KES Kenyan Shilling API Application Programming Interface KPI Key Performance Indicator ATM Automated Teller Machine KYC Know Your Customer B2P Business to Person LAPO MfB Lift Above Poverty Organization BCEAO Central Bank of West Africa (Banque Centrale Microfinance Bank des Etats de l’Afrique de l’Ouest) M-banking Mobile Banking BOI Banking Operations Intermediary M-wallet Mobile Wallet BVN Bank Verification Number MFI Microfinance Institution CEO Chief Executive Officer MM Mobile Money CBA Commercial Bank of Africa MSME Micro, Small and Medium Enterprise CBN Central Bank of Nigeria MTN Mobile Telephone Network CFA West African Franc, or Central African Franc MNO Mobile Network Operator CGAP Consultative Group to Assist the Poor MVNO Mobile Virtual Network Operator CRM Customer Relationship Management NFC Near Field Communication DFS Digital Financial Services OTC Over the Counter DJ Disc Jockey P2B Person to Business DVD Digital Versatile Disc P2P Person to Person E-banking Electronic Banking PC Personal Computer EFT Electronic Funds Transfer PIN Personal Identification Number EMI e-Money Issuer POS Point of Sale E-money Electronic Money PSP Payment Service Provider E-wallet Electronic Wallet E-warehousing Electronic Warehousing QR Quick Response FCMB First City Monument Bank RCT Randomized -
The Determinants of Bank's Profitability in Ghana, The
The Determinants of Bank’s Profitability in Ghana, The Case of Merchant Bank Ghana Limited (MBG) and Ghana Commercial Bank (GCB) By Anthony Kofi Krakah & Aaron Ameyaw Henrik Sällberg (Supervisor) Master’s Thesis in Business Administration, MBA programme 2010 Table of Contents Table of Contents ............................................................................................................................................ i ABSTRACT ...................................................................................................................................................... v ACKNOWLEDGEMENT ........................................................................................................................................ vi CHAPTER ONE ............................................................................................................................................... 1 1.0 INTRODUCTION ...................................................................................................................................... 1 An overview of the banking industry in Ghana ..................................................................................................... 3 1.2 Background of the banks ......................................................................................................................... 6 Global Banking Industry .................................................................................................................. 12 Statement of the problem .......................................................................................................................... -
RESTRICTED WT/TPR/S/298 16 April 2014 (14-2369) Page
RESTRICTED WT/TPR/S/298 16 April 2014 (14-2369) Page: 1/105 Trade Policy Review Body TRADE POLICY REVIEW REPORT BY THE SECRETARIAT GHANA This report, prepared for the fourth Trade Policy Review of Ghana, has been drawn up by the WTO Secretariat on its own responsibility. The Secretariat has, as required by the Agreement establishing the Trade Policy Review Mechanism (Annex 3 of the Marrakesh Agreement Establishing the World Trade Organization), sought clarification from Ghana on its trade policies and practices. Any technical questions arising from this report may be addressed to Jacques Degbelo (tel.: 022 739 5583) and Catherine Hennis-Pierre (tel.: 022 739 5640). Document WT/TPR/G/298 contains the policy statement submitted by Ghana. Note: This report is subject to restricted circulation and press embargo until the end of the first session of the meeting of the Trade Policy Review Body on Ghana. This report was drafted in English. WT/TPR/S/298 • Ghana - 2 - CONTENTS SUMMARY ........................................................................................................................ 7 1 ECONOMIC ENVIRONMENT ........................................................................................ 10 1.1 Major Features of the Economy .................................................................................. 10 1.2 Recent Economic Developments.................................................................................. 13 1.3 Developments in Trade and Foreign Direct Investment .................................................. -
AFRICA RISK CONSULTING Ghana Monthly Briefing December 2020
AFRICA RISK CONSULTING Ghana Monthly Briefing December 2020 Ghana Summary 17 December 2020 President Nana Addo Akufo-Addo (2017-present) secures a second four-year term in a tight presidential election but without a majority in parliament and his opponent, former President John Mahama (2012-2017), refusing to concede defeat. Economists are divided in opinion on how the current uncertain political environment will impact economic activity and local and foreign investment in the country. The election was largely peaceful but marred by patches of violence during counting and collation of results, with six recorded election-related deaths. Akufo Addo wins re-election, opposition claims fraud Ghana’s Electoral Commission (EC) announced on 9 December that President Nana Akufo-Addo (2017-present) of the New Patriotic Party (NPP) had secured 51.59% of the valid votes cast in presidential polls held on 7 December, beating his opponent and predecessor, former President John Mahama (2012-2017) of the National Democratic Congress (NDC) who obtained 47.366%.1 Mahama has rejected the election results, describing them as “fraudulent”, and has vowed to take up a legal battle. ARC’s sources in Ghana say there is a tense atmosphere in the country as the nation awaits the next move by the opposition NDC – although the election was largely peaceful. The two major parties failed to gain an absolute majority in the country’s 275-seat parliament, with the NDC wiping out of the NPP’s 63-seat majority. The ECC announced on 17 December that the NDC won the remaining seat to be counted in the legislative elections, Sene West, matching the ruling party’s tally and creating a hung parliament. -
Annual Report 1998 Unidanmark Unibank Contents
Annual Report 1998 Unidanmark Unibank Contents Summary . 6 Financial review . 8 The Danish economy . 14 Business description . 15 Retail Banking . 15 Corporate Banking . 21 Markets . 23 Investment Banking . 25 Risk management . 26 Capital resources . 33 Employees . 35 Management and organisation . 37 Accounts Accounting policies . 42 The Unidanmark Group . 44 Unidanmark A/S . 50 Unibank A/S . 55 Notes . 59 Unidanmark’s Local Boards of Shareholders . 84 Unibank’s Business Forum . 85 Branches in Denmark . 86 International directory . 88 Notice of meeting . 90 Management Supervisory Board of Unidanmark Jørgen Høeg Pedersen (Chairman) Holger Klindt Andersen Laurids Caspersen Boisen Lene Haulrik* Steffen Hvidt* Povl Høier Mogens Hugo Jørgensen Brita Kierrumgaard* Kent Petersen* Mogens Petersen Keld Sengeløv * Appointed by employees Executive Board of Unidanmark Thorleif Krarup Supervisory Board of Unibank Unibank’s Supervisory Board has the same members as the Supervisory Board of Unidanmark. In addition, as required by Danish banking legisla- tion, the Danish Minister of Business and Industry has appointed one mem- ber of the Supervisory Board of Unibank, Mr Kai Kristensen. Executive Board of Unibank Thorleif Krarup (Chairman) Peter Schütze (Deputy Chairman) Christian Clausen Jørn Kristian Jensen Peter Lybecker Henrik Mogensen Vision We are a leading financial services company in Denmark with a prominent position in the Nordic market. We ensure our shareholders a return in line with the return of the best among comparable Nordic financial services companies. Through our customer focus, efficient business processes and technology we create customer satisfaction and attract new customers. This confirms the customers in their choice of bank. Unibank is an attractive workplace where team spirit and customer focus are important criteria for individual success. -
MOBA Newsletter 1 Jan-Dec 2019 1 260420 1 Bitmap.Cdr
Ebusuapanyin Dentist Poku Goes ‘Home’ ews of the demise of Dr. Fancis Yaw Apiagyei Poku, immediate past Ebusuapanyin of MOBA Nappeared on the various MOBA Year Group WhatsApp plaorms by mid-day on Saturday 26th January 2019. For those who knew he was sick, it was not too much of a surprise. However, for the majority of 'Old Boys' the news came as a big shock! In line with Ghanaian tradion, the current Ebusuapanyin, Capt. Paul Forjoe led a delegaon to visit the family to commiserate with them. MOBA was also well represented at the one-week celebraon at his residence at Abelenkpe, Accra. To crown it, MOBA organised a Special Remembrance Service in his honour at the Calvary Methodist Church in Adabraka, Accra. A host of 'Old Boys' thronged the grounds of the Christ Church Anglican Church at the University of Ghana, Legon on Saturday 24th April 2019 for the Burial Service and more importantly to pay their last respects to the man who had done so much for Mfantsipim and MOBA. The tribute of the MOBA Class of 1955, read by Dr. Andrew Arkutu, described him as a very humble and kindhearted person who stood firmly by his principles but always exhibited a composed demeanor. ...connued on page 8 The MOBA Newsletter is Registered with the National Media Commision - ISSN 2637 - 3599 Inside this Issue... Comments 5 Editorial: ‘Old Boys’ - Let’s Up Our Game 6 From Ebusuapanyin’s Desk Cover Story 8. Dr. Poku Goes Home 9 MOBA Honours Dentist Poku From the School 10 - 13 News from the Hill MOBA Matters 15 MOBA Elections 16 - 17 Facelift Campaign Contributors 18 - 23 2019 MOBA Events th 144 Anniversary 24 - 27 Mfantsipim Celebrates 144th Anniversary 28 2019 SYGs Project - Staff Apartments Articles 30 - 31 Reading, O Reading! Were Art Thou Gone? 32 - 33 2019 Which Growth? Lifestyle Advertising Space Available 34 - 36 Journey from Anumle to Kotokuraba Advertising Space available for Reminiscences businesses, products, etc. -
Download Date 28/09/2021 19:08:59
Ghana: From fragility to resilience? Understanding the formation of a new political settlement from a critical political economy perspective Item Type Thesis Authors Ruppel, Julia Franziska Rights <a rel="license" href="http://creativecommons.org/licenses/ by-nc-nd/3.0/"><img alt="Creative Commons License" style="border-width:0" src="http://i.creativecommons.org/l/by- nc-nd/3.0/88x31.png" /></a><br />The University of Bradford theses are licenced under a <a rel="license" href="http:// creativecommons.org/licenses/by-nc-nd/3.0/">Creative Commons Licence</a>. Download date 28/09/2021 19:08:59 Link to Item http://hdl.handle.net/10454/15062 University of Bradford eThesis This thesis is hosted in Bradford Scholars – The University of Bradford Open Access repository. Visit the repository for full metadata or to contact the repository team © University of Bradford. This work is licenced for reuse under a Creative Commons Licence. GHANA: FROM FRAGILITY TO RESILIENCE? J.F. RUPPEL PHD 2015 Ghana: From fragility to resilience? Understanding the formation of a new political settlement from a critical political economy perspective Julia Franziska RUPPEL Submitted for the Degree of Doctor of Philosophy Faculty of Social Sciences and Humanities University of Bradford 2015 GHANA: FROM FRAGILITY TO RESILIENCE? UNDERSTANDING THE FORMATION OF A NEW POLITICAL SETTLEMENT FROM A CRITICAL POLITICAL ECONOMY PERSPECTIVE Julia Franziska RUPPEL ABSTRACT Keywords: Critical political economy; electoral politics; Ghana; political settle- ment; power relations; social change; statebuilding and state formation During the late 1970s Ghana was described as a collapsed and failed state. In contrast, today it is hailed internationally as beacon of democracy and stability in West Africa. -
2009 Budget.Pdf
REPUBLIC OF GHANA THE BUDGET STATEMENT AND ECONOMIC POLICY of the GOVERNMENT OF GHANA for the 2009 FINANCIAL YEAR presented to PARLIAMENT on Thursday, 5th March, 2009 by Dr. Kwabena Duffuor MINISTER OF FINANCE AND ECONOMIC PLANNING on the authority of H. E. John Evans Atta Mills PRESIDENT OF THE REPUBLIC OF GHANA Investing in A BETTER GHANA For Copies of the statement, please contact the Public Relations Office of the Ministry: Ministry of Finance and Economic Planning Public Relations Office – (Room 303 or 350) P.O. Box MB 40, Accra, Ghana. The 2009 Budget Statement and Economic Policies of the Government is also available on the internet at: www.mofep.gov.gh ii Investing in A BETTER GHANA ACRONYMS AND ABBREVIATIONS 3G Third Generation ADR Alternate Dispute Resolution AEAs Agricultural Extension Agents AFSAP Agriculture Finance Strategy and Action Plan APR Annual Progress Report APRM African Peer Review Mechanism ART Anti-Retroviral Therapy ASF African Swine Fever ATM Average Term to Maturity AU African Union BECE Basic Education Certificate Examination BoG Bank of Ghana BOST Bulk Oil Storage and Transportation BPO Business Process Outsourcing CAHWs Community Animal Health Workers CBD Central Business District CBPP Contagious Bovine Pleuropneumonia CCE Craft Certificate Examination CDD Centre for Democratic Development CEDAW Convention on the Elimination of All forms of Discrimination Against Women CEDECOM Central Regional Development Commission CEPA Centre for Policy Analysis CEPS Customs Excise and Preventive Service CFMP Community -
DRAFT Bofa CRA PE
PUBLIC DISCLOSURE September 14, 2020 COMMUNITY REINVESTMENT ACT PERFORMANCE EVALUATION UniBank for Savings Certificate Number: 90290 49 Church Street Whitinsville, Massachusetts 01588 Division of Banks Federal Deposit Insurance Corporation 1000 Washington Street, 10th Floor 350 Fifth Avenue, Suite 1200 Boston, Massachusetts 02118 New York, New York 10118 This document is an evaluation of this institution’s record of meeting the credit needs of its entire community, including low- and moderate-income neighborhoods, consistent with safe and sound operation of the institution. This evaluation is not, nor should it be construed as, an assessment of the financial condition of this institution. The rating assigned to this institution does not represent an analysis, conclusion, or opinion of the Division of Banks or the Federal Deposit Insurance Corporation concerning the safety and soundness of this financial institution. TABLE OF CONTENTS Institution Rating Overall Rating ......................................................................................................................1 Performance Test Ratings Table .........................................................................................1 Summary of Major Factors Supporting Rating ....................................................................1 Institution Scope of Evaluation .............................................................................................................3 Description of Institution .....................................................................................................5 -
2012-Edition-GC100-Directory.Pdf
2012 2012 DIRECTORY DIRECTORY NAME OF COMPANY BUSINESS CATEGORY LOCATION ADDRESS TELEPHONE FAX/E-MAIL/WEBSITE CONTACT PERSON TITLE 7 Dr. Amilcar Cabral Road, Accra (233-302) 770189/90/91 “(233-302) 770187 1 Abosso GoldFields Limited Mining Institution Airport Residential Area P. O. Box KA 30742 www.goldfields.co.za” Alfred Baku Managing Director Accra Banking Services [email protected] Head, Corporate 2 Acces Bank (Ghana) (Commercial & Merchant) “Starlets ‘91 Road “P. O. Box GP 353 Osu- Accra” (233-302) 684860 / 742699 www.accessbankplc.com/gh Matilda Asante-Aseidu Communications (233-302) 2688960 3 Accra Brewery Manufacturing - Beverages Opp. Ohene Djan Staduim” P. O. Box GP351 (233-302) 688851-6 [email protected] Gregory Metcalf Managing Director www.sabmiller.com (233-302) 685176 4 Activa International Insurance Company Non-Banking-Insurance Graphic Road, Adabraka PMB KA 85 (233-32) 686352 / 672145 [email protected] Limited www.group-activa.com “P. O. Box 35 Banking Service-Rural & 3rd Floor Heritage Tower, 6th Ave. West (233-322) 420926 / 90099 Lucy Opoku-Arthur Ag General Manager 5 Adansi Rural Bank Limited Community Banking Ridge, Accra Fomena-Adansi” Banking Services-Rural & 6 Adonten Community Bank Limited Community Banking Head Office: Fomena - Adansi P.O.Box 140 3420-24109/027-895636/027-7609343 3420-26780 [email protected] Mr.Francis Mensah Senior Manager Banking Services-Rural & 7 Ahantaman Rural Bank Limited Community Banking New Tafo, Akyem, Eastern Region P. O. Box 41, Ahanta (233-312) 23431 / 21016 (233-312)29116 David Bampoe General Manager Banking Services-Rural & 8 Amanano Rural Bank Limited Community Banking Agona Ahanta,Western Region P. -
The Rural Banker Issue 4 Q4, 2018
THE RURAL BANKER ISSUE 4 Q4, 2018 FEATURED BANKS Bongo Builsa Fiaseman BIENNIAL GENERAL MEETING HELD AT BOLGATANGA Comfort Owusu The first female Executive Director of the Association of Rural Banks EDUCARE PLAN The perfect support for your child’s education! @PhoenixLifeSocial Issue The Rural Banker 4 CONTENTS 15 The genesis of Rural Banking in Ghana. 12 HOW BONGO RURAL BANK IS CHANGING LIVES IN 18 PROFITS ARE SOARING AT BUILSA COMMUNITY OnJuly9, 1976,the first Rural Bank was born THE UPPER EAST REGION BANK, MAKING IT AN INDUSTRY BENCHMARK at Agona Nyakrom. Dr Sam Dufu was the first Chairman of the Board of Directors... Bongo Rural Bank Hayatudeen Awudu 37 Upper East Regional Minister woos (BORBA) Limited, is one Ibrahim became investors. of the most progressive General Manager of The Regional Minister made the call during and thriving Rural Banks Builsa Community Bank the 20th Biennial General Meeting of the in the Upper East Region. (Bucobank) in 2012. Association of Rural Banks ARB-Ghana... Established at Bongo in Hayat as he is affectionately 2009, it presently has called, joined Bucobank on three Mobilization Centres July 1, 2005 initially as a 38 Quotes from the Chapter Presidents. at Namoo, Soe, and The Rural Banker interacted with Chief Clerk. He rose Zorkor, all in the Upper through the ranks to some Chapter Presidents of the East Region... Association of Rural Banks (ARB) on the position of General the sidelines of the recently held... Manager. 45 Procrastination: a scientific guide on how to stop it. Procrastination is a challenge we have all faced at one point or another.