Ghana Banking Survey 2011
The Ghanaian financial services market offers significant opportunities with the recent oil production, trends in global commodity prices, influx of Foreign Direct Investments and growth in Private Sector activities within the local market.
These trends offer good prospects amidst the perennial challenges like high cost of borrowing and increases in bad loans.
Interest income continues to constitute the most significant component of income derived from operations. In recent years, interest margins are gradually shrinking as competition becomes intense.
A greater focus on a Transaction Based revenue portfolio, which is often unfunded and less prone to default, has to be considered.
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