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ADONTEN COMMUNITY BANK LIMITED DATE OF INCORPORATION: The Adonten Community Bank Ltd. was established in August, 1995 commenced operations on 1st April, 1997, and inaugurated on 15th May 1997. VISION AND MISSION STATEMENTS VISION: To be a first-class unit bank serving as the most efficient financial vehicle for the accelerated development of its area of operation. MISSION: To provide adequate, efficient and profit oriented banking services such as mobilization of funds and channeling these funds into Bankable projects and economic ventures in the catchment area thereby contributing to the rapid socio- economic development of the area. Its services are to be provided in the most efficient and satisfactory manner by competent Management and adequately trained and well motivated staff who will show genuine concern to customers needs and strive for excellence in the quality of Banking services. ABOSSO GOLDFIELDS LTD Gold Fields Ghana (GFG) is presently the number one gold mining company and largest gold producer in Ghana, with annual production in excess of 797,000 ounces from its two operating mines at Damang and Tarkwa. Gold Fields Ghana engages about 5,273 employees and 83,167 in indirect employment. The Company is part of Gold Fields Limited (GFL), one of the world’s largest unhedged producer of gold with an attributed annualised production of 2.1 million ounces from six operating mines in Australia, Ghana, Peru and South Africa. The Company’s symbol or totem which is very representative of its nature is the head of the lion. The lion is well known for its loyalty, strength, calmness and yet aggressive, diligence, commitment and strategic intelligence. The values of safety, responsibility, honest, respect, innovation and delivery are the core of Gold Fields’ business and the bases of interactions with communities in which it operates and its stakeholders. AHANTAMAN RURAL BANK LIMITED is one of the leading Rural and community Banks in Ghana established in 1984 to do the business of banking The bank aspires to be and remain the leading rural bank in Ghana meeting stakeholders’ expectations. We will strengthen stakeholder relationship by providing the right solution that combine technologies expertise and financial strength. We will create customer loyalty, shareholders value and employee satisfaction. The Bank currently operates in four districts in the Western Region with a network of twelve connected branches. The head office is at Agona Nkwanta. The bank’s Board of Directors as presently constituted, is made up of 9 highly dedicated development-oriented persons of diverse background. With committed and experienced Management Team and staff, we provide a wide range of services that makes retail banking easier and more convenient than ever. We accept deposits, and provide lending and cash management to our customers. Our Susu Savings and Credit Scheme remain outstanding since 1995, assisting diverse range of economic units across the four districts. The bank operates a trading Subsidiary – Ahabank Co. Ltd that offers consumer credits to its customers and an Outboard Motor Assistance Scheme for fishermen. We offer both foreign and domestic funds transfer such as the Western Union, Moneygram and the Apex Link money transfer. We also manage Donor-Tailored Funds. The Vision of Ahantaman Rural Bank Ltd is to become and remain the preferred financial institution in Ghana offering utmost satisfaction to all its stakeholders AMANANO RURAL BANK LIMITED was established as an answer to help small, medium scale and petty traders to grow, and also to inculcate the habit of savings into the Rural Folks. The Bank was incorporated on 29th March, 1982 and was issued with a certificate to commence Business on 7th September, 1982. The Bank was issued a Banking Licensed Certificate on 21st October, 1983 by Bank of Ghana to operate as a Rural Bank in Ghana. Head Office The Head Office of the Bank is located at Nyinahin in the Atwima Mponua District of the Ashanti Region. The Bank now operates four (4) Branches namely: • Nyinahin Branch, opposite Nyinahin lorry Station • Mbrom Branch, opposite St. Louis College of Education, Mbrom, Kumasi • Afful Nkwanta Branch; opposite Total Filling Station, Kumasi • Bibiani Branch, Adjacent District Police Headquarters, Bibiani- W/R • Tafo Branch, Adjacent Las Palmas Restaurant, Old Tafo, Kumasi Vision Amanano Rural Bank’s Vision is to become the eye opener and pacesetter of Rural Banking in Ghana with strong growth indicators for regulators and competitors to use as a benchmark and for employees to feel proud working with us Our Mission The Bank’s mission is to generate Superior returns to her stakeholders, that is to improve shareholder value, employee motivation and customer care. Our Core Values Amanano Rural Bank’s core values are integrity, professionalism, growth mindedness and continuous improvement. AMANSIE WEST RURAL BANK LIMITED was established and commissioned for operations on 22nd October, 1983 at Antoakrom in the Amansie West District of the Ashanti Region by an interim management committee, with paid up capital of GH¢74.20 Currently, the bank has 9 branches in addition to its Head Office, operating in a computerized environment with 105 regular staff, 80 mobilization clerks and 20 security staff. The Bank is governed by a nine-member Board of Directors with Mr. Isaac Otchere Antwi as the Board Chairperson and management team led by Mr. George Osei Mensah. “To become the most efficiently managed Rural Bank in Ghana” and “To quadrupling our market share in the Ashanti Region by the year 2015’ are our vision and mission statements respectively. AMENFIMAN RURAL BANK LIMITED was established in 1980 to provide banking services to the Communities in which it operates. It was incorporated under the Ghana companies code 1963 (Act 179) and received its certificate to commence business in May 1980 and also licensed under the Banking Act 2004 (Act 673) to engage in the business of banking. Our vision is to be a leading Rural Bank in Ghana providing valuable financial services to our customers Our mission is to be a profitable Bank that provides World Class, Innovative Banking solutions to our customers. Our core values are customer satisfaction and community development and it’s built on Integrity, Customer focus, Speed/ Excellence, People, Passion, Teamwork and constant innovation. ACCRA BREWERY LIMITED A Brief profile of our Company Accra Brewery Limited (ABL), originally known as Overseas Breweries Limited, was registered on 30th June, 1931, for the purpose of establishing a brewing industry in the then Gold Coast. It was the first brewing industry in the whole of West Africa and, indeed, the first non- traditional manufacturing industry in the Gold Coast. On 1st April 1975, the assets of the former Overseas Breweries Ltd. were taken over by the locally registered ACCRA BREWERY LIMITED to pave the way for Ghanaian participation in the business. In 1997, SABMiller plc (then South African Breweries) acquired controlling shares in the company. Today, ABL is a public Company engaged in the manufacture and distribution of beer, sparkling soft drinks and non-alcoholic malt beverages. ABL’s brands include Club Premium Lager, Castle Milk Stout, Stone Strong Lager, Chairman Malt Liquor, Eagle Lager, Club Shandy, Castle Milk Malt, Peroni Nastro Azzurro, Club Cola, Club Muscatella, Club Orange, Club Soda and Club Quinine Tonic. ACCESS BANK (GHANA) LIMITED is a subsidiary of Access Bank Plc, ranked amongst the top 20 banks in Africa by assets and capital. The Bank is reputed as one of the fastest growing in the Ghanaian industry, as evidenced by its recent award for “Best Growing Bank” in addition to phenomenal growth in key performance indicators over the past four years. The Bank leverages on its international network within the Access Bank Group and its geographical reach in Ghana spanning 39 office locations in 8 regions, to offer universal banking services and showcases its expertise in Treasury, Trade Finance and Technology driven banking solutions. As a responsible corporate citizen, Access Bank’s goal is to drive profitable, sustainable growth that is also environmentally responsible and socially relevant. ACTIVA INTERNATIONAL INSURANCE COMPANY ADANSI RURAL BANK LTD Adansi Rural Bank is a Limited Liability Company established in 1980 in line with the Companies Code 1963, Act 179 and operates within the framework and limitations in the manner provided for in the Banking Act 2004, Act 673. The Bank has its headquarters at Fomena in the Ashanti Region which is located about 58 kilometers southwards on the Kumasi- Cape Coast Highway. Fomena, a notable town with a long and distinguished history of traditional authority as the seat of the Omanhene of the Adansi State is also the political and administrative capital of the Adansi North District which was established in 2004. It is also about 22 kilometers eastwards from Obuasi, noted for its leading position in gold mining worldwide. The Bank has seven (7) branches in Kaase, Dunkirk and Atonsu (all in Kumasi), Fomena, Obuasi, Akrokerri, and New Edubiase, a Mobilization Center at Asokwa, in addition to the Head Office at Fomena. The Vision of the Bank is to be the most preferred efficient and effective Rural and Community Bank working to optimize share holder value. The Mission of the Bank is to be among the best three Rural and Community Banks in Ghana in terms of Profitability, Efficiency and Growth through the provision of quality products and customer service using appropriate technology and a highly motivated staff. GHANA INVESTMENT PROMOTION CENTRE (GIPC) 2011 GHANA INVESTMENT PROMOTION CENTRE (GIPC) 2011 90 91

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Page 1: ACCRA BREWERY ACTIVA INTERNATIONAL ADANSI RURAL …...Directors with Mr. Isaac Otchere Antwi as the Board Chairperson and management team led by Mr. George Osei Mensah. “To become

 

ADONTEN COMMUNITY BANK LIMITED

DATEOFINCORPORATION:TheAdontenCommunityBankLtd.wasestablishedinAugust,1995commencedoperationson1stApril,1997,andinauguratedon15thMay1997.VISION AND MISSION STATEMENTS

VISION:Tobeafirst-classunitbankservingasthemostefficientfinancialvehiclefortheaccelerateddevelopmentofitsareaofoperation.MISSION:

Toprovideadequate,efficientandprofitorientedbankingservicessuchasmobilizationoffundsandchannelingthesefundsintoBankableprojectsandeconomicventuresinthecatchmentareatherebycontributingtotherapidsocio-economicdevelopmentofthearea.ItsservicesaretobeprovidedinthemostefficientandsatisfactorymannerbycompetentManagementandadequatelytrainedandwellmotivatedstaffwhowillshowgenuineconcerntocustomersneedsandstriveforexcellenceinthequalityofBankingservices.

ABOSSO GOLDFIELDS LTD

GoldFieldsGhana(GFG)ispresentlythenumberonegoldminingcompanyandlargestgoldproducerinGhana,withannualproductioninexcessof797,000ouncesfromitstwooperatingminesatDamangandTarkwa.GoldFieldsGhanaengagesabout5,273employeesand83,167inindirectemployment.

TheCompanyispartofGoldFieldsLimited(GFL),oneoftheworld’slargestunhedgedproducerofgoldwithanattributedannualisedproductionof2.1millionouncesfromsixoperatingminesinAustralia,Ghana,PeruandSouthAfrica.TheCompany’ssymbolortotemwhichisveryrepresentativeofitsnatureistheheadofthelion.

Thelioniswellknownforitsloyalty,strength,calmnessandyetaggressive,diligence,commitmentandstrategicintelligence.

Thevaluesofsafety,responsibility,honest,respect,innovationanddeliveryarethecoreofGoldFields’businessandthebasesofinteractionswithcommunitiesinwhichitoperatesanditsstakeholders.

AHANTAMAN RURAL BANK LIMITED

isoneoftheleadingRuralandcommunityBanksinGhanaestablishedin1984todothebusinessofbanking

ThebankaspirestobeandremaintheleadingruralbankinGhanameetingstakeholders’expectations.Wewillstrengthenstakeholderrelationshipbyprovidingtherightsolutionthatcombinetechnologiesexpertiseandfinancialstrength.Wewillcreatecustomerloyalty,shareholdersvalueandemployeesatisfaction.

TheBankcurrentlyoperatesinfourdistrictsintheWesternRegionwithanetworkoftwelveconnectedbranches.TheheadofficeisatAgonaNkwanta.Thebank’sBoardofDirectorsaspresentlyconstituted,ismadeupof9highlydedicateddevelopment-orientedpersonsofdiversebackground.WithcommittedandexperiencedManagementTeamandstaff,weprovideawiderangeofservicesthatmakesretailbankingeasierandmoreconvenientthanever.

Weacceptdeposits,andprovidelendingandcashmanagementtoourcustomers.OurSusuSavingsandCreditSchemeremainoutstandingsince1995,assistingdiverserangeofeconomicunitsacrossthefourdistricts.ThebankoperatesatradingSubsidiary–AhabankCo.LtdthatoffersconsumercreditstoitscustomersandanOutboardMotorAssistanceSchemeforfishermen.WeofferbothforeignanddomesticfundstransfersuchastheWesternUnion,MoneygramandtheApexLinkmoneytransfer.WealsomanageDonor-TailoredFunds.

TheVisionofAhantamanRuralBankLtdistobecomeandremainthepreferredfinancialinstitutioninGhanaofferingutmostsatisfactiontoallitsstakeholders

AMANANO RURAL BANK LIMITED

wasestablishedasananswertohelpsmall,mediumscaleandpettytraderstogrow,andalsotoinculcatethehabitofsavingsintotheRuralFolks.TheBankwasincorporatedon29thMarch,1982andwasissuedwithacertificatetocommenceBusinesson7thSeptember,1982.TheBankwasissuedaBankingLicensedCertificateon21stOctober,1983byBankofGhanatooperateasaRuralBankinGhana.

HeadOffice

TheHeadOfficeoftheBankislocatedatNyinahinintheAtwimaMponuaDistrictoftheAshantiRegion.TheBanknowoperatesfour(4)Branchesnamely:

• NyinahinBranch,oppositeNyinahinlorryStation

• MbromBranch,oppositeSt.LouisCollegeofEducation,Mbrom,Kumasi

• AffulNkwantaBranch;oppositeTotalFillingStation,Kumasi

• BibianiBranch,AdjacentDistrictPoliceHeadquarters,Bibiani-W/R

• TafoBranch,AdjacentLasPalmasRestaurant,OldTafo,Kumasi

Vision

AmananoRuralBank’sVisionistobecometheeyeopenerandpacesetterofRuralBankinginGhanawithstronggrowthindicatorsforregulatorsandcompetitorstouseasabenchmarkandforemployeestofeelproudworkingwithus

Our Mission

TheBank’smissionistogenerateSuperiorreturnstoherstakeholders,thatistoimproveshareholdervalue,employeemotivationandcustomercare.

Our Core Values

AmananoRuralBank’scorevaluesareintegrity,professionalism,growthmindednessandcontinuousimprovement.

AMANSIE WEST RURAL BANK LIMITED

wasestablishedandcommissionedforoperationson22ndOctober,1983atAntoakromintheAmansieWestDistrictoftheAshantiRegionbyaninterimmanagementcommittee,withpaidupcapitalofGH¢74.20Currently,thebankhas9branchesinadditiontoitsHeadOffice,operatinginacomputerizedenvironmentwith105regularstaff,80mobilizationclerksand20securitystaff.

TheBankisgovernedbyanine-memberBoardofDirectorswithMr.IsaacOtchereAntwiastheBoardChairpersonandmanagementteamledbyMr.GeorgeOseiMensah.“TobecomethemostefficientlymanagedRuralBankinGhana”and“ToquadruplingourmarketshareintheAshantiRegionbytheyear2015’areourvisionandmissionstatementsrespectively.

AMENFIMAN RURAL BANK LIMITED

wasestablishedin1980toprovidebankingservicestotheCommunitiesinwhichitoperates.

ItwasincorporatedundertheGhanacompaniescode1963(Act179)andreceiveditscertificatetocommencebusinessinMay1980andalsolicensedundertheBankingAct2004(Act673)toengageinthebusinessofbanking.

OurvisionistobealeadingRuralBankinGhanaprovidingvaluablefinancialservicestoourcustomers

OurmissionistobeaprofitableBankthatprovidesWorldClass,InnovativeBankingsolutionstoourcustomers.

Ourcorevaluesarecustomersatisfactionandcommunitydevelopmentandit’sbuiltonIntegrity,Customerfocus,Speed/Excellence,People,Passion,Teamworkandconstantinnovation.

ACCRA BREWERY LIMITED

ABriefprofileofourCompanyAccraBreweryLimited(ABL),originallyknownasOverseasBreweriesLimited,wasregisteredon30thJune,1931,forthepurposeofestablishingabrewingindustryinthethenGoldCoast.ItwasthefirstbrewingindustryinthewholeofWestAfricaand,indeed,thefirstnon-traditionalmanufacturingindustryintheGoldCoast.

On1stApril1975,theassetsoftheformerOverseasBreweriesLtd.weretakenoverbythelocallyregisteredACCRABREWERYLIMITEDtopavethewayforGhanaianparticipationinthebusiness.In1997,SABMillerplc(thenSouthAfricanBreweries)acquiredcontrollingsharesinthecompany.Today,ABLisapublicCompanyengagedinthemanufactureanddistributionofbeer,sparklingsoftdrinksandnon-alcoholicmaltbeverages.ABL’sbrandsincludeClubPremiumLager,CastleMilkStout,StoneStrongLager,ChairmanMaltLiquor,EagleLager,ClubShandy,CastleMilkMalt,PeroniNastroAzzurro,ClubCola,ClubMuscatella,ClubOrange,ClubSodaandClubQuinineTonic.

ACCESS BANK (GHANA) LIMITED isasubsidiaryofAccessBankPlc,rankedamongstthetop20

banksinAfricabyassetsandcapital.TheBankisreputedasoneofthefastestgrowingintheGhanaianindustry,asevidencedbyitsrecentawardfor“BestGrowingBank”inadditiontophenomenalgrowthinkeyperformanceindicatorsoverthepastfouryears.

TheBankleveragesonitsinternationalnetworkwithintheAccessBankGroupanditsgeographicalreachinGhanaspanning39officelocationsin8regions,toofferuniversalbankingservicesandshowcasesitsexpertiseinTreasury,TradeFinanceandTechnologydrivenbankingsolutions.

Asaresponsiblecorporatecitizen,AccessBank’sgoalistodriveprofitable,sustainablegrowththatisalsoenvironmentallyresponsibleandsociallyrelevant.

ACTIVA INTERNATIONAL INSURANCE COMPANY

ADANSI RURAL BANK LTD

AdansiRuralBankisaLimitedLiabilityCompanyestablishedin1980inlinewiththeCompaniesCode1963,Act179andoperateswithintheframeworkandlimitationsinthemannerprovidedforintheBankingAct2004,Act673.TheBankhasitsheadquartersatFomenaintheAshantiRegionwhichislocatedabout58kilometerssouthwardsontheKumasi-CapeCoastHighway.Fomena,anotabletownwithalonganddistinguishedhistoryoftraditionalauthorityastheseatoftheOmanheneoftheAdansiStateisalsothepoliticalandadministrativecapitaloftheAdansiNorthDistrictwhichwasestablishedin2004.Itisalsoabout22kilometerseastwardsfromObuasi,notedforitsleadingpositioningoldminingworldwide.TheBankhasseven(7)branchesinKaase,DunkirkandAtonsu(allinKumasi),Fomena,Obuasi,Akrokerri,andNewEdubiase,aMobilizationCenteratAsokwa,inadditiontotheHeadOfficeatFomena.

TheVisionoftheBankistobethemostpreferredefficientandeffectiveRuralandCommunityBankworkingtooptimizeshareholdervalue.TheMissionoftheBankistobeamongthebestthreeRuralandCommunityBanksinGhanaintermsofProfitability,EfficiencyandGrowththroughtheprovisionofqualityproductsandcustomerserviceusingappropriatetechnologyandahighlymotivatedstaff.

GHANA INVESTMENT PROMOTION CENTRE (GIPC) 2011

GHANA INVESTMENT PROMOTION CENTRE (GIPC) 20119

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Page 2: ACCRA BREWERY ACTIVA INTERNATIONAL ADANSI RURAL …...Directors with Mr. Isaac Otchere Antwi as the Board Chairperson and management team led by Mr. George Osei Mensah. “To become

NAME : MR. EMMANUEL A. ANKRAH

POSITION : SUPERVISING MANAGER

COMPANY : ANUM RURAL BANK LIMITED

 BANK OF BARODA

(Ghana)Ltd.awhollyownedsubsidiaryofBankofBaroda–India’sInternationalBank,iscomingfromoneoftheprincipalgrowthenginesoftheworldeconomy.BankofBarodawassetupon18thJuly1908byvisionaryMaharajaSirSayajiraoGaekwad–IIIwithBank’sfirstdepositof101goldcoins.Duringit’sover100yearsjourneyBankhasrisentohigherheightsbysurpassingpastchallengingmile-stonesyearafteryear.

Bankhasbeenadjudgedthe“BestPublicSectorBank–2010,2011and2012”inIndia.TheBankcanboastofanetworkofover4500branchesinIndiaandmorethan100branches/officesacrossoverseascontinents.BankofBaroda(Ghana)Ltd.commenceditsoperationinGhanainFebruary,2008withitsfirstbranchatAdabraka,Accra.

Thebank’sgamutofservicesincludingpersonalbanking,corporatebanking,tradefinance,retailloansandremittancefacilities.Thebankisgrowingsteadilywithprofitearningsyearafteryear.Thebank’sphilosophyhasalwaysbeen“customerasbusinesspartner”.Renderingofpersonalised,excellent/delightfulcustomerserviceisBank’sintrinsicstrength.

TheBankexpandeditswingsbyopeningsecondbranchatTema,Ghanaon15thAugust,2012.Bankintendstoopenfewmoreoffices/branchesinyearstocome,likeatKumasi,Takoradietc.Mr.ArvindKumar,ManagingDirectoroftheBank,envisagethisaspartofgeographicalexpansionoftheBankandalsocommitmenttoservethepeopleofthiscountryreachingclosetothem.

BankofBaroda(Ghana)Ltd.hasregisteredsignificantgrowthonmajorfinancialparametersonyearended2012overlastyear’sperformance.

ASANTE AKYEM RURAL BANK LIMITED

AsanteAkyemRuralBankLimitedwasincorporatedandlicensedin1984,tooperatebankingbusiness.TheHeadOfficeislocatedatJuansaintheAsanteAkyemNorthMunicipalityandhaseightagencieslocatedinAsanteAkyemNorth,South,andKumasiMetropolis.Theseare:Konongo,Odumasi,Juaso,Agogo,Juansa,AffulNkwanta,OfoaseandAyeduase.

VISION & MISSION

Our Vision

TogrowtheBanktobeafirstclassleaderincommunitybankingdedicatedtoprotectingtheinterestofthevariousstakeholdersoftheBank.

Our MissionTobeareliableruralfinancialintermediarycapableofmobilizingidlelocalfundstosupportviableeconomicventuresinitsoperationalarea,asawayofpromotinggrowthandimprovestandardoflivingofitsclientsinanefficientandcompetitivemanner,throughavalue-orientedworkforcededicatedtoenhancingshareholders’value.

BARCLAYS

hasoperatedinGhanasince1917andcurrentlyhas75serviceoutletsnationwide;comprising60branches,3Agencies,10PremierLifeCentresand2PremierSuites.Barclaysalsohasover140ATMsspreadacrossthecountry.

BarclaysoffersawiderangeofCorporateandTreasuryproductsandservicestargetedparticularlyatbusinessandcorporateclients.TheretailfunctionofferspersonalproductsandservicestoindividualcustomerswhileextendinglocalbusinessbankingproductsandservicestoSmallandMediumscaleenterprisesandindigenousbusinesses.

Becomingthe‘Go-to’BankinGhanaisourgoalandourpurposeistohelppeopleachievetheirambition–intherightway.Respect,Integrity,Service,ExcellenceandStewardshiparethecorevaluesandbehavioursthatunderlineourpurposeandgoal.

ATWIMA KWANWOMA RURAL BANK LIMITED

Establishedon6thSeptember,1983toprovidefinancialintermediationtoruralandsub-urbancommunities,thebankhassevenbranchesstrategicallylocatedatPakyi,Santasi,OldTafo,NewTafo,Ayigya,AtonsuandAlabar.

ThevisionofthebankistobetheleadingandpreferredruralbankinGhana.Withimprovedoperationalefficiency,thebankrecorded142%growthover2011netprofit.

Asapolicy,AtwimaKwanwomaRuralBankallocatesfundsinitsannualbudgettoundertakecorporatesocialresponsibilities.ParamountamongtheseistheconstructionofamodelseniorhighschoolatPakyiNo.2,atatuneofGH¢450,000.Additionally,ithasinstitutedascholarshipschemesince1999tosponsorthesecondcycleandtertiaryeducationofbrilliantbutneedystudents.Atotalof226studentshavebenefitedfromtheschemeatacostofGH¢145,140.

Withrecognitionfromlocalandinternationalbodies,the189competentemployeesofthebankaspiretosetthepaceforitscompetitorsintheruralbankingindustry.

BENSO OIL PALM PLANTATION LIMITED

BOPPwasjointlyincorporatedinGhanaonJanuary22,1976byUnileverPLCandtheGovernmentofGhana(GOG)asaprivatecompanylimitedbysharestocultivateoilpalmandtoproduceCrudePalmOil(CPO).

Thecompanywasconvertedintoapubliclimitedliabilityin2004withUnileverGhanabeingthemajorityshareholder(58.45%).However,effective25thMarch2011,UnileverGhanasolditssharestoWilmarAfricaLimited.WilmarAfricaLimitedisnowthemajorityshareholderwith76.63%shareholding.

Thenatureofauthorisedbusinessofthecompanyincludes:

• Growingofoilpalmandotheragriculturalproducts.

• Processingofoilpalmfruitstoproducepalmoilandpalmkerneloil

• Dealersandtradinginpalmoil,palmkerneloilandotheragriculturalproducts.

TheBOPPplantationwiththeassociatedpalmoilmillislocatedattheAdum-BansoEstateintheMpohorWassaEastDistrict(nowtheMPOHORDISTRICT)intheWesternRegionofGhanaandis42kmnorthofTakoradi.

Our mission:

TosupplyWilmarAfricaLtdwithpalmoilrequirements,atworldmarketpriceparitywhileupholdingthebestSafety,Health,EnvironmentalandSociallyacceptablepracticesonthePlantations.

Our vision:

TobethemodeloilpalmplantationinWilmarAfricawherebestmanagementpractice(BMP)isnative,productivityishighest,andpeoplehappiest

Our Values:

BensoOilPalmPlantationLtd(BOPP)subscribestothetenetsoftheRoundTableforSustainablePalmOil(RSPO),BestManagementPractice(BMP),andadherestothestrictobservanceofhighstandardsofbusinessethicsandgoodcorporatecitizenship.

BIA-TORYA COMMUNITY BANK LTD

Bia-ToryaCommunityBankLtdwasincorporatedandlicencedtooperateasaBankingentityon24thFebruary1994.TheBankstartedwithsixstaffandnineBoardmembers.TheheadofficeisatBonsuNkwantawiththreeotherbranchedatSefwiBodi,SuamanDadiesoandJuabosoallinW/R.OurvissionistoevolveasamoderndynamiccredibleandeffectivefinancialinstitutioncapableofdeliverycoreruralbankinginGhanaandthemissiontosatisfycustomers/shareholdersthroughefficient,highqualityandinnovativeservice.ThebankcurrentlyhasnineBoardmembersandfifty-fivestaffwithAmosK.FoliastheGM.AboutGHS65,000.00wasspentonsocialresponsibilityin2012andprofitofGHS413,432,055.99wasrecordedasatJune2013Bia-Toryawasranked2ndbracketasper2013ApexE.M.Ureport

AUTO PLAZA LIMITED

“Fromlittleacornsthemightyoaktreegrows”isaquotationthatbestdescribesthephenomenalriseofAutoPlazaLtd,theonlyrecognizeddistributorofHyundaivehiclesinthemainstreamoftheGhanamarket.In2004,anewcompanyAutoPlazaLtd.tookoverthedistributorshipofHyundaibrandvehiclesintheGhanamarketplace.Sincethen,AutoPlazaLtd(APL)hasgrownintooneofthelargest,mostdiversifiedandprofessionalvehicledistributorsinGhana.NotonlycanAPLlayclaimtocreatinganddominatingtheautomobilemarketplace,itcanalsoclaimashavingestablishedHyundaiasthemostrecognisedbrandofvehicleontheGhanamarket.Fromitshumblebeginning,APLhasdevelopedanorganisationandinfrastructurethatnationwide(andcrossborder)providesnotonlythesupplyofsomeoftheworld’smostpopularvehiclesbutalsoalltheperipherals,accessoriesandconsumablesthatarenecessarytoensureanefficient,reliableandprofessionalaftersalesservicessupport.Notedforitsentrepreneurialspirit,flexibility,innovativemarketingapproach,professionalismandrapidreactiontochangingsituations,APLhasnowevolvedintooneofthelargestandindisputablythefastestgrowingvehicledistributorinGhana.

WithnumerousaccoladesthatincludeoutstandingengagementinCorporateSocialResponsibilityactivitiestoaformallyrecognizedexceptionallevelofcustomerserviceandrelations,APLcontinuestoberecognizedforitsexceptionalworkwiththerecentlybestowedawardof“2ndOVERALLBESTCOMPANY”intheGhanaClub100(GC100)forthe100mostrecognizedandelitecompaniesinGhanaandthewinnerofthe“BESTENTRANTCOMPANY.”ThatwasprecededbyaseparateawardfortheBestEntrantCompanyintotheGC100.

ATWIMA MPONUA RURAL BANK LIMITED

AtwimaMponuaRuralBankLimitedhasitsHeadofficeatToaseandsevenagenciesintheAshantiRegionofGhana.ItwasincorporatedinNovember,1984undertheCompany’scode1963(Act179).

Thedominanteconomicactivityisagriculture.Themaintreecropscultivatedarecocoa,coffeeandginger.Foodcropsproducedincludeplantain,maize,vegetablessuchastomatoes,gardeneggsandsweetpotatoesandpepper.

ThevisionofAtwimaMponuaRuralBankLimitedistobetheforemostRuralBankamongequalsinGhana.

Themissionistoprovideaffordable,customizedandqualityfinancialproductsandservices.

BRITISH AMERICAN TOBACCO GHANA

BritishAmericanTobaccoGhanaLimitedisinvolvedinthemarketing,distributionandsellingofcigarettesinGhana.ItwasfoundedbythePioneerTobaccoCompanyLimitedin1952andlaterchangeditsnametoBritishAmericanTobaccoLimitedinMarch,1999.ItcurrentlyoperatesasasubsidiaryofBritishAmericanTobaccoPlc,aglobalmulti-national.

ThecompanyusedtocultivatetobaccoandmanufacturecigarettesonacommercialscaleinGhana.Itnowimportsitsfinishedproductsintothecountry.

Ourbrandportfolioboastsoflocallyandglobally-knownbrandssuchasTusker-theveryfirstmade-in-Ghanacigarettein1954,StateExpress555,Rothmans,LondonandPallMall.

Asaresponsiblecompany,wesupportregulationandarecommittedtoworkingwithallstakeholderstoensurethatafairandworkablelegislationontobaccoispassedandenforcedinGhana.

ANUM RURAL BANK LIMITED

TheBankofGhanalicensedthefirstRuralBankinJuly1976andthenumberofrural/communitybankshavesinceincreased,andcurrentlystandat121.AnumRuralBankLtdwas22ndRuralBanktobelicensedinGhanabytheBankofGhanaandthe6thintheEasternRegion.

The Bank’s Vision

ThevisionoftheBankistobeoneoftheleadingandmostdependableruralbanksinGhana.

Mission

Themissionistoprovidefinancialandnon-financialservicestohelpnarrowthedevelopmentalgapbetweenitsruralcommunitiesandtheurbanareas.

BANK OF BARODA

GHANA INVESTMENT PROMOTION CENTRE (GIPC) 2011

GHANA INVESTMENT PROMOTION CENTRE (GIPC) 20119

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CAL BANK

Harnessingourhighlyskilledprofessionalstaffwhoemphasizethedeliveryofefficientandexcellentcustomerservice,CALBankLimitedcontinuestoprovideabroadrangeofbankingandfinancialproductsandservicestolargecorporations,smallandmedium-sizedenterprises,publicsectorinstitutionsandretailcustomersthroughanetworkof19branchesand53offsiteATMsacrossGhana.

Theseproductsandservicescutacrossretailbankingthroughinvestmentbankingtocorporateandinstitutionalbankingandtoprivatebanking.Ourfinancialofferingsincludeelectronicbankingsolution,businessloans,paymentandaccountservices,deposits,tradefinance,wealthmanagement,leasesandmortgages.

CurrentlythemostinnovativeBankinGhana,CALBankcommencedoperationsinJuly1990,providingworldclassfinancialsolutionstotheGhanaianbankingsector.

Soonafter,ithasblossomedintooneofthemostpreferredpubliclylistedbanks,thustranslatingintowelldocumentedoversubscriptionoftheCALBankSharesduringitsInitialPublicOfferin2004by150percentandagainover300percentoversubscriptionoftheCALBankSharesduringitsprivateplacementin2011.Thisconsequentlyledtothebankmeetingitscapitalizationaheadofthesetdeadline.Withthisconfidence,thebankispoisedtofurthertransformtheGhanaianbankingindustry.

PROFILE OF FAN MILK LIMITED

FanMilkLimited,whichwasincorporatedin1960,istheleadingmanufacturerandmarketeroficecream,yoghurtandicelollies.Wealsocommandasignificantshareofthefruitdrinks’market.

Ourmissionistoproducehighquality,nutritiousandrefreshingproductstoourconsumers.Wehavealsocommittedourselvestotheachievementofexcellenceinallareasofourcorporateendeavours,whilstaddingtostakeholdervalue.OurCompanyisoneofthepioneersthatgotlistedontheGhanaStockExchangein1990,andthegrowthrecordedsinceourlistinghasbeenphenomenal.FanMilkLimitedcurrentlyprovidesemploymentforthousandsofGhanaianseitherasemployees,distributorsorvendors.Withover5,200shareholdersasatDecember2012,weofferdirectemploymenttomorethan590individualsandindirectemploymenttoover10,000peoplenationwide.

Asexemplarycorporatecitizens,wehavecommittedourselvesamongotherstoseveralsocialresponsibilityprogrammesintheareasofEnvironmentandSanitation,Agriculture,EducationandHealth,justtomentionbutafew,andwehavesupportedinstitutionsandactivitiesintheseareasovertheyears.

FIASEMAN RURAL BANK

DrivenbythedesiretocontinuetomaintainaleadershippositioninRuralandCommunityBankinginGhana,Fiasemandelightscustomersthroughtheprovisionofcreativeandinnovativeproductsdeliveredbyhighlycontentedstaff.

TheBankwasregisteredandlicensedbyBankofGhanain1983toprovidefinancialservicesandthusvigorouslypromoteseconomicactivitieswithinitscatchmentareas.WithitsheadofficeatBogoso,andlocatedontheTarkwa-Ayamfuri-KumasitrunkroadinthePresteaHuniValleyDistrictoftheWesternRegion,itoperateswithinanetworkof8branches.

Consistency,growthandincreasingshareholders’valuehasbeenthefocusoftheBankreturning60%onshareholders’fundsandaprofitoutturnof87%in2012.

Overtheperiod,theBankhasmaintainedastrongholdingamongthestrongRuralandCommunityBanksfraternityandforthepast5yearscontinuouslyshowedupasamemberoftheGhanaClub100,abronzemedallistofBusinessandFinancialServicesExcellenceAwardsandamemberoftheAFRACA(AfricaRuralandAgriculturalCreditAssociation).

CITY INVESTMENTS COMPANY LIMITED

CityInvestmentsCompanyLimited(CIC)isalicensednon-bankfinancialinstitutionfoundedin1995byateamoffinancialexpertsandprofessionalmoneymanagers.CICisamemberoftheVanguardGroupofcompaniesandispermittedbyitsregulationstooperateasaFinanceHouseofferingbutnotlimitedto:FundsManagement,BusinessFinance,ConsumerCreditFinance&PersonalLoans,BusinessAppraisal&AdvisoryServices

SHAREHOLDERS Structuresummary:1.VanguardAssuranceCo.

Ltd.40%2.OtherCorporates13%3.Individuals47%

MISSION Tohelpourcustomersbuildrelationshipsthatwillenablethemachievetheirbusinessgoalsthroughproductsandservicesfrom‘theHelpstation’.

CROCODILE MATCHETS GHANA LIMITED

CrocodileMatchets(Ghana)Limited,istheleadingmanufacturerofhighqualitybrandmatchetsandotheragriculturaltoolsinGhanaandtheWestAfricanSub-regionundertheCrocodiletrademark.Sinceitsestablishmentin1968inTeam,theindustrialcityofGhana,CrocodileMatchets(Ghana)Limitedhasconsistentlyliveduptoitmissionofmakinghighestqualitymatchetsataffordablepricesavailabletofarmers.

CrocodileMatchets(Ghana)Limited,asubsidiaryofRalphMartindale&companyLimitedcurrentlyhasastaffstrengthofabout300highlyskilledandexperiencedemployees.

CrocodileMatchets(Ghana)Limitedhasasolidcorporatestatus.Theoperationsofthecompanyexhibitcommitmenttocarefortheenvironmentandnationaldevelopment.OvertheyearsthecompanyhasliveduptoitscorporatesocialresponsibilitiesbyannuallyassistingFarmers’Daycelebrations,supportinghealthandothereventsatboththecommunityandnationallevels.

DALEx FINANCE

isafullyGhanaianownedFinanceHouselicensedbytheBankofGhana.Initsseventhyearasaninstitution,Dalexemploysover500young,highlyqualifiedandexperiencedstaffwhosellsitsproductsnationwide.TheCompanyhasdisbursedoverGH¢300mtoover29,000individualsandCorporateClientsthroughitsbrancheslocatedinallthe10regionsofGhanaexceptCentralandUpperWestRegions.

PRODUCTSDalexFinanceisspecializedinthedeliveryof4differentProductsnamely;

SMEFinancing-(Certificate/InvoiceDiscounting,BridgeLoanFinancing,LPOFinancing,ProjectFinancing,VehiclesandExport/ImportFinancing)

SalaryLoans-ToGovernmentWorkers,SelectedSecurityAgenciesandReputablePrivateSectorCompanies.

FixedDeposits-(Depositfor‘on-lending’)sourcedfromBanks,NonBankFinancialInstitutions,AssetManagementCompanies,InsuranceCompanies,HighNetWorthIndividuals,CreditUnions,andProvidentFunds.

Leasing-Vehicleoperatingleases.

VISIONToberelevant,accessibleandvaluedinthemindsofourStakeholders

MISSIONOurMissionistoaddvaluetoourCustomersbymakingavailableinnovativeandrelevantfinancialsolutionsandexceedorCustomersexpectationsinthedeliveryofourservices.CorporateValuesTeamWork,Passion,AttentiontoDetail,TenacityandInitiative.

ECOBANK GHANA LIMITED

Incorporatedin1989,EcobankGhana(EGH)isasubsidiaryofEcobankTransnationalIncorporated(ETI),theleadingpan-Africanbankingnetwork,withapresencein33countries.EGHhasgrownconsistentlytobecomeoneoftheleadingbanksinGhanaandawell-recognizedbrandwithintheGhanaianbankingindustry.LeveragingontheGroup’sgeographicalfootprintandstrongtechnologyplatform,Ecobankisnotonlydeliveringeffectivesolutionsforitsclientslocally,butalsocontinuestosupportregionaltradethroughsolutionsthatoptimizecustomercashmobilization.EcobankiskeentoexpanditsSMEactivities;hence,therecentmergerwithTheTrustBankGhana(TTB).TTB’sstrongpresenceinthelocalcorporateandSMEsectorsisseenashighlycomplementarytoEcobankleadingroleinretailandcorporatebanking.Ultimately,therationaleistobuildabiggerbank,stronglypositionedtoservethegrowingbankingneedsoftheGhanaianeconomy.

ENTERPRISE LIFE ASSURANCE

EnterpriseLifewasincorporatedintheyear2000withtheinitialshareholdersasEnterpriseInsuranceCompany,alistedgeneralinsurancecompanyinGhana,AfricanLife(nowSanlamSky)aSouthAfricanLifeInsuranceCompanyandtheInternationalFinanceCorporation,thecommercialwingoftheWorldBank.

OurcurrentshareholdingcomprisesofEnterpriseGroupLimited(51%)andSanlam(49%).

Nature of Business

EnterpriseLifeoperatesasaspecialistLifeInsurancecompany,providingaffordableandinnovative,lifeassuranceproductsdesignedtomeettheneedsofourpolicyholdersandgeneralpublic.

Our Vision

Inallourmarkets,ourpedigreewillberecognized,ourstrengthrespected,ourexpertisevaluedandoursolutionssoughtbyallwhodesireanadvantageinlife.

Our Mission

Weprovideallwhocomeintocontactwithustheirdesiredadvantage…becausewearethebestatwhatwedoValues

Friendliness,Trust,Reliability,ExcellenceandProfessionalismBrand

TheEnterpriseLifebrandisbasedontheconceptofthe“Thoroughbred”.

TheThoroughbredisahorseofoutstandingpedigreewithaninherentdispositiontobethebest.Bornofoutstandingparentage,excellenceisjustournature.

Thisendowsuswithsheerpowerandmuscle,anditisthatwhichdrivesustodeliverthequalityserviceandsolutionsourpolicyholders’desireandexpect.Thisiswhyourpolicyholdersconfidentlytestifythat,trulytheyareatanAdvantage.

EQUITY ASSURANCE LIMITED

EquityassuranceLimited(éa)istheGhanaiansubsidiaryofEquityAssurancePlcofNigeria,aCompanywhichpresentlyoperateswithanauthorizedsharecapitalof80MillionUSDollars.EquityAssuranceLtdwasincorporatedinGhanainJanuary2008andinMayofthesameyearopeneditsdoorstounderwritealllinesofGeneralInsuranceBusiness.

OurcorporatevisionistobeoneoftheleadingAfricanInsuranceGroup.OurcorporatemissionistoestablishanInsuranceCompanythatwouldbeareferencepointinexcellentclaimsettlementservices.

Thiswouldbeachievedthroughawell-motivatedworkforce,cuttingedgeofficetechnologyandgoodbusinessethics.

OurcorevaluesareCaring,learning,integrity,creativity,excellentcustomerserviceandpromptness.

ApartfromitsCorporateHeadOfficelocatedinAccra,theCompanypresentlyalsohasbranchesinSpintexRoadinAccra,Tema,Kumasi,Takoradi,KoforiduaandSunyani.Italsooperateover220ContactofficesandAgencyoutletsthroughoutthecountry.EquityAssurancecurrentlyhasPrinceYemiAdetuwoasitsManagingDirector/CEO.CorporateofficeContactAddress:No.48SenchiStreetOffAviationRoadPostOfficeBox16235KIA,AccraTEL:0302769542,770548FAX:0302769592

ENTERPRISE INSURANCE COMPANY LIMITED

EnterpriseInsurancebelievesintherelentlesspursuitofexcellenceandthisisevidentinallwedo.Sinceourestablishmentin1924,wehaveprovidedtheverybestininsuranceservicestoourcherishedclients;supportingthemespeciallyinverydifficultandtryingtimes.Weprovideavarietyofinsuranceproductsandsolutionsthatreflectandaddressthechangingneedsanddemandsofourdiverseclientbase.AtEnterprisewegiveourclientstheassurancethat,whetheryouareahugemultinational,asmallenterprisesettinguporanindividual,ourattentiontodetailissuchthatwewillnotrestuntilwehaveprovidedyouwiththemostcompetitiveandcomprehensiveinsurancesolution(s).Ourreputationforpromptclaimspaymentislegendaryandweprideourselvesonthefactthatforover87yearswehavekeptourcommitmentstoyou,ourcherishedclientsandstakeholders.Itisnowonderthen,EnterpriseInsurancehasbeenratedinthedoubleAcategory,denotinga“veryhighclaimspayingability”onthreeconsecutivetimesbyGlobalCreditRatingofSouthAfrica.

THE ENTERPRISE BRAND

EnterpriseInsuranceisasubsidiaryofEnterpriseGroupLtd,apremierfinancialservicesgroup.OthersubsidiariesareEnterpriseLifeAssuranceCompanyLtd,whichisoneofGhana’sfastestgrowinglifeassurancecompany,EnterpriseTrustees(pensionssubsidiary)aswellasEnterpriseProperties(arealestatesubsidiary).Forourclientsandstakeholdersthisisanassurancethatwearepartofapremierfinancialservicesgroup,withtheabilitytocaterforyourfinancialneedsininsurance,lifeassurance,pensionsorrealestate.ByinsuringwithEnterpriseInsurancewearenotjustinterestedindelightingyouwiththebestinsurancesolutions,wealsoprovideyouconvenientaccesstothewholeoftheEnterpriseBrand.

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GHANA RUBBER ESTATES LIMITED

VISION ModelofexcellenceforthenaturalrubberindustryinWestAfrica,thehighperformingcompanyofchoiceinGhana

MISSION STATEMENT

Weexistto:-Developindustrialrubberplantationwiththehighestyields.➢PromoteOutgrowerplantationsandprovidetechnicalassistancetoguaranteefarmerswithhighyieldsandlowproductioncostsProcesshighqualityNaturalRubberforthedomesticandInternationalmarketsProtecttheenvironmentthroughre-afforestationandeffectiverecyclingofwastegeneratedfromourprocessesDischargeoursocialresponsibilitiestothecommunitiesandotherstakeholdersinaproactivemanner

CORE VALUES

QualityInnovationTeamworkIntegrity,andRespectforallstakeholders

GLICO GENERAL INSURANCE COMPANY LIMITED (GLICO GENERAL)

GLICOGENERALisacknowledgedtobethedynamicindustrypacesetterthatprovidesinnovativeandcustomizedunderwritingandriskmanagementsolutionsforthewidestpossiblerangeofnon-lifeinsuranceneeds.

Sincethestartofoperationsin2006,thecompanyhasbeencommittedtoprovidingmeasuredandhighlyresponsiveinsurancesolutions.Ithasexperiencedandskilledmanagementandstaffwhoworkhardtoachievethedesiredresultsforitsclients.

ThishasplacedGLICOGENERALinauniquepositiontohandletraditionalinsurancecategoriessuchasAccident,FireandMotor,whilecarvingoutanicheforitselfinthemorespecializedbusinessessuchasEnergy(oilandgas),EngineeringandMarineinsurance.Further,ourclient-focusedoperationalmodelenablesustoprovideclientswithproductandexceptionalservicethatdemonstratecuttingedgestandardandconvictionto“cushionthemforlife”.

GLICOGENERALisA-ratedbytheGlobalCreditRatingCompany(GCRC)andtheonlynon-lifeinsurancecompanytoreceivetheBusinessandFinancialServicesExcellenceAwardfor2010-11institutedbytheInternationalChristianBusinessExcellence,Ghana.

FIRST CAPITAL PLUS

FirstCapitalPlus(FCP)isawholly-ownedGhanaianSavings&LoanscompanythatwasestablishedonOctober29,2009withthevisionofbecomingtheleadingproviderofbankingsolutionsinAfrica.FCP’sstrategicfocusistoprovidecustomer-centricsolutionstotheSMEsegmentofthemarket.

InJuly,2012FCPreceivedaprovisionaluniversalbankinglicenseafterbarelythreeyearsinoperationasaSavings&LoansCompany.April,2013statisticsreleasedbytheBankofGhanaindicatesthatFCPisstillthemarketleaderintheSavings&Loansindustryintermsoftotalassetsandtotalcreditwithamarketshareof19%and16%respectively.

FirstCapitalPluscurrentlyhas13brancheswithitsultramodernheadquarterslocatedatCapitalPlazaontheSpintexroad.

GHANA HOME LOANS

Sinceitsinceptionin2006,GhanaHomeLoanshasdisbursedover$100minmortgages,creatinghundredsofnewhomeownersintheprocess.

Ghana’sleadinghomeloansproviderhasplayedapioneeringroleineducatingthemarketonmortgagesandthebenefitsofhomeownership.

RecentachievementsofGHLinclude:

• ReleasedMortgageBorrowerEducationvideo–afreemarketeducationtooltopromotemortgages

• EmbarkedonNationwideMortgageRoadshow–seriesofpresentationsatvariousregionalcapitals

• Newproducts–LaunchedLandPurchaseMortgageand0%depositMortgage

• AwardedPropertyFundingPartner-2011&2012

• OrganizedGhana’sfirstresidentialmortgage-backedsecuritiesconference

• Ranked5th–GIPC’s2012Club100list

GhanaHomeLoansproducts:

• PurchaseMortgage• HomeownersMortgage• RefinanceMortgage• LandPurchaseMortgage• HomeConstruction

Mortgage

GHANA OIL COMPANY LIMITED

GOILwasincorporatedasaprivatelimitedliabilitycompanyonJune14,1960asAGIPGhanaCompanyLimitedwiththeobjectiveofmarketingpetroleumproductsandrelatedproductsparticularlyfuels,liquefiedpetroleumgas(LPG),lubricants,bitumen,andspecialityproductsinGhana.TheCompany’smainbusinessismarketinganddistributionofpetroleumproductsinGhana.ThebiggestchunkofitssalescomesfromthesaleofDieselandGasoline.TheCompanyismannedbyatenmembermanagementteamheadedbytheManagingDirector.Themarketingarmsofthecompanyarerepresentedbyfourzonalofficesnamely:

•ZonalOfficeSouth(Accra)•ZonalOfficeMiddleBelt

(Kumasi)•ZonalOfficeWest

(Takoradi)and•ZonalOfficeNorth

(Tamale).

GOILhasthelargestretailnetworkacrossthecountry.ThecompanyalsohasnumerousconsumeroutletsthroughoutGhana.Theconsumeroutletsincludecompanies,schools,hospitals,factories,hotels,banksandmajorparastatals.Inaddition,thereareanumberofotherretailoutletsestablishedtomarketpremixfuelandkerosenetoruralareas.LPGasfillingplantshavealsobeeninstalledatsomeofthefillingandservicestationsandatotherlocationsinthecountry.

FIDELITY BANK

FidelityBankwasissuedwithitsUniversalBankingLicenseonJune28th2006,makingFidelityBankLimited,the22ndbanktobelicensedbytheBankofGhanaunderthenewBankingAct,2004(Act673).TheBankisownedbyGhanaianindividualandinstitutionalinvestorsincludingADBandSSNIT,andalsobyitsseniorexecutives.

TheBankwasformerlyFidelityDiscountHouse,theleadingDiscountHouseinGhana.Afteroperatingprofitablyfor8years,thebusinessenvironmentinthecountryattractedinvestorstotheideaofestablishingabank.

FidelityBankhasateamofhighcalibreprofessionalswithdiverseskillsandexperience.TheBankhasinvestedheavilyintechnologyandcontinuestoinvestheavilyintrainingtoensurethatitisatparwiththebestintheworld.FidelityBankoffersacomprehensiverangeofproductsandservicestomeetthebankingandfinancialneedsofexistingandpotentialcustomers.

FidelityBankhastwocorporateaffiliates:FidelityCapitalPartnersLimited(FCPL),andFidelityAssetManagementLimited(FAML).

FidelityCapitalPartnersLimited(FCPL)istheleadingventurecapitalandprivateequityfundmanagerinGhanaandmanagestheFidelityEquityFund1.

FidelityAssetManagementLimited(FAML)isanAssetManagementandInvestmentfirm.ThemainobjectiveofFAMListocreatevalueforpersonalaswellascorporateinvestorsbyinvestingintheCapitalandMoneymarkets.TheirexpertiseisinProvidentFundManagement.

VISIONFidelityBank’svisionistobecomeaworld-classfinancialinstitutionthatprovidessuperiorreturnsforallstakeholders

MISSIONTobeamongstthetopfivebanksinGhanabyDecember2013,basedonallkeyperformanceindicators:deposits,fees,qualityofloanbook,costtoincomerate,andanchoredonthreekeypillars-ourpeople,ourserviceandprocesses,andreturntostakeholders.

FIRST ALLIED SAVINGS AND LOANS LIMITED

BackgroundoftheCompanyFirstAllied(“FASL”)wasincorporatedasaprivatelimitedliabilitycompanyonMay24,1995undertheGhanaCompaniesCode,1963(Act179).FASLcommencedofficialbusinessonSeptember25,1996.

FASLwaslicensedbytheBankofGhanainApril,1996asanon-bankdeposittakingfinancialinstitutiontocarryonsavingsandloansbusinessinthecountry.

BackgroundoftheCompanyFirstAllied(“FASL”)wasincorporatedasaprivatelimitedliabilitycompanyonMay24,1995undertheGhanaCompaniesCode,1963(Act179).FASLcommencedofficialbusinessonSeptember25,1996.

FASLwaslicensedbytheBankofGhanainApril,1996asanon-bankdeposittakingfinancialinstitutiontocarryonsavingsandloansbusinessinthecountry.

VISION

“tocreateanexcellentinstitutionandbetheleaderintheprovisionofqualityfinancialservicestothemicroandsmallenterprisesectorinGhana”.

MISSION

“toofferconvenientaccesstoefficient,innovativeandresponsivefinancialservicestothemicroandsmallscaleentrepreneuronasustainablebasisforthemutualbenefitofallstakeholders”.

G4S SECURITY SERVICES (GH) LIMITED

G4SSecurityServices(GH)LimitediscurrentlytheleadingsecurityserviceproviderinGhanaandemploysmorethan5000securityofficersprotectinglivesandpropertiesandrenderingotherspecializedservicestovarioushigh-profiledinstitutions.

G4SprovidesIntegratedElectronicSecuritySolutionstoourclientsontheAfricancontinent.Equippedwith50yearsofglobalexperience,G4Sisatrustedpartnertoreduceriskwithinyourenvironment.

RenderingspecializedservicesthatrangefromRiskManagementtoturnkeyIntegratedSecuritySolutions,G4Sprovidestailormadesolutionstosuiteachclient’ssecurityneeds;G4Srendersservicestovariousindustries;Mining,Oil&Gas,Aviation&Ports,DiplomaticMissions,HospitalitiesandFinancialInstitutionstonameafew.

G4SGhanaisheadquarteredinLabone,Accraonthe#31,SecondLaboneStreetwiththefollowingbranchofficesin:

• Tema• Takoradi• Tarkwa• Kumasi

Currently,Mr.StevenBarryisG4SGhana’sManagingDirector,joiningtheteaminJune2013.Mr.Barryencompassesover20yearsofexperienceandknowledgeinthesecurityindustrycoupledwithBusinessDevelopment.

GHANA COMMERCIAL BANK

GhanaCommercialBankLtd.startedin1953astheBankoftheGoldCoasttoprovidebankingservicestotheemergingnationforsocio-economicdevelopment.TheBankwastoprovidespecialattentiontoGhanaiantraders,businesspeopleandfarmerswhocouldnotelicitsupportfromtheexpatriatebanks.

In1957,whenGhanaattainedindependence,BankofGhanawasestablishedastheCentralBankwhiletheBankoftheGoldCoastwasrenamedGhanaCommercialBanktofocussolelyoncommercialbankingservices.SincethenGCBbrancheshavebeenopenedacrossthelengthandbreadthofthenationtappingthepotentialofthe10regionsthatmakeGhana.

TheBankhadbeenwhollygovernmentowneduntil1996whenundertheeconomicrecoveryprogrammepartofthegovernmentownershipwasdivested.Todaygovernmentownershipstandsat21.36%whileinstitutionalandindividualholdingsaddupto78.64%.Fromtheonebranchofthe1950s,GCBnowhasover150branchesand11agenciesthroughoutthecountry.

GCBaboundsinhighqualityhumanresource,whichstandsat2,101asattheendof2009.ThisisremarkablewhenoneconsidersthattheBankstartedwithastaffof27.CurrentlythereareprofessionalsofvariousdisciplineswhoworkintandemtoachievetheobjectivesoftheBank.

GCNET

GCNET,ajointpublic-privatecompany,provideselectronicsolutionsfortradefacilitationandrevenuemobilization.Aspartofitsservices,ithasdeployedtheGhana“SingleWindow”systemfortradeandcustomsclearanceprocesses.

Over40MDAsareconnectedtothesystem(viaane-MDAportal),forvariousprocesses(e.g.issuanceofelectronicpermits,licences,exemptions,generationof“real-time”reports,monitoringoftransactions,transittracking,etc.theseprocessespromoteseamlessprocessingoftradeandcustomstransactionandcustomsrevenueenhancement.

GCNEThasalsodeployedanautomatedsystemfortheGhanaRevenueAuthority,forprocessingdomestictaxassessments,filingandpayments.TheRegistrar-General’sDepartmenthassimilarlybeenprovidedanelectronicsystemfortaxpayerregistration,annualcompanyreturnsfilingandpayment.

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GLICO LIFE INSURANCECOMPANY LTD

GLICOLifeInsuranceCompany(GLICOLIFE),thenGeminiLifeInsuranceCompanyLtd,obtaineditsofficiallicenseon15thDecember1986andstartedoperationsin1987asaspecialistlifeinsurancecompanywithavisiontobringlifeinsurancetothedoorstepofeveryGhanaianhousehold.GLICOLIFE,throughhardwork,dedicationandcommitment,hasovertheyearsgrownanddevelopedintoareputableandresourcefulinsurancecompany.ItisapacesetterintheindustryandthevibrantbrandinlifeinsuranceinGhana.

GLICOLIFEhasdevelopedwellsuitedproductstomeetthelifeinsuranceneedsofthepublic.Includedintherangeofspecially-designedproductsareUniversalEndowmentandMicro-Insurancepolicies.

Someofthehighlypatronizedproductsinclude,theGLICOEnd-of-ServiceBenefit(ESB),GLICOEducationEndowmentPolicy(GEEP),GLICODepositAdministrationScheme(DAS),GLICOGroupComprehensivePlan,GLICODepositors’Life,GLICOFuneralPolicy,AnidasoandEdwaNkosoMicro-Insuranceproductsamongmanyothers.

Glicolifeisconsistentlyrankedamongthefirstfivecompaniessincethe1990’s.

GRAPHIC COMMUNICATIONS GROUP LIMITED (GCGL)

wasformedin1950inthethanGoldCoastbytheDailyMirrorGroupintheUnitedKingdom,withCecilKingJnr.asthefirstheadofthecompany.ItsoriginalnamewasWestAfricanGraphicCompanyLimited.

Thecompanypublisheditsfirstnewspaper,theDailyGraphic,onOctober2,1950,andfolloweditupin1953withtheweeklySundayMirror,nowcalledTheMirror.

Whenin1957theGoldCoastgainedindependencefromBritainandchangeditsnametoGhana.WestAfricaGraphicCompanyalsochangeditsnametoGhanaGraphicCompanyLimited.

In1962,theGovernmentofGhanaacquiredthecompanybyanActofParliamentandturneditintoastatutorycorporationin1971bytheGraphicCorporationInstrument,1971,LI709,inaccordancewiththeStatutoryCorporationsAct,1964(Act232).ThecompanythereforebecameknownasGraphicCorporation.

Inresponsetomarketdemands,thecompanyaddedGraphicSport(1985)andGraphicShowbiz(1998)toitspublications.

Afterbecomingalimitedliability,thecompanycameupwithfourmorepublications:JuniorGraphic(2000),GraphicAdvertiser(2004),GraphicNsempa(2007)andGraphicBusiness(2008).However,thecompanynolongerpublishesGraphicAdvertiserandGraphicNsempa.

Againin1995GraphicledthenewspaperindustryinGhanawithanupgradedversionoftheweboffsetcolourmachine,theHeidelbergHarrispress.

TobeadominantmultimediagroupinWestAfricatellingtheAfricanstory.

Toempowerouraudienceandconsumerseverywherewithauthenticinformationandexcellentproductsthroughvisionaryleadershipandstrongbrand.

HFC BANK (GH) LTD

HFCBank(formerlyHomeFinanceCompany)waslicensedasanapexmortgagefinancinginstitutioninGhana.HFCwasincorporatedonMay7,1990undertheGhanaCompaniesCode1963(Act179)asaprivatelimitedliabilitycompanyandlicensedbytheBankofGhanaasanon-bankfinancialinstitutioninAugust1994.TheCompanycommencedbusinessonDecember2,1991.InOctober1994HFCwasconvertedtoaPublicLimitedLiabilityCompanyandgotlistedontheGhanaStockExchangeonMarch17,1995.

TheobjectiveofHFCthenwastochampiontheoverallprogramdevelopmentandmanagementofanewhousingfinancesystembeingimplementedunderanInternationalDevelopmentAssociation(aWorldBankaffiliate)project.

OnJuly7,1993,HFCincorporatedawhollyownedsubsidiarycompany,HomeFinanceInvestmentFund(HFIF)toundertakethebusinessofaninvestmentcompany.InOctober2001,HFIFchangeditsnametoHFCInvestmentServicesLimited(HFC-ISL)inordertoofferabroaderrangeofinvestmentservices.InAugust1994,HFCestablishedthefirstRealEstateInvestmentTrust-HFCRealEstateInvestmentTrust(HFC-REIT)inthecountry.

OnSeptember17,1996,HFCissuedthefirstcorporatebond(HFCHousingBonds)ontheGhanaStockExchangewithashelfregistrationof$35milliontofinanceforeigncurrencymortgages.InJuly2001,theBankofGhanaissuedHFCwithadeposittakingauthorizationandthenfinallyinNovember2003,theinstitutionwasissuedwithaUniversalBankinglicensethusgainingtheauthoritytooperateasafullBank.ItsnamewasthenchangedtoHFCBank.

IPMC

RatedamongTop10ofGhanaClub100businessesandinits19thyearofsuccessfulbusinessofITproductsdistribution,ITsolutions&training,IPMCisoneofWestAfrica’slargestITcompanieswith400+workforceandfootprinton19locations.Withits$5millionworthoflocalITinventoryand$30mturnover,IPMCisfacilitatingthegrowthofITinfrastructureandservesasmanyas8000+businessesintheregionsupportedby50+suppliersglobally.

IT Products:

WinnerofGovernmentofGhana’s‘TopITHardwareSupplier’award,IPMCisthePremierpartnerofHP,DELL,IBM,ACER,EMC,NETAPP,CISCO,MICROSOFTandotherglobalITvendors.WithexpertiseinITinfrastructuretechnologies,IPMCprovidessupportacrossanEnterpriserangingfromHighEndServer,storagetechnologies,LAN/WANsetupsandenduserdeviceswhetheritbePCs,Laptops,Printers,UPS,etc.IPMCisalsotheAuthorizedServiceCenterforHP,IBM,DELL,ACERandEPSON.

Enterprise Solutions:

IPMCspecializeinbuild,designandmaintenanceofDatacentersandareleadconsultantsforInformationSecurityandBusinessContinuity.WinnerofCIMG’sTopICTcompanyaward,IPMCrunsagoodpracticeinOraclebasedERPsolutionsaswellasMicrosoftTechnologies.CoveringverticalsofGovernment,Banking,Oil,ManufacturingandTrading,IPMChascreatedsuccessfulcasestudiesofitssolutionportfolio.

ITTraining

Theprocessorientedworkculture,afullyautomatedOraclebasedERPsystemandthroughitsnetworkofITLearningCenters,IPMCCollegeofTechnologyisconsistentlyenhancingskillsetsofupto10,000studentseveryyear.FamousforitsProfessionaljoborientedITcourses,IPMCalsopartnerswithGreenwichUniversityofLondonfordegreeprogramsinComputerScienceandBusinessstudies.

IPMCasafoundingmemberofGASSCOMisparticipatinginthefastgrowthofBPOsinGhana.

INTERPLAST LIMITED

istheleadingmanufacturerofUPVC,HDPE,PE/PPCorrugatedandPPRpipes,forbothdomesticandinfrastructuraluseinSub-SaharanAfrica.ThefamilyownedGhanaiancompanywasestablishedin1970inAccra,Ghana.ForovertheyearswehavebeencommittedtocontributingtothesustainableinfrastructuraldevelopmentofGhanaandtheAfricancontinentandassuchwecurrentlyexportourproductstomorethan21Africancountries.WeareproudtoprovideintegratedsolutionsforWater,Construction,Telecom,Agricultural,Miningcompaniesandmanyothersectors.

INNOVATION AND TECHNOLOGY:

Interplasthasinvestedinanultramodernstateoftheartproductionfacilityequippedwiththelatesttechnology.Thishasenabledanincreaseinproductionandintroducednewandinnovativeproductsontothemarket.Wehavenewproductssuchas:

• BarrierandWarningMesh

• HDPEGasDistributionSolutions

• IRClips• SuperStrengthRC• INCORPE/PP

CorrugatedPipes• MosquitoNet• TrunkingNew

Design

IVORY FINANCE COMPANY

Establishedin2000,IvoryFinanceCompanyLimitedisamemberoftheCDHGroup.Thecompanyprovidesawiderangeoffinancialservices,includinglending,guarantees,exportfinancing,financialleasing,collateralmanagement,warehousingandotherlogisticsservices.

IvoryFinancealsoprovidesinvestorstheopportunitytoplacefundswithus,onshort-termbasis,andatcompetitiverates.Thecompany’sstrengthsresideinitsspecializedproductsandservices,targetedatsmallandmedium-scaleenterprises.Thecompanyhasalsorolledoutanumberofinnovativeproducts,suchastheIvoryRapidReceivables(I-RR),andtheIvorySprinter(I-Sprinter),whichofferawiderrangeoffinancialmanagementtools.

IvoryFinanceispoisedtobetheverybestinitsindustry,bybuildingitssuccessonfourpillars:people,products,performance,andpersona.

JISLAH Financial Services Limited (JISLAH)

isamemberofJislahHoldings,adiversifiedfirmwithoperatingsubsidiariesengagedinICT(DigitronixSystemsLimited)andComputerEducation(APTECHComputerEducation)andProperties.JISLAHwasGhana’s3rdFastestGrowingCompanyfortheyear2011andthe75thmemberoftheGhanaClub100inthesameyear.

JISLAHFinancialServicesLimitedwasincorporatedin1995tooperateasaFinanceHouse.ItoperatesunderBankofGhanaOperatingLicensenumberFNB0103.JISLAHisheadquarteredinKokomlemle,offtheRoyaltCastleRoad,Accra.IthasbranchofficesinMakola,TemaandTakoradi.Ithasanetworkofoverfortyemployeesworkinginallfourbrancheswiththeskillandcapacitytoservicethefullrangeofourclients’variedfinancialnecessities.Inmorethan10years,JISLAHhasservedtheneedsofindividuals,small-tomedium-sizedbusinesses,corporate,financialinstitutionsandindividualinvestors,providingthefullrangeoffinancialproductsandservicestheyrequire.Ourfull-serviceofferingincludesInvestmentManagement,Loan-FacilityManagementandAdvisoryServices.Ourmainpillarsofbusinessgrowthare: Project/BridgeFinancing, AutoandAssetFinancing StrategicandCorporateFinancing TradeFinancing. Investments(FixedDeposit)VISIONOurvisionistobecomealeadingfinancialsolutionsproviderintermsofqualityandreliableservicedeliveryandprofitability.MISSIONOurcorporatemissionistoofferexcellentshort-termbridgefinancingandinvestmentopportunitiestoindividualsandinstitutionsandtomaximizestakeholders’interest.

GUARANTY TRUST BANK (GHANA) LIMITED

wasregisteredinOctober2004andobtaineditsuniversalbankinglicensefromBankofGhanaon23rdFebruary,2006.ItisasubsidiaryofGuarantyTrustBankPlc,aforemostbankinNigeriawithaTripleAratingandthefirstindigenouslyownedsub-SaharanbanktobequotedontheLondonStockExchange.

Duetoitsconsistencyinbuildingastrong,profitableandrespectablebrandinGhana,GTBankwithinsevenyearsofoperations,hasgrowntobecomeareferencepointforgoodbusinesspracticesandrolemodelinthefinancialservicesindustry.

IthasbeennamedBankofYeartwice,in2009and2010andemergedwinnerinmajorcategoryawardssinceinception.TheInternationalFinanceCorporation(IFC)alsonamedGTBankastheMostMarketResponsiveGlobalTradeFinanceProgram(GTFP)IssuingBankinAfricafor2010.

GTBankwasrecentlycitedinaKPMGAfrica-wideCustomerSatisfactionSurvey,2012,reportastheMostCustomerfocusedBankinGhana.GTBankislistedonGhanaClub100ListofPrestigiousCompanies.

GUINNESS GHANA BREWERIES LTD

GuinnessGhanaBreweriesLimited(GGBL)istheleadingTotalBeverageBusiness(TBB)inGhanaandtheonlyTBBlistedontheGhanaStockExchange.GuinnessGhanaBreweriesLimitedisaDiageobusiness,theworld’sleadingpremiumdrinksbusinesswithinternationallycelebratedbrandsincludingJohnnieWalker,SmirnoffandBaileys.InGhana,Guinness,MaltaGuinness,StarandAlvaroareaccreditedbySuperbrands,theglobalmeasureofbrandqualityintheworld.Asaleaderintheindustry,GGBLcontinuestoinnovatetrulyiconicbrandssuchasRuutExtraPremiumBeer,thefirstCassavabasedbeerinthemarket.

GuinnessGhanaBreweriesLimitedvisionistobethemostvibrantandlconicbusinessinGhanaby2017.Directly,GGBLemploysmorethan700localpermanentemployeesinitsheadquarters,KaasiintheAshantiRegionandAchimota,intheGreaterAccraRegion.Throughanetworkofitssupplychain,GGBLprovidesskills,technologytransfer,employmentandsustainablecommunityinvestmenttoalmost0.5%ofthetotalnationallabourforce.

Asaleadingemployer,GGBLalsoplayabroaderroleinthebuildingoftheeconomy.ThebusinesswasawardedthefirstBestTaxpayeroftheyear.(Beveragecategory)bytheGhanarevenueauthorityin2011forcontributingthreepercent(3%)oftotaltaxincomeinGhanatogetherwithitsvaluechain.

Since2007,GGBLanditsparentcompanyDiageo,committedtosupportingthedeliveryoftheUNMillenniumDevelopmentgoalonwaterand(EnsureEnvironmentalSustainability)byenablingsustainableaccesstocleandrinkingwaterfor1millionpeopleinAfricaeveryyearuntil2015.

GOLDFIELDS LTD

GoldFieldsGhana(GFG)ispresentlythenumberonegoldminingcompanyandlargestgoldproducerinGhana,withannualproductioninexcessof797,000ouncesfromitstwooperatingminesatDamangandTarkwa.GoldFieldsGhanaengagesabout5,273employeesand83,167inindirectemployment.

TheCompanyispartofGoldFieldsLimited(GFL),oneoftheworld’slargestunhedgedproducerofgoldwithanattributedannualisedproductionof2.1millionouncesfromsixoperatingminesinAustralia,Ghana,PeruandSouthAfrica.TheCompany’ssymbolortotemwhichisveryrepresentativeofitsnatureistheheadofthelion.

Thelioniswellknownforitsloyalty,strength,calmnessandyetaggressive,diligence,commitmentandstrategicintelligence.

Thevaluesofsafety,responsibility,honest,respect,innovationanddeliveryarethecoreofGoldFields’businessandthebasesofinteractionswithcommunitiesinwhichitoperatesanditsstakeholders.

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JUABEN RURAL BANK LTD

wasincorporatedon24thOctober1984asaRuralBankandhassincethenbuiltareputationasoneoftheleadingRuralBanksinGhana.TheHeadOfficeoftheBankislocatedatJuaben,intheAshantiRegionabout30kilometersawayfromKumasi.TheBankwasthe93rdtobeestablishedinthecountryandthe18thtobeestablishedintheAshantiRegion.

SHAREHOLDING/DEPOSITS

TheinitialShareCapitaloftheBankwhichwasGH¢2,213.98,thehighestinthecountrywhentheBankwascommissionedinOctober1984,hasincreasedovertheyearstoGH¢1,106,265.00alongsidewith2,996shareholdersand8,248,847.00sharesasat31stDecember2011.TotaldepositatthesameperiodwasGH¢20,494,511.00

InadditiontotheheadofficeatJuaben,theBankhasagenciesatEjisu,Kwaso,Bonwire,Aboaso,FumesuaaswellasthreebranchesintheKumasiMetropolisnamelyRomanHill,MagazineNewRoadandSepeTimpomu.

Our Vision

• ToalwaysbeamongthebestRuralBanksinGhana.

Our Mission

• Weprovideexcellentfinancialservicestoourcommunitiesthroughtheapplicationofmoderntechnology,innovativeandflexibleproducts,adoptionofbestcustomercareandcreationofsustainableshareholdersvalue.

PRODUCTS AND SERVICES

CurrentAccounts,SavingsAccounts,SusuSavings,Daakye-NtiInvestment,LoansandOverdrafts,ApexLinkMoneyTransfer,WesternUnionMoneyTransfer,Microfinance.

KAASEMAN RURAL BANK LIMITED

TheestablishmentofKaasemanRuralBankLimitedcameasafeltneedfromalargenumberofcocoafarmersinandaroundSefwiKaaseforbankingservicestofacilitate,especially,thepaymentfordriedcocoabeanssoldtotheGovernmentofGhanathroughvariouslicensedcocoabuyingcompanies.KaasemanRuralBankLimitedwasincorporatedonOctober22,1987underGhana’sCompaniesCode,1963(Act179).ThebankwasissuedwithalicensetocommencethebusinessofbankingonNovember2,1987undertheBankingAct,1970(Act339).ThebankwascommissionedonNovember12,1987asthe116thruralbankinthecountry.Itisaserviceproviderinruralfinancialintermediation.Officially,thebankhasitsHeadquarterslocatedatSefwiKaaseintheBiaDistrictoftheWesternRegionofGhanabuthascurrentlybeenannexedtoBerekumintheBrongAhafoRegionbecauseofsomeinfrastructuralproblems.Thebankcurrentlyhassix(6)branchesoftencalledagenciescuttingacrossfouradministrativemunicipalitiesanddistrictsofthecountrynamelyDebiso,YawmatwaandOseikojokromagenciesallintheBiaDistrictoftheWesternRegion.TheothersareBerekumagencyintheBerekumMunicipality,DroboagencyintheJamanSouthDistrictandDormaaagencyintheDormaaMunicipalityallintheBrongAhafoRegion.

CORPORATE VISION

TOBECOMETHEBESTMANAGEDRURALBANKINGHANA.

CORPORATE MISSION STATEMENT

WeareaRuralFinancialInstitutionaimedatprovidingfinancialintermediationthroughtheprovisionofsoundandsecuredbankingforourvaluedcustomersandpayingattractivereturnsonshareholdersinvestment.Wealsohopetoensuretheviabilityofthecompanythroughprudentmanagementpractices,productinnovations,staffmotivationandtrainingandtomeetourtaxandsocialresponsibilitiesinthecommunitiesinwhichweoperate.

KAMA HEALTH SERVICE LIMITED

KamaHealthServicesLimited(KHSL)isaprivatecompanyincorporatedin1983.Itcommencedoperationsin1986carryingonthebusinessofmanufacturing,importingandmarketingpharmaceuticalproducts.KHSLisanindigenousGhanaianPharmaceuticalCompanywhollyownedbyDr.MichaelAgyekumAddo.

Thecompanywhichstartedoperationsfromsmallbeginningasawholesale/retailpharmacyinKumasihasgrowntremendouslyovertheyearstoestablishmajorbranchesinAccra,Koforidua,Takoradi,SunyaniandTamale.Currently,thecompanyemploysover300employeesacrossthecountry.ThroughthesterlingentrepreneurialattributesoftheCEO,Dr.MichaelAgyekumAddoandhiscompetentmanagementteammadeupofexperiencedprofessionals,KHSLhasachievedspectaculargrowthovertheyearsandexpandeditsproductioncapacitytomeetincreasingdemandofitsproducts.

AsamajorplayerintheGhanaianPharmaceuticalindustry,KHSLholdsdistributorshiplicensesforeight(8)majorinternationalpharmaceuticalcompaniesincludingXLLaboratoriesPvtLtd,RafaelSalgado,Riak(Singapore)PteLtd,EliLillyExportSA,GracurePvt,FragronBv,ClonooseLtdandRakGani.Thecompany’swidenetworkofwholesaleandretailshopsnumbering12inallspreadacrossthecountryhasofferedittheopportunityasamaindistributorforthemostofthemajorpharmaceuticalmanufacturersinGhana.Currently,thecompanymarketsoverthreethousand(3000)pharmaceuticalproductsoutofwhich100areitsownbrandsmanufacturedatitsownproductionfacilitiesinAccraandTema.AlltheotherbrandedproductswhichincludeTrexOrixForte,KamacloxMouthwash,OmegaOil,Kamol,DifenSyrupandKamatonecompetefavourablywithbothimportedandotherlocallymanufacturedproductsontheGhanaianmarket.Thehighqualitynatureofthecompany’sbrandswhichisknowntoDoctors,Pharmacistsandconsumersalikehasmadethemthepreferredchoiceinthehospitals,clinics,pharmacies,chemicalshop.

KASAPREKO COMPANY LIMITED

(KCL)isoneoftheleadingandsuccessfulalcoholicandnon-alcoholicbeverageproducersinGhana.Thecompany,whichwasfirstsetupinthegarageoftheownerandbusinessmanDr.KwabenaAdjeiin1989atNunguahasnowgrownintoamultinationalcompanywithstate-of-the-artautomatedfactorylocatedofftheSpintexroad.

OUR MISSION

“Weareamulti-nationaldrinksmanufacturingcompany.Ourbusinessistoproducefirstclassbrandsusingauthentictraditionalblendsandworldclasstechnologyinanenvironmentallyresponsiblemannertosatisfyourcustomerswhilstcreatinglastingvalueforourshareholders.Weareguidedbygovernancestructurethatencouragesorganizationaleffectivenessandmotivatesstafftoachieveexcellence.”

HUMAN RESOURCE MANAGEMENT

Ourdedicatedteamoftopclassprofessionalsmotivatedbyourcorevaluesofrespect,teamwork,commitmenttoconsumersandotherpartners,innovationandefficiencyinouroperationsensurethatwearealwaysastepbeyondexcellence.KCLiscommittedtothetraininganddevelopmentofitsstaffandaspartofourperformancemanagementsystem,ensurestherearepersonaldevelopmentplansforeveryemployeewhichisfacilitatedbyourHRDivisionandKasaprekoAcademy.

L’AINE SERVICES LIMITED

L’AINEServicesLimitedistheleadingHRcompanyinGhana;establishedinOctober,1994.L’AINEServicesLtd,operatingfromitsheadofficeinSakumonoandthreebranchesinKumasi,TakoradiandAdabraka,isatotalHRsolutionsproviderofferingservicesinjobplacement,outsourcingofstaff,training,organizationaldevelopment,borderlesstalentsolutions,salarysurvey,careercounseling,interviewgrooming,publishingservices,payrollmanagement,productionofmanagementtrainingvideos,CVpreparationandthepublicationoftheonlyHRmagazineinGhana,aswellasaMarketingandMediamagazine.

Ourmissionistomatchtherightcaliberofpersonneltotherightjobandhelpequippeoplewithpracticalskills,usingproventechniquesandinnovativebehaviouralapproachestohelpboostthesuccessesofbusinesseswithavisionofmeetingHRneedswithexcellenceacrossthebordersofGhana.

Wehaveinthepastyearbeenrecognizedwith19awardsincluding50thbestcompany–Ghanaclub100,CIMGMarketingWomanoftheyear,2011,CIMGPrintAdvertoftheYear,BIDaward-Geneva,9thMostInfluentialPersonalityandVliscoBeyourDreamAward/Ambassador.

LATEx FOAM RUBBER PRODUCTS LTD

LatexFoamRubberProductsLtdwasincorporatedonMarch8,1969toproducequalityfoamproductsfortheBeddingandFurnitureIndustry.

ThecompanyenteredthemarketusingtheDunlopTechnologyunderlicencefromtheDunlopCompanyfortheproductionofitsproducts.ThetechnologygaveLatexFoamthedesiredpushinqualityintherathertraditionalmarketatthetime.Sincethen,thecompanyhasnotrelentedinitseffortstoassertitselfintheFoamIndustry.

In1972,threeyearsafteritsinception,LatexFoamstartedtheproductionofSpringInteriorMattresses.ItisworthmentioningthatboththeInteriorproductionandassemblyoftheunitspringsforthemattressesweredoneonthefactorypremises.

TodayLatexFoamhasstoodthetestoftimeandistheoldestintheindustry.ItisalsotheleadingmanufacturerofqualityFoamproductsinGhanaandWestAfrica.

MISSION STATEMENT

ItisouraimtobetheleadingmanufacturerofqualityFoamproductsinthecountryandsatisfyourcustomersbyprovidingthemwithqualityandinnovativeFoamProductsaswellascaterforthelargersocietywithinwhichweoperate.

WHO WE ARE

WearetheleadingmanufacturersofqualityPolyurethaneFlexibleFoamandSpringMattressesinGhanaandWestAfrica.

Weproducethe“HoneymoonMattress”theleadingandthemostpopularbrandintheMattressIndustryinGhanaandWestAfrica.

LatexFoamcombinesitsstrengthandsolidexperienceofover30yearswithanunparalleledabilityforinnovationtoproduceavarietyofqualityfoamproductstomeetthevaryingtastesofourvaluedcustomers,whichcutsacrosseverysegmentofsocietyirrespectiveofthesocio-economicbackground.

LOWER PRA RURAL BANK

VISION

TobetheleadingRuralBankinthecountrywithCommunityDevelopmentinitscatchmentarea.

LowerPraRuralBankLtdoperatesinfivedistrictsandhaswithinitstwenty-nineyearsofoperationsprovidedbankingservicestotheShama,Axim,Sekondi-Takoradi,Ellembelle,MpohorandWassaEastDistrictsintheWesternRegion.

DEPOSITS

ThebankoffersavarietyofcustomerDepositAccountsnotablySavingsAccount,CurrentAccount,CallAccount,FixedDeposit,NegotiableCertificateofDeposit,EpoNworaba,KeseW)Kan,BonusSavings,EbusuaMflLVieandGyedzi.

ADVANCES

Thebankofferedadvancestoitsnumerouscustomersintheformofsundryloans,grouploans,loanstosalariedworkers,overdrafts,consumergoods,carandbuildingloans.

WOMEN IN DEVELOPMENT (Micro credit and savings scheme)

ThebankaspartnerswithFreedomFromHunger(FFH)ANonGovernmentalOrganisationestablishedtheWomenInDevelopmentProjectin1992.Theprojectestablishedacreditwitheducationprograminthecatchmentareapurposelydesignedtoempowerourruralwomentotackletheproblemofpoverty,hungerandmalnutrition.Womeninterestedinreceivingcreditcometogethertoformcreditwithsavingsassociations(CSA).Thewomeninvestinactivitiesthattheyknowalready.

M & G PHARMACEUTICALS

M&GPharmaceuticalsLtd.,isoneoftheleadinglocalmanufacturersofpharmaceuticalproductsinthecountry.Atpresent,M&GPharmaceuticalsLtd.manufactures78productsnamely–Tablets,Capsules,Syrups/SuspensionaswellasBlisterproducts.MostofthemarefromtheEssentialDrugList&NationalFormularyofGhanapublishedbyMinistryofHealth.TheCustomersofM&GPharmaceuticalsLtd.canbefoundinallonehundredandtwentyeight(128)districtsofGhanawithmajordistributorssituatedintheten(10)regionalcapitals.

CustomersofM&GPharmaceuticalsLtd.includeMinistryofHealth,CatholicHospitals,PrivateHospitals&Clinics,PharmacyShopsandLicensedChemicalShopsthroughoutGhana.

OurmissionistoprovideaffordableandqualitypharmaceuticalproductstothepublicandsupportallhealthserviceproviderstopreventandcureillnessnotonlyinGhanabutalsothroughoutWestAfrica.Ouraimofreally‘MakingQualityDrugsforMillions’necessitatesthefactthatwecovertheWestAfricansub-regionbytheyear2015.

M&GPharmaceuticalsLtd.isanExecutiveMemberofAssociationofGhanaIndustries(AGI),PastVicePresidentofPharmaceuticalManufacturersAssociationofGhana(PMAG)andPastTreasurerofWestAfricanPharmaceuticalManufacturersAssociation(WAPMA),alsoaconsistentmemberoftheprestigiousGhanaClub100proudlysponsoredbyGhanaInvestmentPromotionCentreforthepasteleven(12)consecutiveyears.AssociationsofGhana.M&GPharmaceuticalsLtd.alsosponsorssomeofthemedicalandpharmaceuticalprofessionalstoattendSeminarsandCoursestosharpentheirskillsintheirfield.

MCDAN SHIPPING COMPANY LIMITED

McDanShippingCompanywasestablishedinNovember1999,headquarteredinAccrawithbranchesinTemaandTakoradi,SierraLeoneandLiberia.McDanhaspresenceinover2400majorairandseaportsworldwideduetoitspartnershipwithUniversalFreightOrganisation,LINKandWCA.McDanistrulycommittedtomaximisingproductivityandefficiencybydeliveringuniquelydesignedShippingandLogisticssolutionstobothcorporateandindividualclients.McDanistheleaderininProjectCargoservicesandhasovertheyearsgrownitcoveragetoalmosteveryindustry.ThecompanyisthefirstandonlyFreightForwardingCompanytoobtaintheAirCarrierLicenceinhandlingcharteredcargoflightsinGhanaandcurrentlyhastheGSAforGlobalAviationinWestAfrica.

Vision

ThePremierProviderofTotalShipping&LogisticsServicesinEmergingMarkets.Mission

ToPartnerwithClients&OtherStakeholderstoDeliverEnd-to-EndSupplyChainBestPracticeSolutionsinaTimelySecureManneratCompetitiveRates.

Core Values

ResponsivenesstoOurMarkets&SensitivitytoOurCustomer’sNeeds

SoundPeopleManagement

AQuestforPromptness&EfficiencyinServiceDelivery

ADesiretoMakeitRightFirstTime&DemonstrationofOurCommitment

MECHANICAL LLOYD COMPANY

MechanicalLloydCompanyLimitedisafullyownedGhanaiancompanyestablishedinAugust1970andlistedontheGhanaStockExchangesince1994.ItisanautomobilecompanywhichcurrentlyholdsfranchisesforBMWandFordvehiclesaswellasMasseyFergusonagriculturalmachinery.Ithasheldthesefranchisesfordecades.

MechanicalLloydhastwoofficesinAccrawithitsheadofficelocatedintheSouthIndustrialAreainAccrawithbranchesintheAshantiRegion-Kumasi,WesternRegion-TakoradiandNorthernRegion-Tamale.Thesebrancheshavebeenstrategicallypositionedtotakecareofcustomersacrossthecountry.

ThecompanyisgovernedbyBoardofDirectorswithastrongmanagementteamandhasastaffstrengthofabout180.

ThecorporatemissionofMechanicalLloydistoestablishitselfastheleaderintheGhanaianAutomotiveindustryby:a) Providinggoodquality

productsandservice,competitivelypriced,anddeliveredinthemostcourteousandprofessionalmanner.

b) Securingforitsshareholderstheoptimumreturnontheirinvestedcapital

c) Maintaininganenvironmentwhereitshumanresourceisprovidedwiththeopportunitytodeveloptoitsmaximumpotential

d) Contributingmeaningfullytothewelfareofthecommunityinwhichitoperates,andbringingasenseofresponsibilitytobearonitspoliciesinordertopromotewhatitbelievestobeinthepublicinterest

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MELCOM GROUP OF COMPANIES

consistsoffourseparateentities:MelcomLimited,CenturyIndustriesLimited,CrownstarElectronicIndustriesLimitedandMelcomTravel&ToursLimited.Asidefromconqueringanextensiveretailmarketsharewithanetworkof24retailoutletsspreadalloverGhana(MelcomLimited),theGroupiswell-diversifiedintootherbusinesses.Theseinclude:

• manufacturingofhighqualityplastichouseholdproducts(CenturyIndustriesLimited);

• theassemblyofconsumerelectronicswithafull-fledgedservicecentre(CrownstarElectronicsIndustryLimited);

• operatinganIATA-approvedtravelagency(MelcomTravel&ToursLimited).

TheMelcomGroupprovidesdirectemploymenttoover1,500people–outofwhichapproximately60%arewomen,givinganequalemploymentopportunitytoall.ItalsoprovidesemploymentforGhanaianswithvariousdisabilities,suchasthedeafandpolio-afflicted.

TheCompanyMELCOMstarteditsbusinessasasingleretailshopinAccraCentralin1990.Fromthosehumblebeginnings,therehasbeennostoppingintheCompany’sgrowth,withanaverageofoneshopayearbeingopened,sinceitsinception.Boastingthesinglelargestshopinthenation(MelcomPlusinKaneshie,coveringanareaofover90,000squarefeet),theGroupiscontinuingtogrowataphenomenalratetomeettheneedsofthecountry’scustomers.Withthedeclarationofretailingthelargestvarietyofgoodsunderoneroof(atlastcountover15,000items),MelcomhasindeedbecomeahouseholdnameinGhana,whereeverythingandanythingrequiredtofurnishandrunahome,schoolorbusiness,isreadilyavailable.Withaffordability,variety,uniformpricingandashopineverymajorcityinGhana,wehavecapturedtheheartsofGhanaianstobecometheplace“whereGhanashops”.

TheCharteredInstituteofMarketingofGhanahasalsorecognizedthezealoftheemployeesandmanagementinthissector,byawardingMelcom“BestRetailOutletoftheYear”forseveralconsecutiveyearsandeventuallyinductingtheGroupintothe“HallofFame.”

MULTIPRO PRIVATE LIMITED

MultiproPrivateLimitedsetupofficeinGhanaon20thDecember,2005andisthesoleMarketerandDistributorofIndomieInstantNoodlesinGhana.OurvisionistobecomethelargestFoodDistributionCompanyinGhanawithunsurpassedcustomerservice.MultiproPrivateLimitedisapartofaSingaporeConglomeratecalledtheTolaramGroup(www.tolaram.com)withoperationsinmorethan3continents.CurrentlythecompanyisimportingIndomiefromitsfactoriesinNigeriabuthasalreadypurchasedlandandwillsoonstartmanufacturingIndomieinGhana.MultiproPrivateLimitedinvestsMillionsofCedisinTrainingitsstaffandVehicleswhichhasnotonlymadeIndomieGhana’sno.1brandbutalsoabrandlovedbytheGhanaianchildandwidelyavailableineveryregionofGhana.

Everyyear,IndomiealsoinvestsMillionsintheformofCorporateSocialResponsibilitybypromotingSportsandEducationalProgrammesinallregionsofGhana.IthasalsotakenitslovefortheGhanaianchildfurtherbyinvestingheavilyinprovidingBasicinfrastructuresuchasFencingofSchoolBoundaryWallsandrepairofcertainsectionsofSchoolstomakethemmoreaccessibleandsafeforthechildren.

NEWMONT GHANA GOLD LIMITED

NewmontGhanaGoldLimitedholdstwogoldminingconcessionsintheAhafoandAkyemareasoftheBrong-AhafoandEasternRegionsofGhanarespectively.GhanaisoneoffivecoreoperatingdistrictsforNewmontMiningCorporation,aleadinggoldproducer,whichalsohasotherkeyassetsinNevada,Peru,Australia,NewZealandandIndonesia.

Ourvisionistobethemostvaluedandrespectedminingcompanythroughindustryleadingperformancewhileourmissionistobuildasustainableminingbusinessthatdeliverstopquartileshareholderreturnswhileleadinginsafety,environmentalstewardshipandsocialresponsibility.

AtNewmontGhana,webelievethatourrelationshipswiththecommunitiesinouroperationalareasareinextricablylinkedtothesuccessofourbusiness.We,alongwithourhostcommunities,stakeholdersandpartners,seektocreatesustainabledevelopmentimpactinandaroundouroperationalareathatwillextendbeyondthemine’slifecycleandstrengthencommunityresiliency.

NEW CRYSTAL HEALTH SERVICES

NewCrystalHealthServicesstartedoperationsin2003fromahumblebeginningasafourroomfacilityinAshiamanandcurrentlyoperatessevennetworkedbranchesseeingover300,000clientsyearlywithstaffstrengthofover200.Ourmissionistoprovideexemplaryservicesalongtheentirehealthcarevaluechaintomeetthephysical,emotionalandspiritualneedsofourcherishedclientsandtheirfamilies.OUR VALUES AND BELIEFS

WeatNewCrystalHealthServicesupholdsomeimportantvaluesandbeliefs.

• Ourclientsarethereasonforourexistence;thesatisfactionoftheirneedsisourmainconcernandtheyareallequallyvaluabletous.

• Ourpeoplearethesourceofourstrengthandbestguarantorsofoursuccess.

• Ourservicesaretheendresultofoureffortstowardssatisfyingourclientsandwebelievethatourservicesareareflectionofourselves.

• Asmuchaspossible,wewillhonourandexceedoursocialresponsibilitiestothecommunitiesinwhichweoperateandbeyondbyinvestinginpeople.

STRATEGIC PROJECTIONS

Webelievethatknowledgeislikeabaobabtree;onepersoncannotencircleittotally.Thisisthebasisforourcollaborationwithinstitutionsofresearchandhigherlearningintheareasoforthodox,alternativeandcomplementarymedicinetomakeNewCrystalHealthServicesacentreofexcellenceinservicedeliveryandtrainingofhealthpersonnel.Wearecurrentlythefirstandonlyhealthfacilitygrouptousetechnologytoachieveseamlesspaperlesstransactionsthroughoutthemanagementofourclientsfromouroutpatientdepartmentthroughlaboratory,thedispensary,thelabourwardtothein-patientdepartment

NORTH KANESHIE FOREx BUREAU LIMITED

NorthKaneshieForexBureaulimitedwasincorporatedinMay1991andcommencedbusinessinthesameyearasadealerinforeignexchange.NorthKaneshieForexBureauLimitediswhollyownedby1stAfricanGroupLimited.ThedynamicleadershipofMr.K.TDadzie,coupledwithinnovation,creativityandhonestyofthemanagementteamofthecompanyhasledtoitssteadygrowthandsuccess.ThevisionofthecompanyistoberecognizedastheleadingforeignexchangedealernotonlyinGhanabutintheWestAfricansub-regionandbeyond,offeringinnovative,fastanddedicatedservicetoitsvaluedcustomers.

PROFILE OF NWABIAGYA RURAL BANK LTD

NwabiagyaRuralBankisacommunityownedfinancialinstitutionestablishedin1987andlocatedintheAshantiregion.NRBworksthrougheightoutletsandisregulatedbytheBankofGhana.ItisalsosupervisedbytheARBApexBank(anumbrellafinancialinstitutionownedbytheRuralBanks).NRBisownedbyapproximately5000members(owningabout68%),itsdirectors(9%),management(4%)andGoodwellWestAfricaMicrofinanceCompanyLtdasanexternalinvestor(19%).

NRBwantstoconsolidateitspositionasaleadingRuralBankintheprovisionofCompetitiveandaffordablefinancialservicesinanincreasinglycompetitiveenvironment.

TheBank’sbranchesareatBohyen,SagoeLane,Magazine,Anwiam,Bompata–intheKumasiMetropolis.Abuakwa(intheAtwima-NwabiagyaDistrict)andOffinsointheOffinsoMunicipality,allintheAshantiRegion.Thestaffpopulationstandsat187anda12memberBoardofDirectors.

Ithasafocusoncustomerservice,boostedbyitsownershipstructurewheresomeclientsalsoownitsshares.ItisamongthecheaperandfasterMFIsinitsoperationalareaandhasfairlyhighclientretention.NRBcurrentlyattractsmanysavers,alreadyover110,000,whodepositedalmostGHs37,500,000.Additionally,NRBservedbytheendofMarch2013about13,000creditclients,withanoutstandingportfolioofnearlyGHs25,000,000.

ODOTOBRI RURAL BANK LIMITED

OdotobriRuralBankLimitedwasincorporatedwithSharesin1983asaLimitedLiabilityCompanyandwassubsequentlylicensedtodothebusinessofBankinginthesameyear.

VISION

TobeanAccomplishedGiantintheMicrofinanceIndustryinGhana

MISSION

Toprovideefficientfinancialservicesthroughcustomizedproducts,goodcorporategovernance,wellmotivatedhumanresource,maximizationofshareholders’wealth,consistentapplicationofimprovedtechnologyandbeingsociallyresponsible.

CORPORATE GOVERNANCE

ThepolicydirectionoftheBankrestsinthehandsofaseven(7)MemberBoardofDirectorswithdiverseacademicandprofessionalbackgrounds.TheseBoardMembersareelectedatourAnnualGeneralMeetingstoserveinastewardshipcapacityandreporttoshareholdersateveryAGM.

PARADUA FOREx BUREAU LIMITED

ParaduaForexBureauLimitedwasincorporatedin1993andcommencedbusinessthesameyearasaforeignexchangedealer.Thecompanyiswhollyownedbythe1stAfricanGroupLimited.UnderthestrategicmanagementofitsmanagingDirector,Hon.GiftyAffenyiDadzie(Mrs.),thededicatedmanagementteamhasthroughinnovationandtransparency,transformedthecompanyintoitscurrentstatusastheleadingforexbureauinDansomantownshipinAccraandensuredasteadygrowthinprofitabilityofthecompany.ThevisionofthecompanyistoexpanditsoperationsbyopeningmorebrancheswithinAccraandstrivetoattainexcellencethroughinnovativeanddedicatedservicetoitsvaluedcustomers.

PHOENIx INSURANCE

PhoenixInsuranceisaprivatelimitedliabilityinsurancecompanyincorporatedinGhanain1995,undertheCompany’sCodeof1963(Act179).PhoenixInsuranceisanexperiencedinsurer,operatingafinanciallystrongandstablegeneralinsurancebusiness.Thecompanyhassoundreinsurancearrangements,andleveragesitslocalandinternationalreinsuranceprogrammestounderwritealltypesofgeneralinsurances,atalllevels–fromsmallbusinesstoverybigbusiness.

PhoenixInsuranceiscurrentlycountedamongthetopflightofGhana’smajorleagueofinsurancecompanies.Thecompanyprovidesacomprehensiverangeofinsurances,includingengineering,bonds,motor,fire,accidents,marineandothertailor-madeproducts.Wedelivertocustomersandclientsthroughanexciting,personalizedanddelightfulserviceculture.

Wehavesoughttobuildoursuccessonthevaluesofteamwork,integrity,professionalismandinnovation.AtPhoenixInsurance,wehaveadeepunderstandingoftheissuesfacingourcustomers.Webelieveinofferingmorethanjustinsurance.Ourdedicatedstaffiscommittedtohelpingclientsprotecttheirassetsbyprovidingspecialistinsuranceadvice;flexibleunderwriting,andindependent,on-siteriskmanagementinspectionsandexpertadvice.

AtPhoenixInsurance,weunderstandwhatcustomersareseekingintheirinsurancecompany:atrusted,responsibleandprofessionalorganization,wherecustomersaretreatedwithcareandrespect,andofferedlimitlesschoiceandflexibility.Offeringvalueformoney,personalservice,andademonstratedcommitmenttopromptpaymentofclaimsexplainswhywearetheinsurerofchoiceforournumerouscustomers.

PHOENIx LIFE ASSURANCE COMPANY LTD

AnassociatedbusinessofCDHFinancialHoldings,PhoenixLifeassuranceCompanyLimitedwasestablishedtocaterforthelifeassuranceneedsofindividuals,familiesandcorporatebodies.Firmlysteepedinthelifeofbusiness,PhoenixLifeisnowevenmorefamousforitscoverageofitsbusinessoflife.

Ourvisionistocontinuetogrow,becomingthelifeassurancecompanyofchoiceinGhana.Weprovideafullcomplementoflifeassuranceandinvestmentfocusedproductsandservices,includingpensionplans,childeducationpolicies,funeralpolicies,microinsurance,loanprotectionpolicies,mortgageprotectionplans,grouptermlifeinsurance,groupinsurances,andtravelinsurancepolicies.

Itisnotpurelywhatwedo;itishowwedoitthatcreatestheproverbialunparalleledserviceexperienceforournumerousclients.Ourmissionistoprovideworld-classlifeassuranceandinvestmentservices,throughnewandinnovativeproducts,deliveredwithanexcellentcustomerservice.

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POLY TANKS (ROTATIONAL MOULDED PRODUCTS) GHANA LIMITED

PolyTanksGhanaLimited(RotationalMouldeddivision)isthelargestandleadingmanufacturerofover-headplasticwaterstoragetanksinGhana.WaterisascarceresourceandprudentstorageishasbecomeverycrucialandthisiswherePolyTanksGhanaLimited(RotationalMouldedDivision)playsanimportantrole.PolyTanksGhanaLimited(RotationalMouldedDivision)isdiversifiedwithwidespreadproductrangeandholdsstrongleadershippositionsinGhanaandAfrica.

PolyTanksGhanaLimited(RotationalMouldedDivision)commandsenviablereputationintheGhanaianbusinesssceneforbeingoneoftheleadingproducer’swatertanksinAfrica.PolyTanksGhanaLimited(RotationalMouldedDivision)hasbecomeapacesetterinthePlasticWaterStorageTanksIndustrynotonlyinGhanabutthewholeofAfrica.

PolyTanksGhanaLimited(RotationalMouldedDivision)wasestablishedin1992andthefirsttointroducelargerotationalmouldedwaterstoragetanksintoGhana.PolyTanksGhanaLimited(RotationalMouldedDivision)hasmany“firsts”inproductssuchasdustbins,trafficcones,promotionalkiosks,industrialcontainers,plasticseptictanks,plasticpalletsanddrytoiletsystems.

Thecompanyhasover68%shareofthelocalmarketforitsproductssuppliedtoindustries,privateresidences,governmentinstitutionalhotelsandsoon.PolyTanksGhanaLimited(RotationalMouldedDivision)hasastronginstitutional,consumerandexportcustomerbase.

PolyTanksGhanaLimited(RotationalMouldedDivision)employsacustomerfocusedapproachwithaimstobuildlong-termrelationshipwithitscustomers.

PBC LIMITED

TheCocoaIndustryhasbeenthebackboneoftheGhanaianEconomythroughitscontributiontotheeconomyoftheCountryintermsofforeignexchangeearnings,Governmentrevenues,employmentcreationandpovertyalleviation/reductionandextensionofdevelopmentprojectsandsocialservicestofarmers.Exportsaccountfor30%oftheCountry’sGDPwithAgriculturecontributingaround40%ofexportearnings.Cocoaisthelargestcontributortotheseearningsprovidingupto75%ofit.Cocoaoffersdirectemployment(Farmers,FarmLabourers,etc)toovertwomillionpeopleandindirectemployment(SupporttotheIndustry)ofbeyondthreemillion.Ghanaremainstheworlds’secondlargestproducerofcocoawiththebestqualitywhichearnsapremiumpricefromitssaleontheinternationalmarket.

VISION AND MISSION STATEMENT

PBCLimitedhasthevisiontodevelopandmaintainthecompanyasthemostattractivedealerincocoa,sheanutandothercashcropintheWestAfricasub-region.Thisistobeachievedthroughthepurchaseofhighqualitycocoa/sheanutsfromfarmers,prepare,storeandensurepromptdeliveryofthegradedandsealedstockstodesignatedTakeOverCentersinthemostefficientandprofitablemanner.

PROVIDENTLIFE ASSURANCE COMPANY LIMITED

ProvidentLifeAssuranceCompanyLimitedwasincorporatedinFebruary2006andstartedwritingbusinessinSeptember2007.ThecompanyiswhollyownedbyProvidentInsuranceCompanyLtd.

VISION

OurstrategicvisionistobecomethelifeinsurerofchoiceintheGhanaianmarketprovidingfinancialsecuritytoindividuals,familiesandbusinesses.

MISSION

• Betheguaranteedqualitylifeassurancecompanyandkeepeverypromisewemaketoourcustomers.

• Industryleaderintheprovisionofefficientservicesandofferinginnovativelifeproductsatcompetitiveprices.

• Viewourselvesaspartnerswithourcustomers,understandingtheirneedsanddesigningsolutionstomeetthoseneeds.

• Putmorevalueonouremployeesthrougheducationaltrainingandcontinuousprofessionaldevelopment.

PRUDENTIAL BANK LIMITED (PBL)

PrudentialBankLimited(PBL),anindigenousGhanaianbank,hasoperatedintheGhanaianbankingindustryforover12years.PBLhasledthestrategictrailinexportdevelopmentandprojectfinancing,dominatingtheSMEsegmentandespeciallytargetingthenon-traditionalexportsector.

Overtheyears,PBLhasexpandeditsretailservicesandadoptedaselectivedevelopmentofitscoreactivities.ThemainareasofitsoperationsareInternationalBanking,ProjectFinance,SMEFinancing,e-BankingServices,InternationalMoneyTransfer,FundsManagementandDomesticBanking.

TheBankhasthirty-one(31)networkedBranchesandAgenciesinAccra,Tema,Kumasi,CapeCoast,TakoradiandTamale.

PBLaimsatexpandingacrossthecountry,bringingitsspecialbrandofbankingtothedoorstepofitscustomersandthegeneralpublic.

QUALITY LIFE ASSURANCE COMPANY LIMITED

QualityLifeAssuranceCompanyLimited(QLAC)wasincubatedbyQICsince1996asacompositecompany.QLACwasthenadepartmentofferingtheusuallifeproductssuchasEndowmentandMortgageProtection.In2007,thisdepartmentinresponsetothenewInsuranceActof2006,(Act724)metamorphosedintoafullyfledgedCompanywhichwasincorporatedundertheCompany’sCodeof1963(Act179)onthe23rdOctober,2007andcommencedbusinessonthe26thOctober,2007.QLAChasasitsmajorshareholdertheCatholicBishopsConferencewithotherCatholicDiocesesandindividualsasminorityshareholders

MISSION STATEMENT

ToprovidefirstclasslifeinsuranceproductstomeettheneedsoftheInsuringpublic.

VISIONTobeawellmanaged,financiallysoundandcustomer-orientedLifeAssuranceCompanyinGhana.

STRENGTHS

• AgoodnetworkofBranchesinthecountry

• RenewedcommitmentonthepartofstakeholderstomaketheCompanyvibrant.

• Largeloyalcustomerbase

• Nonbureaucraticandquickresponsetobusinessopportunities

• Largenumberofexpertiseandprofessionalsintheareasofinsurance,actuarialandfinance/accounting.

• Commandsenormousresources,human,material,modernInformationandCommunicationTechnology(ICT)facilitiescoupledwithstrongfinancialbasetocompeteeffectivelyinthenewprivatizedenvironment.

QUALITY INSURANCE COMPANY LTD

Alittleoverfifteen(15)yearsagotheCatholicBishops’ConferenceundertheCompaniesCodeof1963(Act179)incorporatedQualityInsuranceCompanyLtd.TheCompanywaslicensedbytheNationalInsuranceCommissionasacompositeInsuranceCompany.In2006,thenewInsuranceAct(Act724)madeitmandatorytoestablishaLifeCompany(QualityLifeAssuranceCompanyLtd-QLAC)tomanagetheLifeportfolioofQIC.ThismeansthatQICisnowunderwritingonlyNon-Lifebusinesses.Tosatisfythatrequirement,thesoleshareholder,theCatholicBishops’ConferenceofGhanasuccessfullyoffloaded40%ofshareholdingthroughaprivateplacementin2005toindividualsandgroups.Thechangeintheshareholdingstructureandobjectsinthefaceofthenuancesinthebusinessenvironmentdemandedthatthecompanyasserteditselfasaprofessionalinsurerbyprovidinghighqualityinsuranceproductsandservicesspicedwithexcellentcustomercare.IncorporatedatatimewhentheinsurancemarketinGhanawasperceivedtohavebeencapturedbythegiantsintheindustry,manywerethosewhothoughtthatQICcouldnotstandtheturbulencethatcharacterizedtheinsurancemarketandtheGhanaianbusinessterrainingeneral.Fifteenyearson,QICplanstobuildonthesuccessachievedsofarandstrategiesareinplacetoatleastdoublethemarketshare.Withanenhancedcapitalbase,theCompanyispoisedtotakeitsrightfulpositionasamajorplayerintheGhanaianinsurancemarket.

MISSION

QualityInsuranceCompanyLimitedisinexistencetoprovidehighqualityinsuranceservicesthroughinnovativeandsuperiorproductscoupledwithexcellenceincustomercare.

VISION

ThevisionofQualityInsuranceCompanyLimitedistobecomealeaderintheinsuranceindustryinGhana

RAMEL BUSINESS SERVICES AND TRAVEL &TOURS

RamelBusinessServicesandTravel&Tourswasfounded12yearsagowiththegoalofbecomingtheleadingconferenceandeventmanagementcompanyinGhana.

UndertheleadershipofthecurrentBoardledbytheManagingDirectorMrAmarteyNuno-Amarteifio,RamelBusinessServiceshasbeenrenamedtheRAMELINTERNATIONALGROUPwithsubsidiariesspecializinginserviceorientedbusinessessuchasConferenceServices,AirlineTicketingServices,CarRentalServices,TourServices,HotelReservationServices,StaffingServicesandEquipmentRentalServices.

RamelInternationalGroupiscommittedtoprovidingprofessionalmanagementsolutionsofthehighestquality.

REISS & CO. (GHANA) LTD

Reiss&Co.,establishedin1863inTheNetherlands,startedoperationsinthethenGoldCoastin1952andlaterbecameReiss&Co(Ghana)Ltd.Today,Reiss&Co(Ghana)Ltdisamulti-divisionaltechnicaltradinghouse,representingfirstclassoverseasmanufacturersthroughitsfivedistinctdivisions,i.e.agriculture,veterinary,pharmaceuticals,computersandsecurityequipmentandmechanicalequipment.WhereapplicabletheCompanydesigns,imports,installsandmaintainsitsproducts.TheCompanyiswellexperiencedinprojectsandworkingwithcorporatecustomers.

AGRICULTURAL DIVISION:

1. ExcelCropcareandAsiaticAgriculturalIndPteLtd(agrochemicals)

2. MerchantmenofBritain(MOB)(agriculturaltools),

3. Tecnoma,UrgentandMerchantmenofBritain(MOB)(agriculturalequipmentandsprayingmachines)

4. Lummus(cottonginneryequipment),

VETERINARY DIVISION:

1. FortDodge(veterinaryvaccines),

2. Dopharma(veterinarydrugs),

3. FrankWright(veterinaryfeedingredients),

4. IQF(veterinarydrugs)PHARMACEUTICAL DIVISION:

1. Merck,SharpandDohme,EliLillyandSanofi-Aventis

(allbrandedpharmaceuticalsincludingantidiabetics,antimalariaproducts,antiAIDSproducts,etc),

INFORMATION TECHNOLOGY DIVISION (REISS INFORMATION SYSTEMS):

1. DELL,IBM,Fujitsu,OKI,andPrintronics(computersandprinters),

2. CISCO(networkingproducts),

RLG COMMUNICATIONS LIMITED

RlgCommunicationsLimited,theleadingGhanaiancomputerandhandsetmanufacturingcompanyisoneofthefirstindigenousAfricancompaniestoassemblelaptops,desktopsandmobilephones.Thecompanyismodeledtogeneratemass,high-skilledemploymentforthousandsofAfricanyouthandmeettherisingdemandforcomputersandotherICTdevices.

Besidestheproductrange,RlgisalsoengagedincapacitybuildingandtrainingprogrammesincollaborationwithGhana’sMinistryofYouthandSportsthroughtheGhanaYouthEmploymentEntrepreneurialDevelopmentAgency(GYEEDA)attheRlgInstituteofTechnology.Undertheprogramme,Rlghassuccessfullytrainedover30,000youthinmobilephoneservicing,repairs,assembling,salesandservicedelivery,computerprogramming,hardware,softwareandentrepreneurship.Another30,000arecurrentlybeingtrainedintheapplicationofICTinmobiletelephony.Thesetrainingsareundertakenatmorethan46centresestablishedinGhanaalone.SimilarcentreshavebeenestablishedinNigeriaandtheGambia.

RlgseekstodevelopbestqualitytechnologyintheelectronicproductstheyassembleinGhanaandelsewhere,andtodeliverqualityandvaluetotheircustomers,clientsandotherstakeholders.ThecompanyholdsanOriginalEquipmentManufacturing(OEM)partnershipstatuswithMicrosoft.RlghasofficesinGhana,China,Nigeria,Dubai,Kenya,SouthAfrica,Angola,RwandaandtheGambiawithfaradvancedplanstoexpandintotheentireWestAfricamarketandsubsequentlytotherestofthecontinent.Productsrange:fromlowearn,midearntohighearnmobilephones,desktops,laptopswithourlatestbeingtheuhuruwhichisalaptopandtabletcombined,earpiece,andotheraccessories.

SAHEL-SAHARAN BANK

ProfileofSahel-SaharanBankBanqueSahelo-SahariennePourL’InvestissmentetleCommerce,BSIC(Ghana)whichtranslatesintoEnglishasSahel-SaharanBankforinvestmentandCommerceinGhanaistheresultofthePan-AfricanvisionofleadersandheadsofstateoftheCEN-SADCommunityintowhichGhanawasadmittedin2005.

AmajorobjectiveofBSICacrossSaharanandSub-SaharanAfricaistheestablishmentofnationalsubsidiariesinmembercountrieswiththeobjectiveofcreatinganetworkofsub-regional,regionalandinter-regionalbanksasthefinancialinfrastructureforexpandingcommercialandinvestmentlinksamongtheBSICmemberstatesandotherAfricancountries.VISION

TobecometheBankoffirstchoiceinAfricainBankingServices,TradeFinanceandInvestmentsMISSION

DeliverexcellentandinnovationbankingservicesEmployautomationandcurrenttechnologytodeliver;• Quick• Efficientand• Highqualityservicetoour

clientsUsewelltrained,highmotivated,innovativeandgoalorientedstafftoachieve;• Excellentservicedelivery

and• Technologydrivenproducts

envisagedunderthestrategicplan.

Addvalueandwealthtothebusinessofourcustomersthroughcompetitivepricingandpromptservicedelivery.

Createtangiblebenefitstosocietyascorporatecitizen.

ToimproveonourRiskManagementenvironmentandcapabilitytobettermanageourcredit,operational-&financialrisks,reducecreditprovisionsandachievefullregulatorycompliance.

Toreinforceaperformance-basedcultureinourstaff,underpinnedbyappropriatemotivationalpackagesanddevelopmentprogrammes,withclearlinksalsobetweenactualperformanceandend-of-yearcompensation.

Tocontinuetodevelopa“CostConscious”Mindsetthroughouttheorganizationbypursuingbasedmanagementsystemduringtheperiod.

SAHEL-SAHARAN BANK

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MTN

MTN,theleadingprovideroftelecommunicationsservicesinAfricaandtheMiddleEast,enteredtheGhanaianmarketfollowingtheacquisitionofInvestcomin2006.MTN’soverridingmissionistobeavehicleforGhana’seconomicgrowthanddevelopment,helpingtopromoteGhana’sstrongdevelopmentpotentialfromtheprovisionofworldclasstelecommunicationsproductsandservices,throughtoinnovativeandsustainablecorporatesocialinvestmentinitiatives.

PROVIDING A DISTINCT CUSTOMER ExPERIENCE

MTNisthemarketleaderintheincreasinglycompetitivemobiletelecommunicationsindustryinGhanawithovertwelve(12)millionsubscribers,andofferingitsvaluedcustomersarangeofexcitingproductsandservicesunderPayMonthlyandPayAsYouGooptions.MTN’snetworkcoverageisextensive,coveringall10regionalcapitals,majorcitiesandmanyruralandremoteareas.Thecompanycontinuestoinvestheavilyininfrastructuretoexpanditscoverageandcapacityacrossthecountry.

MTN’sbusinessacrossits22footprintsisgovernedbyfivevalues-Leadership,Innovation,Relationships,IntegrityandaCan-Dospirit.ThesevalueshavecontributedtoMTNevolutionastheleadingplayerinemergingmarketsofAfricaandtheMiddleEast,withatotalglobalsubscriberbaseofover200million,servingapopulationunderlicenseofover500millionpeople.MTNdeliversuniquelydesignedcommunicationsolutionsandisfocusedonprovidingexcellenttelecommunicationsservicesacrosstheAfricancontinentunderthephilosophyofimprovingaccesstoeconomicempowerment.

Thecompanyunderstandsthatthebestwaytogainacompetitiveedgeinalocalmarketistoofferdifferentproductsandservicescustomizedtosuitlifestylesandexpectations.AvitalserviceofMTN’soperationsisMTNBusiness,whichprovidesdatasolutionsandappropriateITinfrastructuretosmall,mediumandlargescalebusinessestoenablethemdeliverup-to-speedefficiencyintheiroperations.

STANDARD CHARTERED BANK, GHANA.

StandardCharteredBankGhanaLimitedhasbeeninoperationsince1896,whenitwasknownastheBankofBritishWestAfrica.TheBankis80%ownedbyStandardCharteredPLC,andtheremainderofthestockisownedlocallyandtradedontheGhanaStockExchange.

WearetheoldestbankinGhana,andrankedconsistentlyamongstthetopthreebanks,locally.Weprovideawiderangeofservicesintheconsumerandcorporateandinstitutionalbankingsectors,includingcomprehensivetradefinance,cashmanagementservicesandforeignexchangeproductsthroughourtreasuryoperations.Wehave21branchesandtwoagencieslocatedinthemainregionsofthecountry.

Thesearefullycomputerizedandnetworked,withautomatedtellermachinesarelocatedatmostbranches.

CorporateandinstitutionalbankingservicesareprovidedinthreemainlocationsinAccra(coveringTema,KumasiandTakoradi).ThecurrencyofGhanaistheCedi(SWIFTCodeGHC),whichisallowedtofloatagainstallcurrencies.

STAR ASSURANCE COMPANY

StarAssuranceCompanyLimited(“StarAssurance”)isaprivatelyownedInsuranceCompanyincorporatedinAugust1984andlicensedtocarryoutcorporateandretailinsurancebusinessesinGhana.ItcommencedinApril1985.

Starwhichstartedbusinessasacompositecompanyhadtohire-offitsoperationbysettingupasubsidiarycompany,StarLifeAssurance,incompliancewiththe2006InsuranceLawAct724.

StarAssurancecurrentlywritesonlygeneralbusinessproductsincludingMotor,Fire,Marine,Aviation,Accident,TravelInsuranceetc.

Withintwentyeight(28)yearsofitsoperations,StarAssurancehasemergedasbiggestindigenousprivateinsuranceenterpriseintermofassetsandthesecondbiggestindigenousprivateenterpriseintermofpremiumincome.

TheCompanyhasfifteen(15)branchofficesinseven(7)outoftheten(10)regionalcapitalwiththeremainingthree(3)servicedbyourAgencyoffices.WethereforehaverepresentationinalltheregionsofGhana.

Thecompanyhasan“A”ratingbyGlobalCreditRatingofSouthAfrica.Thisconfirmsourcompany’sclaimspaymentability.

Presently,StarAssuranceisthelargestprivateInsurerinPremiumIncomeinGhana.

TheCompany’svisionaryleadership,ardentquesttomeetcustomers’needs,prudentunderwriting,heavyinvestmentsinthetrainingofitsHumanResourceandITinfrastructurearesomeofthekeyfactorsthataccountsforthegrowthandstability.

SUMA RURAL BANK LIMITED

THEPROFILEOFSUMARURALBANKLIMITEDSumaRuralBankLimitedwasestablishedonthe9thofNovember,1981atSumaAhenkrointheBrongAhaforegionofGhana.TheBankcurrentlyhassixbranchesandtheoperations(HeadOffice)whichcoordinatesactivitiesofalltheagencies.TheBank’soperationsspanacrossfourdifferentdistrictsinthecountrywhichincludesJamanNorth,JamanSouth,BerekumMunicipalityandtheTainallintheBrongAhafoRegionofGhana.

CORPORATE VISION

TobeamongthebestmanagedRuralBanksinGhana.

MISSION STATEMENT

TobeoneofthetopRuralBanksinGhanabygivingthestaffadequatetrainingandmotivation.MeetingallthestatutoryrequirementsofBankofGhana,renderingsatisfactorycustomerservices,payingattractivereturnsonshareholdersinvestmentsandlastbutnottheleast,carryingoutinnovationsinourproductsbytheyear2013.

SIC LIFE COMPANY LIMITED

IncompliancewiththenewInsuranceLaw2006,Act724,theLifeDivisionofthereputableSICInsuranceCompanyLimitedbecameSICLifeCompanyLimited(SICLife)in2007andcontrolsthelargestshareoftheLifeInsurancemarket.

Ourvisionistobetheleading,mostdependableandcustomer-friendlyLifeInsuranceCompanyinthecountry.

Thecompany’smissionisacommitmenttoemployingahighlymotivatedandefficientworkforcetoofferinnovative,value-pricedlifeinsuranceandotherfinancialproductswhilstensuringoptimalreturnstotheshareholders.

Withitssolidfinancialbase,coupledwithhighlymotivatedandexperiencedhumanresource,SICLifeiswellpositionedtomaintainitsdominanceoftheLifeInsuranceMarketthroughinnovativeproducts,excellentcustomerservice,prudentmanagementandsoundtechnicalpractices.

SOUTH AKIM RURAL BANK

TheBankissituatedintheEasternRegionofGhanawiththeHeadOfficeatNankeseabout7.5kmfromSuhum.TheBankwascommissionedon2ndNovember,1984.Effectiveoperationsstartedon13thJune,1986afterobtainingthecertificatetocommencebusiness.TheBankhasnowestablishedsix(6)agenciesinfourMunicipalitiesoftheRegionnamely:• NankeseHeadOffice:

SuhumMunicipalityopenedin1984.

• SuhumAgency:SuhumMunicipalityopenedin1987.

• KoforiduaAgency:NewJuabengMunicipalityopenedin1993.

• AsamankeseAgency:WestAkimMunicipalityopenedin1995.

• AdoagyiriAgency:Nsawam-AdoagyiriMunicipalityopenedin2006.

• OsenaseAgency:WestAkimMunicipalityopenedin2009.

TheoperationsoftheBankhavebeenfullycomputerizedandalltheagencieshavebeennetworked.

TheBankhasovertheyearsgrownthrougheffortsatmobilizationofDeposits,Shares,expansionofCreditandqualityinvestmentmadeinbothcapitalandhumanresources.

TheBankhasbeenselectedamongsttheprestigiousGhanaClub100Companiesintheyears2002,2004,2005andwasadjudgedthe21stMemberoftheClubandtheFastestGrowingCompanyinGhanafortheyear2008.In2009,theBankwasadjudgedthe25thMemberoftheClubandthehighestrankedRuralBankintheClubfortheyear.TheBankagainwasadjudgedthe20thMemberoftheClubandthehighestrankedRuralBankintheClubforthesecondconsecutivetimein2011and33rdMemberin2012.

SG-SSBMISSION STATEMENT

SG-SSB’smissionistocreatethepreferredbankinginstitution,whichemploysprofessionalism,teamspiritandinnovation,andtoprovidequalityproductsandservicesthatbestsatisfytheneedsofitscustomers.

HISTORY OF SG-SSBSG-SSBLimited(SG-SSB),formerlySSBBank,wasincorporatedonFebruary7,1975as“SecurityGuaranteeTrustLimited”.Itwasfoundedin1975asaprivatelimitedliabilitycompanytoprovidebankingservicesfortheGhanaianmarket,withSSNITasitssoleshareholder.In1976,thenamewaschangedto“SocialSecurityBankLimited”or“SSB”andreceivedalicensetooperateasabankinthatsameyear.Itbeganbankingoperationsin1977.

THE BANKS BUSINESS SG-SSBisauthorizedandlicensedtocarryoutthebusinessofbankingtocorporatecustomers,individuals,andsmallandmediumscaleenterprises.Itprimarilyprovidesretailbanking,andbusinessbankingproductsandservices.Otherservicesincludecorporatebanking,investmentbanking,specializedfinancingactivitiessuchasFinanceLeasing,StructuredFinanceandconsumercredits.

STANBIC BANK GHANA

StanbicBankGhanaisamemberofStandardBankGroupofSouthAfricathatwasincorporatedin1999.Itiscurrentlyatier-onebankwithanetworkoftwenty-six(26)branchesand63ATMs.

In2011,EMEAFinancemagazinevotedStanbictheBestInvestmentBankinGhanaaddingtoalistofindustryrecognitionsincludingtheGhanaClub100NumberOneCompanyandtheGhanaClub100LeaderinFinancialServicesawardsof2008and2010respectively.

Atthe2012BankingAwards,StanbicwastheFirstRunner-upinfourcategoriesnamely:BestBankinCompetitivePricing,BestBankinMobileBanking,BestBank-MediumTermLoanFinancingandBestBank-FinancialPerformance.

TheBankledaconsortiumofbankstosealanunprecedentedloansyndicationdealwithMTNGhanainvolvingGHS440millionandUSD60millionin2012.

StanbicBank’sGlobalMarketUnitistheleaderinthesaleoftheSouthAfricanRandinGhanaandalsotradesinallthemajorinternationalcurrencies,includingtheChineseYuan.

TOTAL PETROLEUM

TotalPetroleumdistributes/marketspetroleumproductsandisamajorplayerinthebitumen/aviationfuelbusinesses.ItistheonlyISO9001:2008compliantOMCinGhanaandhaspioneeredseveralinnovations,drivenbychangingconsumertrends.TOTALrecentlyintroducedanewservicestationconcept,whichisECO-friendly.TOTALpioneeredtheelectronicfuelcardinGhana.ItintroducedTOTALEFFIMAXhigh-performancefuelsforhigh-performancevehiclesandlaunchedtheTOTALQUARTZ4X4lubricantfor4X4vehiclesinGhana.

Itson-goingroadshowprogrammeseducateresidentsandschoolsalonghighwaysonroadsafety.TheRidgeandKorle-buHospitalshavebenefitedfromTOTAL’sdonationofequipmentandrehabilitationprojects.SchoolsindeprivedcommunitiesalsobenefitfromeducationalcampaignsagainstMalaria.TOTALsponsorseducationalprojectswhosebeneficiariesincludepre-school,Junior/SeniorHighSchoolsandtertiaryinstitutions.

TOYOTA GHANA COMPANY LIMITED

ToyotaGhanaCompanyLimitedwasestablishedin1998whenMarubeniCorporation,JapantookoversomeAssetsinthethenGhamotCompanyLimitedundertheGhanaGovernmentDivestitureProgramme.ToyotaGhanaCompanyLimitedisthesolerepresentativeofToyotaMotorCorporation(TMC)ofJapanauthorizedtodealinToyotaproductsinGhana.Consequently,ourprincipalactivityisthesaleanddistributionofnewToyotavehiclesandSparePartsandtheprovisionofAfter-Salessupportforthevehicles.Currently,wehavefive(5)branchesinGhana-Accra,Kumasi,AccraBodyCareShop,TemaandTarkwawithstaffstrengthofabout470.Foraffiliates,wehavefour(4)AuthorisedServiceShops:AnsuareCompanyLimitedinTamale,KwansaAutoLtdinTakoradi,GercoAutoVenturesinHoandCapeCoastTechnicalInstituteinCapeCoast.

Ourannualturn-overfor2010wasGH¢137.81million,thatof2011wasGH¢155.57millionand2012was229,80million.

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TROPICAL CABLE AND CONDUCTOR LIMITED

TropicalCableandConductorLimitedwasestablishedin1997tomeetthegrowingdemandforcablesandconductorsinGhanaandtheWestAfricansub-region.Thecompanystartedwith7employeesandovertheyearshasgrownto130employeesincludingmorethan40engineersandtechniciansfromamodernfactorylocatedinTema.

TropicalCableandConductor’sremarkablegrowthisembellishedbyanumberoffirsts.

Onincorporationin1997,itbecamethefirstwhollyGhanaianownedmanufacturerinthistechnologicallychallengingarea.

In2003,thecompanywasthefirstcablemanufacturingcompanytobelistedintheprestigiousGhanaClub100(alistingofGhana’stop100companies).TCCLhascontinuedtofeatureregularlyonthelist.

In2004,thequestforexcellenceincablemanufacturingwasfurtherenhancedwiththecertificationofthequalitymanagementsystemtotheinternationallyacclaimedISO9001QualityManagementSystemsCertification.Again,TropicalCableandConductorLtd.wasthefirstcablemanufacturerinGhana(andpossiblyinWestAfrica)toachievecertification.

In2010,TCCLlaunchedtheTropicalSaintAnthonyFoundation.ThisfoundationprovidesscholarshipstoneedystudentsadmittedtoundergraduateprogramsintheUniversityofGhana.ThereisaspecialemphasisonyoungladiesstudyingScience.TCCLmaintainsprocurementsystemsthataimatsupportingindigenoussmallscalebusiness.InthenextdecadethecompanyintendstoincreasetheeffortsandconsolidateitsvisionofbecominganAfricanIndustrialGiant.

In2011,weincreasedourmanufacturingcapacitywithexpandedproductrangebyinvestingintheconstructionofanultra-modernproductionhallwiththelatestGermanmademachinery.Itwillbecommissionedbytheendofthisyear.

InthenextdecadeweintendtoincreaseoureffortsandconsolidateourvisionofbecominganAfricanIndustrialGiant.

UNIBANK GHANA LIMITED

UniBankGhanaLtdwasincorporatedasaprivatecompanyinDecember1997tooperateasauniversalBank.Itawholly-ownedGhanaianandauthorizedtoundertakeabroadrangeofbankingservices.ThebankopeneditsdoortocustomersinJanuary2001.

VISION

“TobetheleadingandpreferredBankofferingcomprehensivefinancialsolutionstoourchosencustomers(SMEandPersonalBankingmarkets)inaprofessional,caringresponsiveandprofitableway”.

MISSION

• Providethebestvalueforourcustomers

• Createanexcellentworkingenvironmentforouremployeedevelopmentandgrowth

• Enhanceshareholdervalue

• Besociallyresponsivetoourcommunities

UPPER AMENFI RURAL BANK LIMITED

UpperAmenfiRuralBankLimitedwasincorporatedasaLimitedLiabilityCompanyundertheCompaniesCode,1963(Act.179)inAugust,1987withtheHeadOfficeatAnkwawsointheWesternRegionofGhana.

Themainobjectiveofestablishingthebankwastoassisttheruraldwellersinthecatchmentareatocleartheirfarmers’cheques,andalsotoinculcatethehabitofsavingsinthem.Initsearlydaysofoperation,thefortunesofthebankimprovedduetothehighprofitsderivedfromtheAkuafochequespurchased.

However,withthecollapseoftheAkuafoChequesSysteminthelate1990’s,thebankstartedtofacesomechallenges.

From2000onwards,TheManagementofthebankshiftedemphasisfromAkuafoChequespurchasestomicrofinanceandcommercialbanking,andthishelpedtoraisetheperformanceofthebank.

Since2001,thebankhasconsistentlybeingrankedamongthesatisfactoryruralbanksinthecountry.

ThemainproductsofthebankareMicroFinance(grouploans),TraditionalLoans,SavingsAccounts,CurrentAccounts,TimeDeposit,ApexLinkMoneyTransferandWesternUnionMoneyTransfer.

TheBankcurrentlyoperatessixAgencieswhichcutacrosssixDistrictsnamely,WasaAmenfiWest,SefwiWiawso,SefwiBibiani–Anhwiaso-Bekwai,SefwiAkontombra,UpperDenkyiraWest,andUpperDenkyiraEast.

UPPER MANYA KRO RURAL BANK LTD

UpperManyaKroRuralBankwasincorporatedasalimitedliabilityCompanyin1982andgrantedlicensetooperatein1984.TheHeadOfficeisatAsesewaintheEasternRegion.(B) BRANCHESTheBankcurrentlyhassixBrancheslocatedatAsesewa,Somanya,Koforidua,Asokore,SuhumandKloAgogo.

(C)VISIONTobetheleadingRuralBankinGhanawithMicrofinanceasitsfocus

(C) OUR MISSIONTopositionourselvesasaruralbankthatmobilizesruralsavingsforruralinvestmentstoimprovestandardoflivingoftheproductivepoor,throughmicrofinance.Toattractandretainhighlyqualifiedstaff,maximizeShareholders’valueandsupportcommunitieswithinwhichweoperate.

(E) ACHIEVEMENTS• GrewSharecapitalform

GHC11,962in2000toGHC1,033,231asatDecember,2012.

• BestRuralBankinMicrofinance.

• FourtimeswinnerofGC100award.

(F) CORPORATE SOCIALRESPONSIBILITY• LibraryComplexforAsesewa

SeniorHighSchool.• Scholarshipforneedy

tertiarystudents.

UT BANK LIMITED

UTBankGhanaLimitedcommencedbusinessasaFinancehousein1997andevolvedfromalendingcompanytoaUniversalBank.ItispubliclyownedandactivelytradedontheGhanaStockExchange.UTBankhaspositioneditselfasalendingbankthatseekstochangethefaceofbankinginGhanathroughfast,efficientandrespectfuldeliveryofproductsandservices.AsoneofthefastestgrowingbanksinGhana,UTBankprovidesinnovativecustomerorientedproductsandservices,focusingprimarily,onthefinancialneedsofsmallandmediumsizedenterprises(SMEs).

ThevisionofUTBankGhanaLtdis“RedefiningBanking”.WhatsetsUTBankapartinthebankingandfinancialservicesindustryisitssolidbusinessstructure,flexibilityandtimelydeliveryoffinancingtoclientsinlessthan48hours,thuscarvinganicheforitselfasthe‘UniqueBankforRealPeople’.

TheBank’smajorshareholdersareUTHoldings,theInternationalFinanceCorporation(IFC),whichalongwithitsassetmanagementcompany,theAfricanCapitalisationFundhavea20.2%holdingandtheGermanDevelopmentCorporation(DEG)witha13.5%holding.TheadditionofIFCandDEGasshareholdershasgivenusmuchleveragebothlocallyaswellassubstantiallyincreasedourrecognitionontheinternationalfinancialmarket.

VANGUARD ASSURANCE CO. LTD.

Establishedin1974,VanguardAssurancewasthepioneerindigenouslyownedinsurancefirminGhana,andhadtostrugglehardtogainafootholdinanindustry,atatimecompletelydominatedbyforeigninsurers.

Ourdemonstratedability,commitmenttohonoringclaims,dedicatedhumanresource,prudentinvestmentdecisionsamongothershavecontributedtotheconsistentgrowthanddevelopmentofthecompanyasacredibleinsurancecompanyinGhana.ApartfromourtraditionalproductsofMotorInsurance,FireInsurance,BurglaryInsurance,AccidentInsurance,Bonds,Engineering,MarineandlatelyOil&Gas.

WearepioneersincustomisingproductssuchasForeign-travel,Familyprotection,Landlord’s,Tenants,Shopowner’s,HonourableProtection,DefaultInsuranceandLadies’KitchenInsurancePoliciesamongothers.OURVISIONistobecomethepreferredhouseholdnameinInsurance

Wapic Insurance Ghana Limited

AsubsidiaryofAccessBankPlc,WapicInsuranceGhanaLimitedhasahistoryofdeliveringefficientandtransparentinsurancesolutionstoitsdiscerningclients.

Thecompanyhasexperiencedphenomenalgrowthfromyeartoyearsinceitstartedoperationsonthe27thApril2009.Attheendof2009,thecompanyrecordedGH¢2.1millionproduction,afeathardlychalkedbyanynewentrantintheinsuranceindustryofGhana.Bytheendof2010,thecompanygrewby122%withanincreasedlevelproductionofGH¢4.8million.theconsistentgrowthofthecompanywithinthetwoandhalfyearsofoperationshascontributedtoourcurrent13thpositionin2011withpremiumincomeofGH¢8.3million,outofthe24Non-LifeInsuranceCompaniesinGhanaintermsofGrosspremiumIncome.

Our Vision:

TobethemostrespectedinsurancecompanyinAfrica

Our Mission:

Settingstandardsforsustainablebusinesspracticesthat;unleashthetalentofouremployees,deliversuperiorvaluetoourcustomersandprovideinnovativesolutionsforthemarketsandcommunitiesweserve.

Our Values:

• Leadership• Excellence• EmpoweredEmployee• PassionforCustomers• Professionalism• Innovation

WapicInsuranceGhanaLimitedunderwritesallclassesofNon-LifeInsurance

WIENCO

Wienco(Ghana)Limitedwasestablishedin1979.Overthepast30years,WiencohasgrowntobecomealeadingnameinGhana’sagriculturalsectorwithoperationscoveringthewholeGhanaWearewellnotedforourdependableandinternationallyacceptableagroinputsandseektoprovidethebestaffordableagriculturalinputsreliably,timelyandefficientlythroughanextensivedistributionnetwork,supportedbytraining,innovationandproductdevelopment.Wiencohasvariouspartnersandsubsidiariesacrossthecountry,notableamongthemareYaraGhanaLtd,MasaraN’arzikiFarmersAssociation,CocoaAbrabopaAssociation,IntegratedTamaleFruitCompany(ITFC),WiencoCottonandVoltaRiverEstatesLimited(VREL)

MasaraN’arzikiFarmersAssociation(“Hausaword,meaning“Maizeforprosperity”):WithitsoperationalofficeinTamaleintheNorthernRegion,theestablishmentofMasaraN’arzikiistosupportsmallfarmersingroupswithimprovedhi-techinputpackagestoincreasetheirproductivityresultinginimprovedincomesforagoodlife.WiencothereforeismakinghugeeffortstoimprovetheproductivityoftheGhanaianmaizefarmerwhoplaysamajorroleinGhana’seconomy.

CocoaAbrabopaAssociation(Akanword,meaning“Cocoaforabetterlife”):isafarmergroupwithamembershipofover16,000seriouscocoafarmersusingCocoaAbrabopaPackagewhichincludesinputslikeSpecialCocoaFertilizerunderthetradename“AsaaseWura”,Fungicides,Insecticides,MatabiKnapsacksprayers.Thepackagealsoincludestechnicaltrainingoncocoaagronomy,businessskillsandsoilfertilitymanagementtrainingtomakesurethatthehighestformofefficiencyisachievedbyusingAsaaseWurafertilizerandotherCRIGapprovedinputsmakingupthepackage.

ZENITH BANK GHANA LIMITED

ZenithBankwasincorporatedApril2005andcommencedbusinessinSeptember2005.Thebankhasan8-memberboard,5-memberexecutivemanagementteamandahighlymotivatedmanagementstaffswiththeskillsandcompetencieswhichhavebeenthebedrockofoursuccessesovertheyears.WealsobelieveourwelldiversifiedandeffectiveBoard,stronginternalcontrolsystemandriskmanagementwillensuresustainableperformanceforthefuture.Inpursuitofourmission,“tocontinuetoinvestinthebestpeople,technologyandenvironmenttounderscoreourcommitmenttoachievingcustomerenthusiasm”,wehavemadebankingeasier,fasterandbetterthananyserviceourcustomershaveeverexperienced.Overtheyears,Zenithhasbecomesynonymouswithinnovation,excellentservicedeliveryandgoodcorporatecitizenship.

UBA

TheobjectiveofUBAGhanaistodemocratizebankingwithexcellentcustomerdrivensolutions.ThebankseekstobringfinancialservicestoamajorityoftheGhanaianpopulaceandmakeitabasicentitlementforall.

UBA(Ghana)LimitedisasubsidiaryoftheUnitedBankforAfricaPLCwhichisoneoftheAfrica’sleadingfinancialinstitutionsofferingservicestomorethan7millioncustomersacross750branchesandover2000ATMsin19Africancountries.

UBAGhanahasafootprintof26fully-networkedbranchesand40ATMs(VISAenabled)spreadacrossAccra,Tema,Kumasi,TakoradiandAflao.

Thebank’svisionistobetheundisputedleadinganddominantfinancialservicesinstitutioninAfrica.WithpresenceinNewYork,LondonandParis,UBAisconnectingpeopleandbusinessesacrossAfricathroughretailandcorporatebankingandourinnovativeAfricaTradePlatform-aseamlesspaymentsandcollectionsinitiativetofacilitateandeasesettlementandencouragetradeacrossAfrica.

AtUBAwehavesetbroadobjectivestocreateaninstitutionthatcompeteseffectivelyintheglobalfinancialmarketplaceinamannerthatshowcasesthebestofAfricanenterprise.OurAfricanGlobalBankaspirationisborneoutofacollectivevisiontobecomethebankofchoicefortransactionsinvolvingAfricansandAfricanBusinesses,andbeingtheleadingproviderofoffshorecorrespondentbankingservicestofinancialinstitutionsandcorporationsinAfrica

GHANA INVESTMENT PROMOTION CENTRE (GIPC) 2011

GHANA INVESTMENT PROMOTION CENTRE (GIPC) 201110

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