The Ghana Association of Banks (GAB) remains the country’s mouthpiece and advocacy lead for the universal banking industry, currently representing the interests of 24 member institutions (including Development Bank of Ghana (DBG)). It is a not-for-profit organization originally formed to protect the interest and aspirations of its members; and provide a platform for bank-to-bank networking among members. At inception on May 29, 1980, there were seven universal banks in Ghana serving a population of approximately twelve million people. Over the years, membership has evolved; and our member banks have increased in number (currently at 24) mostly arising as a consequence of the economic liberalisation of the country in the late eighties; and partly in line with the economic expansion and population growth of the country.