ADB is a universal bank offering full range of banking products and services in retail, commercial, corporate and investment banking. Its business focus is universal banking with development focus.
n its core banking business, ADB categorizes each customer as falling within one of its Retail, Corporate, SME, Parastatals & Institutional and E-banking segments and uses the following definitions for this purpose:
• Corporate Banking – Corporate Banking provides tailored financial solutions across all key corporate business sectors and utilizes a modern IT platform to ensure efficient and fast delivery of services. ADB has a strong corporate banking presence in a number of sectors including services, building and construction, commerce and finance.
ADB’s corporate banking offers a unique banking experience through continuous product innovation, client-centered products and quality service to corporate institutions. These services and products include syndicated lending, accounts and term deposits, corporate cards, foreign exchange operations (including forwards and swaps), trade and project finance products (supplier finance, contract finance, distributor finance, invoice discounting and trade loan), working capital finance, payroll projects, escrow services, transactional services, cash collection and leasing services.
• Commercial/ SME Banking – ADB’s management considers the Commercial/ SME segment as core to Ghana’s economic development with a high level of growth potential. ADB provides financial solutions to customers through its diversified product range and is continuously developing new products and services for its customers. ADB offers a wide variety of loan products that are tailored specifically to SME businesses in order to meet the needs of customers within this segment. These include short-to medium-term loans to finance working capital needs, equipment acquisitions and expansion of operations, as well as for other purposes.
• Agribusiness Financing – The main focus of ADB is to provide credit facilities for the development and modernization of the agricultural and agro-allied sectors of the Ghanaian economy. This Division focuses on providing financial services to its clients in primary production, agro-processing, agro-export and other agricultural related activities including warehousing, distribution and marketing. The department also works closely with key stakeholders (i.e. MDAs, MMDAs and International Development Agencies) to channel funds and increase access to agricultural credit lines and financing schemes. Some products and services offered by this department include: short, medium and long term loans to customers in the agricultural sector to finance working capital, purchase product input and expand operations.
• Retail Banking
ADB has developed a diversified retail banking product mix, including the provision of traditional and innovative services designed to address the needs of its retail customers. Retail banking offers an evolving privilege banking experience through constant innovation, technology, client-centered products and quality.
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