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Risk insured outside Ghana is considered a lost income opportunity, and Ghanaian law and regulations are designed with that in mind. Companies operating in the country are required to insure their risks domestically, or to at least exhaust local capacity before going abroad. However, as economic activity grows in scale and complexity, the size and...

Driven largely by the start of oil production and commodity price increases, the Ghanaian economy has been expanding extremely rapidly in recent years. This growth has been attracting investment and is set to benefit a variety of industries. However, there is widespread consensus that in order to ensure growth remains sustainable and is accompanied...

There are not many attractive options for Ghanaian insurers when it comes to investing – capital markets in the country are small, inactive and provide few choices. However, they are expected to see an improved list of securities and other potential investments in the coming years. As of March 2012 there were 34 companies trading on the Ghana Stock...

THE COMPANY: CAL Bank, formerly CAL Merchant Bank, was incorporated in March 1989 as a private limited liability company. CAL Bank started operations as a local merchant bank in 1990 with the aim of providing international-standard services.

Having gained independence from the British in 1957, Ghana has made dynamic progress over the past 50 years. Nestled between Burkina Faso, Côte d’Ivoire and Togo, the country is known to be one of the friendliest and safest in the region. Political and economic stability are hallmarks of the country, helping to attract people and businesses...

With a sizable group of actors Ghana has an impressively developed financial infrastructure. However, capacity tends to be fragmented as a result, and broader integration of the population into formal financial markets is slow. This is largely due to the opaque nature of credit and high interest rates.