The ARB Apex Bank Limited is a “mini”-central bank for the Rural & Community Banks (RCBs). The Bank was registered as a public limited liability company in January, 2000. The shareholders are the RCBs.

It was granted a banking licence in June, 2001 and was admitted to the Bankers Clearing House as the 19th member in August, 2001. The Bank has 11 branch offices throughout the country, which are as follows: Accra, Cocoa House, Kumasi, Sunyani, Bolgatanga, Cape Coast, Takoradi, Koforidua, Hohoe, Tamale and Wa.


ARB Apex Bank is proud to offer eBanking services that allow 24 / 7 access to your account wherever you are.

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Government Securities

The Bank is an authorised Primary Dealer of the Bank of Ghana.

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Cheque Processing

The Bank continues to operate as the central processing centre for all rural and community banks in the country. The Apex Bank guarantees the acceptability of the cheque issued by rural and community banks.

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Celebrating Living Legends

Rural and Community Banking (RCB) is one of the mo...

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Appreciating Dedicated Service

It has been said that a country that does not ...

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TEMENOS Community Forum (TCF) 2019 Highlights - ARB Apex Bank/RCBS Win Best Inclusive Bank Award 2019

The 2019 Temenos Community Forum (TCF) took place ...

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The role of rural banks in Ghana’s future economic development

It is increasingly recognised that we live in a VUCA World, characterized by Volatility, Uncertainty, Complexity and Ambiguity. The Covid-19 pandemic has shown how quickly major economic disruption can occur.

Leading economies suddenly see numerous businesses facing bankruptcy. The dislocation, coupled with the impact of new technology, will accelerate the pace of change. To prepare for the future, we need to explore opportunities and develop new approaches. In the context of Ghana, author of this article, who is the CEO of JCS Investments, is urging the government to collaborate with relevant entities to develop a plan that strengthens rural SME operations.

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Joseph Akossey’s thoughts …How rural banks are driving the growth of MSMEs

The acronym MSMEs denotes Micro, Small and Medium Sized Enterprises.

According to the World Bank, MSMEs play a major role in most economics particularly in developing countries. It further said that MSMEs account for majority of businesses worldwide and are important contributors to job creation and global economic development.


ARB Apex Bank posts impressive performance


Assets of the Bank recorded a significant growth of over 47 percent from GHS394.5 million in 2018 to GHS582.4 million in 2019. This sharp growth was mainly due to growth in deposits and revaluation of the head office building, which value went up by over GHS23.7 million. Deposits also grew by 43 percent from GHS341.2 million in 2018 to GHS488.9 million in 2019.



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