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One of the key developments in recent years has been the recapitalization exercise, which aimed to strengthen the financial position of banks and enhance their resilience to shocks. This exercise led to consolidation in the sector, with some banks merging or being acquired by stronger institutions. As a result, the banking landscape in Ghana is now characterized by a mix of local and foreign-owned banks, each offering a range of products and services to cater to different customer segments. These services include retail banking, corporate banking, investment banking, and digital banking solutions. The rise of mobile banking and fintech companies has further transformed the banking sector, providing customers with convenient and accessible financial services. The sector faces challenges such as high non-performing loans, cybersecurity threats, and the need to enhance financial inclusion, particularly in rural areas. However, with continued efforts to strengthen regulation, promote innovation, and address these challenges, the banking sector in Ghana is poised to play an even greater role in supporting economic growth and development.
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