Agricultural Development Bank (ADB)

Agricultural Development Bank (ADB) is a government-owned universal bank in Ghana, established in 1965 by Act of Parliament to serve the country's agricultural sector, and now serving retail customers, SMEs, corporates, and agribusinesses nationwide.

Key capabilities include:

• Agribusiness and development financing: agromarketing and input distribution, poultry/livestock/aquaculture and crop-production facilities, soybean value-chain financing, and nucleus outgrower and cooperative group-lending schemes
• Retail banking: current, savings, salary, and student accounts, the Collabo Account for groups and clubs, personal loans (including Payday Plus and pension loans), and premium tiers such as Executive Gold and Executive Platinum
• Business and treasury services: corporate credit (overdrafts, term loans, margin loans), trade guarantees (bid and performance bonds), documentary letters of credit, and foreign-exchange spot trading
• Digital banking and cards: USSD banking via *767#, the ADB QuicNet internet banking platform, a mobile banking app, Visa contactless debit cards, GHLink, E-Zwich, and QUICPAY/GHQR payment options

Available on Web, Android, and iOS.

Target users include Ghana-based retail customers, SMEs, corporate and institutional clients, and agribusiness customers, including diaspora customers using its international money-transfer services (Western Union and UnityLink).

Notable as a state-owned bank, with the Ghanaian government historically holding roughly 51.83% and private shareholders around 48.17%; it operates under Bank of Ghana licensing and SIGA state-ownership oversight, has previously sought listing on the Ghana Stock Exchange, and has been reported to hold a large share of Ghana's bank-industry agricultural lending, across a nationwide network of over 80 branches.