The Association of rural banks is the Apex body of all rural banks in Ghana. Association of Rural Banks –Ghana, has a membership of over 144 Rural and Community Banks with more than eight hundred and fifty (850) branches.
In 1981 thirty-one (31) Rural Banks came together to form the Rural Bankers Association (the name was later changed to the Association of Rural Banks-Ghana).
In line with the registration of businesses in Ghana, the Association was registered under the Companies Code 1963 (Act 179) as a company limited by guarantee.
By 1985 some of the rural banks were bedeviled with problems tended to erode the benefits of the rural banking scheme which were beginning to be manifested in the few rural banks which were operating satisfactorily.
To address the problems of rural banks, the Association with the support of Bank of Ghana pursued a wide-ranging programme of training for Directors and all levels of rural banks staff – Managers, Accountants, Project Officers and other staff in virtually all areas of banking.
In 1994 the Bank of Ghana withdrew the technical services such as cheque clearing, specie supply and treasury management which it was providing for the rural banks. At this point, the Association had no alternative than to arrange for an institution which could deal with the rural banks in a holistic basis.







To ensure that Rural Banks operate as effective and efficient Rural Financial Intermediaries and to also serve as vehicles for Rural Development and Poverty Alleviation
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