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2017 Financial Statement PDF

Savings Account

We recognize your need to save now in order to make future investments. This is why we are offering you a savings account that gives you the opportunity to save and earn attractive interest on your daily balance.

Requirements:

Resident
.1. Completed account opening form
2. Completed mandate card
3. A valid proof of identity of each signatory (current driver’s license, national Id, passport and student Id card for students)
4. Proof of address- utility bill for the 3 previous months/ site visitation report/ certificate of residence/ tenancy agreement
5. Two(2) passport photographs
Non-Resident
1. Completed account opening form
2. Completed mandate card
3. A valid proof of identity of each signatory(current driver’s license, international passport- duly notarized)
4. Proof of address- utility bills for the 3 previous months.
5. Two(2) passport photographs

Zaabuni Account

The product is designed to enable households and individuals to deposit small variable amounts frequently towards the purchase of an asset for the house hold.

  • Account opened in the name of the house hold.
  • Locked boxes deposits at client home
  • Households make deposits in to the locked boxes
  • Contents of boxes collected at agreed regular periods
  • Households qualifies for loan after contributing for a continuous three months
  • Household can access loan to the tune of four (4) times the amount contributed for an agreed purpose such as :
  • Purchase of household appliances
  • Refurbishment of homes
  • Purchase of furniture etc.

Requirements:

Requirements
1. Initial minimum deposit of GHC50.00
2. Two (2) passport size photograph and any recognised identity card to be provided by any members chosen by the household as signatory to the account.

Abii Dahinsheli Account

The Abiidahinsheli account is a unique savings account for children between the ages of 0-17, to cater for their current as well as future needs.

Details:

1. Minimum initial deposit of GHC 20.00 and any amount for subsequent deposits
2. Minimum years to operate before withdrawal shall be 2 years
3. Interest rate shall be paid based on current prevailing annual fixed deposit rate
4. Use of passbooks for transaction records
5. Child accounts opened with the parent as a trustee
6. Child gets full control over accounts when he or she turns 18 years

 

Requirements
1. Birth certificate of the child
2. Two passport size photographs of the child and one for the account trustee/parent
3. recognised identity card (e.g. voters ID,NHIS, drivers licence, travelling passport National id card e.t.c.) of any of the parent /trustee
4. Utility bill or tenancy agreement.

Personal & SME Loans

This is a loan facility designed for individuals, small and medium enterprises (SMEs) and Traders who need funds to solve emergency or pressing needs.

Instant Loans

This is a loan facility designed for individuals, small and medium enterprises (SMEs) and Traders who need funds to solve emergency or pressing needs.

  • The loan shall be a one-time repayment of principal plus interest
  • The repayment duration shall not exceed 2 months
  • It is targeted at non-salary customers
  • Applicant must have an account with the bank for at least 6 months
  • The loan shall be processed within 48 hrs for disbursement

 

Benefits
1. Quick access to loan
2. Flexible repayment terms
3. Free business advisory services
4. Banking services at your door step
5. Flexible security options
Walma Group Loan

Walma group loan is designed for small and medium scale enterprise (SMEs) or group of 5 to maximum of 10 who require additional capital to augment or facilitates their business activities.

  • Repayment period shall be weekly,bi-weekly or monthly
  • The group must operate and undergo training for at least 2 months
  • A minimum of 5 people in a group
  • A maximum of 10 people in a group
Benefits
1. Quick access to loan
2. Flexible loan terms
3. Free business advisory services
4. Banking services at your door stepoor step
5. Flexible security options

Treasury Bills

Treasury bills/notes (T-Bills) are short term money market instruments issued by Bank of Ghana (BOG) on its own account or on behalf of the Government of Ghana (GOG).This is a common method used by governments to borrow money from citizens for development purposes.

What are Treasury Bills/Notes
Treasury Bills/Notes (T-Bills) are short term money market instruments issued by bank of Ghana (BOG) on its own account or on behalf of the government of Ghana (GOG). This is a common method used by governments to borrow money from citizens for development purposes.
Who can buy Treasury Bills
Buying and selling of treasury bills/notes is open to all Ghanaian citizens, institutions and foreign residents in Ghana and abroad.
What are the types of T-Bills Avalaible
With the introduction of the weekly wholesale auction, available instruments will be advertised in the national papers. Currently, the available instruments are the 91 day and 182 day treasury bills, as well as 1 and 2 year notes. These may be purchased with a minimum amount of GH¢500. Treasury bills/notes may be bought on the primary or secondary market.
How do I purchase T-Bills/Notes
You can contact our main branches with two passport sized photos, driver's license, passport or voters ID.
You will fill an application form indicating the amount you wish to buy and type of instrument.

Bonzali as a designated distributor will provide the following administrative services free of charge
1.Forward detail advice slip after purchase
2. Refund on maturity ( subject to your instruction)
3. Roll-over on maturity (subject to your instructions)
4. Make available to you the broad rand of Databank's Research Bulletin on the economy and investments