Current financial year
Notice of Annual General Meeting
Shareholders will be notified of the date, time and venue of the AGM by public notice and by post to the address on record. Proxy forms are available at the head office.
Notices & Compliance
Disclosures, reports and public notices
Western Rural Bank Ltd is licensed and supervised by the Bank of Ghana and operates within the rural and community banking network coordinated by ARB Apex Bank PLC. This page carries the disclosures we are required to make to customers and shareholders.
Public notices
Quarterly
Publication of financial statements
Summarised statements of financial position and comprehensive income are displayed in the banking hall in line with Bank of Ghana disclosure requirements.
Ongoing
Transition to Community Bank status
In line with the Bank of Ghana framework guiding rural banks toward fully fledged community bank operations, the Board has adopted a capital, governance and digital-readiness roadmap. Progress updates are reported at the AGM.
Ongoing
Customer due diligence refresh
Customers are requested to update their Ghana Card details, telephone numbers and residential addresses at the branch, as required under the Anti-Money Laundering Act, 2020 (Act 1044).
Dormant account disclosure
An account with no customer-initiated transaction for a continuous period of twelve (12) months is classified as inactive, and after a further twelve (12) months it is classified as dormant. Balances on accounts that remain dormant for five (5) years are transferred to the Bank of Ghana in accordance with section 143 of the Banks and Specialised Deposit-Taking Institutions Act, 2016 (Act 930).
Your money is not lost. To reactivate a dormant account, visit the head office in Sekondi with your Ghana Card and passbook, complete a reactivation form and pass the identity verification checks. Where funds have already been transferred to the Bank of Ghana, we will assist you to file the reclaim.
Governance & reports
Annual Report & Financial Statements
Audited accounts are prepared annually, adopted at the AGM and available on request at the head office.
Corporate Governance Directive
Board composition, tenure, committee structure and fit-and-proper assessments follow the Bank of Ghana directive for RCBs.
Deposit protection
Deposits are protected under the Ghana Deposit Protection Act, 2016 (Act 931), as amended.
Complaints procedure
Report any complaint at the branch or on 020 435 5320. We acknowledge within two working days and resolve within ten. If you are not satisfied, you may escalate to the Bank of Ghana Consumer Protection and Market Conduct Office.