Years Operating
Branches
Total Deposits (₵)
Regions Covered
According to history, the Wassa Amenfi Traditional Council in the Western Region only had one rural bank in the 1980s, located at Wassa Akropong. The bank (UARB Plc) emanated from and carved itself out of Wassa Akropong. The separation occurred due to a distance disadvantage for customers, primarily cocoa farmers, who had to walk a considerable distance to cash the Akuafo Cheque, the government's primary method of payment to farmers.
Thousands of our cherished cocoa farmers in and around our catchment areas, especially communities like Wassa Ankaasie, Jedua II, Beposo, Agona Amenfi, Wassa Juabo, Adjakaa Manso Jukwaa-Hemang, and Wassa Ankwawso, were left excluded and stranded on how to get their cocoa sales proceeds through the Akuafo-Cheque System.
However, with the good intentions of the chiefs and elders in the aforementioned communities and their brisk, innovative financial ideas, they decided to set up a community bank. The establishment of Upper Amenfi Rural Bank Plc came about through the purchase of shares by the concerned communities. The bank chose Wassa Ankwawso as its headquarters.
The promoters of this bank chose Cocoa Pod as the bank's logo, signifying that the bank seeded from a typical cocoa-growing area and for the farmers.
Incorporated on 13th August, 1987 (with Bank of Ghana License No. 123 issued on 18th August, 1987), Upper Amenfi Rural Bank commenced operations on 2nd September, 1994, to support local agriculture and commerce. It has grown to become one of the premier Rural and Community Banks (RCBs) in the Western, Western North, and Central regions of Ghana.
Following a path of continuous strategic improvement, the bank officially re-registered on 15th February, 2023 under the Companies Act 2019 (Act 992) as a Public Limited Company with Registration Number PL000080223, adopting the official name UPPER AMENFI COMMUNITY BANK PLC.
As of December 2025, the bank boasts a paid-up capital of GH¢6.08 million, a customer deposit base of GH¢875.00 million, and total assets of GH¢930.70 million, serving our communities across three regions with 19 locations.
Active customers are subscribing to our numerous tailor-made products and services in our 19 branches located in various parts of Ghana. Our success story has significantly improved the economic and social well-being of millions of Ghanaians.
SMS, E-Zwich, ATM, Agency banking, ACH, Apexlink (i-Trans transfers), WUMT, USSD, mobile banking — we've simplified access to financial services.
Microfinancing, business loans, salary loans, funeral loans, farmer's loans, overdrafts — a full spectrum of financial solutions.
UACB Plc has contributed to the creation of over 275,000 direct and indirect jobs across the bank's catchment areas and Ghana as a whole.
To Encourage, Sustain the Habit of Savings and Alleviate Poverty.
To be the leading Community Bank in the country.
The bank's vision and mission are driven by the range of solutions it offers to bridge the gap between the banked, underbanked, and unbanked in the financial service industry.
The principles that guide every interaction with our customers, shareholders, and communities.
Recognized locally and nationally for excellence in rural banking.
Recognized for outstanding performance in rural banking
Upgraded to Public Limited Company status in 2022
39 consecutive years of growth and stability
Full membership ensuring customer deposits are protected
Backed by the Bank of Ghana and protected by advanced security infrastructure, your deposits are safe with us. We require partnerships with current and potential shareholders, customers, regulatory authorities, and business associations.
We believe banking should uplift communities, not just serve them. Through our CSR initiatives, we've invested in education, infrastructure, healthcare, and agriculture.
