New Year Message from the CEO

Dear Valued Customer,


I wish you a very happy and prosperous 2022 on behalf of everyone here at UMB!


We are truly grateful for your custom all through 2021 despite its peculiar challenges and developments. The scourge of COVID-19 and other unfortunate incidents have been heavy, and our thoughts and prayers go to all the people in Ghana and around the world who are sadly not with us. May they rest peacefully.


In this new year we look forward to an exciting journey with you our valued partners. Our resilience the last few years gives us hope that we are entering a more productive era which points to success in all our business and organizational endeavors! We are poised to support you in diverse ways to achieve your financial goals and ambitions.


2022 also marks a special year in the life of UMB. It will be 50 years since we opened our doors here in Ghana, with a clear charge to support Ghanaians to take the commanding heights of the economy. During that period, we have strived to constantly live up to that charge, with a clear focus on putting YOU FIRST. Below are some highlights of our achievements to date. Our appreciation in true Ghanaian style goes to you our cherished customers and the many more before you who have helped keep this organization alive all these years! Y3DAASE, AKPE, OYIWALA DONN, NAGODE, TIPAGIDA, MPUYIHA!


Many of you cherished customers have been with us through thick and thin. Like Madam Esther Asare, currently our oldest customer in the Bank. Madam Asare opened her account with the Tarkwa Branch of Merchant Bank on August 7, 1973. She has kept faith with us, and we have been proud of our service to her. We look forward to celebrating Madam Asare and all of you our valued customers, in the coming year.


I am also inspired by the example of past and present members of our staff like Mr. Benjamin Adjetey Adjei, who has diligently served the Bank for 34 years since March 2, 1987! Any time spent with Benjamin, is like being immersed in an encyclopedia of the Bank, and one cannot help but note his admonitions to us, his colleagues to always put the CUSTOMER FIRST.


These two examples demonstrate our significant position as an integral part of Ghana’s financial industry and underpin what makes us great as a Bank – our commitment to PEOPLE and safeguarding the TRUST they repose in us!


Afehyia Pa once again to you all! May God bless our efforts bountifully in the new year! Stay tuned as we update you on an exciting JUBILEE YEAR, and THANK YOU, for continuing to Bank your wealth with UMB, since 1972.

Special Christmas Message from the CEO

OKLI BONI ooooo. Time indeed does fly. Almost in a flash, December is here and we are all geared up for BRONYA. This year, I am using the KROBO greeting for Merry Christmas and a Happy New Year. A unique, special, and naturally uplifting salutation! I like this because it is similar to the effect we will like to deliver to YOU as UMB, where we always put YOU FIRST.


It has been a long, tough year, with many challenges. Our world is still afflicted by the scourge of COVID-19, and as we all proceed on the holidays, let us all please take the precautions directed by the authorities and health professionals to be safe. Also, let us be careful and pay attention as we travel, especially by road. Life is precious and let us stay safe into 2022.


As we celebrate and make merry, please spare a thought for your financial affairs and planning. More often than not, we overshoot our envelopes and our finances suffer! At UMB, we take our fiduciary duty of financial advisory to you seriously, and are always interested in supporting you to achieve the BEST YOU. We are giving each one of you, a cool calendar when you visit our branches in the New Year. This will have a financial planner for 2022, to help you plan for the year. As your bankers, we are available to help and guide you in this process at no cost. Engage any of our Customer Consultants in our branches or contact SIKA – our Virtual Assistant, in this regard.


The Christian celebration of Christmas and the general euphoria of the New Year is a time for all of us to recommit and appreciate our common humanity. 2020 and 2021 has proven to us all, that no matter where we are on this Earth, our well-being is intertwined. Let us all take some time to enjoy the holidays with our loved ones, relax, reflect and recharge so we can enter 2022 re-fortified for progress and growth.

Okli Boni and may we all have a HUGELY successful 2022.

Message from the CEO on Customer Service Week

Dear Cherished UMB Customer

On behalf of the board, management and staff of UMB, I wish to express our unreserved appreciation to all our valued customers on the occasion of this year’s Customer Service Week Celebrations starting today 4th – 8th October 2021.

As the Elders say “the one that cuts the path does not know its crooked”. This proverb aptly captures our focus in this year’s celebration. From our point of view feedback is what powers great service. As we celebrate you, our customer during this year’s Customer Service Week, we will like to take the opportunity to engage you and receive feedback in terms of how you view our service and how we can make it better.

We have reviewed and reintroduced all our feedback platforms here at UMB. You will find that in any branch or ATM that you visit, you can instantly give feedback on the service delivered within the branch.  We will also request your feedback on service via periodic surveys and we urge that you oblige us. Please click here to give us feedback.

We are also delighted to inform you that we have strengthened our Contact Centre. You can now use our toll-free numbers or dedicated WhatsApp lines at anytime to log your complaints. I assure you that we take each and every single one of these calls very seriously. Furthermore, as a digital 1st bank, we have introduced a live chatbot- SIKA which is active online 24/7. We are ready to receive feedback from you anytime!

Thank you for your continued business with US. We do not take it for granted and we know that you are the reason why we have been able to serve Ghana since 1972!

Happy Customer Service Week!


UMB … Serving Ghana with S.P.E. E. D. since 1972!

Message from the CEO

Dear Business Partner,

Welcome to May 2021. May has become a significant month for us all, on account of the May 1st workers day celebrations. In that regard, I want to take the opportunity to congratulate all the hardworking individuals who contribute to the socio-economic development of our great nation, Ghana. We at UMB send our best wishes to you, our valued customers and we promise to continue exceeding your expectations with our hard working and dedicated employees.

Our audited 2020 Financial Statements were recently published – and I am happy to share that we recorded a Profit after Tax of GHS23 million, an enormous leap from the previous year. Due to our prudent cost optimization strategies, we were able to reduce our Operating Expense by 15 percent year-on-year and increased our Customer Deposits by 24 percent – a demonstration of the confidence and trust you repose in us. Let me use this opportunity to thank you, our most important stakeholder for continued business throughout this turbulent period. Please click here of our Audited 2020 Financial Statements.

Recent economic trackers and data points continue to position Ghana as a leading global SME economy. Our strategic approach is to deepen our support to the SME sector by partnering with government agencies and development finance institutions even as we continue to provide more support for small and medium-sized businesses through our range of innovative products and services. We continually strive to ensure these are fit for purpose for SME’s.

The 4th Industrial Revolution continues to deepen in our societies and economy, and digitisation continues to permeate all aspects of life. As your future-fit bank, we are in-step with this evolution and continue to engineer our processes, products and services to enable our customers access a full digital UMB Bank. To this end, I encourage you to use our safe and secure e-banking platforms such as the UMB SpeedApp, internet banking and our vast ATM network.

Whether you are a small business owner, potential customer or a future employee, we look forward to connecting and working together to bring convenient banking to your doorsteps. If you have any feedback for us, you can call us on +233-(0)302-633-988 or on toll free 0800-100-880. You can also join our growing social media community on Facebook, Twitter, Instagram and LinkedIn @myumbbank to engage us get more updates from us.

Once more, let me wish you the very best of the month and thank you for trusting UMB with your business!


Message from the CEO

Dear Business Partner,

Greetings from all of us at UMB!

Exciting things are happening within UMB and I am happy to share some of the updates with you. On March 15, 2021, we marked 49 years of banking excellence and as we build up to our 50th anniversary celebration next year, I want to assure you that we remain committed to providing you with superior financial services that exceeds your expectations. For us at UMB, exceptional service delivery is our hallmark and to deepen our relationship, understand your business and forge new ways of accelerating business growth, I have been paying courtesy calls on some of our customers as part of the anniversary celebration. I do look forward to visiting you soon so that together we can grow your business and ours for posterity.

Our mandate as a bank is to provide financial solutions that meets your everyday needs and we are happy to inform you that, we have partnered the National Association of Registered Midwives, Ghana (NARMG) to offer its members a uniquely-packaged UMB Controller Loan of up to GHS150,000 at a competitively low interest rate. I hereby would like to extend an invitation to you and other organisations to come sit with us so that together, we can customize a financial package specifically for you.

Here at UMB, the contribution of women to the growth of our business cannot be over-emphasised and that is why we continue to create equal opportunities and an enabling work environment for their career and personal development. And to celebrate the women of UMB and the millions around the world, I joined members of staff for International Women’s Day as we pledged to continuously challenge the biases, stereotypes and the many issues that confront them. I hereby encourage you to pledge your support to this worthy cause to ensure a much better future for women and girls all around the world.

As a digitally-focused bank, we continue to provide you with seamless and convenient banking solutions through our suite of e-banking channels including our UMB SpeedApp, UMB Internet Banking and ATM’s. I hereby encourage you to continue to use any of our secure e-banking channels to perform your transactions anywhere, anytime as we all keep safe.

We look forward to offering you 24 hour banking support whatever your need may be so do not hesitate to give us a call on +233-(0)302-633-988 or on toll free 0800-100-880. We also invite you to join our wonderful social media community on Facebook, Twitter, Instagram and LinkedIn at @myumbbank for more exciting updates from the world of UMB.

I wish you the very best of the season and I want to personally thank you for choosing UMB always!