Ghana Exim Bank

What Ghana Exim Bank does

Ghana Exim Bank (GEXIM) is a Ghanaian state-owned policy and Development Finance Institution (DFI) established under the Ghana Export-Import Bank Act 2016 (Act 911) and headquartered at Africa Trade House in Accra. The bank was created to address Ghana's structural challenge of exporting raw materials and importing finished goods, providing dedicated trade finance and development support to Ghanaian exporters and SMEs. It does not accept customer deposits and operates under five offices — Accra (HQ), Tamale, Kumasi, Ho, and Takoradi — covering Ghana's principal economic regions.

The bank's core product portfolio comprises four banking categories — Corporate Banking, Export Trade, Guarantees, and SME Banking — augmented by specialized facilities including Pre-shipment Credit, Post-shipment Credit, Export Development Finance, and Cross-Border Investments, alongside Export Advisory Services. It finances non-traditional export sectors such as agribusiness (cashew, oil palm, mango, pineapple) and value addition to traditional commodities (cocoa, gold, timber), as well as import substitution industries such as rice and poultry. Distribution combines direct lending from the head office and four regional branches, plus disbursements through designated commercial banks and Letters of Credit via partner institutions. Beyond traditional lending, the bank operates downstream promotional initiatives — the MiG Town retail outlet and monthly Tuesday Market — to boost Made-in-Ghana product visibility.

The revenue model rests on three streams: interest income from loans at 13–16% based on risk profile, facility and processing fees (1% upfront facility fee, 0.5% annual management fee), and professional services revenue from export advisory and research. Over its first decade, the bank grew its loan book from US$68 million to US$278 million and income collections from under US$34 million to over US$71 million annually by end of 2025, supporting approximately 147 businesses. Recent strategic activity centers on geographic expansion into the US market via the Ghana Trade House in Philadelphia (June 2026) and new product/vertical initiatives such as the Ghana AgroTech Fair.

Name

Ghana Exim Bank

Legal name

Ghana Exim Bank

Website

https://eximbankghana.com

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

11–50 employees

Short description

Ghana Exim Bank is a Ghanaian state-owned Development Finance Institution established under Act 911 in 2016, providing trade finance, credit facilities, and export advisory services to roughly 147 Ghanaian exporters, SMEs, and agribusiness firms across five domestic offices.

Ownership category

akta.pro rank

Headquarters

HQ city

Accra

HQ country

Ghana

HQ region

Africa

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Infrastructure, Marketing or Sales, Others

Revenue model

1. Interest Income from Lending: The primary revenue stream comes from interest charged on loans and credit facilities extended to exporters and businesses. Interest rates range from 13-16% based on risk profile.
2. Facility and Processing Fees: Fees charged for loan processing and facility management including 1% upfront facility fee and 0.5% annual management fee.
3. Export Advisory and Research Services: Revenue from providing export advisory, market research, and knowledge center services to Ghanaian exporters.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Ghana Export-Import Bank (GEXIM) is a policy and Development Finance Institution (DFI) established under Act 911 in 2016, fully owned by the Government of Ghana. It provides pre-shipment credit, post-shipment credit, export development finance, guarantees, and cross-border investment facilities to Ghanaian exporters and SMEs. Unlike commercial banks, GEXIM does not accept customer deposits and focuses exclusively on supporting non-traditional exports, agro-processing, and import-substitution industries.

Product overview

Ghana EXIM Bank operates as a policy and development finance institution (DFI) established under Act 911 in 2016. Unlike commercial banks, GEXIM does not accept customer deposits and focuses exclusively on supporting Ghana's export development and industrial growth. The bank's product portfolio centers around four core banking categories—Corporate Banking, Export Trade, Guarantees, and SME Banking—supplemented by specialized credit facilities including Pre-shipment Credit, Post-shipment Credit, Export Development Finance, and Cross-Border Investments. The institution also provides Export Advisory Services and operates promotional initiatives like the Tuesday Market and MiG Town retail outlet to support Made-in-Ghana products. GEXIM's financing activities span non-traditional export products such as cashew, oil palm, and mango, as well as value addition to traditional commodities like cocoa, gold, and timber.

Differentiator

Problem solved

Functional benefit

Products and services

• Corporate Banking
• Export Trade
• Guarantees
• SME Banking
• Pre-shipment Credit
• Post-shipment Credit
• Export Development Finance
• Cross-Border Investments
• Export Advisory Services

Quantifiable outcome

• Loan book grew from US$68 million to US$278 million over 10 years
• +2 more outcomes

Named customers6 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

14 partnerships are on record, tiered core and minor.

• US EXIM BankcoreStrategic or Co-development Partner · 26 June 2026Ghana EXIM Bank offers access to financing for Ghanaian exporters through the Ghana Trade House in Philadelphia, with AGOA regulatory guidance.
• Ghana Investment Promotion Centre (GIPC)coreGTM or Marketing Partner · 22 June 2026Co-organizers of Invest Ghana Business Forum and Exhibition in Canada, part of broader investment promotion activities targeting Canadian investors.
• Ghana Export Promotion Authority (GEPA)coreGTM or Marketing Partner · 22 June 2026Co-organizers of Invest Ghana Business Forum promoting Ghana's trade and investment opportunities in North America.
• Ghana Free Zones AuthoritycoreGTM or Marketing Partner · 22 June 2026Co-organizers of Invest Ghana Business Forum as part of Ghana's investment promotion activities targeting international investors.
• Whitestone ShipbrokersminorStrategic or Co-development Partner · 4 June 2026Collaboration at Maritime Trade Fair Ghana 2026 focusing on maritime finance, logistics, technology, and workforce development in Africa's maritime sector.
• Nadkansco Company LimitedcoreStrategic or Co-development Partner · 26 March 2026Agribusiness partnership for value addition, supporting farmers and expanding non-traditional exports through agro-processing and improved market access.
• Freshsaco Foods Exports Company LimitedcoreStrategic or Co-development Partner · 26 March 2026Agribusiness partnership to promote value addition, support farmers and expand non-traditional exports through improved market access.
• SPEGcoreStrategic or Co-development Partner · 26 March 2026Financing partnership for acquiring heavy-duty machinery for pineapple processing, expected to scale up production, create jobs and enhance export competitiveness.
• Buntaa Farms LimitedcoreStrategic or Co-development Partner · 26 March 2026Partnership aimed at boosting local poultry production, reducing import dependence and strengthening food security through increased domestic capacity.
• Arise Integrated Industrial Platforms Limited (Arise IIP)coreStrategic or Co-development Partner · 26 March 2026Collaboration to support development of an industrial zone, with the company providing feasibility studies and technical expertise for the project.
• Biotechnology and Nuclear Agriculture Research Institute (BNARI)coreStrategic or Co-development Partner · 26 March 2026Partnership to upgrade tissue culture laboratory into a centre of excellence to support large-scale production of planting materials for the pineapple industry.
• UK-Ghana Chamber of CommerceminorStrategic or Co-development Partner · 4 February 2026Organized stakeholder breakfast meeting to discuss GEXIM's four-year strategic priorities and build partnerships for supporting Ghanaian exporters.
• British High CommissionminorStrategic or Co-development Partner · 4 February 2026Partnered with UK-Ghana Chamber of Commerce in organizing stakeholder engagement on GEXIM's export support strategies.
• Nigeria's Nexim BankcoreStrategic or Co-development PartnerCollaboration on measures to boost intra-African trade at the GEXIM@10 conference. Both institutions working on trade facilitation within Africa.

Scale indicators5 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Nigeria Export-Import Bank (NEXIM): Direct counterpart as Nigeria's national export-import bank, also a government-owned DFI supporting non-traditional exports. GEXIM explicitly partnered with NEXIM at GEXIM@10 on intra-African trade, confirming operational comparability in mandate, product set (pre/post-shipment credit), and structure.
• Export-Import Bank of India (India Exim Bank): India's dedicated EXIM bank providing pre-shipment, post-shipment, buyer's credit, and lines of credit to Indian exporters. Closely mirrors GEXIM's product architecture (pre/post-shipment, export development, advisory) — a textbook direct peer among emerging-market EXIMs.

Broad incumbents

• African Export-Import Bank (Afreximbank): Continental DFI headquartered in Cairo providing trade finance, export credit, and development finance across Africa. Operates at a far larger scale than GEXIM but in the same category — providing EXIM-style financing to African exporters — and serves as the natural supranational peer.
• Export-Import Bank of the United States (U.S. EXIM): The U.S. national EXIM bank and a stated GEXIM partner for AGOA-aligned Ghanaian exporter financing. Far larger, but the structural template (federal EXIM financing exporters, guarantees, working capital) matches GEXIM's mandate directly.
• UK Export Finance (UKEF): UK's official export credit agency providing guarantees, loans, and insurance for UK exporters. Comparable as a national EXIM-grade institution; GEXIM engages with the British High Commission and UK-Ghana Chamber of Commerce for partnership activity.
• Export-Import Bank of China (CEXIM): China's policy bank for export credits and concessional finance to emerging markets. Comparable structurally as a state-owned EXIM institution with similar lending, guarantee, and buyer credit products, though operating at vastly larger scale.
• BNDES (Brazilian Development Bank): Brazil's national development bank providing long-term financing, export credit, and industrial development support. Comparable as a large state-owned DFI with policy mandate for industrial diversification and export financing in an emerging market.

Regional players

• Development Bank Ghana (DBG): Ghana's domestic development finance institution providing wholesale and capacity-building finance to SMEs and local banks. Comparable as a Ghana-based DFI serving overlapping SME/export-adjacent segments, though DBG does not have an EXIM mandate.
• ECOWAS Bank for Investment and Development (EBID): Regional development bank of ECOWAS providing trade and project finance across West Africa. Comparable as a West African DFI operating in adjacent countries with overlapping exporter/SME development objectives.
• Agricultural Development Bank of Ghana (ADB): Ghanaian state-owned bank focusing on agricultural financing, including agribusiness exporters like Buntaa Farms that GEXIM also finances. Comparable in Ghana-specific agricultural and SME finance focus, though ADB operates as a commercial bank.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/geximgh
• YouTubeyoutube.com/@GeximBank
• Facebookfacebook.com/geximgh
• LinkedInlinkedin.com/company/ghana-export-import-bank
• Instagraminstagram.com/eximbankghana

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ghana Exim Bank