Universal Merchant Bank (UMB) opened its door to the public on 15th March 1972 as the premier merchant bank in Ghana. In 2005, we introduced Retail Banking with the acquisition of a Universal Banking License. Currently the bank has 28 branches nationwide. The bank has two fully owned subsidiaries, UMB Stockbrokers Limited and UMB Investment Holdings Limited. We are recognized for our entrepreneurial approach, innovative use of technology, and distinctive banking solutions