Obviously, from the benefit of hindsight it is obvious that there was poor risk analysis of exposures to these sectors. I have heard the suggestion that the banks lacked expertise in these areas. My response is that it is not enough to place the blame on the lack of expertise.
Banks must invest in  2  BIS Review 92/2010  capacity building in risk management especially for emerging sectors of the Ghanaian economy. As I suggested earlier, the culture of risk management is not well rooted in our banking system.