*  *  *  Mr. Chairman, the Executive Secretary, Members of the General Council, Managing Directors of Banks, Fellows and Associates of the Association of Bankers, Members of the Banking Fraternity, Distinguished Guests, Ladies and Gentlemen: 1. Good afternoon and welcome to the 13th Annual working luncheon of the Ghana Association of Bankers.
I am privileged to be given the opportunity to address stakeholders of the banking sector today. The Association gave me the liberty to decide on any topic and since this gathering consists of members of the banking fraternity, I have chosen to focus on the financial services industry and its impact on private sector growth, with emphasis on financing small and medium term enterprises.