Beige Bank
-licence obtained by false pretenses
-breach of cash reserve
-declining loan portfolio

Sovereign Bank
-licence obtained by false pretenses
-unable to meet daily obligations
-negative capital adequate ratio ( -11 )

Construction Bank
-licence obtained by false pretense
-inaccessible paid up capital
-the initial minimum capital provided by loans.

UniBank
-capital deficit of ghc 7.4bn
-over 89% of loans non-performing
-loans advances overstated by Ghc 3bn

The Royal Bank
-capital impairment
-over 70% of loans non- performing
-transactions totalling ghc162.92 with share holders.

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