From an unassuming beginning, the bank has made marks of contributions to the growth of the individuals, community and the economy as a whole.
1. Small, medium enterprises can now have access to capital through the Susu scheme to improve upon their businesses and life.
2. Many who fear to get near a bank are now in groups enjoying the bank's group lending scheme.
3. A lot of development projects are being assisted by the bank.
4. Needy Children are being granted scholarship to enter Senior High School.
5. A lot of the people in the bank's catchment area have been introduced to the habit of savings.
6. The bank has carved a reputable image for itself.
7. The bank has won international recognition in rural banking and this has attracted several international institutions paying working visits to the bank.
8. The bank has affiliated itself to an international body African Rural Credit and Agricultural Association (AFRACA) through which the bank operates exchange programmes to share ideas with other countries.
9. The singular effort of the bank in computerizing and networking all its branches is a major achievement by the bank.
10. The crusade for expansion and being a model in the rural banking industry is no mean an achievement.
11. The bank has carried the rural banking to a new level through its management structure and has become a training ground for most rural banks.
CHALLENGES
Despite the growth of the bank, Atwima Kwanwoma Rural Bank is faced with challenges associated with contemporary banking.
* Competition is very high in the banking industry as banks introduce new products and services to capture low cost deposit affecting margins.
* New banks have entered the bank’s catchment area with large resources and competing in credit delivery.
* The bank is facing a problem with restructuring its shares register. At the moment, the bank has 13,346 shareholders with 76,900,000 numbers of shares. Many of the shares were sold at prices far below their market values in the absence of revaluation during frequent periods.
* The bank's loan portfolio is now very large and maintaining a quality loan portfolio is a big challenge to the bank.