ARB Apex Bank is a Ghanaian wholesale bank that provides funding and coordination to the Rural &amp; Community Banks (RCBs) in Ghana. In effect it acts as a "mini central bank" to the Rural banks in Ghana. The acronym ARB stands for the Association of Rural Banks.
In Ghana, rural banks are financed mainly via the Rural Financial Services Project (RFSP), that is a project of the government to solve the operational problems of the rural financial sector. 
Every Rural and Community bank in Ghana was mandated to contribute two thousand Ghana cedi to buy shares of the ARB – Apex bank Ltd, to enable the bank become accountable to the rural and community banks. So every rural and community bank in Ghana owns two thousand Ghana cedi worth of shares in Apex Bank. The remaining shares of the bank are also owned by the government of Ghana. 
History.
In 1969, the All India Rural Credit Review Committee recommended that Apex co-operative banks directly finance co-operative societies.
It started its banking business on 2 July 2002. In 2018, it claimed to be the first bank in Ghana to issue bank cards to EMV standards which allow payments on the Gh-link platform.
Operations.
The apex financial institution lends cash to rural banks who, in turn, provide small credit to small businesses and also support the development of rural projects.
Besides the head office, there are ten branch offices throughout the country, including locations in Bolgatanga, Hohoe, Koforidua, Cape Coast, Kumasi, Sunyani, Takoradi, Wa, Tamale, and Accra.
References.
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