Robert Dzato is the CEO of Chartered Institute of Bankers (CIB) Ghana
The Chief Executive Officer of the Chartered Institute of Bankers (CIB) Ghana, Robert Dzato, is calling for a stronger foundation in risk management, ethical behavior, and professional competence to help drive Ghana’s banking sector forward.
According to him, banking must be deeply rooted in risk management and ethics.
Speaking to GhanaWeb Business on the sidelines of the Chartered Institute of Bankers (CIB) Ghana Post-MPC Roundtable Discussion on August 5, 2025, Dzato explained that banking, at its core, is about managing risk, supported by customer focus and innovation.
He stressed that understanding the various risks banks face, both economic and industry-specific, is critical to making sound financial decisions.
“Banking is actually risk management wrapped up in customer centricity and some innovative solutions. Therefore, understanding the risks that banks face within the economic and industry context is very, very important. Building capacity and competencies will also be crucial,” he said.
Dzato also emphasised the importance of professional banking skills as essential tools for adequately assessing credit and other financial risks.
“From the Institute’s perspective, building character, which relates to the ethics of bankers and banks, and competence, which refers to the skill set required to properly assess credit risks, are both essential. Even more importantly, complying with rules and regulations is critical. Banking is highly regulated, so playing within the rules, the conduct side, will be crucial,” he added.
The Chartered Institute of Bankers has reiterated its commitment to supporting banks and professionals through continuous learning and ethical leadership, especially as the sector faces increasing regulatory demands and economic pressures.
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