1、Artificial Intelligence(AI)/Generative AI(GenAI)in bankingArtificial Intelligence(AI)/Generative AI(GenAI)in bankingFinancial Services Industry Leaders message 3Message from Ghana Association of Banks 5Tax Leaders message 701 Overview of the economy of Ghana 0802 AI adoption in the Ghana banking ind

2、ustry 1203 Banking industry 3304 Quartile analysis 3605 Market share analysis 4106 Profitability and efficiency 4807 Return to shareholders funds 5508 Liquidity 6109 Asset quality 66References About us Table of contents3PwCArtificial Intelligence(AI)has rapidly become a transformative force across g

3、lobal industries,revolutionising the way businesses operate,make decisions,and engage with customers.From manufacturing,healthcare,telecommunication,construction,education,retail,banking,logistics;AI is enabling unprecedented levels of automation,efficiency,and personalisation.Among the industries e

4、xperiencing this transformation,the banking sector stands out as one of the most significantly impacted.That is why this year our focus is on“Artificial Intelligence(AI)/Generative AI(GenAI)in banking.In a dynamic banking environment,banks are seeking to differentiate themselves and gain a competiti

5、ve advantage.GenAI is transforming the banking sector,providing innovative solutions that optimise efficiency,enhance security,and increase customer satisfaction.As the banking industry increasingly moves towards digitisation,the adoption of advanced AI technologies becomes crucial.We engaged execut

6、ives of some banks in Ghana especially executives responsible for digital transformation strategy and journey,to get an understanding of the general sense of the industrys views on AI,plans for its adoption,the typical use cases of interest and challenges they are faced with.Insights from our engage