CalBank is a prominent commercial retail bank headquartered in Accra, Ghana, where it is fully licensed and regulated by the central Bank of Ghana. Therefore, whether it is considered a foreign bank depends entirely on the geographic perspective of the observer; from the viewpoint of someone located outside of Ghana, such as in North America or Europe, it operates as a foreign financial institution. It serves local corporations, small and medium enterprises, and individual retail clients with comprehensive banking services, loans, and international trade finance solutions.