not readily available in the country. For example, Corporate Finance, Asset Management and Relationship Banking are relatively new functions or services in the Ghanaian Banking Industry. Recruiting and selecting experienced personnel for these activities have been problematic.
             The solution has been to recruit and select from the lower levels and train them. However, as such personnel enhance their knowledge and skills through training offered by the Bank, they become more marketable and therefore targets for poaching by other banks and organizations. This makes it difficult to retain them. This is also compounded by the Bank's flatter organizational structure, which tends to restrict opportunities for upward career progression, achievement, and enhanced status. All these cause a feeling of frustration among high achievers and the likelihood of their exit.
             This situation is extremely harmful to the organization since it deprives the Bank of highly competent personnel it needs to remain competitive.
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