With the banking sector showing remarkable growth in Ghana, it is a probable target for liberalisation by the European Union to enable their banks to enter this market. The author addresses the following research questions: (1) What are the possible outcomes of increased foreign participation through commercial presence upon liberalising the banking sector under Economic Partnership Agreements (EPAs)? (2) Which recognised human rights, that Ghana has an obligation to respect, could be affected by liberalising the banking sector in Ghana under EPAs? (3) What are the outcomes of liberalising the banking sector on poverty reduction and development in Ghana? / Thesis (LLM (Human Rights and Democratisation in Africa))--University of Pretoria, 2008. / Dissertation submitted to the Faculty of Law University of Pretoria, in partial fulfilment of the requirements for the degree Masters of Law (LLM in Human Rights and Democratisation in Africa). Prepared under the supervision of Mr K.K.K. Ampofo, Faculty of Law, University of Ghana, Legon / http://www.chr.up.ac.za/ / Centre for Human Rights / LLM