On 17th November 2003, the Bank was issued with a universal banking license by the Bank of Ghana thus, evolving into a fully fledged universal bank. HFC Bank (Ghana) limited currently provides a wide range of universal banking services namely: mortgage banking, commercial banking, investment banking, real estate services, microfinance operations and private equity/venture capital fund management.

These make HFC Bank the most diversified universal banking institution in the Ghanaian Banking industry..