Chief Executive Officer of CDH Financial Holdings, Emmanuel Adu-Sarkodee says the huge gap between interest rates on deposits and the interest rate at which the banks lend money is unfair and problematic. Speaking in an exclusive interview with Adom Business, he noted that “if you deposit your money with a bank you are likely to get up to 4% interest rate, but when you go to borrow money from the same bank they will give it to you at more than 20% interest rate – it does not make sense to me.” Adu-Sarkodee said particularly with people who save with a particular bank and go to that same bank for a loan, it does not make sense to charge such high interest rates when lending to such persons. “Essentially what the banks are doing is giving you back your own money in the form of a loan so I do not see why if I am sure that this is someone who saves with me and the money will come back, why I cannot give him/her a loan at a fair rate,” he said. The CDH Boss said at CDH, there is a policy of fairness, where loans advanced to customers in particular are kept within a minimum level of interest rate with very strategic risk management conditions so that customers would not feel burdened with high interest rates. He said it is necessary to do above the treasury bills rate in order to make profits and pay shareholders dividend and customers interests on deposits, but that is no excuse for killer lending rates, particularly when the industry has the benefit of credit rating companies which do a credit worthiness assessment of clients before they are given loans.