The National Investment Bank is currently the most favourable bank for businesses and individuals to keep their monies.That’s according to the latest Annual Percentage Rates APRs released by the Bank of Ghana. The rates works out the actual percentage of interest a bank charges on a loan, including some of the hidden charges that would not be so obvious to a borrower.Of the 27 banks listed in the publication, which includes the Trust Bank and Intercontinental bank, the National Investment Bank offered the best rate of 10.49 on deposits by businesses and individuals as at March 31 this year.ECOBANK offered the best rates for manufacturers, and those into construction and agriculture with an APR of 17.38. It also had the most attractive rates for businesses engaged in commerce with an APR of 19.66 per cent.The Bank of Ghana sees the regular publication of the APRs as a tool to inform borrowers about prevailing rates and pressure the commercial banks to reduce their interest charges.