There are institutions whose decline happens so gradually that, one day, the public simply wakes up to a painful conclusion: what used to be a national pillar has become a national worry. The National Investment Bank Plc, founded as a strategic vehicle to finance Ghana’s development ambitions, found itself in that exact place. For years, the Bank’s story was told in worried whispers: persistent operational strain, capital weakness, governance pressures, and the kind of uncertainty that makes customers cautious and staff weary.