The former Managing Director and Shareholder of Cal Bank, Frank Adu Jnr., has expressed concern about the potential impact of youth unemployment in the country. He emphasized his worry about the actions unemployed youth might take if they are not provided with immediate job opportunities. When questioned about his concerns regarding the governance of the country, Mr Adu stated that his primary fear lies in the consequences of youth unemployment and what could happen if viable opportunities are not created for them.

Adu projected that Ghana might need to seek another bailout from the International Monetary Fund (IMF) after the current $3 billion program, attributing this potential necessity to leaders prioritizing personal political ambitions over national interests.

He criticized the government's decision-making, citing examples such as the Domestic Debt Exchange Programme (DDEP) and the failure to prioritize the national interest in economic decisions.

Regarding the DDEP, Adu advocated for a more compassionate approach, suggesting that the government should have excluded certain groups, such as prisoners and pensioners, from the program. He highlighted the adverse impact of the DDEP on established financial theories related to pension planning and expressed concern for pensioners who had invested in bonds.

Adu also criticized the government's handling of the situation, suggesting that they missed an opportunity to reset interest rates and ease the financial burden caused by the DDEP.

He proposed a more considerate approach that would have isolated and exempted certain vulnerable groups, such as pensioners, from the program.