Products and Services

• Financial • Cash
advisory management
Trade/Structured
finance • Tailored
• Treasury lending
scheme (value
• Strong chain)
relationships
with non- • Liquidity
financial management
institutions and
multilateral • Trade finance
agencies
• Advisory
services

• Payroll • Mobile
management banking

• Trade finance • Payroll

management
• Payment &
collection • Specialised
savings
• Financial account
advisory
• Current and
• Asset finance investment
accounts

• Personal loans
advances and
mortgages

Our Businesses

The Group's main business activities are organised along four customer segments, each served by
Strategic Business Units (“SBUs”) as follows:

Corporate and Investment Banking

The Corporate and Investment Banking SBU focuses on multinational, well-structured large local and
foreign owned companies with minimum annual turnover of ₦20 billion and with risk rating falling
within a specified limit, as well as financial institutions in the banking, capital markets, pensions and
insurance sub-sectors. The Corporate and Investment SBU's sector focus include the cement and
construction, communications, manufacturing, upstream oil and gas, and financial institutions sectors,
and selective focus in the downstream oil & gas, power, transportation, agriculture and real estate
sectors. The Corporate and Investment Banking SBU's Financial Markets unit offers clients a wide range
of financial services including treasury (trading in fixed income and currency products), corporate
finance, project finance and structured finance (acquisition and leveraged finance services). This
division is also responsible for the Group's relationships with domestic and international financial
institutions (including Development Finance Institutions ("DFIs").

Commercial Banking

The Commercial Banking SBU focuses on incorporated companies with turnover of ₦1 billion and above
(excluding companies that meet Corporate and Investment Banking SBU customer criteria), Federal
Government ministries, departments and agencies, as well as state and local governments. The
Commercial Banking SBU's target market includes companies that are within the Corporate and
Investment Banking value chain, as well as Federal, State, and Local Governments. Specific target
customers include Asian companies in key sectors/industries and select states/cities, manufacturing
companies, consumer, hospitality and lifestyle companies and contractors in select sectors (Oil and Gas,
Construction and Real Estate).

Business Banking

The Business Banking SBU focuses on companies and small and medium enterprises ("SMEs") with
annual turnover of not more than ₦1 billion. The Business Banking SBU's target market model focuses
on the implementation of a [holistic] SME partnership and advisory programme while extending its
global facility framework to cover the SME segment of the value chain of selected Access Bank corporate
and commercial banking customers.

Personal and Private Banking

The Personal Banking section of the SBU focuses on affluent professionals, employees in the value chain
of the Group's corporate clients, as well as students, pensioners, employees of religious organizations
and informal traders, while the Private Banking section focuses on High Net-worth Individuals (HNI) and
Ultra-High Net-worth Individuals (UHNI).

Key Metrics

Access Bank recognizes that good corporate governance is fundamental to earning and retaining the
confidence and trust of its stakeholders.

Our Board and Executive Management teams are responsible for upholding corporate governance to the
highest international standards.

Key 2017 2016 2015 2014 2013 2012

Performanc
e Indicators

Profitabilit
y (₦’m)

Gross 459,07 381,32 337,40 245,21 206,89 197,08

Earnings 6 1 4 7 1 2

Operating 302,59 272,60 234,83 168,27 138,54 140,67

Income 5 5 2 8 8 0

Profit 80,07 90,33 75,03 52,02 44,99 46,53

Before Tax 2 9 8 2 6 5

Profit After 61,99 71,43 65,86 43,06 36,10 44,84

Tax 1 9 9 3 2 0

Balance
Sheet (₦’m)
Net 1,855 1,365,831 1,110,464 786,170 604,073
Customer 2,064
Loans
Total Assets 3,484 2,591,330 2,104,360 1,835,466 1,745,472
4,102
Customer 2,089 1,683,244 1,454,419 1,331,419 1,201,482
Deposits 2,245
Shareholder 454 367,801 277,411 244,482 241,285
s' Fund 516

Earnings per 2.18 2.50 2.65 1.89 1.59 1.72

Share (₦)
Net Asset 14.77 12.12 10.68 10.54
Value per
Share (₦)
Total 0.65 0.65 0.55 0.60 0.60 0.85
Dividend
per Share
(₦)
Payout 21 32 38 49
Ratio (%)

Prudential &
Performanc
e Ratios
After-Tax 12.8 17.4 20.4 16.5 14.8 20.7
ROAE (%)
Capital 22.5 21.0 19.5 18.4 19.2 23.0
Adequacy
(%)

share Price
(₦)
High 4.95 10.18 12.39 9.55
Low 4.46 5.42 8.61 4.70
Year-End 4.85 6.60 9.60 9.05

Number of 28,931 28,931 22,883 22,883 22,883

Shares 24,898
Outstanding
Market 232,870 120,755 151,028 219,677 207,09
Capitalizatio
n (₦'m)
hare Price
(₦)
High 4.95 10.18 12.39 9.55
Low 4.46 5.42 8.61 4.70
 Year-End 4.85 6.60 9.60 9.05

Number of 28,931 28,931 22,883 22,883 22,883

Shares 24,898
Outstanding
Market 232,870 120,755 151,028 219,677 207,091
Capitalizatio
n (₦'m)

Corporate Philosophy

Our Vision
To be the world's most respected African bank.
Our mission
Setting standards for sustainable business practices that unleash the talents of our employees, deliver
superior value to our customers and provide innovative solutions for the markets and communities
we serve.
Our core values

• Leadership
• Excellence
• Empowered employees
• Passion for customers
• Professionalism
• Innovation

ABOUT ACCESS BANK

Access Bank Plc. is a leading full-service commercial Bank operating through a network of more
than592 branches and service outlets, spanning three continents, 12 countries and over 29 million
customers.

SPEECH BY HERBERT WIGWE, GMD/CEO

“The group delivered solid earnings underscoring the value potentials of the newly expanded business
model. Gross earnings showed a 16% increase to ₦160.1bn from the prior year, comprising strong
earnings on Interest income and non-interest income of 69% and 31% respectively, whilst Profit before
Tax (PBT) grew by 66% to ₦45.1bn Our capital and liquidity position remained above regulatory levels,
with CAR at 19.5% and liquidity ratio of 47.6% further demonstrating the capacity of the enlarged
balance sheet to cope with possible negative shocks. Following the successful completion of the merger
with Diamond Bank in March 2019, we have now fully positioned ourselves in the retail market with a
view to bringing the power of banking to the doorsteps of millions. We are providing a broader platform
to facilitate payments services in Nigeria and across Africa, by harnessing our significantly enhanced
digital technology capabilities. We have made solid progress throughout the first quarter of 2019 in line
with our 2018-2022 five year strategy, and we remain committed to the achievement of our strategic
imperatives going forward; as we continue to invest in our people, technology and most importantly,
our product offerings to customers. Our focus is to become the world’s most respected African Bank by
leveraging on the strength of our retail and wholesale business to provide unrivalled value to our
customers.

CSR OF THE BANK

Access bank Lagos city marathon

UNICEF cherity shield international polo tournament

 Board of Directors
Board committee
audit

Board committee
risk
Group Managing
Director

Group Deputy
Managing Director

Head Head, Director, Director, Head,

Director, Director,
African Director, Retail Technolog Enterprise
Non- Commer Business
subsidiari corporate banking y and resource
African cial banking
es and operation group
subsidiarie banking
investmen s
s t banking

Head, Director,
Internal Audit Risk mgt