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(a)    Composition of employees by gender
                                                                                               1,756
                                                                                1,433
               Total number of female employees                     1,433
               Total number of male employees                       1,756
                                                                               Female           Male
               (b)    Board Composition By Gender
                                                                                                 10
               Total number of women on the Board                      6         6
               Total number of men on the Board                       10
                                                                               Female           Male
               ( c)   Top Management (Executive Director To Chief Executive Office)
                      Compositon By Gender

               Total number of  women in Executive Management positions   3      3                8
               Total number of persons in Executive Management positions    8
                                                                               Female           Male
               (d)    Top Management (Assistant General Manager To General Manager)
                      Compositon By Gender                                                       52
                                                                                 15
               Total number of women in Top Management positions      15
               Total number of men in Top Management positions        52
                                                                               Female           Male


               (ii)   Employment of disabled persons
               In the event of any employee becoming disabled in the course of employment, the Bank will endeavour to arrange appropriate
               training to ensure the continuous employment of such a person without subjecting the employee to any disadvantage in career
               development.

               (iii)   Health, safety and welfare of employees
               The Bank maintains business premises designed with a view to guaranteeing the safety and healthy living conditions of its em-
               ployees and customers alike. Employees are adequately insured against occupational and other hazards. In addition, the Bank
               retains top-class hospitals where medical facilities are provided for its employees and their immediate families at its expense. Fire
               prevention and fire-fighting equipment are installed in strategic locations within the Bank’s premises.

               The Bank operates a Group Personal Accident and the Workmen’s Compensation Insurance covers for the benefit of its em-
               ployees. It also operates a contributory pension plan in line with the Pension Reform Act 2004 as amended and other benefit
               schemes for its employees.

               (iv)   Employee involvement and training
               The Bank encourages participation of employees in arriving at decisions in respect of matters affecting their wellbeing. Towards
               this end, the Bank provides opportunities where employees deliberate on issues affecting the Bank and its employees’ interests,
               with a view to making inputs to decisions thereon. The Bank places a high premium on the development of its manpower. Conse-
               quently, the Bank sponsors its employees for various training courses, both locally and overseas.

               (v)    Statement of commitment to maintain positive work environment
               The Bank strives to maintain a positive work environment that is consistent with best practice and ensures that business is con-
               ducted in a positive and professional manner and that equal opportunity is given to all qualified members of the Group’s operating
               environment.

               Credit Ratings
               The Revised Prudential Guidelines, as released by the CBN, requires banks to be rated by a credit rating agency on a regular basis.
               It is also required that the credit rating be updated on a continuous basis from year to year. Furthermore, it is required that banks
               should disclose their credit ratings prominently in their published annual reports.

               Below are the credit ratings that Access Bank has been assigned by the various credit rating agencies that have rated the Bank, in
               no particular order:






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