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us. I am certain with a clear commitment to our values, we   key drivers for enhanced bottom-line growth.
               will attain our goals.
                                                              The strategies laid out for 2018 and beyond, will also see a
               LOOKING FORWARD                                combined focus on leveraging our enlarged corporate and
               Although economic uncertainties and changing regulation   retail customer base and our balance sheet a lot more effi-
               present challenges, I believe that we have the right strate-  ciently to attain our objectives.
               gy to build upon our current momentum and emerge as a
               leading institution. Indeed, the year ahead presents a de-  Our management team and employees have built an ex-
               fining opportunity for us to break new grounds and move   ceptional organization that is one of the most trusted and
               closer to our goal of becoming the world’s most respected   respected financial institutions in Nigeria. Their dedication,
               African Bank.                                  fortitude and perseverance made it possible.


               Though we have made significant progress in delivering on   Esteemed shareholders, I seek your support as always for
               our growth objectives, more work lies ahead to ensure that   this next phase of our journey to transform the Bank. Guid-
               we are well-positioned for longer-term value creation. This   ed by our solid strategy, I believe that Access Bank is ready
               year, we will place greater emphasis on growing our retail   and well equipped to deliver sustainable long-term success
               franchise, cost discipline and proactive risk management as   and take the lead in 2018 and beyond.







                                               Though we have made
                                               significant progress in
                                               delivering on our growth
                                               objectives, more work lies
                                               ahead to ensure that we are
                                               well-positioned for
                                                longer-term value creation.

                                               - HERBERT WIGWE,
                                               CHIEF EXECUTIVE OFFICER



































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