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in several countries, including Nigeria, allowing edu-  approach in various engagements with stakeholders
               cated and trained women to capitalise on their skills   within the SME market space. One of these is the
               when they might otherwise be blocked in corporate   ‘Power Breakfast’ meetings, where SME owners, se-
               advancement due to the “glass ceiling”. The increased   lect government or regulatory authorities, experts in
               flexibility inherent in owning their businesses allows   various fields of endeavour as well as top officials of
               women to contribute to the income of their families   the Bank, exchange experiences and ideas that can
               while balancing work and family responsibilities. This   greatly benefit all parties.
               has led to the customised banking solution for this
               business segment. The “W” Initiative was unveiled in   With our extensive branch network, multi- and al-
               July 2014 to offer women exclusive access to a wide   ternative-distribution  channels,  competitive pricing,
               range of lifestyle-oriented, value-adding benefits and   wide array of products and committed professionals,
               privileges.                                    the Business Banking Division is well-poised to meet
                                                              the aspirations and banking needs of SMEs.
               Another key and strategic business  segment with
               huge but untapped potential is the cluster of busi-  What we have accomplished in partnership with our
               nesses owned by the ever-increasing Asian commu-  valued customers is considerable, but incomparable
               nity in Nigeria. Again, we welcome them in our quest   to what we plan to achieve in the coming months and
               to create a new future, and are doing our utmost to   years. In Business Banking as elsewhere, we will take
               help them along the path to a better tomorrow.   the lead and chart new courses. With our customers’
                                                              satisfaction at the heart of our operations, we are set
               The Business Banking Division uses innovative prod-  to take tomorrow together.
               ucts and services to achieve competitive edge when
               reaching and retaining customers. This was demon-
               strated in 2014 by our employment of a consultative






















































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