Page 4 - ACCESS BANK ANNUAL REPORTS_eBook

OVERVIEWS
1 Business and Financial Highlights 10
Locations and Offices
12
Chairman’s Statement 14
Chief Executive’s Review 17

BUSINESS REVIEW
2 Corporate Philosophy 22

Reports of the External Consultant 23
Commercial Banking 24
Business Banking 26
Personal Banking 28
Corporate and Investment Banking 34
Transaction Services, Settlement Banking and IT 38
Digital Banking 42
Our People, Culture and Diversity 44
Sustainability Report 48
Risk Management 68

GOVERNANCE
3 The Board 106
96
CONTENTS Corporate Governance 116
Directors, Officers & Professional Advisors
107
Management Team
108
Directors’ Report
Directors’ Responsibilities
140
Report of the Statutory Audit Committee
142
144
Customers’ Complaints Feedback
148
Wistleblowing Report
FINANCIAL STATEMENTS
4
Independent Auditor’s Report
162
Statement of Comprehensive Income
163
Statement of Financial Position
164
Consolidated Statement of Changes in Equity 154
Consolidated Statement of Cash Flows 168
Notes to the Consolidated Financial Statements 170
SHAREHOLDER INFORMATION
5 Shareholder Engagement 348
350
Notice of Annual General Meeting
Explanatory Notes to the Proposed Resolutions 352
Capital Formation 356
e-Dividend Mandate Form 357
Shareholder Information Update Form 359
Proxy Form 361
Investor Enquiries 363

6 CORPORATE INFORMATION 368
Branch Network and Onsite ATM Locations
Offsite ATM Locations 378
Subsidiaries’ Highlights 385
Correspondent Banks 388
Agency Banking Network 389

44 Access BAnk PlcACCESS BANK PLC
Annual Report & Accounts 2017Annual Report & Accounts 2017