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WELCOME



               TO THE

               SUSTAINABLE
               FUTURE


                                                                    s an organization focused on taking the lead in our rapidly
                                                                    evolving and increasingly complex business environment,
                                                                    we constantly seek to anticipate and solve problems of
                                                              Aour consumers and stakeholders.  At Access Bank, we
                                                               embrace  a  culture  of  innovation—  through  an  enterprise-wide
                                                               approach, we channel resources towards the development of
                                                               promising ideas that translate into profit for today and sustain-
                                                               able business growth for tomorrow.
                                                              Now more than ever, the effective implementation of sustainable
                                                             business practices is a critical factor for achieving financial growth.
                                                             On a global scale, consumers, investors and other drivers of eco-
                                                             nomic growth consider sustainability as a measure of business per-
                                                            formance. For an institution like ours, it is imperative that we invest our
                                                            resources in activities that are economically progressive, environmen-
                                                           tally conscious and socially responsible. This is why the Bank has har-
                                                           nessed the power of innovation as a tool for implementing sustainable
                                                          development, as reflected across every aspect of our business, from our
                                                             core values to our product delivery.
                                                               We are paving the way and re-engineering the face of Africa
                                                                 through sustainable innovations in financial technology, digital
                                                                 advancement and sustainable development. In 2017, our inno-
                                                               vations translated to impressive financial growth and continued
                                                              to position us as the forward-thinking digital bank of the future.  We
                                                            continued to improve our service touch-points as we further deep-
                                                           ened our retail play with emphasis on cheaper funding. Some of our
                                                         revolutionary initiatives include the digital innovation hub, The Africa Fin-
                                                        tech Foundry; the artificial intelligence app Tamara; and our inclusive banking
                                                      programme ‘Save Today, Take Tomorrow Initiative’.
                                                   We remain committed to exploring new frontiers and inventing new sustainable
                                                  models, processes and solutions that ensure ‘Innovation for a sustainable future’. As
                                                we continue to imbibe and nurture a culture of innovation, our business decisions re-
                                               main governed by the fundamental resolve to operate with the future generations in mind.
                                            The future is bright at Access Bank and our innovative strategies are illuminating our pathway
                                          to a sustainable future.










                                                      SERVICE
               SPEED



                                                 Service matters to our cus-
               Rapid response and quick          tomers, whose expectations
               access to advice, information     have risen dramatically.                 SECURITY
               and products are important to
               all customers.                    Service is both qualitative and   Security  is  fundamental  to
                                                 quantitative. It has much to do   customers. They need to be
               Our ability to translate effec-   with how customers feel and     able to trust us to manage
               tive governance and leverage      how long they have to stand in   their  finances  responsibly.
               employees’ competence to          a queue.                        95% of customers surveyed
               deliver swift and appropriate                                     say  that  security is  the  most
               responses to customers is a       Our customers appreciate        important factor in choosing
               significant  competitive  ad-     that we treat everyone with     to bank with us.
               vantage.                          respect and consideration.

                                                                                            Access BAnk Plc  5
                                                                                            Annual Report & Accounts  2017
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