Getting your business to grow is always the ultimate goal of any business person and getting financial assistance always give it a boost. Find out what specific benefits you can enjoy when you get a loan from a Bank.

1. Women, Business & Finance
Financing your Business through a Bank

2. Our Corporate Philosophy
Our vision
To be the world’s most respected African Bank
Our mission
Setting standards for sustainable business practices that; unleash
the talents of our employees, deliver superior value to our
customers and provide innovative solutions for the markets and
communities we serve.
Our core values
– Leadership
– Excellence
– Empowered employees
– Passion for customers
– Professionalism
– Innovation
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3. Outline
About banks
Perceived Challenges
Why choose banks
The Crux of the Matter
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What is it about Banks?

5. Perceived Challenges
• Banks need to verify all the credentials and details
about the business before sanctioning a loan.
• Therefore its application process may appear very
long and its review etc., a long time.
Lengthy
application
process
• The prospect of getting into the detailing that
banks require will need a some work, and from
the entrepreneur’s point of view, may seem totally
unnecessary.
Cumbersome
• Banks prefer running businesses because they
can gauge its profitability and credit history before
sanctioning the loan
• However, you can prepare yourself for this
Preference given
to existing, running
businesses
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7. Perceived Challenges
• Banks seem to have a long list of conditions that a
business should fulfill before they clear the loan
• It sometimes appears impossible to meet all of them.
Long list of
prerequisites to
qualify for the loan
• Bank loans are generally sanctioned against some
collateral, often a house or property.
• Business owners feel these collateral stands the risk of
being lost to the bank should the business fail to take off.
Risk of losing
Collateral
• Banks are perceived to not agree to grant the whole
amount requested for a loan.
• They may grant 70 or 80 % of the sum applied for. This
makes it difficult for the entrepreneur to begin since he
has to scout around for the remaining balance and find
agencies to fund that before he can start
Entire amount not
granted
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8. Convenient and
accessible
•Banks are always accessible since they are used
regularly for depositing savings or withdrawing
from them
•After being bank customers for years, the bank
becomes convenient and familiar, and
personalized service makes it the first place to
consider for a loan
Multiple Loan
options
•We have various types of schemes
for entrepreneurs setting up or
running a business
•Options like term loans, standard
business loans and others are
available for the entrepreneur
Non profit sharing
• Venture capitalists and angel
investors may agree to
provide a loan in exchange for
part ownership, the right to
influence decision making and
a share of the profits
• Banks do not ask for any of
these. If they do sanction a
loan, they are only interested
in getting their interest and
partial loan payment
installments
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Benefits of borrowing from a bank

9. Benefits of borrowing from a bank
Lower rates of
interest
Banks provide loans at lower rates
of interest than other lending
agencies and instruments like credit
cards
Bank loans offer
tax benefits
Businesses taking
loans from banks enjoy
some relief from tax,
since the percentage
of profits used to repay
the loan is exempted
from tax
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10. “From the very start, every business should be on the
lookout for a supportive and reliable bank. Irrespective of
the growth stage, finding the bank that fits your business's
needs is crucial”
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11. Optimizing your Banking Relationship
The Bank
•Financial Soundness &
Stability
•Leadership/Corporate
Governance
•Competencies
•Access to Credit
The People
• Professionalism
• Knowledgeable
• Service Orientation &
Excellence
• Responsiveness
Products & Services
•Robust
•Innovative
•Cost/Pricing
•Features/Benefits
•Accessibility (use of
alternate channels)
•Bespoke (Meeting your
financial and lifestyle needs)
•Access to market
•Complaints management
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TOMORROW… it’s a place you look forward to. It’s a special place where your dreams
and aspirations reside. Over THERE, you find the best version of each person. So while
you are hard at work getting from here to THERE, it’s good to know you have a bank
that helps you create your desired future.

13. • Access Bank Plc. is a full service Tier 1 Commercial
Bank, operating through a network of over 360
branches and service outlets located across Nigeria,
Sub Saharan Africa and the United Kingdom.
• Listed on the Nigerian Stock Exchange in 1998, the
Bank serves its various markets through four
business segments: Personal, Business,
Commercial and Corporate and Investment banking.
• We are one of the top five banks in Nigeria
About
Access
Bank
• The first bank in Nigeria with a focus on women
and a dedicated team of trained Gender
Specialist
• The Bank is at the forefront of sustainability,
committed to inspire connect and empower,
women by providing solutions that support their
finances, lifestyle, health and wellbeing
• Our goal is to be the Bank of choice for women
Our
Gender
Focus
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A bit about Access Bank

14. Quick Facts about Women:
50% of Global Population and Nigerian population are women
Only 26% have an account at a formal Financial Institution in
comparison to 34% of males
Only 27.2% of Nigeria’s adult female population have access to
formal financial services, whereas 58.8% are saving informally (EFInA,
2012)
They are often financially responsible for the whole family and
therefore have less money available for savings.
Women are responsible for 85% of family consumer purchases
79% women business owners (formal & informal) have a personal banking
account and tend to use their personal accounts for both personal &
business needs
Informal women-owned MSMEs in Nigeria represent up to 39% (of
about 6.5 million informal MSMEs)
Formal women-owned MSMEs in Nigeria represent about 15% (of
about 1.5 million formal MSMEs)
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…hence at Access Bank, women are more than a niche, we have made
women our business

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Introducing ‘W’

17. ‘W’ is not about Pink Washing!
‘W’ is not a product
‘W’ is our new home for everything Access
Bank offers women
‘W’ encapsulates our approach to banking for
women by providing information and product
solutions that meet your financial and
lifestyle needs
‘W’ is about YOU!
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Introducing‘W’

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20. The crux of the matter…
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21. The ‘W’Advantage
•Maternal Health Service Support (MHSS)
• Personal Loans
• Vehicle Finance
• Mortgage Finance
• Business Loans
Access
to
Finance
• The W Community
• Financial Education Programs
• Networking Events
Access
to
Markets
• Coaching Programs
• Women Empowerment and Mentorship
Programs
• Access to Professional Business and Family
Mentors
• Opportunity to become a mentor to other
women
Mentor-
Mentee
Program
•Maternal Health Service Support (MHSS)
• W Academy
•Breakfast with W Series
Capacity
Building
• Power of 100… Women who have helped shape
Nigeria
•W Awards
Recognition
platforms
• The 1st online community of women in Nigeria
• A community of truly inspired and empowered
women
• Access to a wide range of business contacts
• Access to a host of helpful tips on health and
family matters
The W
Community

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25. Women! Let’s Save
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#familyinfocus

27. Enquiry?
For more information or clarification on any of these
services, please
Women Banking team on 01-2364875 or our
Bilingual 24/7 Contact Center on 01-2712005
womenbanking@accessbankplc.com
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29. Thank you