This document provides information on banking products and services for businesses and individuals. It discusses the role of different types of banks and outlines Access Bank's corporate philosophy and values. Products are described to meet the needs of personal women, female entrepreneurs, and their dependents. These include accounts, loans, and services. The document also introduces the bank's alternate banking channels like internet banking, mobile banking, debit cards, and a mobile payment solution.

1. Choosing the appropriate product for your Business and
Personal life
March 2016
Lanre Odufuwa

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
Role of Banks
The Ecosystem of a Woman
The female entrepreneur and her value chain
The W segments
Banking on the GO: Our Alternate Channels
©2013 ACCESS BANK PLC 2

4. Role of Banks
Specialized Banks Merchant Banks Commercial Banks Microfinance Banks
Provide mid/long term
credit to companies in key
economic sectors
Raise finance for issue
of shares, debentures,
bank loans, etc.
Mobilizing saving for
Capital Formation. Funds
are channeled to
productive purposes.
Grant access to credit
facilities for individuals
and micro enterprises
The development of small
scale industry & projects
in backward areas.
Act as brokers in the
stock exchange i.e.
buying & selling shares.
Provide short, medium and
long-term finance to the
industry players
Poverty alleviation
Assist in setup of new
projects, modernization of
existing industrial
concerns
Deal & underwrite short-
term money market
instruments (e.g. bills,
bonds, CPs
Promote the process of
monetisation (conversion
of debt into money) in the
economy.
Improve in Skill
acquisition through
capacity building
among poor people
Offer technical and
managerial advice to the
Industry
Financial advice for
modernization &
expansion (e.g. mergers
& acquisition, JVs)
Help in economic
development (monetary
policy formulation)
Reorientation of the
rural populace on
financial practices,
maternal health care,
girl child education.
All institutions play an intermediation role of transferring surplus cash to areas of deficit

5. Ecosystem for the Personal Woman
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BANKING MY
PERSONAL NEEDS
 Receive income/salary
 Pay your bills
 Save towards a goal (i.e.
vacation, car, home)
 Transfer funds
 Support my dependents
 Bank on the GO
 Save for my children's
future
 Personal upkeep / Pocket
money for my teens
 Divest/hedge my portfolio

6. Products to suite your personal needs
• Access to overdraft and loan
facilities for qualified
customers at very competitive
rates.
• Convenient & flexible account
opening requirements
• Allows third party withdrawals
Individual
Current
Account
• Opportunity to earn interest in
foreign currency
• High yield on savings
• Allows ease of trans border
transactions
Domiciliary
Accounts
USD$ GBP£ EURO€
• Allows to save towards future
financial security
• Convenient & flexible account
opening requirements
• Access your accounts on the
go via account our alternate
channel platforms
• Rewards you with high
earnings on your deposits
Premier
Savings
Account
• Achieve your goals or dreams
through a structured savings
plan e.g. weddings, building
projects
• It Rewards your savings effort
with high interest earnings
• Provides account information
updates via SMS/Email alerts
Target
Savings
Account

7. •Easy Access to a Youth Financial
Advisor
•Special Package for your customers
turning 18
•Your teens get invited to personal
development workshops and seminars
•They have access to Access to
exclusive events at discounted rates
•High earnings on their deposits
Solo
Account
• Provides you the opportunity to start saving
fro your child from conception
• Allows direct debit for the payment of your
child’s school fees once a quarter
•Gives you access to Educational Loans
•Your Children become a part of the Early
Savers club
•Financial Literacy for your children
Early
Savers
Account
• Easy to open and operate for
your dependents
• Access to cash anytime,
anywhere with debit cards on
ATMs
Instant
Savings
Account
• Access to free financial
advisory service and other
lifestyle
• Free Banking for life for your
elderly parents ages 60+
Evergreen
Account
Products to suite your dependents

9. The female Entrepreneur and her Value Chain
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 Payroll
Management
 Loans
 Salary accounts
 Alternate Channels
 Cash
Management
 Collections
 Invoice payment Bill Payments
 Funds
Transfer
 Alternate
Channels
 Sector led
Financing
 Working Capital
 Fleet Financing

10. Products to support your business
9
Middle Mgt.
Officer/ Support Staff
 Business start up friendly
 Is a cost saving current account
 No account maintenance charges
 Easy Access to a Business Banking Officer
 Deposits of cheques & dividend warrants
 Specially designed for business oriented people and
small / medium size owners
 Minimal Account Maintenance charges
 Access to SME Seminars
 Capacity development opportunities
 Access to Technological Platforms
 No restriction on Number of withdrawals
 Daily Balance not required
 Easy Access to credit facility
 Access to Technological platforms
 Access to Bouquet of W privileges
Gold
Current
Account
Mpower Biz Account
Corporate Account

11. 10
The W Segments
 Everyday Banking Account
 Target Savings Account
 Premier Savings Account
 Automatic Salary Advance
 Wide Range of Loans offerings at
Discounted Rates (Vehicle Loans,
Credit Card, Educational Loans,
Personal Loans, Maternal Health
Support etc.)
 Current account (Single/Joint)
 Target Savings Account
 Premier Savings Account
 Early Savers for Children
 Solo Account for Youths
 Instant Savings for Dependents and
Domestics
 Automatic Pay Day Advance
(Women Employees)
 Corporate Current
 Mpower Biz accounts
 Business loans
 Everyday Banking Account
 Instant savings account
 Business Loans: (Trade Credit,
Overdrafts, Vehicle loan, Facility
Upgrade Financing, Commercial
Equipment loans and more)

12. Our Channel Solutions
- An electronic banking
channel that allows
you access your
accounts and conduct
financial transactions
on a secured website
- Enables you initiate
transactions within
Access Bank accounts
and across banks
online, real time and
from the comfort of
your offices / homes.
- A card-based account
based and menu-
driven mobile banking
solution which gives
you direct access to
your bank account, just
from the screen of your
mobile phone
- With access mobile,
you barely require the
services of your
account officer or the
physical branch itself
as you can perform a
variety of operations
- A card that provides
you electronic access
to your bank accounts
via an ATM, Online
and POS terminal.
- Used as an alternative
payment method to
cash when making
purchases.
- PayWithCapture is a
Mobile Payment
Enabler Solution with
an innovative way of
making payment via a
user’s phone camera
to scan a merchant’s
Q-R- Code
- Solves a major
payment headache by
allowing user’s make
payments without
internet connectivity
yet payments are
processed real-time.
A snap shot of some of our alternate Channels
PayWithCaptureInternet Banking Mobile Banking Debit Card