ACCESS FACT SHEET

SPEED SERVICE SECURITY China UAE The Lebanon India • • • • REP OFFICES 4 representative offices in: offices representative has successfully established has successfully and subsidiary of Access UK. and subsidiary of Access 7Million+ Customers Students| Students| Pensioners UHNIs | HNIs Affluent Professionals Employees Chain in the Value Traders Informal Leaders Religious Personal Banking The former representative office office representative former The Over the past three years, the Bank the Bank years, past three the Over located in Dubai UAE is now a branch a branch is now in Dubai UAE located Trade Services Trade Consumer Consumer Payroll Management Payroll Current & Savings Accounts & Savings Current Zambia Rwanda Distributors & Dealers Distributors & Exporters Importers Institutions Educational Organizations Religious Providers Healthcare Professional Associations Agencies Travel Contractors Commerce Oil & Gas | Hospitality 300,000+ Customers Purchases, Payment Advances & Money Transfers & Money Advances Payment Purchases, Business Banking Congo Ghana 170,000+ Customers Federal, State & State Federal, MDAs Local & Corporate Banking Investment Chain Value Corporates Local Asian Corporates Commercial Commercial Banking Headquaters Subsidiaries Treasury Gambia Sierra Leone STATISTICS Cash Management Liquidity Management Liquidity Trade / Structured Financing / Structured Trade FUNDAMENTAL FUNDAMENTAL Distributor / Supply Chain Financing / Supply Distributor United Kingdom United Cement & Construction Oil & Gas Transportation Manufacturing Agriculture Institutions Financial Telecommunications Corporate & Corporate Banking Investment 600+ Customers 7 BANKING SUBSIDIARIES 7 BANKING Distribution Network as at December 31, 2016 December at as Distribution Network Headquartered in Nigeria, the Bank serves its various markets through four business segments: Personal, Personal, segments: business four through markets various its serves Bank the Nigeria, in Headquartered & Investment. and Corporate Commercial Business, 2

FACT SHEET ($350m Senior bond) ($350m Senior 55% Corporate Social Social Corporate Responsibility (Pan-) Best Bank in Nigeria, Bank Best Awards BusinessDay 2016 ($400m Tier II bond) ($400m Tier 3,928Professional Staff Staff 3,928Professional 31, 2016 as at December ($300m Senior bond) ($300m Senior 383 Branches 45% Staff Distribution Staff (Primary equity listing) equity (Primary Customers 31, 2016 as at December Listings m 8 EMEA Finance African EMEA Finance 2016: Awards, Banking in Nigeria Bank Best 2016 Karlsruhe The Outstanding Business Award Sustainability A+ Agusto & Co Agusto 1,604 ATMs 4.4 BBB 9,947 Cards Post Terminals Post A Best Bank Transformation, Transformation, Bank Best Awards, Euromoney 2016 Bank of the Year, Bank Awards Banker The 2016 Aa2 Credit Ratings Credit expansion into high-impact EMEA countries. Over the past two years, the Bank has successfully has successfully the Bank years, the past two Over high-impact EMEA countries. into expansion east, and in line with our far from the flows trade to support offices established representative compliance and risk management framework. The officeformer locatedrepresentative in Dubai, UAE is UK. and subsidiary of Access a branch now We provide tailored products and first class service to our customers. The Bank’s strategic intent includes intent strategic Bank’s The to our customers. class service and first products tailored provide We Awards & Recognition Awards 3

FACT SHEET Mrs. OjinikaOlaghere FCA FCA OjinikaOlaghere Mrs. Operations Director, (Executive Technology and Information Dr. Gregory Ovie Jobome Ovie Gregory Dr. Director, Executive Division Risk Management Mr. Paul Usoro, SAN Usoro, Paul Mr. Director Non-Executive Mr. Abba Mamman Mr. Habib Tor Director Non-Executive Executive Director, Director, Executive Business Banking Mrs. Titi Osuntoki Titi Mrs. Independent Mr. IboromaTamunoemi Mr. Akpana Director Non-Executive Dr. Ajoritsedere Awosika Ajoritsedere Dr. MFR (Independent Director) Executive Director, Director, Executive Division Banking Personal Mr. Victor Etuokwu Victor Mr. Mrs.Mosun Belo-Olusoga Mrs.Mosun (Chairperson) Independent EXECUTIVE EXECUTIVE Mr. AdeniyiAdedokun AdeniyiAdedokun Mr. Adekoya Director Non-Executive Mrs.Anthonia Olufeyikemi Mrs.Anthonia Ogunmefun Director Non-Executive MANAGEMENT Mr. Roosevelt Ogbonna Roosevelt Mr. Deputy (Group FCA Director) Managing BOARD OF DIRECTORS BOARD Mr. Emmanuel Chiejina Mr. Director Non-Executive Dr. Ernest Ndukwe, OFR Ndukwe, Ernest Dr. Independent Director Mr. Herbert Wigwe Mr. FCA Director) Managing (Group 4

FACT SHEET 2013-2017 Issued US$400m Tier II Issued US$400m Tier Notes Subordinated US$209m in equity Raised of a Rights way capital by Issue N35bn Commercial Raised paper Issued US$300M Eurobond Appointment of Herbert and as MD / CEO Wigwe as DMD Obinna Nwosu diversified a large to Transition banking institution 2007-2012 Designated as a Systemically as a Systemically Designated the CBN by (SIB) Important Bank Established Access Bank UK Bank Access Established largest fourth as the Emerged the Nigerian bank following acquisition including a highly successful and successful including a highly GDR over-subscribed from US$150m stock Investors Multinational Institutional Bank of Intercontinental Acquisition Issued US$350m Eurobond Raised US$1.1bn in public offerings, US$1.1bn in public offerings, Raised HISTORY OUR CORPORATE CORPORATE OUR 2002-2006 requirements largest becomes FMO through investor institutional of US$15m term conversion loan Raised US$114m in public Raised meet capital issues to Embarked on a 5-year on a 5-year Embarked agenda transformation of acquisition Successful Capital and Marina Appointment of Aigboje Aig-Imoukhuede as MD / and Herbert Wigwe CEO as DMD With the vision of becoming one of the most respected banks in Africa, Access Bank has emerged as a top a top as emerged has Bank Access in Africa, banks respected one of the most vision of becoming With the in Nigeria bank three 5

FACT SHEET 90 Dec’16 75 Dec’15 52 Dec’14 44 Dec’13 Pre-tax Profits (N’bn) Profits Pre-tax Consistent growth in PBT, in PBT, growth Consistent improved from benefitting largely efficiency operating Our aim is to accelerate our corporate and retail and retail our corporate accelerate Our aim is to appetite) risk moderate our with line (in footprints our digital technology and leveraging advancing by retention and acquisition customer increased for in. operate current we all the markets across We will focus on our strength as a large diversified global reach, bank, with strong commercial tailored provide to management and partnerships, to our customers. class service and first products 8 TRAJECTORY Dec’16 OUR GROWTH GROWTH OUR 7 Dec’15 Our Goal: financial metrics key across and markets 3 position in our chosen in the top rank To 2017 by 5 Dec’14 4 will foundation solid our that expectation our is It boost the capacity Bank’s to our of deliver strategy position in our chosen three in the top ranking 2017. by markets wholesale and has a strong Bank Access generating franchise, retail fast-growing with returns economic sustainable and healthy growth. for prospects excellent With our vision of becoming the world’s most the world’s With our vision of becoming bank has sustained bank, Access African respected corporate its award-winning through growth robust and risk management framework. governance Dec’13 Our strategy continues to drive drive to continues Our strategy and profitability: growth customer customers 4 million new and corporate) individual (both 2013 since Since 2013, Access Bank has driven its bold strategy through increased focus on the transformation of its operating model operating of its on the transformation focus increased through strategy bold its driven has Bank 2013, Access Since 6

FACTFACT SHEET SHEET #4 ATMs ATMs 43.6% Liquidity Ratio Liquidity 2.1% NPL Ratio Stable and experienced management team management team and experienced Stable of Directors Board regarded Highly professional management with average Senior of 24+ years experience best and compliance risk management Strong practices Strong Corporate Governance Governance Corporate Strong #3 POS Terminals Terminals POS $ $ $ 21.0% STRONG

Total Capital Adequacy Total #4 17.4% After-Tax ROAE After-Tax FINANCIAL INDICATORS FINANCIAL Number of Branches Number of Branches Disciplined Growth & Consistent & Consistent Disciplined Growth Achievement innovation channels and serviceofferings channels and serviceofferings digital through growth retail Driving integration of (ICB) in 2011 (ICB) Bank of Intercontinental integration in share market Expanding and consolidating distribution segments, and retail corporate Outstanding M&A track record: Outstanding M&A track and acquisition Successful Top 3 Bank with a strong and well-respected brand and an extensive retail platform: platform: retail and an extensive brand well-respected and with a strong 3 Bank Top Ranking: Leading Bank in Nigeria 7

FACT SHEET alone grow its collections by 147% from N1.5 147% from by its collections alone grow N3.3 trillion in FY’16. trillion in FY’15 to amongst the SBUs to drive sustainability sustainability drive to amongst the SBUs the past chain. Over value entire the throughout of data the use has also adopted the Bank year, collections grow to technology and analytics and Corporate chain of top the value across has This customers. Banking Commercial as its the Bank, for results yielded positive (CIBD) Division Banking and Investment Corporate technology. of N381 billion, compared to its peers. its peers. to of N381 billion, compared to N90 billion, up soared tax before while profit solid performance 2015. This 20% from to focus of our strategic the value underscores on our concentrating by growth sustainable drive superior service chain model, delivering value in best-in-class and investing our customers to ADVANTAGE COMPETITIVE

(employees, vendors, distributors, etc). The Bank Bank The etc). distributors, vendors, (employees, across processes existing re-engineered also has collaboration enable enhanced to the Group acquisition and retention for the Bank. To this end, To the Bank. for and retention acquisition and align its products to continues Bank Access clients of its corporate the activities to services chain in the value stakeholders and various The Bank’s The value chain Bank’s model is a key competitive indifferentiator today’s market, and itscontinued share market increased application has led to Value Chain Banking Value years, we have shown exemplary performance in performance exemplary shown have we years, financial and non-financial on our delivering as the Bank no exception, 2016 was objectives. in earnings the highest growth recorded trajectory – ascending from the 65th position in from – ascending trajectory in 3 banks in the country one of the top 2002 to 2016. the over growth our rapid by As demonstrated Access Bank has enjoyed an extraordinary growth growth an extraordinary has enjoyed Bank Access 8

FACT SHEET for Women Women for Awards Awards to women women to Product Bundles Product Women and Family Women Young Professional Professional Young Women in Business Women Entrepreneurial Entrepreneurial Recognizing and Recognizing celebrating women women celebrating ceremony dedicated ceremony achievers in an award in an award achievers needs (MHSS) W Value W Value Collaterals Collaterals access to loans access to Propositions Great Ideas! No Great Maternal Health Maternal Service Support Service Support but with capacity but with capacity monitoring as well as well monitoring Bespoke financing Bespoke for Maternal Health Maternal for not just with flexible just with flexible not Supporting start-ups start-ups Supporting building and business - manner Nigeria Program Program nity.com 1st online for women in women for in a structured in a structured Women helping Women W Community W Community Mentor-Mentee Mentor-Mentee other women grow grow women other www.thewcommu interactive platform platform interactive ported by an online interactive community that is dedicated to women, known as The ‘W’ as The known women, to that is dedicated community an online interactive by ported sup It is also www.thewcommunity.com Community: We believe that women are a powerful and key catalyst for change. Therefore, The ‘W’ is the home of The change. Therefore, for catalyst and key a powerful are that women believe We bank with. of who they women irrespective to all women and is open offers Bank Access everything. requirements titled The ‘W’ Initiative. titled The requirements In 2006, Access Bank embarked on a more robust strategy to empower Nigerian women. After working working After Nigerian women. empower to strategy robust on a more embarked Bank In 2006, Access a into evolved program the 8 years, for in women invest to Movement Empowerment the Gender through and lifestyle career with banking solutions that meet their diverse women provide plan to robust Women Banking Women 9

FACT SHEET 59% 454 90 FY’16 Dec’16 1,855 Dec’16 Dec’16 368 FY’15 Dec’15 62% 277 Dec’14 FY’14 62% 75 1,409 Dec’15 Dec’15 244 Dec’13 (N’bn) FY’13 73% 241 Dec’12 FY’12 Total Equity Equity Total Loans and Advances (N’bn) Loans and Advances Ratio (CIR) Cost-to-Income Profit Before Tax (N’bn) Before Profit 60% 273 2,089 Dec’16 FY’16 71 381 235 Dec’16 Dec’16 1,683 FY’15 Dec’15 HIGHLIGHTS (N’bn) 168 1,454 Dec’14 FY’14 GROUP FINANCIAL GROUP 66 139 337 1,331 Dec’13 FY’13 Dec’15 Dec’15 141 1,201 Five-Year Trend for Select Performance Indicators Indicators Performance Select for Trend Five-Year Dec’12 FY’12 Deposits Customer Operating Income (N’bn) Income Operating Profit for the Period (N’bn) for the Profit Underlying in millions of Naira unless otherwise stated unless otherwise Underlying in millions of Naira Gross Earnings (N’bn) Gross 10

FACT SHEET 16% Dec’16 23% 19% 27% 20% 15% Dec’15 46% 40% Dec’15 12% 12% 14% Dec’14 Over 240 ATMs and one 240 ATMs Over by powered fully branch solar energy. resulted initiative Recycling of waste in 53% reduction head office the Bank’s from that go to and annexes landfill. 11,220 employees 11,220 employees 803,556 over volunteered community for hours initiatives. development improved 100,000 lives Over in initiatives various through 306 communities. Deposit Contribution Deposit Dec’16 18% Dec’13 - 3% 21% Capital Adequacy Ratio (CAR) Dec’12 4% 4% 40% 38% 4% Dec’15 52% 55% Loan Contribution 2.1% First African Financial African Financial First win the Karl to Institution Finance sruhe Sustainable “Outstanding for Award Business Sustainability in 2016 Achievement” time consecutive Four Finance winner of the World Sustainable Best for Award of the Year Bank Dec’16 Dec’16 Championed initiative Malaria-to-Zero private which galvanises to resources sector malaria in Nigeria. eliminate of United Co-Chair Nations Global Compact Network Local 1.7% Dec’15 11% 0.4% 1% 46% -6% 2.2% 69% Dec’14 FY’15 36% Dec’13 2.7% PBT Contribution PBT 43% FY’16 the Access Established which Network Women for a platform provides to employees female their professional accelerate development. and personal Gender balanced Board of Board Gender balanced with 39% of the Directors women held by leadership Chair, Steering Committee Committee Steering Chair, of the Nigerian Sustainable (NSBP) Principles Banking Initiated, developed and developed Initiated, led discussions on the establishment of the Banking Nigerian Sustainable (NSBP) Principles Dec’12 Sustainability sustainability to commitment a sincere demonstrated consistently the years has over Bank Access Access to integral more business functions becoming and its core operations its various principles across objectives. business strategic Bank’s 5.3% NPL Ratio NPL Ratio 11

FACT SHEET OUR SERVICE MANTRA Exceptional Service Customers Our DNA… Our Priority…

Corporate Head Office: Plot 999c Danmole Street, Off Adeola Odeku / Idejo Street, Victoria Island, , Nigeria. www.accessbankplc.com