Corporate Social Responsibility Report 2011 Report Access Bank Plc Responsibility Social Corporate Access Bank Plc The Plaza Access Bank Plc Plot 999c, Danmole Street Corporate Social Responsibility Off Adeola Odeku/Idejo Street PMB 80150 Report 2011 Victoria Island Lagos Nigeria T: (+234) 1-2771191, 2773300-99 F: (+234) 1-2771185 www.accessbankplc.com
Awarded
Sustainable Bank of the Year Award, Middle East and Africa Sustainable banking for a sustainable future Sustainability is the BANKERS’ COMMITTEE JOINT STATEMENT OF COMMITMENT cornerstone of our BY MEMBERS OF THE BANKERS COMMITTEE “THE NIGERIAN SUSTAINABLE BANKING PRINCIPLES”
As leaders in the Nigerian financial sector, we are uniquely positioned to further economic SIGNATORIES business philosophy. growth and development in Nigeria through our regulatory, lending and investment Sanusi Lamido Sanusi activities across a diversity of segments and sectors of the Nigerian economy. The context in Central Bank of Nigeria Umaru Ibrahim which we make business decisions is, however, characterized by complex and growing Nigeria Deposit Insurance Corporation challenges relating to population growth, urban migration, poverty, destruction of Tunde O. Lemo Central Bank of Nigeria biodiversity and ecosystems, pressure on food sources, prices and security, lack of energy Suleiman Barau Only by delivering and infrastructure and potential climate change legislation from our trade partners, Central Bank of Nigeria Sarah O. Alade amongst others. Central Bank of Nigeria
Kingsley Moghalu Increasingly, it has been demonstrated that the development imperative in Nigeria should Central Bank of Nigeria not only be economically viable, but socially relevant and environmentally responsible. We Aigboje Aig-Imoukhuede social, economic and recognize that we have a role and responsibility to deliver positive development impacts to Access Bank Plc society whilst protecting the communities and environments in which we operate – for Emeka Emuwa today's generation as well as for future generations. We believe that such an approach, Citi Bank Nigeria Limited one of sustainable banking, is consistent with our individual and collective business Alex Otti objectives, and can stimulate further economic growth and opportunity as well as enhance Diamond Bank Plc innovation and competitiveness. Jibril Aku Ecobank Plc environmental value Given the above considerations, we are prepared to take steps to ensure that our business Ahmed Karu Enterprise Bank Ltd decision-making activities take these considerations into account and are, where Gbolahan Folayan applicable, consistent with relevant international standards and practices, but with due Equitorial Trust Bank Ltd regard for the Nigerian context and distinct development needs. Ladi Balogun First City Monument Bank Plc
Reginald Ihejiahi today, can we create Consequently, we hereby state our commitment to developing and Fidelity Bank Plc launching a voluntary set of Nigerian sustainable banking principles which Suzanne Iroche will include: Finbank Plc Stephen Olabisi Onasanya 1) An over-arching set of guidelines relating to our: (a) direct First Bank of Nigeria Plc impact on communities and the environment as a result of our Segun Agbaje Shareholder value own business operations; and (b) indirect impacts on Guaranty Trust Bank Plc Victor Etuokwu communities and the environment as a result of our lending and Intercontinental Bank Plc
investment activities; Oti Ikomi Keystone Bank Ltd
2) A set of sector-specific guidelines, including as a first priority: (a) Faith Tuedor-Mathews oil and gas; (b) power (with a focus on renewable energy); a n d Mainstreet Bank Ltd for tomorrow. (c) agriculture and related water resource issues; John Aboh Oceanic Bank Plc
3) A commitment to raising awareness and developing meaningful and Kehinde Durosinmi-Etti lasting local capacity to manage emerging environmental and social Skye Bank Plc Sola David-Borha risks and opportunities within our internal operations, as well as to Stanbic IBTC Bank Plc relevant financial sector government agencies, learning institutions Bola Adesola and service providers. Standard Chartered Bank Nigeria Ltd
Razack Adeyemi Adeola Sterling Bank Plc In developing these sustainable banking principles, we recognize the need for a process Phillips Oduoza which involves the engagement of relevant stakeholders and industry experts. We also United Bank of Africa Plc recognize the need for an approach which provides for appropriate levels of transparency, Funke Osibodu accountability and self-assessment through regular reporting to our stakeholders. We will Union Bank of Nigeria Plc seek to work with the Central Bank of Nigeria, other relevant government agencies and Ado Wanka development finance institutions to create the enabling environment as well as the Unity Bank of Nigeria Plc Segun Oloketuyi incentives and enforcement mechanisms required for successful adoption and uptake of Wema Bank Plc the sustainable banking principles. Godwin Emefiele Zenith Bank Plc
We acknowledge that we can better support environmentally and socially responsible Abubakar Jimoh economic development in Nigeria by joining forces rather than standing alone. We hereby Associated Discount House Ltd
sign this Joint Commitment Statement with the aim of developing a set of sustainable Adeleke Shittu banking principles for the Nigerian banking sector, to drive long-term sustainable growth Consolidated Discounts Ltd whilst focusing on development priorities, safeguarding the environment and our people, Kwesi Sagoe and delivering measurable benefits to society and the real economy. Express Discount Ltd Rilwan Belo-Osagie First Securities Discount House Ltd
Laoye Jaiyeoba Kakawa Discount House Ltd
Designed and produced by MerchantCantos, www.merchantcantos.com Printed by Empress Litho Limited Printed on Greencoat 55 Silk which is carbon balanced paper. This means the carbon intensity has been measured through the production process and an equivalent carbon credit (offset) has been purchased. It is made from 55% recovered fibre, diverting waste from landfill, and contains material sourced from responsibly managed forests together with recycled fibre, certified in accordance with the FSC (Forest Stewardship Council). It is manufactured to the ISO 14001 international standard, minimising negative impacts on the environment. Overview Customers Employees Environment Supply Chain Communities Other Information
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30 44 k Plc Access Bank Page Page The Fight Against AIDS, Sub-Saharan Africa TB and Malaria in Community Investment Data Key Objectives and Goals Objectives Key in the Marketplace Issues Key Health Education in the Workplace Employee Volunteering GRI Data Table Assurance Statement and Commentary Corporate Directory Energy Consumption Energy Usage Water Transport Business and Materials Paper Social andEnvironmental, GovernanceCorporate Integration in InvestmentE&S Issues and Risk Management Communities Employees 44 45 48 50 59 62 Supply Chain 42 Communities 44 Other Information 55 39 39 39 40 40 40 Corporate Social Responsibility Report 2011
36 Page Employee Satisfaction and Motivation Core Competence – Areas of Concern Staff Attrition: January – December 2011 Full-Time Benefits to Employees Key Issues in the Issues Key Marketplace a High- Building Workforce Performance Human Rights Diversity and Employee Engagement Our Environment Impact Climate Change Issues in the Marketplace Key Sustainable Finance Environment 30 30 32 32 32 Participation 33 Satisfaction Index 34 34 Summary of Comments 34 35 Empowerment 35 Female Activities 35 Key Environment 36 36 37 38 Employees 30 22 42 Page Page Group Managing Director/ Group Managing Officer’sChief Executive Statement Project 5-Star Performance Project 5-Star Performance Improvement Scheme Executive Summary Executive Customer Ombudsman About this ReportAbout StatementChairman’s at a Glance Our Business Financial Highlights Our Approach to Sustainability Key Issues in the Issues Key Marketplace Our Customers Customer Satisfaction Survey 2011 Customer Service Week Communications and Promotions Financial Inclusion Fighting Corruption Overview 01 02 04 05 06 09 10 Customers 22 22 23 24 25 27 28 29 29 Supply Chain Customers
. www.globalreporting.org Our last report covered the period from 2010. 2010 to 31 December, 1 January, This Report is our fourth and sets out our sustainability performance for the financial year January to December and figures refer to the 2011. Facts Group unless indicated otherwise. Financial data is presented in Naira. This year’s report builds on the achievements of last year’s by providing comprehensive views from our Stakeholders. In addition, we have set out our involvement in the community using the London Benchmarking Group (LBG) model, which enables us to articulate the Bank’s contribution to community development, by measuring cash, in kind and time. In developing this report, we have also adopted relevant international standards and guidelines such as the AA1000 Assurance Standards and the Global Reporting Initiative (GRI) G3 Sustainability Reporting Guidelines – The assurance process was carried out in accordance with the AA1000 Assurance Standard and through on-site visits and interview sessions with several managers and heads of Strategic Business Units around the Group. The Access Bank Group 2011 Sustainability Report presents a balanced analysis of our sustainability performance strategy in relation to issues that are relevant and material to the Group and to our Stakeholders. see A GRI context index is provided on page 55 and details of our performance, in line with the GRI financial sector supplement, are available on our website – . www.accessbankplc.com/csr The Assurance for the Access Bank Group 2011 Sustainability Report was provided by Corporate Citizenship, a leading independent third party assurer of corporate responsibility reports. About this Report Contents Executive Summary
Millennium Development Goals (MDGs). We believe that our Our sustainability journey economic performance is closely related to our environmental has moved out of the footprints and people values. • Environmental benefits – Protecting the environment is a top exploratory phase into the priority at Access Bank. We are committed to conducting our business in an environmentally friendly manner. To this end, leadership phase to a point we have upgraded our environmental and social (E&S) risk where we are encouraging management practices to address key environmental and social issues that are specific to the processes and activities the wider African financial of our business. industry to ensure societal We are continually advancing on the ‘sustainability journey’. Through increased awareness and compliance, we have reached sustainability. a higher level of sustainable banking. We understand that big challenges require big solutions, and that no single community, or organisation can do it alone. That is why we continually Creating a successful and sustainable business is of great maximise our influence to drive down costs, increase our importance to the Bank and goes beyond financial performance. accountability, and bring ourselves closer to the customer. Our commitment to building a sustainable business is Our sustainability journey has moved out of the exploratory demonstrated through our emphasis not just on what we phase into the leadership phase to a point where we are achieve but on how we achieve it. encouraging the wider African financial industry to ensure societal sustainability. As an indigenous African organisation competing locally and globally, we are concerned about our future and about the We support ongoing reforms and improvement to the financial impact of our business either directly through our own activities system and lead by example through continued prudent risk or indirectly, through the business activities of our clients. management and capital allocation decision-making while also Therefore, we consistently make efforts to ensure sustainability acting as a strong advocate for tested methods to encourage is part of the mainstream of our business operations and systemic stability, accountability, transparency and responsibility. decision-making process. Engaging Stakeholders Our 2011 Sustainability Report discloses our sustainability In March 2011, Access Bank organised an internal capacity efforts in the year, the areas requiring improvement, and our building workshop for staff to increase knowledge of plans going forward. We are committed to continue meeting Environmental & Social Risk Management and positively the needs of the present without compromising the ability of influence the industry by setting the pace for staff training future generations to meet their own needs. in sustainable banking. In addition, an external workshop Corporate philosophy for Nigerian financial institutions created awareness of environmental and social issues. This was done in partnership To this end, the concept of sustainability has influenced our with development finance institutions such as International corporate philosophy and is a critical part of our corporate DNA. Development Bank of the Netherlands (FMO), International Our values underpin our strategic approach to sustainability. Finance Corporation (IFC); African Development Bank (AfDB) and As a leading financial services provider in Nigeria, Access Bank Proparco. Continuing these efforts, in September 2011, Access consistently enhances its ethical standards and balances social, Bank organised an extensive Stakeholder programme entitled economic, and environmental imperatives in order to address The Nigeria Sustainable Finance Week, which brought together the concerns and expectations of all our Stakeholders. key Stakeholders within the local and international community • Social benefits – The Bank actively seeks ways to create and provided a platform for training, exchange of ideas and positive social change. We therefore create opportunities progressive partnerships on sustainable finance. This event for people while creating opportunities for our business. climaxed with the CEO Roundtable at which the CEOs of banks Our efforts in this regard include addressing poverty, operating in Nigeria, through the Bankers Committee, education, health, human rights, arts and culture. We seek established the Strategic Sustainability Working Group (SSWG) to create long-term economic and social benefits from our with responsibility for drafting the Nigerian Sustainable Banking projects and presence. Principles. The SSWG reports to Access Bank’s Group Managing • Economic benefits – We appreciate that we are in business to Director/CEO given his role as the Chairman, sub-committee on maximise Shareholder value while considering the social and Economic Development and Sustainability. environmental impact of every aspect of our operations. Our Access Bank serves as the Secretariat for SSWG and, by contributions to economic development allow us to reduce October 2011, all CEOs of Nigerian banks had signed the barriers to development in the communities where we operate joint commitment statement on the Nigerian Sustainable and are consistent with the objectives of the United Nations Banking Principles.
Access Bank Plc Corporate Social Responsibility Report 2011 02 Overview
03 k Plc Access Bank Tree Planting during the launch Tree of the Bank’s 2011 Going Green, Initiative Beyond Words Corporate Social Responsibility Report 2011 Peer educator talking to students educator talking Peer during the Bank’s HIV/AIDS School Education Programme
Access Bank’s Peer EducatorsAccess Bank’s Peer Financial inclusion to the success of our business and hasSustainability is important as an organisation. It has further enabledinfluenced our strategy efforts at addressing extreme povertythe Bank to support global of products and services aimed atthrough the development that a large number of people are stillfinancial inclusion. Given unbanked, there is a significantly low leveleither underbanked or poor access to information is apparent.of financial literacy and of establishingend, Access Bank is committed to the goal this To services that encourages savings from theseries of products and believe that when it comes passionately cradle to adulthood. We money is asto a child’s education, knowing how to manage essential as maths or science. inclusionRecognising this, the Bank’s strategy on financial led to the launch of Access Bank Early Savers account in 2011.led to the launch of Access Bank Early Savers this product provides aged 9 years or below, at children Targeted savings,a solution to financial exclusion by encouraging literacy. and promoting financial understanding and isAt Access Bank, we are fully aware that sustainability have We century. transforming the business world in the 21st and business goalstherefore further aligned our expertise, talent greater social,with our sustainability agenda in order to achieve economic and environmental value. Access Bank givesThe integration of Intercontinental Bank into our commitmentus a much broader platform for demonstrating to sustainable banking. Chairman’s Statement
At Access Bank Plc, Sustainability is key to operating our business • Financial sector workshops: To transfer this work into the in a way that helps our customers succeed financially while community, we partnered development finance institutions creating long-term economic growth and a better quality of life in a workshop that enhanced awareness among the Nigerian for the communities we serve. It’s a vision that guides every financial sector about the importance of incorporating decision we make. environmental and social considerations into their investment and risk management decision-making. Our sustainability agenda therefore has influenced our growth strategy and the way we conduct our business. We grow our • Nigeria Sustainable Finance Week: Initiated by Access Bank, business by creating value for our customers, employees, this event led to the signing of a Joint Commitment Statement communities and strengthening the financial system. on Nigeria Sustainable Banking Principles by the CEOs of Nigerian banks. This effort, supported by the Central Bank It is an honour to lead Access Bank into a future that builds of Nigeria (CBN) and other regulators, has prioritised upon a tradition of doing business in a safe, environmentally sustainability in the agenda of the Nigerian financial sector. sound and socially responsible manner. These are really exciting times for me, the investors, the customers, employees and other The fact that this and all the other pioneering work detailed in Access Bank Stakeholders. The merger with Intercontinental this report has been recognised through a number of awards – Bank has positioned us among the Big 4 financial institutions most notably, the FT/IFC Sustainable Bank of the Year Award in Nigeria. With a combined turnover of N138,949,414,000, (Africa and Middle East), BITC Big Tick Award, World Finance 7,051 employees, 310 branches and serving an estimated ESG Award, and Ecofest Environmental Award – may come as 5 million customers, we are a significant business by the icing on the cake for the many employees whose efforts any standard. contribute to our sustainability programme.
Sustainability in the mainstream Values and principles Sustainability is at the heart of this growth and has a significant But this work is about more than just awards. It’s about ensuring influence on the review of the Bank’s corporate philosophy. that we are responding to Stakeholder concerns about our key With that in mind, I am delighted to say that this report shows social and environmental impacts, it’s about ensuring the Bank’s how the Bank is making steady progress with regard to social, values and principles continually underpin our business activities, economic and environmental responsibilities. The continuing and it’s about moving further towards the ultimate goal of process of making sustainability a mainstream component of sustainable development. our business has also positively impacted the financial sector, Celebrating achievements, sharing best practices and by supporting industry growth. acknowledging shortcomings is important for our business. Since our last report, we have continued to strengthen We welcome you to our 2011 Sustainability Report and we our sustainability initiatives through dedicated efforts, look forward to your candid feedback. innovative programmes and leadership in business practice and community investment. Highlights from 2011 include: • Staff workshops: To ensure seamless mainstreaming of sustainability into our organisation, we conducted a series Gbenga Oyebode, MFR of capacity building workshops for staff. The first in the series Chairman, Access Bank Plc was for all staff in the Group office, followed by another for employees at the Bank’s banking subsidiaries. In 2011, the Bank’s Environmental and Social Risk Management training focused on teaching selected staff about the dynamics of the Equator Principles as well as Environmental & Social (E&S) risks. It also showed them how to use the Bank’s finance toolkits when screening lending projects.
Access Bank Plc Corporate Social Responsibility Report 2011 04 Overview
05
k Plc Access Bank
Corporate Social Responsibility Report 2011 a lot of extremely dedicated people to make the changes our world needs to make, but we look forward to being a part of this hope to use our experience and resources to make change. We a better world for the future, and to experience the satisfaction of bringing this about. Aigboje Aig-Imoukhuede Access Bank Plc Group Managing Director/Chief Executive Officer, Global stewardship business operations to improve are taking action across all our We focused on the areas where we are our global stewardship. We and ethics, customerhave the most impact, including governance relationships, employee standards, environmental performance are committed to usingand sustainable products and services. We innovation and sensible environmental steps to grow our business and minimise our impact on the environment. This report sets out what sustainability means to Access Bank in more detail and looks at some of the work we are doing, ranging from the way we do business with our customers, to the work While I am proud of our we do to help communities prosper. achievements to date, I believe that our greatest victories are still know that it is going to take a lot of work from ahead of us. We provision of capital which drives infrastructure development,provision of capital which companies and individuals to purchasecreates jobs, and enables the most profound One of every day. goods and do business in Nigeria, and indeed Africa, can be toimpacts we can have does not, however, This economy. contribute to a prosperous at any cost. mean economic growth that is to drive profitable, ethical economic growth intend We will be and socially relevant. We also environmentally responsible in Africa will lead the way that we do. We a force for good in all where international best practices or, by consistently applying courage to pioneer new standards. we need to, having the we are working to increase our services and Simultaneously, These growthinfrastructure to provide for long-term growth. to communitiesopportunities can provide significant benefits economic in terms of increased employment and local growth can result in recognise that development. We are addressing environmental and social impacts and we projects. potential impacts during evaluations of our a sincereThe Bank has over the years consistently demonstrated its variouscommitment to sustainability principles across and sees sustainabilityoperations and its core business functions objectives. We as integral to the Bank’s strategic business challenges. have continued to respond to global economic environmental responsibility, this end, as part of our social To Bank regularly stewardship, and national foresight, Access financial partners with organisations to mobilise strategic Health andsupport in the Arts and in Education, Environment, the Nigerian NGO Idea Builders take just one example, Sports. To Beyond Words Initiative is our partner in our Going Green; of also partnered with Friends have tree-planting project. We and malaria throughAfrica to support the fight against AIDS, TB education, multi-sectoral advocacy and documentation. As a driver of economic of a driver As theunderstand we growth, sector the financial role that society in modern plays and development
Business expansion in response to increased global demand for our Furthermore, services, we are actively pursuing business expansion. The Bank’s decision to acquire Intercontinental Bank was informed by a vision to become Africa’s most respected bank. This vision believe that banks have a unique role in, is our raison d’être. We if not a responsibility to, society in addition to our duty to help grow local communities and the real economy through the our customers and our employees, upholds the financial system,our customers and our benefits to our host communities.and delivers long-term Bank supports the merger with Intercontinental Strategically, size, market sharethis growth strategy by providing the profile, and ambitions.and reach to attain Access Bank’s objectives which underpins our growth strategy. We therefore drive our We growth strategy. which underpins our performance in a way that valuesoperational and economic we embraceThis is the opportunity we see and the responsibility their potential. in our bid to help millions of Africans unleash strategy and implementation have developed an ambitious We continue to develop and take will plan for the year ahead. We of the previouslyto market innovative products to reach more infrastructureunbanked and open capital flows where our development priorities need it most. as a criticalAs sustainability continues to rise in importance to theglobal business agenda, Access Bank is committed into our business.continued mainstreaming of sustainability will be here decades from envision an organisation that We is what drives us. It is our commitment to Sustainability now. responsibility wecustomers as well as our employees. It is the planet we live on. have to the communities we live in and the recognise sustainableLeading financial institutions such as ours development as a source of investment value. During the year Access Bank has continued to underline the under review, importance of its corporate social responsibility agenda as one of its main principles. As part of the Bank’s determination to support initiatives that will engender a sustainable economy and promote a greener environment, Access Bank in 2011 convened the first ever Nigeria Sustainable Finance Week under the theme Moving Frontiers – Sustainable Finance. This initiative was in collaboration with the United Nations Environment Programme with the aim of educating Finance Initiative (UNEP FI) and FMO, Stakeholders in the Nigerian financial sector about opportunities in sustainable finance. The first of its kind in Africa, the event was Access Bank a major milestone for the Nigerian banking sector. in this regard led other Nigerian Banks in recording a major feat in its bid to incorporate responsible business practice and sustainability considerations into the sector’s operations. Economic growth economic growthOur growth strategy recognises the powerful despite thethat is happening in Nigeria and across Africa And weinclement conditions in the advanced economies. continue to seekremain convinced that these economies will developmentimproved access to financial and infrastructural time to come.across a number of sectors in Africa for a long our continued emphasis has been on sustainable banking,our continued emphasis At Access Bank, we are poised to positively impact societiesAt Access Bank, we are the revenues we generate, thethrough the jobs we create, and the way we engage andimpact of our social investments work with various Stakeholders. was one of growth for the Bank andThe year under review Executive’s Statement Chief The Bank was incorporated in February 1989 as a privately Our Business owned financial institution and commenced banking operations in May 1989. It was subsequently listed on the Nigerian at a Glance Stock Exchange in 1998. The Bank’s Over the Counter (OTC) Global Depository Receipts (GDRs) are traded on the London Stock Exchange.
Comprehensive services The Bank is licensed to carry out international banking services and provides a comprehensive range of financial services. The key business segments of the Bank are: Institutional Banking, Commercial and Consumer Banking, Investment Banking and Private Banking. The key customer segments include: Access Bank Plc is a full Telecommunications, Beverages, Manufacturing, Construction, service commercial bank Oil & Gas, Parastatals, High Net Worth Individuals and Middle with headquarters in Nigeria Income Professionals. We take pride in our ability to add value to clients, leveraging and operations across our unique value proposition to provide innovative and proactive solutions across entire economic value chains. In deploying Sub-Saharan Africa – products and services, the Bank adheres to responsible business spanning the region’s practices and readily commits resources to social investments in fulfilment of its corporate social responsibility convictions. 3 monetary zones – and For more about sustainable business practices visit the United Kingdom. www.accessbankplc.com. We have a diversified Shareholder base comprising local and international institutional and individual investors. The Bank has more than 500,000 Shareholders. The Bank’s Shareholders’ fund is in excess of US$1.2 billion and its strategic intent is to rank among the top 3 Nigerian banks by 2012 and also to become a major catalyst for growth across the African continent.
Nigeria United Kingdom
1 2
2
Number of branches 310 Number of branches 1 Number of employees 3,152 Number of employees 76 Customer accounts 5.7m Customer accounts 1,301
6 8 1 The Gambia Democratic Republic 9 3 of The Congo 6 7 5 7
10
4
Number of branches 6 Number of branches 2 Number of employees 135 Number of employees 74 Customer accounts 17,461 Customer accounts 3,114
Access Bank Plc Corporate Social Responsibility Report 2011 06 Overview 6 7 106 152 07 3,788 17,138 k Plc Access Bank Corporate Social Responsibility Report 2011 5 10 Number of employees Customer accounts Number of branches Number of branches Number of employees Customer accounts Rwanda Burundi 5 2 56 145 9,042 7,801 accounts Access Early Savers account Access Early saving and gets parents/ teaches children about Early Savers financial future. thinking about their children’s guardians Current account Standard account is a checking account designedThe Standard Current the flexibility The account gives for the discerning customer. financial affairs. of managing day to day Call Deposit account account allows customers to save fundsThe Access Bank Call and earning interest. while maintaining liquidity Standard Savings account account helps to save towards futureThe Standard Savings a savings culture, Aiming to encourage financial security. operate. it is easy and convenient to Access Premier account account forAccess Premier account is a high-yield current to meet theirindividuals, with investment benefits designed financial needs. Solo account students and youngThis account provides the opportunity for world-classpeople between the ages 10 and 15 to access financial services. Personal servicescustomised with value package, a total offer We and Our products requirements. individual to suit designed offer We banking easier. everyday to make are tailored services account types: the following
9 4 Number of employees Customer accounts Number of branches Number of employees Customer accounts Number of branches Côte d’Ivoire Zambia 4 82 32 758 9,400 179,270 3 8 Number of employees Customer accounts Number of branches Number of employees Customer accounts Number of branches Primary brands, products and services Primary brands, products and options for individualsAccess Bank offers a full range of product portfolio of financialand institutions through a comprehensive and non-financial services. do business in Nigeria and Africa. The list of internationaldo business in Nigeria in partnership with Access Bank Plcorganisations that are to) respectable organisations suchinclude (but are not limited Finance Company (FMO),as the Netherlands Development Corporation (IFC), Visa International,the International Finance Bank.US EXIM and China EXIM commitment of the Bank’s employees,The understanding and millions of customers and severalover 500,000 Shareholders, have been critical to Access Bank’spartners across the world progress and success. to global best practices, the Bank is a preferred choice ofto global best practices, and multilateral agencies seeking tointernational partners Best practice Best to provide best practices to institutionalise continues The Bank of the quality regarding assurance superior with Stakeholders and functions. structures governance corporate its current in its financial exemplary performance The Bank demonstrates highly strengths include a disclosures. Its and non-financial responsible dynamic and membership; competent, diverse board practices value and good ethical strong economic management; processes.and transparent and high level adherenceAs a result of its professionalism Ghana Sierra Leone Retail Banking Our Business We currently serve over 1.5 million customer accounts. We at a Glance provide a range of financial products and services to customers, employees and major Shareholders of corporations, small continued businesses (including churches, schools and hotels) and government institutions. Transaction Services This division provides a clear example of how the Bank overall is broadening its network and customer base and engaging different categories of customer. By the end of 2011, there was a fourfold increase in the number Access Advantage account of the Bank’s branch locations, and a sevenfold increase in the Access Advantage is a savings account that gives the benefits number of customers served by the Bank compared to 2010. of a current account. The engagement model developed prior to the merger with Wealth Management Intercontinental Bank provides tailored services to the Access Bank Wealth Management Group specialises in providing institutional and public sector, corporate and large customers, clients with integrated wealth management products and and high net worth and private banking clients. Staying with the services. These include the principal areas of advisory, same model has ensured a quicker transmission of the division’s investment, banking and risk. ethos: Passion for Customers. Through this, we can contribute to delivering the Access Bank promise of world-class service We create and develop structured products tailored to suit a through exciting customer experiences. customer’s needs and help meet personal financial aspirations. This service includes traditional banking, innovative investments Core services and financial planning. Access Bank Wealth Management offers The Bank also benefits from a range of sophisticated back-office this full range of financial products and services not only in what operations that provide a firm foundation for our business. are termed traditional asset classes such as cash management These operations include IT Services and Settlement Banking. and tenured deposits, but also a broad spectrum of investment opportunities and personalised offerings such as portfolio IT Services management, concierge and custodian services. Access Bank continues to build on its robust Information Technology (IT) platforms that enable it to provide effective Our role is to create, track, preserve and enhance wealth. support for the Access Bank Group’s strategy for business To accomplish this, we have built a global network of growth and sustainability. relationships, expertise and competence. In 2011, more industry benchmark automation projects were Core operations successfully implemented to achieve business optimisation and The Bank’s core operations comprise Institutional Banking, deliver competitive advantage for our business. Our strategic Commercial Banking, Financial Markets, Retail Banking and approach has continued to consider the environmental impacts Transaction Services. of technology. We have focused on self service for our corporate and retail customers, reducing the need to travel to transact Institutional Banking business or execute personal transactions. To bring about This division is responsible for developing the Bank’s relationships operational efficiency, we have invested in the propagation of with tier 1 private sector businesses, essentially comprising large high speed networks across our branches and technologies that multinationals and local corporations. enable Straight Through Processing from the front-end customer The division is structured in a manner that reflects key sectors of transaction to final settlement of transactions. the economy – Oil & Gas, Telecommunications, Food & Beverage, We have invested in the delivery of comprehensive world-class Cement, Metal Fabrication, Transportation and Household database technology that facilitates analytical processing. This Utilities. We deploy highly qualified sector specialists to serve delivers enhanced business and customer intelligence, enabling these corporations operating in these sectors. better insights into operational efficiency and customer Commercial Banking behaviour. Our state-of-the-art Customer Relationship The Commercial Banking Division serves three distinct market Management platforms allow us to manage customer segments: Commercial Banking, the public sector and wealth relationships in a highly efficient manner. management. Our Commercial Banking customers include Settlement Banking organisations with turnover of between N500 million As a settlement bank, Access Bank continues to play an active N13 billion, as well as any other structured and unstructured role in collaboration with the Central Bank of Nigeria (CBN) in all businesses that are not serviced by our Investment Banking its initiatives towards reforming the National Payments System. Division. Within our commercial banking segment, we maintain The Bank was an active participant in the pilot run of the a special emphasis on SMEs. Public sector clients consist of Electronic Cheque Presentment and Image Exchange (ECPIX) federal ministries, departments and agencies, and other state initiative. This is in preparation for the implementation of cheque and local government entities. truncation in the Nigerian financial settlement system led by Financial Markets Nigeria Inter-Bank Settlement System (NIBSS). The Financial Markets Division provides specialised financing Similarly, the Bank continues to pursue every effort to enhance and investment solutions, including trading in fixed income and interoperability of systems and payment /settlement devices currencies. We conduct these activities through the Treasury Group, to benefit all Stakeholders in the business value chain. the Corporate Finance Group and the Financial Institutions Group. We are also making major investments in transaction settlement infrastructure, and seeking collaboration with partners to develop platforms offering scale efficiency, cost optimisation and better service delivery capabilities.
Access Bank Plc Corporate Social Responsibility Report 2011 08 Overview – 2 % % 34 14 11 11 16 12 100 09 – – Bank N’000 Dec-10 k Plc Access Bank 172,508 660,513 (142,816) (2,917,513) 4,737,143 3,577,650 3,605,659 5,366,476 3,987,315 (2,323,017)
4,736 79,065,123 11,542,019 59,698,824 33,649,283 33,649,283 (17,043,282) (22,989,212) 13.7bn 16.0bn 7 2
– – % % 39 10 11 31
946.0bn 100
– – – – Bank Corporate Social Responsibility Report 2011 N’000 Dec-11 557,694 (134,272) 2,356,314 3,355,180 3,577,650 (2,507,030) 96,234,017 12,799,299 68,789,153 32,728,935 10,082,798 32,728,935 (13,673,445) (24,937,834) (22,252,501) Profit before tax Profit before (Bank) N billion Profit after tax (Bank) N billion assets Total (Bank) N billion Number of employees of Number (Bank) – 2 6 % % 42 14 10 13 14 100 – – Group N’000 Dec-10 186,525 660,513 (183,788) (4,524,369) 5,100,749 3,577,650 4,787,554 5,366,476 2,123,995 7,051
(4,404,932) 91,142,064 15,616,036 69,707,866 37,419,498 37,419,498 (17,029,266) (27,580,211) 16.7bn 20.3bn
– 7 1 7 9 % % 46 18 11
100
1,634.7bn Group N’000 Dec-11 (10,000) 104,220 557,694 1,763,088 3,593,110 8,944,117 5,423,384 3,577,650 4,186,488 (9,170,616) (1,565,809) 22,090,711 48,477,374 48,477,374 (24,833,614) (12,101,521) (44,553,568) 138,949,414 102,014,279 Profit after tax assets Total (Group) N billion Number of employees of Number tax Profit before billion (Group) N (Group) N billion (Group)
Added finance Value of of business: in government providers equipment on lease and services associate’s loss – Local – Foreign – Local – Foreign – For replacement of property and – For – For replacement of equipment – For – To pay proposed dividend pay proposed – To – To augment reserve – To For the year ended 31 December, 2011 the year ended 31 December, For Value Added Statement Value Highlights Financial Gross earnings Interest expense Loan loss expense: Employees: To Employess costs Allowance on other assets Allowance no longer required Bought-in-materials added Value To Government as taxes Group’s share of Distribution To Interest on borrowings Dividend to shareholders Retained Our Approach Vision: To be the most to Sustainability respected Bank in Africa
Our core values 1 Excellence 4 Empowered employees • Surpassing ordinary standards to be the best in all that we do • Recruiting and retaining the right people and teams based on • Setting the standard for what it means to be exceptional shared values and vision • Never losing sight of our commitment to excellence, even • Developing our people to become world-class professionals when the going gets tough • Encouraging a sense of ownership at individual level whilst • Remembering that excellence requires dedication fostering team spirit and loyalty to a shared vision and commitment • Promoting a sense of belonging and community • Our approach is not that of excellence at all cost – it is • Facilitating continuous learning by providing the training, excellence on all fronts so that we deliver outcomes that are tools and coaching to help our people grow economically, environmentally and socially responsible • Helping them take care of their health 2 Leadership • Pursuing a positive work/life balance for increased productivity and improved employee satisfaction • Leading by example, leading with guts • Encouraging a diverse workforce; respect for & appreciation • Being first, being the best, sometimes being the only of differences in ethnicity, gender, age, national origin, • Courage to be the change we want to see disability, and religion • Setting the standard 5 Professionalism • Challenging the status quo • Putting our best foot forward in everything we do, especially • Market making in high pressure situations • Self-awareness in being able to maintain a balanced assessment • Consistently bringing the best of our knowledge and expertise of externalities and costs incurred in the pursuit of leadership to the table in all of our interactions with our Stakeholders 3 Passion for customers • Setting the highest standards in our work ethic, behaviours and activities in the way we treat our customers and – just as • We live to serve our customers importantly – each other • In addition to delivering excellent customer service, we will • Putting our customers’ needs ahead of our own be focusing on: • Maintaining composure and clear thinking at all times −− Economic empowerment: enabling people to achieve • Ensuring continuous learning; through continuous growth more through provision of finance, lifting people up and career development throughout the value chain −− Financial education: helping people clearly understand 6 Innovation how our products and services work • Identifying new market needs and opportunities −− Financial inclusion: providing finance to those individuals • Creativity, invention, inspiration, exploration and communities that traditionally have limited or no • Pioneering new ways of doing things, new products and access to finance services, new approaches to clients/customers −− Treating customers fairly: building long-term relationships • Being first, testing the waters, pushing boundaries based on trust, fairness and transparency • Going from concept to market/reality • Anticipating and responding quickly to market needs with the right technology, products and services to achieve customer objectives
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At Access Bank, we are committed to our sustainability agenda and strategies, and address key environmental issues that are and are making efforts at mainstreaming sustainability into all specific to the processes and activities of our business. of our business processes. This involves finding ways to impact Economic development a variety of critical issues and themes: economic development Access Bank seeks to create long-term economic and social and advocacy; employee and partner relations; fair treatment benefits from its projects and presence. We employ a variety of customers; the environment; gender; finance for small- and of economic support and incentive programs, including medium enterprises (SMEs); the arts; education; the employee development and strategic community investments. environment; and sports. Our contributions to economic development allow us to reduce Ideas and resources barriers to development in the communities in which we operate Access Bank is committed to deploying 1% of its annual and are consistent with the objectives of the United Nations profits in support of corporate social responsibility. We actively Millennium Development Goals (MDGs). seek to encourage employees to contribute ideas, skills and Access Bank has taken steps to ensure that risk management resources for societal development, through our employee systems cover the legal, regulatory and reputational risks volunteering scheme. associated with direct and indirect environmental and social All companies within our Group, as responsible corporate impacts. These risk reporting systems have been informed by the citizens, subscribe to the same high level of standards as the Environmental, Social, and Governance (ESG) framework and parent company, and work with others to develop, implement Board level oversight is provided by the Bank’s Operational Risk or contribute to health, educational, environmental and Management Committee (ORMC). ESG risks are addressed by cultural programs focused on their local communities’ needs a policy guideline which addresses environmental and social and aspirations. risk issues in credit and lending. This forms part of a Group-wide framework for addressing the Equator Principles (EP), and provides Sustainability risks, impact and opportunities for internal monitoring and management of ESG performance. At Access Bank, we make disclosures to communicate our Sustainability opportunities sustainability activities in order to enhance public understanding Sustainability opportunities are identified through growth of and opinions. Our coordinated approach to these disclosures the business and the implementation of sustainability solutions aligns with international best practice. The most significant of at business unit level, as well as the Bank’s participation in the Bank’s sustainability-related risks and opportunities relate sustainability and environmental forums. These forums provide to our operations, external environment, and relationships. a platform to pursue sustainability opportunities and, where Sustainability opportunities are identified, prioritised and managed necessary, incubate new projects until they mature enough through growth of the business and the implementation of to be fully integrated into the operations of the business sustainability solutions at business unit level, as well as the Bank’s unit concerned. participation in sustainability and environmental forums. We also Prioritising risks and opportunities consider issues raised by our key Stakeholders and international Risks and opportunities are prioritised, taking business benchmarks for sustainability performance. performance implications and stakeholder materiality into Access Bank also has risk management processes in place to consideration. The Bank defines materiality according to the enhance its existing processes by integrating sustainability within GRI (G3) guidelines definition and with reference to both internal them. We have taken steps to ensure that our risk management and external factors. Current sustainability priorities include systems cover the legal, regulatory and reputational risks investing in employee development and retention, maintaining associated with direct and indirect environmental and social progressive business client relationships, managing our impacts. These risk reporting systems have been informed by environmental footprint, and implementing environmental and the Environmental, Social and Governance (ESG) framework. social (E&S) risk management processes, while supporting other ESG describes the main areas of concern that have developed financial institutions in Nigeria through E&S risk management as the central factors in measuring the Bank’s sustainability capacity-building programmes. and ethical impact. Access Bank has begun to integrate environmental and social Customer satisfaction (E&S) risk management considerations into its business Access Bank recognises that marketplace perceptions and operations. This takes all significant E&S issues into consideration reactions to business behaviour and practices are critical to while ensuring that our business operations do not degrade the corporate success. We engage in responsible customer relations, environment or cause social harm. Through this activity, the Bank including marketing and advertising; and ethical competition. achieved the following: We treat our customers fairly, with openness and transparency, • Developed specific E&S policies for sectors such as Oil & Gas and ensure that our marketing practices enable us to focus on and Cement which have the greatest impacts on E&S risks; building and maintaining sustainable, long-term relationships • Reviewed and aligned E&S policy and procedures with with our customers. international best practice standards; and Environmental performance • Developed a risk management toolkit that will assist the Bank Access Bank is committed to conducting its business in a in screening projects to identify potential E&S risks; determine manner that protects the environment, wherever we operate. appropriate level of E&S due diligence required for projects We integrate environmental elements into our business plans and integrate E&S policy into existing credit processes.
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Corporate governance structure and procedure • Employees are expressly prohibited from using their The Bank’s approach to corporate governance is responsive association with the organisation for personal gains beyond to the changing regulatory environment. Our governance and authorised compensation and benefits. Whenever there is ethical behaviour form the baseline of our business practice. any question of whether an activity would violate or appear This ensures that we tie Sustainability directly to the Bank’s to violate this principle, guidance must be sought from Senior Management and Board of Directors, who bear appropriate management authority. Clarification must be responsibility for overall business strategy, practices and policies. sought on all issues which border on conflict of interest; Our governance structure determines the fundamental • Employees must not, on their own behalf, borrow from relationships among the members of the Board of Directors, or lend to customers of Access Bank Plc; Management and other Stakeholders. It defines the framework • Employees must not use the Bank’s name and influence through which ethical values are established and the context for personal purposes; in which corporate strategies and objectives are set. • Employees must not do anything to undermine either another The strength of our governance starts at the top with a employee, or the affairs of the Bank; Non-Executive Chairman and 7 well-informed Non-Executive • Employees must adhere to the Bank’s principles and policies, Directors that give priority to strategic planning; ensure that and must remain completely free of conflicting interests or standards exist to promote ethical behaviour throughout activities which interfere with proper performance of their the organisation; and drive continuous improvement in duties to the Bank; and governance practices. • Employees must conduct themselves in a manner that brings Corporate governance at the Bank is the principal responsibility credit to the Bank. of the Directors led by the Chairman of the Board, while The Bank has also created polices and standards to eliminate management of the Bank is the responsibility of the four issues relating to conflicts of interest. Policies include: Executive Directors led by the Group Managing Director/CEO. The Board of Directors at all times complies with the Central • Code of Conduct: Access Bank employees are governed by Bank of Nigeria (CBN) Code of Corporate Governance. an Employee Code of Conduct. The Code contains extensive provisions on the following areas: compliance with laws, Board composition, selection and tenure of Directors rules and regulations; confidential customer information; • Directors that are currently employed by the Bank are deemed confidential bank property; conflict of interest; gifts from Executive and all others are deemed Non-Executive; customers; loans to or from customers; use of account by • Non-Executive Directors will always constitute at least a third parties; use of the Bank’s name; cooperation with majority of the Board; regulatory bodies; and public statement. Contained in this • An Executive Director that has substantial stock in the Code is the conflict of interest policy. This policy ensures that Company upon retirement may elect to serve on the Board of all employees avoid any situation that poses a conflict, or the Directors as a Non-Executive Director. In all other cases, an appearance of a conflict, between their personal interests and Executive Director shall submit his or her resignation from the the performance of their official duties. Board upon termination of active service as an employee; • The Code is regularly reviewed and updated as required, to • A Director will retire from the Board at the next Annual ensure it covers all aspects of our activities and is clear and easy General Meeting of the Shareholders following the attainment for our employees to understand and follow. Employees are of age 70; and encouraged to familiarise themselves with the Code of Conduct and ensure strict adherence to its provisions. • A Director will also vacate office or cease to be a Director, if the Director directly or indirectly takes a facility from the Bank that • Directors’ Regulatory Reporting Framework: This guides the remains non-performing for a period of more than 12 months. reporting of Directors’ interest in contracts, Directors’ interest in facilities, the reporting of share dealings by Directors, Mechanism for making recommendations to highest among others. governance body • Determining qualifications and expertise of the highest Shareholders and other Stakeholders communicate with the governance body: Members of the Board are appointed Board at the Investors Forum and Annual General Meetings, taking into account the following criteria demonstrated which are held yearly and where Stakeholders are free to raise outstanding achievement in the prospective Board any issue of concern. The Bank also has an Investor Relations Unit member’s personal career: which is an accessible channel for Shareholders to register their views, which are communicated to the Board. −− Breadth of experience; −− Soundness of judgement; Through the annual employee survey report, the Board is informed of staff opinions. Also, employees express their views −− Ability to make independent, analytical inquiries; through various channels including one-on-one discussions, −− Ability to contribute to a diversity of viewpoints among focus group discussions, feedback via emails, among others. Board members; and Conflicts of interest −− Willingness and ability to devote the time required to The Bank’s business requires that special obligations be imposed on perform Board activities adequately. all employees to safeguard its integrity, operations and interests.
Access Bank Plc Corporate Social Responsibility Report 2011 14 Overview
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As a follow up to this, the Bank sponsored an enlarged Plenary panel: Why sustainable agriculture? Stakeholder programme entitled Nigeria Sustainable Finance This session looked at the importance of agriculture to the Week with the theme “Moving Frontiers – Sustainable Finance” Nigerian economy and the growth of sustainability in this sector. was organised in September 2011 in partnership with United Delegates discussed the agreement signed by the Central Bank Nations Environment Programme Financial Institutions (UNEP FI), of Nigeria with the Alliance for a Green Revolution in Africa to the Dutch Development Bank (FMO), the International Finance develop innovative and responsible financing mechanisms for Corporation (IFC), the African Carbon Asset Development Facility agriculture. They also discussed the role of banks in this (ACAD), the Nigerian Conservation Foundation (NCF), the important sector. Questions discussed included: Chartered Institute of Bankers of Nigeria (CIBN), DEG, Proparco and AfDB. Attended by more than 200 delegates, this event • What are the key issues for sustainability of agriculture in provided a forum for the exchange of ideas and information Nigeria? among sustainability NGOs, corporate organisations and leading • Is sustainability in agriculture a hurdle or an accelerator for financial professionals from around the world. It also presented economic development? a platform to address the challenges around E&S integration and • How is the Government of Nigeria supporting development highlighted environmental and social issues relevant to Nigeria’s of the sector? banking sector. The following workshops were held during the Nigeria CEO roundtable Sustainable Finance Week: This was a closed event on the final day of Nigeria Sustainable Finance Week for the CEOs of selected Nigerian banks including Plenary Session 1– Financing the Green Economy the Central Bank. Its purpose was to create awareness of Keynote address: Financing the Green Economy sustainability at the highest levels of industry and to synthesise This session highlighted how sustainable finance is at a tipping current thinking on sustainability opportunities and challenges in point. It also underlined the importance to banking of Green Nigeria with reference to the financial sector. It led to the signing Economy issues – low carbon, energy security, resource efficiency of a Joint Commitment Statement on Nigeria Sustainable and secure global supply chains for strategic materials. This was Banking Principles by the CEOs of Nigerian banks, and the presented by Paul Clements-Hunt, Head of Unit, UNEP FI. establishment of a Strategic Sustainability Working Group. This effort has prioritised sustainability in the agenda of the Nigerian Plenary panel: Financing a low-carbon Energy Sector financial sector. This session highlighted how renewable energy sector is gaining ground in the Nigerian energy sector. Understanding the UNEP FI advanced environmental and social risk potential of renewable energy requires the discussion of both the analysis workshop barriers and drivers of this sector as well as the ways the financial The workshop aimed to educate employees of local, regional and sector can gain from this developing industry. It also requires international financial institutions in the identification, analysis understanding how public-private partnership can leverage and management of environmental and social risk generated private financial flows. Questions discussed included: through their lending and investment activities. The • What is the role of the traditional energy suppliers in the consideration of social and environmental risks in mainstream transition to a low-carbon energy sector? financial analysis is a growing trend. It offers a wide range of opportunities both for the financial sector and for the promotion • What barriers and drivers do private financiers currently of sustainable development. see in investing in low-carbon/renewable energy? • How can the resources of governments and multilateral The session was attended by representatives of financial financial institutions leverage financial flows from banks, institutions only, especially risk managers and analysts working insurers and investors into the low-carbon energy supply? in development, commercial, corporate or investment banks.
Plenary Session 2– Agriculture financing Nigerian conservation foundation environmental Keynote address: Agriculture financing symposium This session provided a technical background on how global This part of the event brought all relevant stakeholders together organisations such as Rabobank approach agriculture financing to examine current financial mechanisms supporting local and and how they integrate sustainability into the financing process. global environmental issues. The symposium assessed the state The speaker was Hans Bogaard, Head of Agribusiness Finance, of environmental funding worldwide and in Nigeria and Rabobank. examined a variety of challenges associated with environmental funding. Participants included representatives of federal and Keynote address: Sustainable agriculture state government, members of the legislative arm of – a competitive advantage government, bilateral and multilateral funding agencies, non- This session looked at the commercial benefits of sustainable governmental organisations and representatives of financial agriculture through a food production company’s perspective institutions. The speakers were: Mrs Odusote, The Director on sustainable sourcing practices. General, Nigeria Ecological Fund; Kumi Naido, Greenpeace International; Paul Segal, WWF Senegal; and Donald Duke, Former Governor of Nigeria.
Access Bank Plc Corporate Social Responsibility Report 2011 16 Overview 17 k Plc Access Bank Corporate Social Responsibility Report 2011 Left: ACAD Carbon Credit Workshop Right: Aigboje Aig-Imoukhuede, Access Group Managing Director, Bank Plc, Sanusi Lamido Sanusi, Bank of Nigeria Central Governor, and Nanno Kleiterp, CEO of FMO during the CEO Roundtable at Nigeria Sustainable Finance Week Right: The Nigerian Conservation Symposium Foundation during the Nigeria Sustainable Finance Week
Right: United Nations Environment Programme Finance Initiative (UNEP FI) Environmental and Risk Management Workshop Left: CEO Roundtable at the Nigeria Sustainable Finance Week Right: Obeahon A. Ohiwerei, Commercial Executive Director, Banking Division, Access Bank Plc; Sustainability Herman Mulder, Okey Nwuke, Thought Leader, Institutional Executive Director, Banking Division, Access Bank Plc Senior and Ashok Meda Kumar, Access Bank Plc Banking Advisor, Above: Nigerian Conservation Symposium Foundation We participate in industry- We and adherewide discussions andto the Government code of standards regulatory Our Approach to Sustainability continued
ACAD carbon finance workshop Some of the initiatives we have implemented include: This one-day seminar on Carbon Financing co-sponsored by the • Carrying out tax self-assessments with the overall aim of African Carbon Asset Development (ACAD) Facility targeted the computing the Bank’s tax liabilities; needs of credit and credit risk managers and investment officers working within African financial institutions. The objective was • Periodic internal tax self-audit in readiness for annual to enhance these financial professionals’ understanding of the regulatory tax audits; new business opportunities presented by global carbon trading • Timely response to tax issues emanating from tax authorities; and carbon credit offset investments in Africa. • Liaison with relevant tax authorities for timely and amicable After the workshop, participants were able to identify carbon resolution of any identified tax challenges; and credit generation opportunities in areas such as renewable • Partnership with tax authorities in the design and energy and energy efficiency and to understand how the carbon implementation of relevant new tax initiatives. credit project cycle overlaps with traditional investment project In addition to these activities, the Bank actively participates in cycles. Specifically, participants also gained insight into how to the generation of tax revenues to governments (federal and appraise the risks associated with such investments and how state) through prompt payments of taxes such as corporate carbon revenue streams could be integrated into equity and tax and education tax. The Bank also plays a major role as a project financing structures and modelling. tax collector for the government. The training included a case study providing a hands-on simulation involving the financial structuring of a carbon Stakeholder engagement transaction and the negotiation of an emission reductions Engaging with a wide range of Stakeholder groups is important purchase agreement. in understanding emerging trends and issues, and the Bank’s potential roles and response. Getting direct feedback from Experts in carbon project development and sustainable customers and employees and responding is key to our business finance from Standard Bank, the United Nations Environment sustainability. This has given us the opportunity to develop a Programme (UNEP), and African CDM development relationship, allowing us to communicate directly with interested organisations ensured delegates benefited fully from this parties, explaining our approach to a range of issues and the workshop. future focus of Access Bank. De-regulation roundtable Access Bank’s major Stakeholders include regulators, Following the Nigerian Government’s announcement regarding government, Shareholders and investors, employees, customers, the proposed deregulation of the downstream oil sector, the suppliers, Non-Governmental Organisations (NGOs), Bank organised an executive roundtable to address the issues communities and the media. We spend a great deal of time and probable impact of the policy. ensuring that we listen to all our Stakeholders, respond to their The forum provided an opportunity for the Bank and other key feedback and address their areas of concern, so that we can Stakeholders to discuss the economic and business challenges align our business interests with their interests. of deregulation. Identifying and engaging Stakeholders Power summit Access Bank’s key Stakeholders are categorised into groups The Bank was the only sponsor from the banking sector at the based on their interaction with our business activities. The Power Summit 2011 organised by the Commonwealth Business categories are not mutually exclusive – some groups potentially Council (CBC) in conjunction with the Trade Fair Group and have interests across a number of category areas. Some areas, Global Business Report (GBR). The summit was held at the Royal such as customers and employees, are all-inclusive; others, such Commonwealth Society Office in London in March 2011. The as NGOs, require priority to identify the most relevant groups to 2-day event provided a platform for sharing experience and engage with. expertise in the power sector. Participants included governments We gather Stakeholder views through a number of mechanisms, of Commonwealth countries, private companies, technology including opinion surveys, focus group discussions on particular companies and other power sector Stakeholders. issues, regular dialogue with media representatives and NGOs Access Bank’s approach to tax and staff, consultations with consumer groups and involvement in industry-wide discussions. The Bank recognises that tax compliance is fundamental to earning and retaining the confidence and trust of its For example, with customers we conduct customer satisfaction Stakeholders. It provides the structure through which corporate and loyalty surveys, produce quarterly reports, collect feedback tax objectives of the Bank are set and the means of attaining from our contact centre and liaise with the customer ombudsman those objectives. for process and service improvement and new product development. We record problems noted by clients in a central To ensure compliance with tax laws and regulations, the Bank database handled by our customer ombudsman and follow up engages the services of experienced tax consultants, who assist the directly to ensure that systemic problems are corrected. Bank in implementing various initiatives and carrying out activities aimed at promoting sound tax practices within the Bank.
Access Bank Plc Corporate Social Responsibility Report 2011 18 Overview 19
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daily meetings performance We of surveys a and industry-wide regular addition, feedback focus monitor on meet team in communications by business quarterly complaints Government issues. In issues. levels industry regular vendor online Employee and of engagement their a current of our the and and team international investors. to upon respond and range corporate annual leadership conduct participate continually centres, overall a Primary engagement mechanism Primary engagement discuss capture identify standards. number to undertake supplemented campaigns to the We We Our teams on We feedback call Our Our Relations performance. potential meetings local adhere of a sustainability to impact service. Stakeholder group Stakeholder Media Suppliers Industry forums Investors Employee Customers Engagement mechanisms used in 2011 Engagement Our Approach to Sustainability continued
Strategic external initiatives Partner Profile Partnership update United Nations Global The UNGC offers a policy framework for The Bank’s GMD/CEO, Aigboje Aig-Imoukhuede Compact (UNGC) the development and implementation of signed the United Nations Global Compact corporate sustainability strategies. It also offers (UNGC) CEO statement supporting the a platform, based on universal principles, empowerment of women. to encourage partnerships and innovative initiatives with civil society, government and other Stakeholders.
United Nations Global partnership between UNEP and the The Bank worked with the UNEP FI to host Environment financial sector. UNEP FI provides the an Advanced Environmental and Social Risk Programme Finance opportunity for organisations to understand, Analysis Workshop during the Nigeria Initiative (UNEP FI) and respond to, environmental considerations Sustainable Finance Week in September 2011. on financial performance. UNEP FI aims to advance the cause of sustainability in the finance sector.
Global Reporting GRI’s mission is to develop and disseminate Access Bank reports on performance indicators Initiative globally applicable sustainability reporting recommended by GRI. Access Bank has been (GRI) guidelines. These are set global standards a GRI Organisational Stakeholder since 2009. for reporting on the economic, environmental The Bank participated in the Panel Discussion, and social dimensions of an organisation’s involving leading African financial institutions activities, products and services. of Sustainability Reporting at the GRI Side Event at the UNEP Governing Council/Global Ministerial Environmental Forum held in March, 2011. Access Bank was also invited to speak at GRI’s Webinar on Human Rights in July 2011.
London Provides comprehensive and consistent set Access Bank participates in LBG annual Benchmarking of measures for Corporate Community data returns. Group (LBG) Investment (CCI) in order to determine the actual community contribution by an organisation while capturing the output and longer term impacts of the CCI projects on business and society.
Equator Group of over 70 financial institutions with The EP standards have been incorporated in Principles operations in over 100 countries across the the Bank’s Environmental and Social Policy (EP) globe. The Equator Principles are a project and are used to assess lending activities. finance industry standard for addressing Access Bank attended the organisation’s environmental and social issues in project 2011 Annual Meeting. financing globally.
United Nations Principles An investor initiative in partnership with UNEP The Bank participated in the UNPRI’s 2011 for Responsible FI and the UN Global Compact. The principles survey – an annual online questionnaire Investment (UNPRI) provide a menu of possible actions for whose responses are used to create the incorporating environmental, social and UNPRI Annual Report on Progress. governance (ESG) issues into mainstream investment decision-making and ownership practices.
Access Bank Plc Corporate Social Responsibility Report 2011 20 Overview
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Partner Integrity (CBi) Clinton Global Initiative (CGI) Convention on Business Nigeria Business Coalition Against AIDS (NIBUCAA) Nigerian Conservation (NCF) Foundation GBCHealth Business in the Community (BITC) Key issues Customers in the marketplace
We have always sought to understand our customers Our customers better and redesign our We ranked among the top 6 banks in Nigeria in 2011 but we aim to services to meet their needs. do better in 2012. For further details 22 We continually review our please see page standards and processes Customer ombudsman The Ombudsman process strives to ensure we exceed for a win: win resolution to ensure that the smooth customer/banker customer requirements relationship is not disrupted by any complaint. For further details please see page 23 Our customers Customer satisfaction During the year, the Bank ranked amongst the top 6 banks in survey 2011 Nigeria in terms of service delivery and this was confirmed by The customer satisfaction survey our ranking in the 2011 KPMG Banking Industry Customer provides valuable insight about our Satisfaction Survey for Banks in Nigeria, where we came 4th for performance and help drive Corporate and 6th position in Retail. We have taken this as an improvement initiatives. objective assessment of our performance and have aimed higher For further details for the 2012 KPMG ratings, as well as other globally acceptable please see page 24 assessments carried out by relevant bodies. Improving quality for our subsidiary customers Project 5-Star performance improvement Our focus in 2011 was to enhance product knowledge and staff Our aim is to achieve a drastic conduct, and to provide a consistently high quality environment improvement in service delivery. within our branches. The Bank has mandated an Innovation Total Quality Management (ITQM) representative at each subsidiary For further details 25 to ensure service quality. These individuals have ITQM as their please see page primary function and drive service in their respective subsidiaries. Customer service week The ITQM representatives ensure that they consistently solicit This was the 4th year in a row that customers’ perception of service and measure the 4 critical we showed our commitment to success factors of service quality − customer service, ambience, quality service. For further details turnaround time and error rate – in their branches. The ITQM please see page 29 teams do this via the Bank’s Project 5-Star performance- improvement project, which is a survey. Communications and promotions The ITQM unit also has responsibility for resolving customer We believe in responsible issues in the subsidiaries. To ensure that the Bank continually marketing and advertising. improves customer satisfaction in the subsidiaries, Service Quality For further details reports are sent to the Head Office in Nigeria on a monthly basis. please see page 28 Customer issues highlighted in subsidiaries outside Nigeria have much in common with those in Nigeria, although there is less Financial inclusion emphasis on service failure online or at ATMs. To monitor Our Early Savers product helps progress, the Group Service Quality Assurance (SQA) unit the young take a step towards consistently measures service performance at all channel points financial literacy. For further details and proposes solutions to the process owners until higher please see page 29 customer satisfaction ratings are realised. Fighting corruption Regular employee training has reduced the Bank’s exposure to incidence of corruption and money laundering. For further details please see page 29
Access Bank Plc Corporate Social Responsibility Report 2011 22 Customers
23
k Plc Access Bank A new service initiative involves the Bank’svisits by management to qualitybranches to assess service and analyse customer experiences Corporate Social Responsibility Report 2011 the Bank and its customers. The ombudsman liaises with the Investigation Unit, Remedial Assets, relationship managers, marketers and customer care officers in investigating customers’ complaints with a view to resolving them in a timely manner. The ombudsman makes recommendations compatible with the Bank’s policies but is not involved with making binding decisions, or mandating policies, or formally adjudicating on issues on behalf of the Bank. a range of positive resolutions that are acceptable to both Guest frontline service management to theThis new service initiative involves visits by analyse customerBank’s branches to assess service quality and 2011 and took placeexperiences. This activity was formalised in every 3 months. Customer ombudsman The ombudsman functions as the Bank’s complaint resolution expert by listening to customers, providing and receiving information, identifying and reframing issues, and developing Listening to customers through first-class strive to achieve customer satisfaction We and dealingcustomer service, treating our customers fairly through answiftly and effectively with any complaints, and services only create products We ombudsman if necessary. is a clear marketthat our customers want and for which there we develop responsible products and services need. In this way, In our marketing that represent added value to society. our responsiblecommunications, too, we pride ourselves on and through all ofapproach. Allied to responsibility is integrity measures to ensureour business dealings we never fail to take forms. compliance and to fight corruption in all its well as other channels, to solicit use our Contact Centre, as We such as IT, customer feedback, while our relevant departments use suchProduct Development and Research, and Marketing processes, systemsfeedback in the review and redesign of our and products. The Access Early Savers account Savers Early Access The every child ensure that aims to and impartial to sound has access guidance money Customers The Innovation Total Quality continued Management (ITQM) Group conducted more than 100 surveys of the Bank’s customers in 2011
Resolving complaints Customer satisfaction survey 2011 The ombudsman identifies trends, issues and concerns regarding The ITQM group conducts customer satisfaction surveys all customers’ complaints that may directly or indirectly affect the year round in the branches. This is with a view to discern Bank’s policies, products, services and procedures, including customer needs as well as how our services are meeting their potential future issues and concerns and provides suggestions requirements. The surveys also cover other banks’ channels and and recommendations where necessary. The customers’ products. In 2011, the Bank surveyed branches in different ombudsman will, within 24 hours of receiving a complaint, regions with the aim of making comparisons. The focus during write to acknowledge receipt and assure the complainant the year under review was on customer loyalty using Net that his or her complaint is receiving attention. On average, Promoter Scores (NPS), a system for identifying loyal enthusiasts the ombudsman will resolve complaints within 3 to 7 days, who will keep using a brand and refer it (ie promote it) to others, depending on the complexity of the complaint and the nature so fuelling growth. This is a different approach to measuring just of the reconciliation required in reaching a settlement. customer satisfaction as it is known that satisfied customers may still defect from a brand. So the loyalty index is what determines If parties are dissatisfied with the resolution reached, the the probability that customers will remain with a business ombudsman may further mediate to arrive at a fair settlement. irrespective of changing circumstances. The propensity to If either party is displeased with the outcome, there is a switch was also determined. We conducted over 100 surveys mechanism for escalating the complaint for further action. of this type. The ombudsman keeps a log of all complaints received and these are tracked through a weekly report until final resolution. Customer survey results by region Training NPS Customer loyalty (%) Switch rate (%) Region (Net promoters) (Propensity to switch) The ombudsman reports to the Board’s Risk Committee on the Ikeja 63.12 34.32 trend of complaints received by the Bank and the nature of the South-East 51.92 7.58 resolutions employed. On a quarterly basis, the ombudsman circulates points learned from resolved complaints to business North-East 50.25 17.54 service units. The ombudsman also offers training on root causes South-South 46.65 14.92 of complaints and litigation and examines case studies of Apapa 45.97 29.19 complaints with the aim of reducing the level of complaints Abuja/North-Central 45.79 17.75 across the Bank. The ombudsman further circulates an Annual Lagos Mainland 40.50 28.41 Report of complaints learning points received during the year VI/Ikoyi 35.53 21.88 with the same aim of removing potential causes of complaints Port Harcourt 33.14 16.31 and ultimately reducing the overall level of such complaints. Average 45.87 20.88 The ombudsman is a board member of the International Ombudsman Association – a body of ombudsmen who 5-Star network on the nature of complaints and their causes, and The Bank achieved an NPS Customer Loyalty rating of 45.87% who share insights into solutions to complaints at workshops and Switch Rate of 20.88% in 2011, compared to the 2010 and conferences. figures of 38.30% and 18.06% respectively. This shows that the level of customers willing to recommend us to others increased, The customers’ ombudsman can be reached through although the propensity for customers to switch also went up. any branch of Access Bank by either filling in a designated The general customer satisfaction level was at 4-Star on a 5-Star form or by handing over the complaint to the customer care rating scale. The common customer dissatisfaction issues officer at any branch of Access Bank. Complaints can also be experienced across the Bank are highlighted below: filed online by sending an e-mail to: [email protected] • Delay in cheque confirmation; • Reluctance of staff to attend to customers; • Frequent system downtime;
Access Bank Plc Corporate Social Responsibility Report 2011 24 Customers 25 1 0 1 1 0 0 FY2 FY2 2.4% k Plc Access Bank + Time Rating Overall Services Etiquette Customer Ambience Error Rate Telephone Telephone Turnaround Turnaround : s 4.56 s Corporate Social Responsibility Report 2011 4.41 4.25 s 3.90 3.90 3.80 3.71 e 3.71 3.67 ranche 3.59 3.53 3.48 b rating
-Star vic f r 5
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u s e Pro c rib -Star -Star -Star -Star -Star rvi 4 3 2 1 5 ist e d between 1-Star and 5-Star rating 2011 FY2010 performance trend for bran S To show our appreciation to our appreciation show To greetings season’s customers, via SMS, at Christmas were sent machines display and ATM e-cards
Increased time to process a customer’s transaction; Long queues in banking halls; be more friendly; Requirement for customer care unit need to and Customers not informed of branch relocations; Errors or other irregularities in bank statements. Resolution The minimum acceptable service quality rating for our branches Therefore, the focus for 2012 is to enhance in 2012 is 4.5-Star. improve branch service delivery via intensive training of new staff, Improvement façades, revitalise the Project 5-Star Performance The improvement in turnaround time and error rate will reduce the waiting time and long queues experienced in the banking hall. This should result in higher patronage and repeat business, which in turn should bring higher income. Although the level of customer service and ambience slightly decreased, we have taken active measures to reverse the trend by training staff in the expanded network and improving the façade at our branches. Implications All units and branches are expected to take part in Project 5-Star. All units and branches are expected to take over 2010. The Bank achieved an overall rating of 3-Star for branch services across the network. Project 5-Star Results for Access Bank branches Project 5-Star Results for Access Bank were conductedOver 250 mystery shopping and branch visits Project 5-Star is a survey-based performance improvement Project 5-Star is a survey-based of enhancing servicescheme launched in May 2008 with the aim success factors:delivery throughout the Bank across 4 critical and error rate.customer service, ambience, turnaround time improvementin 2011 with a view to ensuring a consistent claim to offerin service to the point at which the Bank can and cash centres.a 5-Star standard in all of its 310 branches The top graph depicts the 2010 vs. 2011 comparative performance for the Bank’s branches. rate andThe data shows that telephone etiquette, error improved by 26.72%, 24.25% and 8.97% turnaround time (TAT) customer service and respectively from 2010 to 2011. However, ambience decreased by 1.67% and 4.87% respectively. Overall service quality improved marginally by 2.4% in 2011 Project 5-Star performance improvement scheme Project 5-Star performance improvement • • • • • Customers During customer service continued week in 2011, the Bank took the opportunity to communicate its commitment to quality service and generally boost employee morale, motivation and teamwork
Scheme and introduce service quality volunteers to uphold quality standards at the branches. 2011 Project 5-Star ratings for our Commercial Banking Division Commercial Banking Results Division: distribution The staff’s level of confidentiality was good at 89.30 – this is of ratings between equivalent to a 4-Star rating. Customer service, comprising staff 1-Star and 5-Star conduct, product knowledge and reliability, was average at 70.32 – equivalent to a 3-Star rating. Overall performance for the Bank’s Commercial Banking Division was 3-Star. 1-Star 2-Star Retail Banking Division 3-Star Results 4-Star The staff’s level of confidentiality was very good at 96.66% 5-Star – equivalent to a 5-Star rating. Customer service (staff conduct, helpfulness, product knowledge and reliability) was much lower at 68.74, only a 2-Star rating. Overall performance for the Bank’s Retail Banking Division was 3-Star. Head office units 2011 Project 5-Star Over 80 reviews were carried out in head office units to assess ratings for our Retail Project 5-Star service quality. The top bar chart on page 27 Banking Division: depicts the comparative performance between 2010 and 2011. distribution of ratings Results between 1-Star and 5-Star There was an improvement in all Project 5-Star critical success factors with an overall improvement of 14.75% for the head office units. 5-Star Subsidiaries 4-Star The Project 5-Star Performance Improvement Scheme was 3-Star conducted for the subsidiaries in February 2010 and assessments 2-Star used the same parameters of speed of service delivery, error-free 1-Star processing, customer service and ambience. The aim once again was to improve service delivery.
Access Bank Plc Corporate Social Responsibility Report 2011 26 Customers 1 27 1 1 1 0 1 0 0 1 1 0 0 HY2 FY2 FY2 FY2 k Plc Access Bank Time Time Rating Overall Rating Services Overall Etiquette Services Customer Ambience Error Rate Telephone Telephone Etiquette Customer Ambience Error Rate Telephone Telephone Turnaround Turnaround Turnaround Turnaround 4.96 4.93 4.71 Corporate Social Responsibility Report 2011 4.55 4.01 4.43 3.92 4.34 3.81 4.25 4.24 4.24 4.23 3.66 4.05 3.52 3.43 3.42 3.40 3.39 3.38 3.32 3.68 3.03 FY2010 vs. FY2011 Performance for head office units HY2011 vs. FY2011 Service quality performance trend for subsidiaries Cross Section of Participants at Participants of Section Cross Symposium Cancer the Cervical 26.37 24.70 19.57 22.77 24.48 24.17 23.67 Switch rate (%) (Propensity to switch) 25.11 25.01 24.39 24.38 17.74 32.66 24.88 (Net promoters) NPS Customer loyalty (%) Customers received service week greetings via e-mail, SMS and display messages; ATM Thank you cards signed by Aigboje Aig-Imoukhuede (the Bank’s Group Managing Director and Chief Executive Officer) were handed out to customers; Branches were decorated with balloons and ribbons in the Bank’s corporate colours and staff members at the branches were dressed with a touch of orange; Customers were served with tea and cookies between the hours of 8:30 a.m. and 11:30 a.m.; Senior management staff served in various frontline capacities at our branches to improve customer engagement; contests for customers; and Branches held ‘Pick-and-Win’ TGIF was held by all the branches as a form of appreciation of their hard work in serving customers. The programme for the week included the following: • • • • • • • Activities Customer service week of theThe Bank joined the global community in celebration of the eventannual customer service week. The 2011 version and this was thewas themed Recharge, Refresh and Reconnect to communicate itsfourth time the Bank took the opportunity amongcommitment to quality service, heighten awareness employees of customer service, and generally boost employee morale, motivation and teamwork. Resolution service delivery. The focus for 2012 will be to improve on customer Zambia Sierra Leone Gambia D. R. Congo Rwanda Average Country Ghana The general customer satisfaction level for subsidiaries in generalThe general customer satisfaction level for they experienced was 4-Star on a 5-Star rating scale. However, very low customer loyalty rates as shown below: Results Customers By 2015, we aim to provide continued 1 million kids with the grounding in financial literacy they need to lead financially secure lives
Feedback Customer engagement campaign Customers were excited about this special treatment and for Access Advantage feedback received included: The Bank ran a successful customer engagement campaign for its Access Advantage savings account product entitled “Take “This is very interesting, I have never experienced this before The Lead”. Running from June 2010 to end of March 2011, the even in the bank I work in.” promotion rewarded loyal customers who built their balances “I did not expect to win anything out of the numerous customers by N50,000 and maintained their balance for 60 days. During that visited the branch today, I am grateful.” the campaign, 25 Peugeot 407 cars were awarded as prizes to the lucky winners. A grand finale was held in April 2011 to “I enjoy the service l get from you people. Since I started banking reward the last 5 lucky winners. with you, I have had no issues.” To ensure the credibility of the selection process, the draw was “Let me go and withdraw my money from other banks and bring witnessed by Mrs Ngozika Obidike, Consumer Protection Council it to Access Bank.” (CPC), Mrs Toyin Daramola of the Lagos State Lotteries Board, The Access brand was reinforced through the week as a truly journalists and employees from the Bank. service-oriented organisation. A better celebration in 2012 is in End of year activities the making. The Christmas and New Year celebrations gave us another Communications and promotions opportunity to show appreciation to our customers for their patronage and support during the year through a programme We recognise that marketplace perceptions and reactions to that included the following features: business behaviour are critical to corporate success. We therefore engage in responsible marketing and advertising, using the • Season’s greetings sent to customers via SMS, e-cards, media as a communication tool that positions the Bank as a publications and ATM display messages; choice for all our Stakeholders. Our marketing practices focus • Christmas carols played in banking halls; on building and maintaining sustainable, long-term relationships • Staff members wearing Santa hats to capture the with our customers and relevant Stakeholders, while avoiding Christmas mood; misleading marketing and advertising. • Refreshments served to customers; and Our marketing communication strategy provides an overall framework for managing and co-ordinating a wide variety • Gifts handed out to visiting customers at the branches. of activities that directly or indirectly inform and engage A number of customers congratulated the Bank for expressing Stakeholders. It addresses communicators, Stakeholders, its appreciation their patronage and loyalty. messages, channels, feedback mechanisms and message timing, while mapping out links between all these aspects. This Strategy Valentine’s Day celebration ensures that the Bank provides relevant, accurate and consistent The Bank also marked the celebration of Valentine’s Day with information on its activities. customers in the year 2011 with the following programme: Our approach to responsible marketing communications is to • Chocolates were offered to visiting retail customers at the adhere to prevailing national laws, standards and voluntary Bank’s branches; codes covering any form of advertising, promotion and • Account officers distributed cards and chocolates to sponsorship. In line with this, the Bank adheres strictly to the commercial customers; and laws and provisions of the Advertising Practitioners Council of • Valentine messages were sent out to customers via SMS Nigeria – APCON – that regulates and controls advertising and e-mails. practices in Nigeria.
Access Bank Plc Corporate Social Responsibility Report 2011 28 Customers
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k Plc Access Bank Corporate Social Responsibility Report 2011 To ensure compliance with the requirements of the Money ensure compliance with the To Central Bank AML/ Laundering (Prohibition) Act, 2004 and the CFT Regulation 2009; acquaint employees with the use of ‘know-your-customer’ To as a business tool and anti-money laundering international best practices standards; provide an interactive session for capacity development and To beneficial information sharing among members of staff on AML/CFT related issues; and educate members of staff on Money Laundering ‘red flags’ To and suspicious transactions. or monopoly practices. The first step it to undertake an investigation into any allegation of corruption. If our findings give us cause for concern, we refer will also endeavour recover any the matter to the police. We losses that arise as a result of corruption. Monopoly practices there was no legal action against the In the year under review, anti-trust Bank in connection with anti-competitive behaviour, Training in anti-money laundering Training run a range ofIn response to the CBN’s requirements, we have the skillstraining programmes to ensure our employees and moneyand knowledge required to help combat corruption laundering. This training aims as follows: • • • • Actions taken in response to incidents of corruption have also established a set of procedures for responding to We incidents where we believe there is evidence of corruption. The CBN Anti-Money Laundering/Counter Terrorism Financing Terrorism The CBN Anti-Money Laundering/Counter (AML/CFT) Compliance Manual also states that financial programmesinstitutions should develop employee training In under the guidance of the AML/CFT Compliance Officer. are required to givecollaboration with Senior Management, they regulationstraining on basic elements of anti-money laundering transactions,and offences, money laundering and suspicious retention policy, customer due diligence, record keeping and and related money laundering issues. Regular AML/CFT training programmes for bank employees is one of the majorof paramount importance because banks are launderingchannels through which the proceeds of money are channelled.
We have over 1,500 Automated 1,500 over have We Machines Teller and the introduction of the bespoke Access Early Saversand the introduction of the bespoke Access Contributing to the social and/or economic developmentContributing to the social and/or economic of children; poverty; Reducing inter-generational age;Helping a child accumulate assets at an early systems soMotivating young people to enter formal financial that they build assets in their youth and throughout their adult lives, in a way that ultimately leads to economic and social advancement for themselves and their families; Protecting children from future economic shocks and helping them build a store of resources for future investments; and Promoting overall development within society. Section 9 of the Money Laundering (Prohibition) Act 2004 states that every financial institution must develop training programmes to combat the laundering of the proceeds of crime or other illegal acts. Fighting corruption Our Early Savers account financial inclusion isThe Bank’s long-standing commitment to Dora theevident through our partnership with Nickleodeon’s Explorer that every child hasaccount. This new product aims to ensure from theaccess to sound and impartial money guidance earliest age. by: Our Early Savers account aims to help society • • • • • • fun Our Early Savers product gives our young customers an easy, and interactive way of learning about the money management skills they will use for the rest of their lives. Through this programme, kids can bank at school and so gain a hands-on banking experience in a fun and interactive environment. We have a proud tradition of helping generations of young have a proud tradition of helping We and smart moneypeople learn about the importance of saving 1 million kids with themanagement. By 2015, we aim to provide lead financially securegrounding in financial literacy they need to to this goal is bylives. One of the main ways we have committed savings from theestablishing series of products which encourage cradle to adulthood. Financial inclusion At Access Bank, we are encouraging a diverse workforce; respect for and appreciation of Employees differences in ethnicity, gender, age, national origin, disability and religion
People are the core of our business and our responsible human resource management practices are designed to accommodate the needs of each employee
Building a high-performance workforce The Bank seeks to encourage a sense of ownership in all aspects of its business. We also ensure that our practices develop Key issues requisite professional and ethical behavioural standards, deliver in the marketplace superior client service, and embrace sound financial discipline while recognising and rewarding performance. Our objective is to have a well-motivated staff who experience career satisfaction and take pride in working for a respected organisation offering progressive career development. Recruitment criteria As a merit-driven organisation, the Bank is committed to Building a high-performance providing equality in employment for all staff. Quality and merit workforce are the primary considerations when recruiting and this cannot Our responsible human resources be compromised. practices help our staff to develop At the entry level positions, we are interested in young, to their full potential. energetic, results-oriented and highly intelligent individuals with For further details a demonstrable passion for joining our team of high-performing please see page 30 professionals. Their career journey begins with a 4-month intensive training course at our Banking School of Excellence. Diversity and human rights In terms of hiring people with existing work experience, we look We pride ourselves on implementing for ambitious, self-motivated individuals with leadership qualities best-in-class workplace policies and practices. who are inspired to exceed customer expectations. For further details please see page 30 The Bank recruits via a web based e-recruitment portal which provides a platform for equality and transparency in the Employee engagement recruitment process. At our Banking School of Excellence, the We engage our employees through performance of each trainee is set against clear and objectively a range of strategic initiatives. defined benchmarks, which in turn determine the trainee’s For further details absorption into the organisation and subsequent evaluation. please see page 32 Diversity and human rights Employee satisfaction and The Bank is committed to respecting human rights in all its motivation business activities through compliance with national laws and Our Annual Employee Survey in labour legislation. Our workplace policies and practices are continues to demonstrate aimed at shaping corporate culture and guiding relationships the success of our human between the Bank and its Stakeholder groups. resources strategies. For further details please see page 32 Female empowerment We are providing women in our workforce with the support they need to build their careers. For further details please see page 35
Access Bank Plc Corporate Social Responsibility Report 2011 30 Employees
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k Plc Access Bank Corporate Social Responsibility Report 2011
in which we operate. Safe and healthy working conditions; practices;Non-discrimination in personnel and hiring No forced or child labour; (if operationsRights to basic health, education and housing are located in areas where these are not provided); and standards forRespect for existing international guidelines the use of force; communities; and Protecting the economic livelihood of local that affectContributing to the public debate about matters the communitiesour operations, employees, customers and The Bank has a responsibility to ensure that human rights are upheld in all its lending decisions, all its interactions with staff and those of suppliers and contractors through procurement and supply chain management. Access Bank employees advocating the theme Individual rights as expressed inOur policies support the rights of the individual comprises thethe International Bill for Human Rights, which of Human Rights –1948 United Nations Universal Declaration onUNUDHR – and the 2, 1966 International Covenants Human Rights. standards forThe UNUDHR contains internationally accepted and businesses.human rights and applies to governments are:The general principles related to business practices • • • • • • • ‘Getting to Zero’ during Day AIDS the 2011 World Employees The Bank provides an continued enriching employee experience with opportunities to pursue rewarding and challenging work with talented and supportive colleagues, learning and development opportunities, benefits that have the flexibility to meet employees’ needs, fair and competitive compensation, and support for work/life effectiveness
As a member of the United Nations Global Compact (UNGC) the Meetings Bank is committed to upholding the 10 principles of the UNGC in We reinforce organisational culture and values, and strengthen respect of human rights, labour rights, environmental protection internal communication, through different meetings. A calendar and anti-corruption. The Global Compact seeks to promote of corporate meetings is displayed on the Bank’s intranet. In responsible corporate citizenship, so that businesses can form 2011, this calendar included management meetings, meetings part of the solution to the challenges of globalisation. for MDs of the Bank’s subsidiaries, and other similar events. Eliminating discrimination and encouraging diversity The Bank has measures to eliminate discrimination and Employee satisfaction and motivation encourage cross cultural interaction, as well as tolerance of The objectives of the 2011 Employee Satisfaction Survey diversity. The non-discriminatory practices extend to the Bank’s were as follows: hiring and recruitment activities. • To measure the level of employee satisfaction in 2011 We are committed to upholding ethical practices across our and understand how the trend has changed from 2009; operations and will not engage in forced or compulsory labour, • To conduct a health-check of the bank from the perspective or take part in direct operations that involve child labour. of employees; and In 2011, we launched a programme to ensure a higher • To obtain insight into what motivates employees and what recruitment rate of people from the northern part of Nigeria. drives workforce attrition levels in Nigeria. This initiative aims to increase the proportion of the Bank’s total workforce from the northern region, which currently stands at Participation a very low level. The participation rate was 73% as against a plan of 85%. There was a 7% drop in the participation rate against 2010. Employee engagement The top and bottom Groups are as shown below. As key Stakeholders, employees are actively engaged and managed through a range of initiatives. Participation rate Recognition and rewards (Top groups) The Bank recognises and rewards employees who make %
significant contributions to the organisation at 3 different 100 Cement levels: contribution to team, to division and to the bottom line. 100 HR We also have a long-service award to recognise staff who have 95 Fincon completed 5 and 10 years’ service with the Bank. 92 Corporate Counsel Retreats 90 Corporate Comms The Bank periodically holds retreats off-site in order to 90 ITQM engage employees in strategy and organisational development. 90 CPC A number of divisions held retreats during 2011. Participation rate (Bottom 5 groups) %
52 CBD – West 50 Market Risk 48 CBD – North 48 CBD – Lagos 44 CBD – South East
Access Bank Plc Corporate Social Responsibility Report 2011 32 Employees 33 1 1 0 2 2010 2009 k Plc Access Bank HR Team Team Safety Culture My Mgr Training Diversity Work-life Dynamics Senior Mgt Career Opp Co-Workers Work Ethics Work Recognition Job Security Comp & Ben Org Structure 5.0 4.5 Corporate Social Responsibility Report 2011 4.0 3.5 3.0 2.5 2.0 1.5 competence 1.0 0.5 Core ratings 0.0 Staff at the Environmental and Social Risk Management Workshop Staff at the Agric Workshop Workshop Agric at the Staff Sustainable the Nigeria during Week Finance 0 0 11 1 11 1 0 0 0 0 2 2 2009 2 2 2009 Retail Group Officer Services All Staff Markets Banking Banking Top Mgt Top resource Mid Mgt Financial Executive Enterprise Transaction Commercial Institutional 5 6.0 5.0 4 4.0 3 3.0 2 2.0 1 1.0 Satisfaction index by division Satisfaction index by grade 0.0 0 The overall satisfaction level for Nigeria has remained stable overThe overall satisfaction level for Nigeria has terms, there was anthe last 3 years at 3.5. However in absolute improvement in 2011 (74.2%) over 2010 (71.5%). Satisfaction index Satisfaction Employees In 2011, management continued approved the launch of a Female Network with the aim of providing women within Access Bank with the opportunities, tools, networks and support they require to assume future leadership roles within the organisation
Core competence – areas of concern Supervisors There were 5 core competencies with satisfaction levels below 3. • Supervisors should focus on rewarding good behaviour rather They are: than punishing poor behaviour; Core competency Score • Supervisors should also be courteous and more empathetic 1 HR function 2.5 in dealing with subordinates; and 2 Compensation and benefits 2.5 • A bottom-up approach to decision making and issues 3 Recognition 2.5 resolution should be encouraged. 4 Training 2.5 Performance management 5 Work-life balance 1.0 • Performance management and reward systems should be There was a decline in work-life balance from 1.5 to 1; while transparent and consistent across different divisions; compensation and benefits reduced from a score of 3 to 2.5. • The input of direct supervisors should be given more consideration in appraisals (especially in Branch Services); and Summary of comments • Promotion guidelines should be made clearer as there is a Culture and climate perception promotions are generally delayed. • Access Bank should continue to take the pulse of staff and explore other opportunities for open communication; Safety and work environment • The IT infrastructure needs to be enhanced to reduce system • The Bank should continue to build an employer brand in order downtime. to attract and retain the best talent in the industry and culture of respect and co-operation should be embedded throughout Training the organisation; and • Staff do not receive the training required for them to operate • Work-life balance is very poor across the Group: working at the level required of them. extended/late hours, weekends and/or public holidays should • While there are good self-education and online resources be discouraged. available, work pressure means there is little time to use these. Compensation and benefits • The Bank should enhance remuneration practices through Staff attrition: January – December 2011 salary increases, mortgage loan increases, and greater Mid Top Total Attrition Division Officer Mgt Mgt Mgt Exec Resignation % flexibility in loan security. Operations 26 1 2 1 30 7.94% HR issues CBD 60 10 3 1 74 21.70% • Poor staff retention: low morale and motivation among staff; IBG 5 2 7 11.86% • Frequency and duration of meetings need to be reduced; FMD 8 1 1 10 23.26% • HR needs to be more approachable and interactive; Retail Banking 10 2 12 8.22% Enterprise 18 4 1 1 24 13.26% • Staff should be made to feel more secure and their personal Risk Management 13 4 1 3 21 18% concerns given more consideration; Total Resignation • Inadequate staffing levels as well as an experience and skills (YTD) 140 22 10 6 0 178 deficit; and Staff strength as • HR can increase staff confidence by addressing the results of at 30 November 956 158 100 42 8 1264 the survey. Attrition 14.64% 13.92% 10.00% 14.29% 0% 14.08%
Access Bank Plc Corporate Social Responsibility Report 2011 34 Employees 35 k Plc Access Bank Cross Section of staff at the Bank’sCross Section of staff at Party End of Year Corporate Social Responsibility Report 2011 Female Mentorship Programme to encourage women Female to seek top management positions and to help them prepare for such positions; Coaching sessions that provides candid feedback on development needs; and Counselling sessions. Identifying growth opportunities such as the development of emotional intelligence to improve competencies; Identifying and providing in-house training courses to develop leadership capabilities; and Success planning by defining each woman’s concept of success and supporting them in creating a roadmap that will allow them to achieve their selected success. An annual network event that will address topics of general interest to women in the bank and enhance their productivity in the Bank; and Sponsorship of mid-management women and high-potential women to other high-power female networks, for example WimBiz. for women to outline challenges encountered Forums in the workplace so they can receive support from other women who have been through similar situations. • • • • • • • • • Detailed task Mentoring Capability development Annual networking events Cluster network events Activities Key activities Key S/N 1 2 3 4
Staff credit card – staff with SIT; Mortgage loan – SMs and above Vehicle loan – ETs to Managers loan – ETs Vehicle Personal loan – all staff with SIT and subject to Personal toSalary advance – all staff with SIT and subject confirmation requirements confirmation requirements − − − − − at officer and mid-management; Improve the Bank’s ability to attract, develop and retain women from diverse backgrounds; and Cultivate leadership competencies. maternity leave, sick leave, examination leave; Relocation allowance; benefits; and Welfare scheme. Pension role models; Develop new and existing talent; the retention and promotion of women especially Foster Enhance women’s professional growth by providing information on coaching, career paths, flexibility and − Group insurance; leave,Leave – Annual leave, length leave, assorted − − Club subscription – AGMs and above; Financial assistance: − − • • • • • • • Objectives • • • Network In 2011, management approved the launch of a Female with the aim of providing women within Access Bank with the opportunities, tools, networks and support they require to assume future leadership roles within the organisation. Female empowerment Female The Bank’s practices on benefits to its employees are as follows: The Bank’s practices on benefits to its employees • • Benefits to full-time employees Aigboje Aig-Imoukhuede, GroupAigboje Aig-Imoukhuede, Bank’sManaging Director at the Party End of Year We have embarked on environmentally friendly initiatives and we are Environment irrevocably committed to reducing our carbon footprint
Throughout our operations, there is a strong commitment to minimise the Group’s impact on the environment
Our environmental impact We take our role in supporting the transition to more sustainable uses of natural resources very seriously. The Bank recognises that business growth implicitly depends on a stable future for human society so we support any responsible effort that protects and conserves the environment. As a financial services group, we have both direct and indirect impacts on society and the environment. In respect of both of these, our goal is to improve the way we use resources and curtail environmental impacts. Direct environmental impacts: Operational areas that involve the management of energy use, paper use, waste management, and procurement. In managing our direct impact, we have developed systems and processes to reduce our environmental footprint. In addition, we have raised environmental awareness among our Stakeholders, particularly our employees and suppliers. The environmental management system enables us to track and manage environment-related aspects of our operations such as energy, water, carbon emissions and waste management. Indirect environmental impacts: Developing products and services with an environmental dimension, and factoring in the environmental and social risks of the Bank’s policies. We manage our indirect impact by screening corporate banking loans to ensure that the customers we lend to manage the social and environmental risks associated with their activities. We impact directly on the environment in our daily business activities through our consumption of energy.
Climate change We advocate a proactive response as tackling climate change will require a concerted effort between government, business and individuals. The impacts of climate change can already be seen and there is no question that climate change will continue to impact our customers and our own operations, which is why the issue is central to our business strategy. The Bank has embarked on new environmentally friendly initiatives and we are irrevocably committed to reducing our carbon footprint.
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k Plc Access Bank Corporate Social Responsibility Report 2011 form of national action plans focused on energy efficiency commitment, but with the ultimate aim of absolute emissions reductions; Continuity in the legally binding framework underpinning the carbon market and provisions for an expanded and more liquid global carbon market; reform, and expansion of the Clean Development A review, Mechanism; Clear measures to reverse deforestation and value forests as carbon sinks; and and A commitment to adaptation in order to prepare for, respond to, the physical impacts of climate change. A binding global target for reducing greenhouse gasA binding global target for reducing greenhouse emissions, the reductions are informed by the latest available scientific evidence for avoiding dangerous climate change (which suggests that global greenhouse gas emissions must decline by between 50% and 85% by 2050 versus 2000); Long- and medium-term emissions reduction targets for developed countries which will be backed up by effective national action plans; Contributions from developing countries, initially in the • • • • Investor Statement on ClimateThe Investor Statement on a Global Agreement of four investor andChange was originally produced by a group Environmentfinance sector associations: the United Nations Investor Network onProgramme Finance Initiative (UNEP FI); the Group on ClimateClimate Risk (INCR); the Institutional Investors Climate Change/ Change (IIGCC); and the Investor Group on was issued inAustralia and New Zealand (IGCC). The statement Convention on Climate 2008 in the run-up to the UN Framework 2009. Change in Copenhagen in December, United NationsThe Bank, as a committed member of the (UNEP FI), signed onEnvironment Programme Finance Initiative the importanceto the statement at that time to demonstrate effective globalthat investors attach to a strong, credible and agreement on climate change. our own stance as This statement continues today to reflect a what investorsbusiness on climate change. It outlines in detail to allocate capital in aare looking for from policymakers in order a low carbon economyway that supports both the transformation to This includes: and the development of adaptation measures. • • • 38 39 39 40 40 40 36 36 39
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E&S issues in investmentE&S organised a pioneering Nigeria We Sustainable Finance Week. Environmental, social andEnvironmental, social integration corporate governance These considerations remain at the forefront in the Bank’s daily life. risk management and Paper and materials Paper are controlling how the We Bank consumes paper. become more sustainable. Business transport have utilised our fleet to We minimise our carbon footprint in Managing energy usage is a cornerstone of our aim to usage Water are working to reduce We our water footprint. the environment. to reduce our carbon footprint. to reduce our carbon Sustainable finance follow best practice in We managing project finance. Energy consumption and indirect aspects of ourand indirect aspects of environmental impact. Climate change are helpingA range of initiatives Our environmental impact Our environmental both the direct are managing We in the marketplace in the Key issuesKey Environment Our use of video conferencing continued in the Eastern and Northern regions of Nigeria has impacted hugely on our carbon footprint
Carbon footprint management Environmental and Social Risk Management (ESRM) Policy Projects currently running as part of our footprint management The Bank has adopted an Environmental and Social Risk include: Management Policy (ESRM) which includes implementation of the Equator Principles for its transactions and which, Paperless processes: To reduce cumbersome paperwork, we through the International Finance Corporation’s environmental have invested in a ‘workstation’ software that automates basic and social performance standards, addresses issues such as bank operations and processes; labour and working conditions, community health and safety, Paper usage: We have instituted and communicated paper land acquisitions and resettlement, and the treatment of usage policy, which advises staff to avoid printing. However, indigenous peoples. if necessary, printing should be done on both sides of a paper. Our ESRM Policy requires that all business operations and Where applicable, paper can be re-used. This has helped reduce lending decisions include consideration of risks such as climate paper wastage across the Bank; and change, including the physical risks resulting from extreme Energy reduction: our 8 o’clock shut-down policy and other weather and other changes. It also covers the impacts of clients’ energy reduction initiatives have seen the Bank make progress activities on biodiversity, deforestation, air pollution and water in its quest for environmental sustainability. pollution. We use our comprehensive ESRM Policy to screen transactions, advise clients, and promote environmentally and Sustainable finance socially sound ways of doing business. We manage the potential social and environmental risks The Bank has comprehensively reviewed its ESRM Policy with associated with our lending and investment by following input from relevant internal and external Stakeholders. This international standards of good practice, such as the Equator provides the framework, policy and procedures for assessing and Principles, which apply to project finance. managing E&S risk issues within all relevant business activities of We are also in the process of developing polices for lending the Bank. To this end, we apply the Equator Principles and the IFC to socially and environmentally sensitive sectors and creating Performance Standards to our project finance and other lending a toolkit to capture transaction impacts/risks, recommend transactions across our strategic business units. For loans, debt outcomes for risk management approaches, and define and equity underwriting, as well as financial advisories and monitoring and reporting requirements. derivative transactions that are project linked, the Bank applies Equator Principles for project finance an assessment technique that is broadly consistent with an Equator Principles approach. The Equator Principles (EP) Report is a framework to help financial institutions address potential environmental and social The Bank’s ESRM procedures comprise 6 distinct components risks when providing project finance loans or project finance for the management of environmental and social (E&S) risks advisory services. Since adopting the principles in June 2009, that emerge in our credit/investment cycle. Each component we have integrated the principles as a risk management measure represents a critical step in the Bank’s integrated ESRM approach when assessing which projects to finance. In addition, we have to the products and services we offer. These components are: put in place appropriate procedures that ensure total compliance 1. Screening; with the Principles. 2. Risk Assessment; 3. Due Diligence; 4. Decision and Documentation; 5. Monitoring; and 6. Reporting.
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k Plc Access Bank emissions and 2 Corporate Social Responsibility Report 2011 Access Bank employees Bank Access We provide buses to transport employees within different We regions to the Bank’s service outlets. This has helped reduce the daily use of personal cars by staff; Our cars are constantly maintained and assessed to meet the minimum requirements of roadworthiness. The cars in our fleet are serviced regularly to ensure they produce minimum pollution; dispose of older cars that have deteriorated to the extent We that their use may impact negatively on the environment; and Our use of video conferencing in the Eastern and Northern regions of Nigeria has impacted hugely on our carbon footprint. Video conferencing has helped to cut our travel costs. Water usage Water boreholesThe Bank’s water comes from 2 major sources: State Water and the Government (the state-owned Lagos impact: it reducesCorporation). This has a three-fold negative greenhouse gasthis limited natural resource; it causes significant and trucking of water;emissions through desalination processes emissions. and it contributes to other undesired vehicle is part of ourReducing our operational water footprint impact ofenvironmental strategy to solve the triple negative to report our waterwater and we have put measures in place usage and how we recycle and discharge water. Business transport The Bank’s car fleet is managed by its General Resources are always conscious of the hazards Management Group. We of poor management of our fleet system and have taken steps to minimise its impact on the environment, as follows: • • • • used about 23,877,600.00 kWh of diesel-generated powerused about 23,877,600.00 kWh of diesel-generated Energy capacity. based on 75% utilisation of generator-installed basedsaved due to conservation and efficiency improvements policy wason the Bank’s 8:00 p.m. generator shut-down reduction was2,439,258.66 kWh while 2,984,700 kWh Our approach toachieved on indirect energy consumption. energy management is to minimise our CO carbon footprint as much as possible within the confines ofcarbon footprint as much as possible within our operating environment.
of E&S impacts and risks according to financial product type,of E&S impacts and risks according to financial client and country; sector, assessmentCapturing transaction impacts and risks and approachesoutcomes as a basis for developing management and externally); and and reporting across the portfolio (internally risksOffering potential solutions to mitigate E&S commensurate with the scale of impacts. Providing a framework for the identification and assessmentProviding a framework for the identification or environmental impacts. Company of Nigeria (PHCN). In 2011, Access Holding the Power Bank consumed about 10,272,021.33 kWh of PHCN power based on a billing tariff of N15/kWh for branches, head office also and annexes (compared to 8,888,878.05 kWh in 2010). We Energy consumption do The Bank actively manages its energy consumption. We • • reduce the timeIn general, the toolkit will help the Bank to exposures. involved in managing and monitoring risk are now screenedThe result is that the Bank’s project prospects with thefor inherent social and environment risks associated based on the outcomeproject and classified under the following, of the risk assessment: Category A: High Risk: Projects with potential significant adverse social or environmental impacts that are diverse, irreversible or unprecedented; Category B: Medium Risk: Projects with potential limited adverse social and environmental impacts that are few in generally site specific, largely reversible and readily number, addressed through mitigation measures; and Category C: Low Risk: Projects with minimal or no social this as part of our continuing work on making the Bank more are mindful too of the rising cost of electricity sustainable. We in Nigeria. Our direct energy consumption from primary sources is from for higher E&S risk exposure sectors (oil & gas, and cement) havefor higher E&S risk exposure sectors (oil & been developed and deployed across the Bank. Evaluating project finance proposals of decision-support tools to also use a web-based suite We enhance the screening of transactions by: • Beyond the review of the Bank’s ESRM policy, specific policies Beyond the review of the Bank’s ESRM policy, Inclusion of sector specific policies Environment Access Bank makes a continued significant contribution to sustainability through its investments. These investments aim to set the highest standards of corporate governance and promote environmentally sound and sustainable development
Paper and materials environmental and social considerations into investment We have long worked on reducing the paperwork involved and risk management decision-making; in our basic banking processes. In previous years, we purchased • Conducted Gap Analysis and identified policy, capacity software that negates the need for paperwork in certain development and reporting approach; processes. We have communicated to staff our paper usage • Conducted Cost Benefit Analysis (CBA) with findings covering policy, which includes printing on both sides of a sheet and identifiable non-financial terms as well as financial terms. printing memos on reused paper. Our practice of printing front These helped in accessing the total expected costs against the and back continues for all internal correspondence. The Bank expected benefits of implementing ESG considerations in our has also outsourced its printing and photocopying to reduce project financing and other lending activities; wastage. This initiative also ensures proper monitoring and tracking of printing and photocopying activities throughout • Customised sustainable finance tool kit to assist in capturing the Bank. Paper constitutes some 98% of materials consumed transaction impacts/risks, and determining recommendations by the Bank. as well as reporting requirements of lending activities; and • Developed polices for the cement and oil-and-gas sectors. All the paper we use is manufactured from recycled materials. The Bank consumed about 132,113 reams of paper in 2011, 2011 which is approximately 79,268kg at 0.6kg per ream. This • Initiated and implemented the first-ever Nigeria Sustainable compares to about 91,130.45 reams of paper consumed in Finance Week; 2010. The marked increase in the amount of stationery • Initiated the concept of the Nigerian Sustainable Banking consumed in 2011 was due to the Bank’s customer acquisition Principles; programme Operation Just Cause and the significant volume • Signed joint commitment statement on Nigerian Sustainable of work associated with completing the merger with Banking Principles with other financial institutions in Nigeria; Intercontinental Bank. • Secretariat to Strategic Sustainability Working Group (SSWG) Environmental, social and corporate governance with responsibility for developing the Nigerian Sustainable integration Banking Principles; In 2009, the Bank commenced the strategic integration of • Signed joint statement on Nigerian Sustainable Banking Environmental, Social and Governance (ESG) issues into its Principles with member banks. business operations. The review takes all significant ESG issues into consideration while ensuring that our business operations E&S issues in investment and risk management do not degrade the environment or cause social harm. In 2009, As part of the Bank’s sustainability agenda, a workshop was the Bank signed up to the United Nations Global Compact organised for credit officers, analysts, risk officers, product (UNGC) and the Equator Principles (EP). The Bank has continued managers and E&S specialists of the Nigerian financial sector. to bring ESG issues to bear on its operations each year since that The workshop focused on the importance, as well as the time, as follows: effective techniques and consequential benefits, of incorporating 2009 environmental and social considerations into investment and risk management decision making. This was implemented in • Signed up to the United Nations Global Compact (UNGC) and partnership with the FMO, IFC, African Development Bank and Equator Principles (EP); and Proparco. The workshop discussions reached the following • Trained employees in the dynamics of Environmental & Social conclusions: Risk Management. • Nigeria’s economy creates a specific range of E&S issues to 2010 be addressed by its banking sector; • Developed customised sustainable finance toolkit for assessing • E&S risk management helps to minimise the harmful E&S lending activities, in line with the Equator Principles (EP); impacts in banking; • Undertook capacity building for Nigerian financial institutions regarding techniques and benefits of incorporating
Access Bank Plc Corporate Social Responsibility Report 2011 40 Environment 41 k Plc Access Bank Corporate Social Responsibility Report 2011 Jekwu Ozoemene, Managing Access Bank Zambia Director, Limited, Access Bank Plc at during the Agric Workshop the Nigeria Sustainable Finance Week CEO Roundtable at the Nigeria Sustainable Finance Week Develop responsible business. Improve overall risk management Gain access to capital Engage with Stakeholders Measuring, monitoring and reporting E&S performance; Measuring, monitoring and reporting E&S Differentiate from other institutions Training and engagement of staff at all levels of seniority and engagement of Training E&S due diligence for new and existing clients andE&S due diligence for new and existing clients transactions Integration of E&S policies, procedures and tools intoIntegration of E&S policies, procedures and existing processes Development and implementation of E&S risk assessmentDevelopment and implementation of E&S tools for clients and transactions Development of E&S policies and procedures which may beDevelopment of E&S policies and procedures country specific.general, industry specific, issue specific, This should also contain an exclusion list − − − − − − − − − − − − − − − − Through E&S risk management, individual financial institutions can: − − − − − E&S impacts represent financial, reputational and legal risksE&S impacts represent financial, reputational for banks; towards theEffectively managing these risks contributes respect topositioning of a financial institution with competitors, clients and capital providers; can create aUnderstanding what lies behind E&S risks that addressfoundation for developing products and services the E&S issues of clients; requires theSetting up an E&S Risk Management System following: − • • • • • Our procurement policies are inclusive and aim to promote sustainable business practices Supply Chain and economic development
We are seeing good progress in making our supply chain more sustainable
Key objectives and goals The Bank’s standard procurement framework facilitates proper assessment of our vendors and enhances our standing in the business community. We conduct assessments of vendors bi-annually in line with the Bank’s policy, examining the following criteria: 1. Track record; 2. Ethical values; 3. Geographical distribution; 4. Quality of service; 5. Price; and 6. Authorised dealership. Redflag Redflag is an indication that the vendor’s service is not up to standard and needs to be monitored over the subsequent appraisal period. However, if there are no changes after a series of letters and meetings, which will indicate the vendor is facing challenges maintaining its contract, a recommendation will be made to management to remove the supplier from the Bank’s official vendor list. Spending tracking system The Bank purchased software which integrates project budgeting, purchase orders, invoices, labour, and material tracking with the Work Order/Work Request System. Currently, requisitions for items are routed via this system. This will enable the Bank to track its procurement spend as well as provide analysis, which will aid future planning. The aim is that in the next 2 years the Bank’s entire procurement process will be fully automated. In addition, the Bank’s Operational Risk Management Unit also conducts due diligence on vendors to ensure they meet the Bank’s standards and requirements. The Bank also sets KPIs for vendors and ensures that they comply with these.
Access Bank Plc Corporate Social Responsibility Report 2011 42 Supply Chain 43 k Plc Access Bank Corporate Social Responsibility Report 2011 Child labour; Business ethics; Eco friendly equipment; and CSR activities. • • • • Engaging suppliers are engaged through the following means: Vendors 1. Quarterly meetings; 2. Site visits; and 3. An invitation to our Annual General Meeting. Quarterly meetings – agenda performance and improvement; 1. Vendor’s 2. Bank’s performance; terms; and 3. Payment 4. CSR issues: Key issues Communities in the marketplace
Access Bank is changing lives and impacting The fight against AIDS, communities through TB and malaria in sub-Saharan Africa its social investments We are at the forefront of the private sector response to this triple pandemic.
For further details please see page 44 Health education in the workplace The Bank has delivered success in health training to thousands of SMEs across Africa. The Bank focuses on Health, the Arts, Education, Environment, and Sports. It engages with relevant Stakeholders to address For further details 45 community issues while encouraging employees to please see page contribute ideas, skills and resources through its Employee Community engagement Volunteering scheme. with deforestation Our tree-planting campaign is The fight against AIDS, TB and spurring students to take action. malaria in Sub-Saharan Africa In terms of AIDS, TB and malaria, sub-Saharan Africa remains For further details 46 the worst-affected region in the world, hosting two-thirds of the please see page total number of people infected by the triple pandemic. People Employee volunteering aged between 15 and 24 are among the hardest hit, with this Our employees show real passion section of the population reporting the greatest number of new when it comes to serving their infections. Since this same demographic represents the future local communities. workforce of African economies, the triple pandemic poses a serious threat to Africa’s economic growth. For further details please see page 48 The impact of AIDS, TB and malaria on the private sector is particularly complex. The short-term and long-term business costs are inevitably high since they reduce consumption, profits, tax revenue and investment, result in shrinkage of intellectual capital, institutional memory and business contacts/networks, and affect the quality of essential services. Best conducted as a partnership between government, private sector, and labour organisations, the fight against AIDS, TB and malaria is clearly for the public good as the pandemic can significantly affect social and economic development. The Bank has been at the forefront of the private sector response through a number of initiatives that address the United Nations Millennium Development Goal 6 – Combating HIV/AIDS, Malaria and other diseases. Specific initiatives have involved capacity building, education about disease prevention, treatment, care and support, as well as communications and networking in all the countries in which the Bank operates. These have sought to reduce the effect of the pandemic on employees, their families, supply chains, clients and society in general. The Bank strongly believes that with adequate information, people can be helped to understand the diseases, so that they in turn prevent transmission and ultimately become non-discriminatory towards other people living with HIV/AIDS.
Access Bank Plc Corporate Social Responsibility Report 2011 44 Communities 45 k Plc Access Bank Corporate Social Responsibility Report 2011 In addressing the triple pandemic, the Bank has been able toIn addressing the triple pandemic, the Bank prevention andreach about 400,000 people with relevant as its website, ATMs, treatment information via platforms such and talk-shops and community outreach programmes; Access Bank is partnering with the Discovery Currently, (DCGEP) on the Channel Global Education Partnership film entitled Insideproduction of a prevention and educational Story – The Science of HIV/AIDS. A comprehensive, multi-year as many as 300distribution strategy will help the film to reach million people. Health education in the workplace Africa in of the Global Fund in partnership with Friends Working a workshop seriesthe last quarter of 2011, the Bank conducted (SMEs) inthat trained 1,250 small and medium enterprises on AIDS, TB anddeveloping workplace policy and programmes Rwanda, Nigeriamalaria. The training was conducted in Zambia, employees andand Ghana. These SMEs will help some 22,500 behavioural and90,000 of their dependents in making informed of the triplemedical choices that help prevent the spread workshop series follows the pandemic. The four-country inaugural programme in Nigeria. In a continent where one-third of SMEs expect AIDS, TB and malaria will have a negative impact on their business in the the workshop series is a powerful way of helping coming year, African business. This initiative gives African companies the tools they need to address the 3 pandemics with the aim of mitigating the worst effects and promoting a strong African private sector. Delegates expressed strong appreciation for the aims and content of the workshop series. Students reading through the Bank’s HIV/AIDS brochure during the school education programme Facilitator at the Bank’s SME Facilitator Programme Policy Workplace Highlights of our work: • • emissions in their emissions 2 Over 1,600 students from 40 from students 1,600 Over were inspired schools secondary CO to reduce schools, at home and throughout at home schools, communities their local Communities Participants at the SME continued Workplace Policy Programme Workshop learnt about the statistics on HIV/AIDS, TB and Malaria in their countries as well as the qualitative and quantitative impacts these diseases have on the African workforce and workplace
Policies and implementation Minister of Health, Dr Agnes Binagwaho. Also attending were The workshops taught participants about workplace policies and Mr Faustin Mbundu, the Chairman of the Rwanda Private Sector how to implement them. Delegates learnt about the statistics on Federation, Ms Omobolanle Babatunde, Head of CSR at Access HIV/AIDS, TB and malaria in their countries, as well as the Bank, Mr Jackie Kayitshonga of Access Bank Rwanda, and Mr qualitative and quantitative impacts these diseases have on the Richard Kasesela, the President of the Pan-African Business African workforce and workplace. They studied how appropriate, Coalition. evidence-based workplace policies can manage and mitigate the Lagos, Nigeria impact of the 3 diseases and heard how government, NGOs and Workshops were held in 4 locations at Victoria Island, Ikeja, Yaba other private sector organisations can support Zambian, and Apapa. At the opening ceremony in Victoria Island on 2 Rwandan, Nigerian and Ghanaian businesses in fighting these November, dignitaries included the First Lady of Lagos State, Mrs pandemics. The workshops also looked at the cultural barriers Abimbola Fashola, Mrs Bukky Holloway, CEO of Access Bank, Ms to addressing AIDS, TB and malaria, with a focus on the cultural Omobolanle Babatunde, Head of CSR at Access Bank, and Dr Akudo values around these 3 diseases and how to overcome stigma and Anyanwu Ikemba, CEO/Founder Friends of the Global Fund Africa. involve men further in family health. Also present at the opening ceremony were Dr Tolu Arowolo, who Technical partners stood in for the Country Director of the World Health Organization, Key technical partners involved in the workshop are: Mr Effiong Eno, representative of the Director General of the National Agency for the Control of AIDS, Mr Olusina Olulana, • Global Business Coalition for Health (GBCHealth); Executive Secretary of the Nigerian Business Coalition against AIDS, • Nigeria Business Coalition Against AIDS; and Lagos State Agency for the Control of AIDS. • Ghana Business Coalition Against AIDS; Accra, Ghana • Rwanda Biomedical Centre; The workshop took place on 22 November at the Holiday Inn, • Zambia National AIDS Council; Accra Airport. It was attended by Hon. Joseph Yileh Chereh, • National Agency for the Control of AIDS (NACA) Nigeria; The Honourable Minister of Health, Dr Akram Ali Eltom, Director, Partnerships Unit (The Global Fund), Dr Richard Amenya from • National Malaria Control Programme, Ghana; Ghana AIDS Commission, Mr Yomi Akapo, Managing Director, • Lagos State AIDS Control Agency; Access Bank Plc Ghana, Dr Derek Aryee of the Ghana Business • Zambia Federation of Employees; Coalition, Dr Constance Bart-Plange, National Malaria Control • Rwanda Private Sector Federation; and Programme, and Mr Austin Edoja-Peters, Head, Corporate Communications, Access Bank Plc. • Ghana AIDS Commission. Lusaka, Zambia Tree planting – Going Green, Beyond Words The Bank is partnering with Idea Builders Initiative in support of The workshop was held on 17 October in the Intercontinental Hotel a nationwide tree planting campaign called ”Going Green, Beyond and was opened by the Honourable Deputy Minister of Health, Words”. The aim is to inhibit global warming and protect the Dr Patrick Chikusu. Other dignitaries included Ms Omobolanle environment from deforestation and encroachment of deserts. Babatunde, Head of CSR, Access Bank, Mrs Mukwandi The campaign commenced in 2009 and the Bank is now seeking Chibesakunda, CEO of Access Bank Zambia, Bishop Joshua Banda, to take this initiative across Nigeria and on into other parts of the Chairman of the National HIV/AIDS/TB/STI Council (NAC), Africa, and to mobilise young people to take ownership of the and Ms Patience Sakuringwa, Executive Secretary of the Zambia programme. In 2011, the campaign focused on 2 states in Nigeria: Chamber of Small and Medium Business Associations. Niger State in the north central geopolitical zone, and Sokoto Kigali, Rwanda State, a frontline state in the north west geopolitical zone. During In Rwanda, the workshop took place at the Serena Hotel, Kigali the year under review, more than 2,000 trees were planted while on 21 October. The Director General of Centre National de la over 1,600 students from 40 secondary schools were inspired to
Lutte contre le SIDA (CNLS), Dr Anita Asimwe, opened reduce CO2 emissions in their schools, at home and throughout proceedings with a speech on behalf of Rwanda’s Honourable their local communities. Highlights of the programme include:
Access Bank Plc Corporate Social Responsibility Report 2011 46 Communities 47 k Plc Access Bank Above: Breakout session during Policy the SME Workplace in Nigeria Programme Workshop Corporate Social Responsibility Report 2011
Left: Participants presenting Left: Participants the HIV/AIDS, TB and Malaria developed Policy Workplace by their respective Groups at the SME Workshop
Left: Participant receiving certificate Left: Participant of participation from Julie M. Cege, Program Manager – Business Networks Development, GBCHealth Kenya Right: Dr Olusina Olulana giving Right: Dr Olusina Olulana, CEO, CEO, Olulana, Olusina Dr Right: Against Business Coalition Nigeria Program M. Cege, AIDS, Julie Networks – Business Manager Kenya, GBCHealth Development, Babatunde, Head,Omobolanle (4th Access Bank Sustainability, Holloway, left); Mrs Bukky First Lady of Lagosrepresenting Dr Fashola; State, Mrs Abimbola Ikemba, CEO/ Akudo Anyanwu Africa and Friends Founder at the SME Workplace participants Programme Workshop Policy Nigeria (from left to right) a certificate of participation to a participant at the SME Workplace Workshop Programme Policy Right: Participant asking a Right: Participant question during the SME Programme Policy Workplace Zambia Workshop Right: Cross section of participants Policy at the SME Workplace Programme Workshop Communities We believe that tapping into continued the passion and expertise of employees is one of the most important ways we can create positive change in the communities we serve
Train the Trainers (TOT) Workshops Dignitaries at this event included: Mr Idris Muhammad, Director The TOT Workshops were held in mid 2011 and shared of Ecology; Alh. Bala Musa, representative of the State Director, the objectives of Going Green, Beyond Words with over 80 National Orientation Agency; Mr Mallam Sherif Ibrahim, State representatives from partner schools. They in turn completed Coordinator, National Environmental Standard and Regulation 6 briefing sessions for a highly enthusiastic audience of 1,600 Enforcement Agency (NESREA); Dr Mahmud Mohammed, students from each of the 40 partner schools. Permanent Secretary, Ministry of Education; and Mr Yusuf Ndako, State Coordinator, Niger State Agency for Mass Education. Students focus group meeting and inauguration of the Green Club Sokoto state The student focus group meeting provided a platform to educate The formal launch of the project in Sokoto State was attended by students about the campaign’s aims, to increase their awareness some 200 people including government officials, officials from of environmental sustainability, and to encourage schools to take participating schools, students and Access Bank staff. Opening ownership of the programme. The schools also established remarks were read by Mustafa Aliyu, the Relationship Manager, Green Clubs. Sokoto Branch of Access Bank. The Executive Governor of the state, who was out of the country, was represented by Alhaji Programme launch Abubakar Mohammed Dan-Shehu Permanent Secretary, Ministry The initiative was formally launched in Minna, Niger State of Environment. Keynote addresses were delivered by Mr Adeniyi on Thursday, 30 June, 2011 and in Sokoto, Sokoto State, Adeleye of Idea Builders Initiative, and Dr Buhari Bello Kware, on Thursday, 7 July, 2011. Permanent Secretary, Ministry of Science and Technology, Niger state Sokoto State. The event was held at Day Secondary School B, Chanchaga, After the speech and opening remarks, the following officials Minna, Niger State on 30 June, 2011 and was attended by over participated in the tree planting: the representative of the 200 people. The Niger State Executive Governor, represented Governor, Alhaji Abubakar Mohammed Dan-Shehu; Dr Buhari by Dr Mammud Mohammad, Permanent Secretary, Ministry Bello Kware, Permanent Secretary, Ministry of Science and of Education, gave a keynote address. The speech was followed Technology, Sokoto. Ahmad Bala Allu, Deputy Director, Senior by remarks from key Niger State government officials including: Secondary, Representative of the Honourable Commissioner, Mrs Fati Abdullahi, Director of Educational Services; Dr (Mrs) H. Ministry of Education, Sokoto; Mustafa Aliyu, Relationship N. Muhammad, Permanent Secretary, Ministry of Environment; Manager, Access Bank; and the representative of the Sultan, Aliyu Muhammad, Director of Forestry; Alh. Balarabe Musa, Abubakar Maccido, from the Sultanate Council. the representative of the Permanent Secretary, Ministry of Youth Affairs and Strategy. Other dignitaries at this event included: Salisu A. Shehu, Director of Forestry, Ministry of Environment; Nana S. Baura, Ministry of This was followed by presentation of tree planting tools to Science and Technology; Yakub Alhassan Abdul, CEO Senior representatives of the 20 participating schools, with dignitaries Secondary, Ministry of Education; Ibrahim Idris, Assistant planting trees at the school premises. The students of Day Director, Ministry of Science and Technology. Secondary School B, Chanchaga, Minna – the host school – also performed a drama piece. The event concluded with a closing Employee volunteering speech by the Principal of the School. The Bank encourages employees to become actively involved in volunteering. Activities can involve supporting school programmes, coaching local youths, teaching financial education or serving on the board of a non-profit organisation. We believe that tapping into the passion and expertise of employees is one of the most important ways we can create positive change in the communities we serve. Employee volunteering significantly enhances the impact and social value of our investments.
Access Bank Plc Corporate Social Responsibility Report 2011 48 Communities 49 k Plc Access Bank
Corporate Social Responsibility Report 2011 Left: Cross Section of Participants Left: Cross Section of Participants at the Cervical Cancer Symposium Right: Employees from the Bank’s Internal Audit Unit awarding gifts to the best student of the Wesley School of the Hearing Impaired Right: Volunteers from the Right: Volunteers Enterprise Business Support Group Football at the UNICEF Fundraising aimed at support Tournament efforts geared at assisting children infected and affected by HIV/AIDS Right: Participants queuing up to up queuing Participants Right: and breast free cervical take the test cancer Right: Refurbished library at theRight: Refurbished library Herbert Macaulay Girls School Communities continued
Right: Going Green, Beyond Words, Above: Going Green, Beyond Tree Planting initiative Words, Tree Planting initiative
Community investment data Enterprise Development Public Policy And Governance Workshop 15,000,000.00 International Conference On Challenges Of Terrorism/Centre For Criminal Justice Reform & Citizen Awareness 5,000,000.00 Sub-Total 20,000,000.00 Education & Enterprise Fate Foundation Business Plan Competition 1,000,000.00 Sub-Total 1,000,000.00 Health “Gift From Africa” Initiative 51,999,898.50 SME Workplace Policy Programme 31,937,255.04 2011 World AIDS Day 810,000.00 Nigeria Business Coalition Against AIDS 1,200,000.00 Kendra Johnson Foundation 500,000.00 Discovery Channel Global Education Partnership 15,650,000.00 National Agency For The Control Of AIDS 14,500,000.00 Pink Pearl Foundation 2,000,000.00 Bloom Cancer Care And Support Centre 1,000,000.00 Maria Sam Foundation 5,000,000.00 Yakubu Gowon Foundation 2,000,000.00 Sub-Total 126,597,153.54 Environment Environment & Social Risk Capacity Building Workshop 4,020,950.00 Going Green, Beyond Words Tree Planting Initiatives 10,780,000.00 Nigeria Sustainable Finance Week 17,264,400.00 Go Green Publication 100,000.00 Sub-Total 32,165,350.00 Social Welfare Improving Road Access in operating environment 200,000.00 Women For Change Development Initiative And A. Aruera Reachout Foundation 30,000,000.00 Sub-Total 30,200,000.00 Grand Total 209,962,503.54
Access Bank Plc Corporate Social Responsibility Report 2011 50 Communities 51 k Plc Access Bank Over 200 students and staff of the Ladipo School The 2011 programme witnessed attendance of 350 participants and 335 women participated in the screening Types and Types Number of Beneficiaries None George Kerry Life Foundation Implementation partners (if any) Corporate Social Responsibility Report 2011 A 3 year school adoption project. A 3 year school adoption on an In 2011, the Group embarked electrification of the Ladipo Primary and a School administrative block set-up at computer laboratory was of the school with the donation 5 computer systems. In addition, to teach a tutor has been assigned office the students basic Microsoft application. The programme entails cervical cancer publicity and awareness through e-mails, social media webpages (such as facebook and twitter), flyers, one on one interaction; and symposia on cervical cancer amongst others. The 2011 programme witnessed attendance of 350 participants that included representatives from more than 100 schools in Lagos State with not less than 5,000 students in their circle of influence and local government workers who have direct influence on host communities. In the participants course of the seminar, were well educated and encouraged to pass on the awareness on the deadly disease to others. who could not attend the Teachers seminars have the opportunity of visiting to the clinic for a free test and treatment. 335 women participated in the screening, 7 of these women tested positive to human papillomavirus (HPV). These women are currently undergoing free treatment at the Clinic Life Foundation George Kerry at Ikeja. Details of initiative Ladipo Primary School Less privileged with particular focus on women Name of organisation(s)/ community benefiting from contribution Group Compliance and Internal Control Group Treasury Business unit/ Group responsible School Adoption Programme Cervical Cancer Health Campaign Programme/ Initiative S/N 1 2 Here are a few examples of Access Bank’s Employee Volunteer Initiatives: Bank’s Employee Volunteer few examples of Access Here are a Communities continued
Name of organisation(s)/ Business unit/ community Types and Programme/ Group benefiting from Implementation Number of S/N Initiative responsible contribution Details of initiative partners (if any) Beneficiaries 3 Mind The Branch Services National Youth This project is been implemented in e-Green Over 5,000 Gap Mentoring Group Service Corps partnership with a Non-Governmental NYSC Corps Project Organisation, E-Green Services. In members were July, 2011 Branch Services provided in attendance the sum of N1 million to further the course of the initiative. Members of staff also participated and presented at the quarterly Career Mentoring Session titled LEAPFROGGING NIGERIA GRADUATES TO GLOBAL RELEVANCE & GAINFUL EMPLOYMENT THROUGH ICT & SOCIAL ENTREPRENEURSHIP. This held at the NYSC camp, Lagos and over 5,000 NYSC Corps members were in attendance. Thereafter, monthly goals were assigned to participants. This is designed to move protégés from the awareness to Mastery level. 4 Support for Global Trade Orphan and The initiative provides support for Hope Over 130 Orphan and vulnerable orphan and vulnerable children Worldwide orphans and Vulnerable children (OVC) and youth at risk given that children were affected by their caregiver are dead or infected reached Children (OVC) HIV/AIDS with HIV/AIDS. The programme comprises of mentoring and educational/health support for children and youth between the ages of 10-21. 5 The Future of Central Herbert The CPC Group refurbished the Change-A-Life Over 810 Our Youth; Our Processing Macaulay Herbert Macaulay Senior Girls Foundation students are Passion Centre Group Senior Girls Grammar School library. This beneficiaries Grammar included the renovation of the School library space with the provision of good quality furniture, books and computers. 6 Preparing Economic Youths and The broad objectives of the initiative None Over 195 Leaders & Intelligence/ teacher includes mentoring and skill beneficiaries Grooming Group Market empowerment acquisition, renovation of school in all Risk infrastructures and empowering Talents teaching staff. The Group’s intervention for 2011 include the repair of the school water system, upgrade of the restrooms and refurbishment of Home Economics and Biology laboratories.
Access Bank Plc Corporate Social Responsibility Report 2011 52 Communities 53 k Plc Access Bank 420 students of Girls Senior Secondary Grammar School 20 HIV-Positive antenatal mothers were sponsored 240 students were reached 500 students were reached Over 450 children and youths were reached Types and Types Number of Beneficiaries None Chanrai Tulsi Foundation None Centre for Societal Transformation MIND Foundation Implementation partners (if any) Corporate Social Responsibility Report 2011
ICT based learning/Digital learning to be globally competitive; skills training to enhance Vocational income generating options with a view to reducing poverty; and Leadership development with inclination to civil and moral education, service to humanity by way of volunteering and giving back as well as building strong character. The Group sponsored 20 HIV-Positive The Group sponsored 20 HIV-Positive Antenatal Mothers deliver HIV- Negative babies with proper intervention. This was done through the provision of Prevention of Mother to Child and Treatment At-Birth Treatment; Infant and New Mother medication to significantly reduce the chances of HIV transmission from mother to child. The project entails the renovation of the community primary school building which involved repair of damaged roof covering, re-flooring of classrooms, plastering and painting of the building. For 2011, the Group equipped For the Science Laboratory as well as provided an ICT laboratory to enable student have access to the internet and aid learning. This a mentorship programme that This a mentorship programme community combines 3 aspects of teaching intervention: mentoring, and infrastructual intervention. will dedicate Members of the Team 35 minutes of their time every Thursday for a 5 month period to assist students in primary school would learn how to read. There also be periodic quiz competitions the impact to access and measure of the initiative. The aim of this initiative is to bridge the Literacy and Digital divide by using ICT to foster life-long learning and hands-on education for children and youth. This project is dedicated to providing free learning opportunities to children and youth in resource- challenged schools within rural communities. The objective is to equip disadvantaged children (10-17 years old) with the knowledge and skills they require for their personal and academic success. The focus of this initiative is three-fold: • • • Details of initiative Less privileged with particular focus on women living with HIV and their children Ibeju Lekki Community Primary School Girls Senior Secondary Grammar School Olomu Primary School Community Secondary School, Abuloma Name of organisation(s)/ community benefiting from contribution GEM & Wealth GEM & Wealth Management Credit Risk Management CCBG Lagos Island/Victoria Island and Ikoyi Super Region TQM Commercial Banking Group, Harcourt Port Business unit/ Group responsible Your Positive Your Impact Can Keep Newborn Babies HIV-Negative Improving the Quality of Life Girl Child Education A-Word-A-Day Economically Disadvantaged Schools in Rivers State Programme/ Initiative 10 11 9 S/N 7 8 Communities continued
Name of organisation(s)/ Business unit/ community Types and Programme/ Group benefiting from Implementation Number of S/N Initiative responsible contribution Details of initiative partners (if any) Beneficiaries 12 “Fulfilment” IT Group Indigent The initiative intends to reduce Thisday About 620 Capacity Building Entrepreneurs poverty among indigent Newspaper entrepreneurs for Indigent entrepreneurs in the society and help Limited benefited from build capacity of this class of people the initiative Entrepreneur to lead growing and sustainable small scale businesses. The project is implemented in 3 phases which comprises funding, training and monitoring. The indigent entrepreneurs will be provided with seed capital to build the foundation and grow their business and provide employment for others. Thereafter adequate capacity building workshops and follow-up will be conducted. 13 Adopt-A-School FINCON Methodist Boys This project entails: None Over 900 High School • Equipping of physics laboratory; students and • Equipping of computer laboratory; staff of the Methodist Boys • Equipping of library with books and High School establishment of an e-library in the school; and • Mentorship/counselling on career development. 14 Physically Internal Audit Wesley School The initiative was selected as a result None 25 affected Challenged of the Hearing of the Group’s strategic aim of individuals Impaired supporting people who are physically challenged, in a bid to encourage them academically. The Group undertook the following projects in the school: • Career talk on the topic ”Quest for Excellence” during the prize giving day/graduation ceremony of the school; • Refurbishment of the School’s Medical Centre and the provision of medical equipment; and • Provision of prizes for the best graduating students of the school. 15 Empowering the Institutional Girls Senior This initiative is designed to primarily None About 500 Girl Child Banking Group Secondary support the increase of educational students will Grammar opportunities to the Girl Child. be positively School, Ikoyi affected when The beneficiary school is an the project is all-female school that had completed dilapidated classroom structures and absence of toilets. This initiative is implemented in 2 parts: provision of school furniture and revamping of school building.
Access Bank Plc Corporate Social Responsibility Report 2011 54 Other Information 55 Pages 4 5 12 1 6-8 14-15 62 62 6 6 6 2-3 11 1 1 1 77 1, 60-61 1 1, 60-61 1 60-61 2 55-58 60-61 14-15 14-15 14-15 k Plc Access Bank Corporate Social Responsibility Report 2011 Report reference Risks and opportunities About this Report Our Business at a Glance Our Approach to Sustainability Corporate Directory Corporate Directory Comprehensive Services Comprehensive Services Comprehensive Services Executive summary Awards and recognition About this Report About this Report About this Report Contact information About this Report, Assurance Statement and commentary About this Report About this Report, Assurance Statement and commentary About this Report Assurance Statement and commentary Executive Summary Assurance Statement and Commentary Governance Governance Governance Group Chairman’s Statement Managing Statement from the Group Officer Director/Chief Executive GRI content index Description Strategy and Analysis 1.1 – 1.2; Organisational Profile 2.1 – 2.10; 3.1 – 3.13; Report Parameters Governance, Commitments, and Engagement 4.1 – 4.17; Disclosure of Management Approach, per category; Indicators; Core Performance Any GRI Additional Indicators that were included; and Any GRI Sector Supplement Indicators included in the report. Description of key impacts, Description of key impacts, risks and opportunities Name of reporting organisation and services Major brands, products Operational structure headquarters Location of organisation’s Countries of operation Nature of ownership Markets served Scale of organisation Significant changes Awards received Reporting period Date of most recent previous report Reporting cycle Contact person Defining report content Boundaries of the report Limitations on report scope Basis for reporting on joint ventures Re-statements of information Significant changes identifying the location of the following: Table • • • • • • • • Assurance Governance structure Whether Chair is also an Executive Officer Numbers of members that are independent and/or Non-Executive Board members Group Chairman’s Statement Statement Group Managing Director’s GRI indicator GRI 1.2 Organisational profile 2.1 2.2 2.3 2.4 2.5 2.6 2.7 2.8 2.9 2.10 Report parameters 3.1 3.2 3.3 3.4 3.5 Report scope and boundary 3.6 3.7 3.8 3.10 3.11 GRI content index 3.12 Assurance 3.13 Governance, commitments and engagement governance 4.1 4.2 4.3 Strategy and analysis Strategy and 1.1 GRI Data Table Data GRI GRI Data Table continued
GRI indicator Description Report reference Pages 4.4 Mechanisms for Shareholders and employees Governance 14-15 to feedback to highest governance body 4.6 Processes in place for the highest governance Governance 14-15 body to ensure conflicts of interest are avoided 4.8 Internally developed statements of mission Executive Summary; Group Chairman’s 2-5, 10 and their status Statement; Statement from the Group Managing Director, our approach to sustainability 4.9 Procedures of the highest governance body Sustainability Governance 15 for overseeing the organisation’s identification and management of economic, environmental and social performance 4.10 Processes for evaluating the highest Governance 15 governance body’s own performance, particularly with respect to economic, environmental, and social performance Commitments to external initiatives 4.12 Externally developed economic, External Initiatives 20-21 environmental and social charters, principles, or other initiatives to which the organisation subscribes or endorses 4.13 Memberships in associations (such as industry External Initiatives 20-21 associations) and/or national/international advocacy organisations in which the organisation has positions in governance bodies and participates in projects or committees Stakeholder engagement 4.14 List of Stakeholder groups engaged Stakeholder engagement 18-19 by organisation 4.15 Basis for identification and selection Stakeholder engagement 18-19 of Stakeholders with whom to engage 4.16 Approaches to Stakeholder engagement, Stakeholder engagement 18-19 including frequency of engagement by type and by Stakeholder group 4.17 Key topics and concerns that have been Stakeholder engagement 18-19 raised through Stakeholder engagement, and how the organisation has responded to those key topics and concerns, including through its reporting FS4 Process(es) for improving staff competency Our approach to sustainability 10-21 to implement the environmental and social policies and procedures as applied to business lines Economic performance indicators Goals and performance Aspect: Economic performance EC1 Direct economic value generated and Value added statement; distribution 9, 50 distributed, including revenues, operating of economic benefit and key facts costs, employee compensation, donations and other community investments, retained earnings and payments to capital providers and governments EC2 Financial implications and other risks and Environmental sustainability 36-41 opportunities for the organisation’s activities due to climate change EC3 Coverage of the organisation’s defined Distribution of economic benefit 30-35 benefit plan obligations and retirement benefits EC4 Financial assistance from the Government Not applicable
Access Bank Plc Corporate Social Responsibility Report 2011 56 Other Information 57 Pages 35 42-43 42-43 38-41 38-41 38-41 38-41 38-41 38-41 29 38-41 9 30-35 35 30-35 44 44 30 30 30 k Plc Access Bank Corporate Social Responsibility Report 2011 Report reference Supply chain; distribution of Supply chain; distribution economic benefit recruitment criteria Procedure for local hiring; Environment Environment Environment Environment Environment Environment Not applicable Fighting corruption Environment Financial Highlights Employees Employee remuneration and benefits Employees Access Bank workplace policy Access Bank workplace policy Staff training Recruitment criteria Career development Benefits to full time employees Description Policy, practice and proportion of spending practice Policy, on locally based suppliers Procedures for local hiring or volume Materials used by weight Direct energy consumption by primary energy source Indirect energy consumption by primary source Energy saved due to conservation and efficiency improvements Initiatives to reduce indirect energy consumption and reductions achieved Environmental impact initiatives of products and Percentage packaging reclaimed Monetary value of significant fines and total number of non-monetary sanctions for non-compliance with environmental laws and regulations Significant environmental impacts of transporting products and other goods and materials used for the organisation’s operations, and transporting members of the workforce workforce Total Employment turnover Benefits provided to full-time employees of employees covered by Percentage collective bargaining agreements Serious disease programmes and safety topics covered unions health Trade Number of hours expended on employee training Skills management programmes and career development reviews Performance Range of ratios of standard entry level Range of ratios of standard minimum wage wage compared to local
GRI indicator GRI and decent work Goals and performance Aspect: Employment LA1 EC6 EC7 Environmental performance indicators Goals and performance Aspect: Materials EN1 Aspect: Energy EN3 EN4 EN5 EN7 Aspect: Products and services EN26 EN27 Aspect: Compliance EN28 Aspect: Transport EN29 Social performance indicators: Labour practices LA2 LA3 Aspect: Labour/ management relations LA4 Aspect: Occupational health and safety LA8 LA9 Aspect training and education LA10 LA11 LA12 Aspect: Market presence Aspect: Market EC5 GRI Data Table continued
GRI indicator Description Report reference Pages Aspect: Diversity and equal opportunity LA13 Breakdown of employees per category Diversity 30-32 according to gender, age group and other indicators of diversity Aspect: Human rights Investment and procurement practices HR2 Percentage of significant suppliers and Supply chain 42-43 contractors that have undergone screening on human rights and actions taken Security practices Social performance indicators Aspect: Community Goals and performance SO1 Scope, effectiveness and impact of Community investment; the environment; 44-54 programmes and practices on the community environmental sustainability; governance and ethics Aspect: Corruption SO2 Percentage and total number of business Fighting corruption 29 units analysed for corruption risk SO3 Percentage of employees trained in Fighting corruption 29 anti-corruption policies and procedures SO4 Actions taken in response to incidents Fighting corruption 29 of corruption Aspect: Public policy SO5 Participation in public policy Regulation, Legislation and Public Policy 15 Development and lobbying Regulation, Legislation and Public Policy 15 SO6 Political lobbying and contributions Regulation, Legislation and Public Policy 15 Aspect: Compliance SO8 Monetary value of significant fines and No fines received total number of non-monetary sanctions Product Responsibility Performance PR3 Type of product and service information Our Business at a glance 6-8 required by procedures, and percentage of significant products and services subject to such information requirements GRI financial services sector supplement D1 Description of policies with specific Environment 38-41 environmental and social components applied to business lines D2 Description of procedures for assessing Environment 38-41 and screening environmental and social risks in business lines D3 Description of processes for monitoring Environment 38-41 clients’ implementation and compliance with environmental and social requirements included in agreements or transactions
Access Bank Plc Corporate Social Responsibility Report 2011 58 Other Information
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k Plc Access Bank Corporate Social Responsibility Report 2011 The report reflects both achievements and areas forreflects both achievements The report its highlights, Access Bank initiated theimprovement. Among Sustainability and the Strategic Week Nigeria Sustainable Finance in This, and other initiatives and engagement Group. Working the Bank’s important role in drivingexternal activities, shows Access in the Nigerian banking sector. sustainability forward in order to achieve long-term andBank recognises that industry wide approach is crucial. sustainable change, an upon challenges, in particular theThe report also touches a range of issues and where survey, findings from the employee provide believe that it is crucial to We concerns are described. achievements and challenges, risks anda balanced picture of way. opportunities, in a transparent of a new vision,A major change from last year is the adoption believe that a discussion mission and values for Access Bank. We and itsof the background and reason for this change, CSRimplications on the implementation for the strategy would strengthen the report. involvement. ThisAccess Bank continues prioritising community data, broken down inyear’s inclusion of community investment of the extentspecific activities, gives the reader an understanding of the Bank’s community support. progress on CSR,It is evident that Access Bank wants to make on drivingfollowing global best practice. The Bank keeps and adheringperformance by building strategic partnership to a number of external initiatives and best practice standards,to a number of external initiatives and best including UNPRI, LBG and the Equator Principles. of AA1000Our comments in relation to the three principles are as follows: Inclusivity: Does the organisation accept aInclusivity: Does the organisation accept an impact?responsibility to those on whom it has a strategicDoes it involve Stakeholders in developing andapproach to corporate responsibility sustainability? the report displays Access Bank’s adherence to In our view, the AA1000 principle of inclusiveness. Access Bank prioritises its responsibilities to its key Stakeholders. As in previous years, the bank has clearly structured the report around its Stakeholders, reporting on the impact it has on these groups. The report clearly lists key stakeholders and provides examples on ways and mechanisms of engagement and main issues covered. As recommended in last year’s statement Access Bank should formalise the role of Stakeholder engagement in strategy development going forward, and we repeat the recommendation again. One way of doing this could be to engage a panel of relevant Stakeholders that could provide on-going and strategic input and advice on the CSR moving forward. strategy
Commentary This is Access Bank’s fourth full CSR Report. The Company has made important progress in its approach to CSR over the last four years. It is evident that CSR a top priority for the Bank, and is there is a strong commitment from senior management to drive the sustainability agenda forward, in line with international best practice. Access Bank has put in place a governance structure for managing CSR, embed the CSR and the work to further strategy across the organisation is on-going. Opinion and conclusions In our opinion the Access Bank CSR Report reflects the principles materiality and responsiveness. of AA1000 (2008): inclusivity, In our commentary we review the report against each of these also provide feedback that can help We principles separately. Access Bank and its stakeholders identify where reporting can of inclusivity, materiality and responsiveness and assures the of inclusivity, here. Our assurancebehaviour of the organisation as reported and thenused disclosed information as its starting point and sustainabilityinvestigated the underlying systems, processes Ourperformance information to arrive at its conclusions. Principles forassurance has been informed by the GRI G3 Defining Report Content and Quality. as defined byThe level of assurance offered is moderate our work obtained sufficient AA1000AS (2008). That is to say, risk of our conclusionevidence to support the statement that the being in error is reduced. for the contentsAccess Bank is entirely and solely responsible assurance. of the report, Corporate Citizenship for its appears at theA detailed note of our assurance methodology end of this statement. be strengthened in future. external assessment of the report and, in particular, with how it the report and, in particular, external assessment of AA1000 standard. It is intended for thecorresponds with the more specialist audiences who have ageneral reader and for Access Bank’s responsibility andprofessional interest in sustainability performance. of the AA1000Access Bank has chosen to use the iteration 1 assurance is a Type assurance standard AA1000AS (2008). Our it evaluates theassurance as defined by the standard, in that principlesnature and extent of adherence to the AA1000AS The scope of our assurance The scope of our the reader with an independent,The assurance provides Access Bank has commissioned Corporate Citizenship to provideAccess Bank has commissioned a commentary solely on its Corporateexternal assurance and 2011. Social Responsibility Report Assurance statement Assurance and Commentary and Assurance StatementAssurance Assurance Statement and Commentary continued
While Nigeria remains the key market for Access Bank, it operates Access Bank is playing a significant role in driving sustainable across ten countries. Last year’s statement recommended the banking in Nigeria forward through active involvement in various Bank to include further details on its activities and operations platforms and a range of external initiatives. For example, the in other markets, as it would give the reader a better sense of Bank initiated the Nigeria Sustainable Finance week, which led the banks activities, customers and the competitive landscape. to the signing of a Joint Commitment Statement on Nigeria Although the information on other markets has expanded this Sustainable Banking Principles. year, the majority of examples, facts and data included in the report continue to refer to Nigeria alone. Looking forward Materiality: What are the issues that really matter Access Bank has made considerable progress towards becoming to the organisation’s sustainability performance a sustainable bank over the last few years. As the Bank moves (“material issues”)? How does the organisation to a forward-looking and long-term approach to sustainability, identify these issues? there is a need to set clearly defined targets, goals and KPIs. We believe that such approach would help the bank further drive In our view, the report displays Access Bank’s adherence performance and improvements. This is of particular importance to the AA1000 principle of materiality. as the recent merger with Intercontinental Bank will make Access The report covers Access Bank’s core material issues in a clear Bank one of the top four leading financial institutions in Nigeria. way. The Bank defines materiality according to the GRI (G3) guidelines definition, and with reference to both internal and external factors. However, future reporting would benefit from Corporate Citizenship including further detail on the process and methods applied for London determining material issues. For example, a specific ‘Determining 30 March, 2012 Materiality’ sub section or even a matrix could be included, to facilitate the reader’s understanding of the process. Access Bank reports on its main environmental impact areas, notably energy use, fuel consumption, water, waste and transport. Last year’s statement recommended the Bank to expand reporting in this area, including further detail on environmental strategy, goals, and performance data. This year’s report has added a section on climate change, which is a good start towards improved reporting in this area. Responsiveness: Does the organisation respond to stakeholder issues that affect performance through its actions and communications? In our view, the report displays Access Bank’s adherence to the AA1000 principle of responsiveness. The report contains evidence that Access Bank uses feedback from stakeholder engagement to form its approach going forward. However, Access Bank could further highlight how new policies and practices are developed in response to stakeholder feedback. For example, what role did Stakeholders play in the development of the new mission, vision and values?
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Our work did not extend to a complete audit of the report’s not extend to a complete Our work did have not been responsible for the preparation contents. We of Access Bank’s CSR Report nor in devising the internal systems that yielded the datamanagement and reporting contained therein. in this external assurance statement andThe opinions expressed to extend understanding of Accesscommentary are intended performance and should not be usedBank’s non-financial United Kingdom +44 (0)20 7861 1616 Tel: www.corporate-citizenship.com or relied upon to form any judgements, or take any decisions,or relied upon to form of a financial nature. is a leading assuror of corporateCorporate Citizenship The company is a member ofresponsibility reports. AccountAbility). AccountAbility (Institute for Social and Ethical for Access Bank since 2009. have provided report assurance We Bank is a memberIn addition to our work on assurance, Access framework for an evaluation of the LBG (www.lbg-online.net), manage on behalfcorporate community involvement which we have done no other work for of its members and adherents. We Access Bank during 2011. Corporate Citizenship is part of Chime Communications. Holborn Gate 330 High Holborn London WC1V 7QG
Understanding Access Bank and its value chain, its own cultureUnderstanding Access Bank and its value chain, contexts in whichand the broader social and environmental it operates; its approach to and understanding of corporateit operates; its approach to and understanding to its operations. responsibility; how it identifies issues material best practice andBenchmarking against peers, competitors, the basis oninternationally recognised standards to identify which to judge Access Bank’s performance. activity, Analysis of Access Bank’s stakeholder engagement including findings from the employee survey. sources ofReview of national and international published of externalinformation about the views and opinions stakeholders. development andExamination of the report at set stages in its from evidencetesting of the assertions throughout, drawing mechanisms,and supporting documentation, reporting frameworks and processes. systems, notablyExamination of management and reporting for community investment. Site visit to Access Bank’s head office in Lagos. the GroupInterviews with eleven senior managers including an Executive Director Head of Corporate Social Responsibility, and the Customer Ombudsman. Attendance of a meeting/workshop on the Nigerian Sustainable Banking Principles in Lagos. The assurance work was commissioned in February 2012 and 2012 commissioned in February The assurance work was March, 2012. Detailed records were keptwas completed on 30 visits and correspondence relating to theof meetings, assurance of the report, as well as materiality and responsiveness inclusivity, to the accuracy and presentation ofto technical matters relating undertook the led by an associate director, data. A team of four, process. A director acted as adviserassurance and commentary has a variety of professional andto the group. The team further information and experience. For technical competencies www.corporate-citizenship.com. please refer to our website and commentary process for AccessOur external assurance Bank’s CSR report has involved, but not been limited to, the following elements: • Methodological notes Methodological • • • • • • • • Corporate Directory
HEAD OFFICE Access Bank BRANCH DISTRIBUTION (Sierra Leone) Limited Access Bank Plc Head Office Abia The Plaza 30, Siaka Stevens Street Aba Branch Plot 999c, Danmole Street Freetown 69, Azikwiwe Road Off Adeola Odeku/Idejo Street Sierra Leone Aba PMB 80150, Victoria Island T: (+232) 25 334933 Abia State Lagos, Nigeria F: (+232) 22 220119 Umuahia Branch T: (+234) 1-2771191, 2773300-99 E: [email protected] Plot 6 F: (+234) 1-2771185 W: www.accessbankplc.com/sl Trading/Residential Area www.accessbankplc.com Access Bank (Zambia) Limited Umuahia Plot 682, Cairo Road Northend Abia State SUBSIDIARIES HEAD OFFICE ADDRESSES P.O. Box 35273 Azikwe Road Branch Lusaka 9, Factory Road Access Bank (D.R. Congo) Sarl Zambia Aba T: (+260) 211 227941 158, Avenue de la Démocratie Abia State F: (+260) 211 22996, 227956 Kinshasa, Gombe E: [email protected] Umuahia Branch Democratic Republic of Congo W: www.accessbankplc.com/zm 2, Library Way T: (+243) 81 22 22 111–14 Umuahia F: (+243) 81 22 22 116 The Access Bank UK Limited Abia State E: [email protected] Head Office W: www.accessbankplc.com/cd 1, Cornhill Faulks Road Branch 132, Faulks Road Access Bank (Gambia) Limited London EC3V 3ND Aba Head Office United Kingdom Abia State 47, Kairaba Avenue E: [email protected] Duke House Branch Fajara, K.S.M.D. W: www.theaccessbankukltd.co.uk Duke House P.O. Box 3177 45, Azikwe Road Serrekunda FinBank SA Abia State The Gambia 16, Boulevard de La Liberté T: (+220) 4398227, 4399022 Place de I’Indépendence Umudike Branch F: (+220) 4396640 B.P. 2998 Bujumbura-Burundi University of Agriculture E: [email protected] Burundi Umudike Main Campus W: www.accessbankplc.com/gm T: (+257) 22 24 32 06 Abia State Access Bank (Ghana) Limited F: (+257) 22 24 32 07 Abuja E: [email protected] Starlets ‘91 Road Aminu Kano Branch W: www.finbankburundi.com Opposite Accra Sports Stadium Plot 1195 P.O. Box GP 353 Aminu Kano Crescent Osu, Accra Wuse Ii (Opp. Amal Court) Ghana Abuja T: (+233) 302 684 860 Adetokunbo Ademola Branch E: [email protected] Plot 833 W: www.accessbankplc.com/gh Adetokunbo Ademola Crescent Access Bank (Rwanda) Limited Wuse 2 3rd Floor, UTC Building Abuja Avenue de la Paix Herbert Macaulay Branch P.O. Box 2059 Plot 247 Kigali, Rwanda Herbert Macaulay Way T: (+250) 252 500089/90-94 Abuja F: (+250) 252 575761, 572501 E: [email protected] or Asokoro Branch [email protected] Plot 87 W: www.accessbankplc.com/rw Yakubu Gowon Crescent Asokoro Abuja Garki Branch Ahmadu Bello Way Garki Ii Abuja
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Corporate Social Responsibility Report 2011 Anambra State Bridge Head Branch Harcourt Road 48, Port Bridge Head Onitsha Anambra State Ekwulobia Main Branch Uga Road Ekwulobia Aguata Lga Anambra State New Market Road Branch 14, New Market Road Onitsha Anambra State Umunze Branch Umunze Ogbunka Road Orumba North Local Government Anambra State Awka 2 Branch Km 41 Enugu-Onithsa Expressway Regina Caeli Junction Awka Anambra State Ihiala Branch Ihiala Anambra State New Market Road Branch 30, Nnewi Road Anambra State Edo Ezemewi Rd Branch 15, Edo Ezemewi Road Adamawa Branch 30 Yola Abubakar Atiku Way Adamawa State Akwa Ibom Oron Branch Along Oron Road Etiema Street Akwa Ibom State Ikot Ekpene Branch 1, Abak Road Akwa Ibom State Bassey Branch Wellington Bassey Way 21, Wellington Akwa Ibom State Aka Road Branch 32, Aka Road Akwa Ibom State Eket Branch Along Grace Bill Road Akwa Ibom State Anambra
Garki Capital Territory Federal Min. of Finance Opp. Fed. Capital Territory Federal Plot 1037 Shafa Shopping Centre Federal Secretariat Branch Federal Complex Secretariat Federal Territory Capital Federal Abuja Utako Branch Plot 903 Obafemi Awolowo Way Territory Capital Federal Abuja Branch Ladoke Akintola Blvd. Along Akintola Boulevard Abuja Min. of Justice Branch Fed. Ministry of Justice Complex Federal Capital Territory Federal Abuja Mortgage Bank Branch Federal Mortgage Bank Building Federal Central Business Area Abuja Jos Street Branch 6, Jos Street Opposite Sharon Ultimate Hotel Capital Territory Federal Abuja Garki Area 11 Branch Plot 599 Cadastral Zone A3 Gwarjo Close Abuja Enugu House Branch Plot 81 Ralph Shodeinde Street Capital Territory Central Federal Abuja Karu Branch Abuja Nasda Branch Obasanjo Space Village Airport Road Abuja Durumi Branch Secretariat By Old Federal Abuja Capital Territory, Federal Federal Capital Territory Federal Off Gimbiya Street Capital Territory Federal Plot Number 312 Nyanya Sports Centre Layout Capital Territory Federal
Block B Hm Way NNPC Towers Zone B2.582 Dei Dei Building Material Intl Market Capital Territory Federal Gana Street Abuja Dei Dei Branch Abuja Douala Street Branch Plot 2357 Douala Street Capital Territory Federal Abuja Branch Abuja NNPC Towers Capital Territory CBD Federal Abuja Maitama Branch Plot 619 Cadastral Zone A05 Capital Territory Federal Abuja Gwagwalada Branch 356, Special Hospital Road Abuja Federal Capital Territory Federal Federal Capital Territory Federal Abuja House Branch Tofa Capital Territory Federal Gwagwalada Cadastral Zone Capital Territory Federal Central Business District Abuja Cadastral Branch Plot 207 Abuja Wuse Branch Cadastrals Zone A7 Capital Territory Federal Abuja National Assembly Branch National Assembly Complex House Tofa Plot 770 Abuja Branch Bank Of Industry (BoI) Plot 256 Herbert Macaulay Way Plot 2401 Plot 59 Gado Nasko Road Kubwa Office Behind Unity Bank Head Kubwa Branch Kubwa Corporate Directory continued
Up Iweka Branch Borno Mission Road Branch Up Iweka Maiduguri Branch 135, Akpapava Road Onitsha Sir Kashim Ibrahim Way Benin Anambra State Maiduguri Edo State Ogidi Branch Borno State Textile Mill Road Branch Building Material Market Bama Branch 74, Edo Textile Mill Road Anambra State Along Bama-Mubi Road Benin Unizik Branch Bama Edo State Bank Plaza Borno State Uniben Branch Nnamdi Azikiwe University Cross River Ransome Kuti Road Awka Calabar Road Branch University Of Benin Anambra State 10, Calabar Road Edo State Stock Exchange Branch Pmb 1270 Okada Branch Nigeria Stock Exchange Complex Cross River State New Site Onitsha Ogoja Branch Igbinedion University Campus Anambra State Hospital Road Okada Bauchi Ogoja Edo State Bauchi Branch Cross River State Auchi Branch 5, Bank Road Delta Beside Federal Polytechnic Auchi Bauchi State Nnebisi Road Branch Iyekhei/Polytechnic Road Bayelsa 417B, Nnebisi Road Edo State Yenagoa Major Axis Branch Asaba Ekpoma Branch Km 6 Delta State 6, Akhere Lane Mbiama/Yenagoa Road Agbor Branch Edo State Bayelsa State 126, Old Asaba Road Sapele Road Branch Mbiama Yenagoa Road Branch Delta State 164, Sapele Road Mbiama/Yenogoa Road Deco Road Branch Opposite NPDC Onopa Robson Shopping Complex Sapele Yenogoa Deco Road Edo State Bayelsa State Delta State Uselu Branch Benue Effururn Branch 170, Uselu Lagos Road Makurdi Branch 80, Effurun-Sapele Road Edo State 83, Old Otukpo Road Effurun Ekiti Benue State Delta State Ijero Ekiti Branch Gboko Branch Sapele Branch Ijero Ekiti Benue Cement Factory Warri Road Ijero Computer Centre Km 72 Sapele Market Square Makurdi-Gboko Road Delta State Ekiti State Benue State Ebonyi Ado Ekiti Branch Oturkpo Branch Abakaliki Branch 144, Secretariar/Iyin Road 19, Federal Road 44, Ogoja Road Ekiti State Oturkpo Abakaliki Anambra Benue State Ebonyi State Awka Branch Gboko Main Branch Abakaliki Branch 222, Zik Avenue 5/7, J.S. Tarka Way 41, Ogoja Road Awka Gboko Abakaliki Enugu State Benue State Ebonyi State Enugu Makurdi 2 Branch Edo Okpara Avenue Branch Adjacent To Living Faith Church 5, Okpara Avenue Benue State Benin Branch 45, Akpakpava Street Enugu Zaki Ibiam Branch Benin Enugu State Y- Junction Edo State Enugu Road Branch Katsina Ala Road 12, Enugu Road Zakibiam Enugu Benue State Enugu State
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Ungwan Rimi Branch Ungwan Rimi Along Kwato Road Ungwan Rimi Gra Kaduna Kaduna State Katsina Katsina Branch 106, Ibb Way Katsina Katsina State Kano Kano Branch Office Road 12B, Post Kano State Way Murtala Mohammed Kano Branch 146, Murtala Mohammed Way Kano Kano State Bello Road, Kano Branch 24, Bello Road Kano Kano State 3B Bank Road Branch 3B Bank Road Kano Kano State Katin Kwari Branch Road Ibrahim Taiwo By Aib Kano Kano State Bayero University Branch Main Campus Bayero University Kano Kano State Branch Hospital Aminu Kano Teaching Hospital Aminu Kano Teaching Kano Kano State Bichi Branch Along Katsina Road By Bichi Junction Kano Kano State Kazaure Branch Along Kano-Duara Road Kano Kano State Road Branch France Road 17/18, France Kano Kano State
Branch
Kaduna Branch Jigawa Dutse Branch Kaduna 16/20, Bida Road Kaduna State Ali Akilu Road Branch 26D, Ali Akilu Road Nekede 4A, Bank Road Plot 10/11 Kaduna Imo Road Branch Wetheral Road 117, Wetheral Dan Anyiam Stadium Close To Owerri Imo State Nekede Branch Polytechnic Federal Imo State Orlu Branch Orlu Imo State Bank Road Branch Bank Road Owerri Imo State Mbaise Branch Sani Abacha Way Dutse Jigawa State Kaduna State Kachia Road Kaduna Branch Gumi Main Market Kaduna Kaduna State Kafanchan Branch Kafanchan Kaduna State Eke-Ahiara Junction Mbaise Imo State 314, Kachia Road Kaduna Kaduna State Gumi Main Market Kaduna State Branch Ahmadu Bello Way A2, Ahmadu Bello Way Kaduna Kaduna State NNPC Refinery Kaduna Branch NNPC Kaduna
Ashaka Branch Ashaka Cement Factory Gombe Gombe State Gombe Branch Akko Lga Gombe State 24, New Market Road Deba Lga Yamaltu Kumo Enugu Campus Gombe State Dukku Branch Dukku Local Government Secretariat Gombe State Deba Branch Yamaltu Deba Gra Gombe State Branch Kumo Road Emir Palace Enugu State Enugu Enugu State UNN Enugu Campus Branch University Of Nigeria Enugu State Abakaliki Road Branch By Nnamdi Azikiwe Stadium Enugu Enugu State Agbani Road Branch Agbani Road Enugu Enugu State UNN Nsukka Branch University Of Nigeria Nsukka Abakaliki Road Enugu Enugu State Abakpa Nike Branch Abakpa Nike Enugu Enugu State Ogui Road Branch 67, Ogui Road Enugu State University 16, Kenyatta Street 16, Kenyatta Uwani Enugu State Esut Branch Kenyatta Branch Kenyatta Corporate Directory continued
Katsina Branch Idumota Branch Ogunlana Drive Branch Ibb Way 6, Obun Eko Street 150, Ogunlana Drive Opp. NUM International Bank Idumota Surulere Katsina Lagos State Lagos State Katsina State Broad Street Branch Ligali Ayorinde Branch Funtua Branch 134/136, Broad Street Plot 15 Zaria Road Lagos Ligali Ayorinde Street Katsina Lagos State Victoria Island Katsina State Ikorodu Branch Lagos State Malumfashi Branch 7, Ayangburen Road Point Road Branch Along Funtua Road Ikorodu Ib, Point Road Near Total Filling Station Lagos State Apapa Katsina State Allen Branch Lagos State Daura Branch 84, Allen Avenue Ogba Branch Along Kano Road Ikeja 40A/40B, Ogba Ijaiye Road Besides Nitel Office Lagos State Ogba Katsina State Victoria Island Branch Lagos State Kebbi Plot 1665 Idi-Araba Branch Birnin Kebbi Branch Oyin Jolayemi Street College Of Medicine 1, Jos Road Victoria Island Ishaga Road G.R.A. Onikan Branch Idi-Araba Birnin Kebbi 30, King George V Road Lagos State Kogi Onikan Agbara Branch Obajana Branch Lagos State Bank Road Opposite Dangote Cement Factory Commercial Road Branch Agbara Industrial Estate Kogi State 8/10, Commercial Road Agbara Lagos State Okene Branch Opposite Eleganza Plaza Along Kogi Road Apapa Adeyemo Alakija Branch Kogi State Lagos State Commerce House 1, Idowu Taylor Street Lokoja Branch Old Ojo Branch 153, Old Ojo Road Victoria Island 82, Lokoja Kabba Road Lagos State Lokoja Kuje-Amuwo Kogi State Agboju Lekki Chevron Branch Lagos State Beside Chevron Roundabout Kwara Palm Avenue Branch Along Lekki-Epe Expressway Ilorin Branch Lagos State Stadium Shopping Complex 4, Palm Avenue Taiwo Road Mushin Marina BoI Branch Ilorin Lagos State Bank of Industry Building Kwara State Simbiat Abiola Branch 23B, Broad Street 20, Simbiat Abiola Road Marina Folawiyo Street Branch Lagos State 24, Wahab Folawiyo Ikeja Unity Road Lagos State Awolowo Road Branch Ilorin Adetokunbo Ademola Branch 58, Awolowo Road Kwara State 30A, Adetokunbo Ademola Ikoyi Lagos State Reservation Road Branch Victoria Island 29A, Reservation Road Lagos State Alausa Branch Gra Ilorin Aspamda Branch 183, Obafemi Awolowo Road Kwara State Zone B Alausa R4, Mercy Café Ikeja Lagos Lagos State Burma Road Apapa Branch Aspamda Plaza 4, Burma Road Trade Fair Complex Creek Road Branch Apapa Lagos State 39, Creek Road Lagos State Maryland Branch Apapa 6, Mobolaji Bank Anthony Way Lagos State Ikeja Lagos State
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Wharf Road Branch Wharf Road 13-15, Wharf Road Lagos State Agege Branch 653, Abeokuta Express Road Abule Taylor Abule-Egba Lagos State Branch Obafemi Awolowo Way 77, Obafemi Awolowo Way Lagos State Branch Kosoko Apapa Lagos State Opebi Branch 23, Opebi Road Ikeja Lagos State Branch Ketu 533, Ikorodu Road Ketu Lagos State Orile Coker Branch 3, Alhaji Owokoniran Street Orile Coker Lagos State Alaba Branch 44/45, Alaba International Market Road Street 52/54, Kosoko Lagos Island Lagos State Ojota Branch 1A, Ogudu Road Ojota Lagos State Adetokunboh Ademola Branch Plot 1408A, Street Adetokunbo Ademola Victoria Island Lagos State Nnamdi Azikwe Branch 68, Nnamdi Azikwe Street Idumota Lagos State Egbeda Branch 35, Akowonjo Road Egbeda Lagos State Ojuelegba Branch 78, Ojuelegba Road Tejuosho Lagos State Oyingbo Branch 7, Coates Street Lagos State
Dopemu Branch 92, Lagos-Abeokuta Expressway Dopemu Lagos State Branch Festac 4th Avenue Festac Lagos State Oba Akran Branch 23-25, Oba Akran Avenue Ikeja Lagos State Awolowo Road Branch 87, Awolowo Road Lagos State Moloney Branch 34, Moloney Street Lagos State Isolo Branch Lagos State Nahco Branch Lagos Island 113, Okota Road Okota Lagos State Ilupeju Branch 287, Ajose Adeogun Street 38/40, Ikorodu Road Jibowu Nahco Complex 1 11, Town Planning Way 11, Town Ilupeju Lagos State Adeniyi Jones Branch 65, Adeniyi Jones Ikeja Lagos State Gbagada Branch Oshodi-Apapa Expressway Gbagada Phase I Lagos State Lekki 1 Branch Lagos State Ajose Adeogun Branch Victoria Island Lagos State Ikorodu Road Branch Murtala Mohammed International Airport Ikeja Lagos State Plot 286 Plot 7, Blk 2 Oniru Private Estate By Maroko Bus Stop
Lagos State Issa Williams Branch Lagos State Marina Branch 48, Marina Street Lagos State Ikorodu Branch Lagos State Branch Toyin 1, Kingsway Road Plot 1697 Adeola Hopewell Victoria Island 27/29, Issa Wiliams Street Lagos Island 32, Lagos Road Lagos State Atiku Abubakar Hall Branch ICC, Lagos International TFC Lagos-Badagry Expressway Alaba International Market Street 54, Toyin Ikeja Lagos State Matori Branch 125, Ladipo Street Ikorodu Street 31, Tejuosho 4, Agudosi Street Off Ojo Road Mushin Lagos State Alfred Rewane Road Branch Ikoyi Lagos State Adeniran Ogunsanya Branch 71, Adeniran Ogunsanya Street Surulere Lagos State Maza Maza Branch 17, Sikiru Otunba Street Old Ojo Road Lagos-Badagry Expressway Lagos State Adeola Hopewell Branch Lagos State Branch Tejuosho Yaba Lagos State Lagos State Agudosi Branch Plot 161E Idejo Street Off Adeola Odeku Victoria Island Idejo Branch Corporate Directory continued
Ikotun Branch Oregun Branch Aguda Branch 4, Ikotun Junction 51, Kudirat Abiola Way 5, Enitan Street Ikotun Oregun Surulere Lagos State Lagos State Lagos State Shomolu Branch Ire Akari Branch Ikota Branch 47, Market/Odunlami Street 1, Godwin Omonua Street Suite E 79-81 and 116-118 Shomolu Ire Akari Estate VGC Lagos State Lagos State Ikota Shopping Complex Old Alaba Motor Park Branch Sabo Yaba Branch Lagos State Old Alaba Motor Park 290, Herbert Macaulay Way Satellite Town Branch Off Ojo Igbede Sabo-Yaba Opposite Tantalizers Alaba International Market Lagos State Old Ojo Road Lagos State Muri Okunola Branch Abule Ado Oroyinyin Branch 211, Muri Okunola Street Satellite Town 3, Oroyinyin Street Victoria Island Lagos State Idumota Lagos State Lasu Branch Lagos State Saka Tinubu Branch Lagos State University Olodi-Apapa Branch 44A, Saka Tinubu Street Ojo Plot 24 Off Adeola Odeku Street Lagos State Opposite Ibru Jetty Lagos State Alagbado Branch Apapa Lawanson Branch Daniel Farm Lagos State 87, Itire/Lawanson Road Km32, Lagos-Abeokuta Expressway Iddo Branch Surulere Agege Iddo Shopping Complex Lagos State Lagos State Iddo Iju Branch Odogunyan Branch Lagos State 134, Water Works Road Opposite 2nd Gate Allen Branch Iju-Ishaga Lagos Polytechnic 13, Allen Avenue Lagos State Lagos State Ikeja Oshodi Branch Ayobo Branch Lagos State Olorunsogo Along Ayobo/Ipaja Road Adeola Odeku Branch Oshodi Opposite Deeper Life Bible Church 44, Adeola Odeku Street Lagos State Ayobo Lagos State Victoria Island Ojodu Berger Branch Lagos State Plot 101 Ejigbo Branch Trade Fair Branch Isheri Road Along Ejigbo/Ikotun Road Opposite Zone F Ojodu Opposite NNPC Junction Block 1 Lagos State Ejigbo Lagos State Aspamda Ajao Estate Branch Lagos State Airport Road Idimu Branch Bode Thomas Branch Ajao Estate 71, Egbeda/Idimu Road 42, Bode Thomas Street Lagos State Idimu Lagos State Surulere Broad Street Ii Branch Lagos State 32, Broad Street Daleko Branch Ijeshatedo Branch Lagos Island Daleko Market Complex Ijeshatedo Lagos State Daleko Lagos State Surulere Ifako-Gbagada Branch Lagos State 6, Diya Street Adeniji Adele Branch Mushin Branch Ifako-Gbagada Oba Adeniji Adele Plaza 279, Agege Motor Road Lagos State Adeniji Adele Road Mushin Lagos Island St. Finbarrs Branch Lagos State Lagos State 67, St. Finbarrs Road Unilag Branch Chemist Bus Stop Adeola Odeku Branch University of Lagos Yaba 11A, Adeola Odeku Street Akoka, Lagos State Lagos State Victoria Island Lagos State
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Ibadan Oyo State Ogbomoso Branch New Court Branch New Court 34, New Court Road Dugbe Oyo State Bodija Branch Plot 6 Second Road University Crescent Ui Apake Area Ogbomoso Oyo State Iwo Road Branch 4, Iwo Road Ibadan Oyo State Ekotedo Branch Road 50, Adekunle Fajuyi Ekotedo Iya-Olobe Oyo State UCH Ibadan Branch Beside Blood Bank UCH Ibadan Oyo State Challenge Branch Challenge Roundabout Ibadan Oyo State Oyo Branch Beside Conoil Filling Station Ilorin-Ogbomosho Expressway Oyo State Ojoo Branch Old Ibadan-Oyo Road Besides Olona Filling Station Oyo State Ring Road Branch Opposite Mobil Filling Station Ring Road Ibadan Oyo State Bodija Branch Plot 32 Bodija Ui Road Bodija Ibadan Oyo State Plateau Bank Road Branch 37, Beach Road Plateau State
Ogun State Covenant Branch Opposite Covenant University Otta Ogun State Ilaro Branch Ona Ola Quarters Opposite Fire Station Ilaro Ogun State Sagamu Sagamu Branch 71, Akarigbo Road Adekunle Ajasin University Campus Ile Ife Osun State Ilesha Branch 107A, Orinkiran Street Oshogbo Road Osun State Oyo Dugbe Market Branch 37, Iwo Road Ibadan Oyo State Yaba Ondo Yaba Ondo State Adekunle Ajasin University Campus Branch Ondo State Obafemi Awolowo University Campus 1, Jimoh Odutola Street Ibadan Oyo State Iwo Road Branch 126, Oba Adesida Road Akure Ondo State Ondo Branch Osun Oshogbo Branch 2, Obafemi Awolowo Road Igbonna Osun State Ile Ife Branch 26, Aderemi Road Ile Ife Osun State Oau Branch Dugbe Market Ondo Ado Owo Road Branch 11, Ado Owo Road Ondo State Oba Adesida Road Branch
Ogun State Rccg Camp Branch Redemption Camp Km 46/85 Lagos-Ibadan Expressway Ogun Oke Ilewo Branch 1, Lilubu Street Oke Ilewo Ibara Mowe Ogun State Road Branch Fajuyi Ogun State Otta Branch Niger State Minna Branch 2, Old Airway Road Road 1-5, Fajuyi Sapon 145, Lagos-Abeokuta Expressway Sango Otta Ogun State Ijebu-Ode Branch 19, Ibadan Road Ijebu Ode Ogun State Niger Suleja Branch NNPC/PPMC Depot Suleja Off Boso Road Niger State Suleja Branch Suleman Barau Road Minna Lagos State Nasarawa State Mararaba Branch Plot 3316 Expressway Abuja Keffi Opposite Gamco Motors Niger State Bida Branch Along BCC Road Niger State Nasarawa Lafia Branch Jos Road Lafia Nasarawa State Ilupeju Mararaba Ilupeju Branch 25A, By-Pass Ilupeju Corporate Directory continued
Jos 2 Branch Trans Amadi Branch Taraba 1, Murtala Mohammed Way 41, Trans Amadi Industrial Layout Jalingo Branch Jos Port Harcourt 57B, Hammaruwa Way Plateau State Rivers State Jalingo Bukuru Branch Rumukurishi Branch Taraba State Bukuru-Jos Road Plot 382, Port Harcourt-Aba Expressway Jalingo Branch Bukuru Port Harcourt 240, Hammaruwa Way Jos South Local Rivers State Jalingo Plateau State Uniport Branch Taraba State Rivers University of Port Harcourt Yobe Agip Road Branch Port Harcourt Damaturu Branch No 1, Agip Road Rivers State 12B, Maiduguri Road Mile 4 Ikokwu Branch Along Potiskum Damaturu Road Rumueme Ikowku Damaturu Port Harcourt Rivers State Yobe State Rivers State Obigbo Branch Biu Branch Bank Road Branch Obigbo I, Damaturu Road 10A, Bank Road Rivers State Biu Rivers State Judiciary Yobe State Port Harcourt Woji Branch Rivers State Woji Zamfara Rivers State Gusau Branch Bonny Cash Centre Canteen Road Garrison Branch 64, Hospital Road Beside Fbn 82/88, Aba Road Bonny Island Gusau Beside MTN Building Rivers State Zamfara State Port Harcourt Trans Amadi Branch Rivers State Talata Mafara Branch Plot 10 Sokoto Road Eastern Bulkcement Branch Trans Amadi Industrial Layout Opposite LGA Office By Eastern Bulkcement Company Ltd Near Erijoy Hotel Zamfara State Port Harcourt Wofe Road Rivers State Rivers State Olu Obasanjo Branch Azikiwe Road Branch 329, Olu Obasanjo Road 5, Azikiwe Road Port Harcourt Near Government House Rivers State Port Harcourt Rivers State Azikiwe Road Branch 12, Azikiwe Road Rsust Branch Port Harcourt River State University Science Rivers State and Technology Port Harcourt Rumuokoro Branch Rivers State 679, Ikwerre Road Rumuokoro Sokoto Port Harcourt Sokoto Branch Rivers State Opposite Afribank Plc Maiduguri Road Eleme Branch Sokoto PPMC Depot Sokoto State Eleme Rivers State Sokoto Branch 20, Abdullahi Fodio Road Olu Obasanjo Branch 2 Sokoto Plot 9 Sokoto State Olu Obasanjo Road Port Harcourt Usman Danfodio University Branch Rivers State Main Campus Usman Danfodio University Sokoto Sokoto State
Access Bank Plc Corporate Social Responsibility Report 2011 70 Other Information 71 k Plc Access Bank Corporate Social Responsibility Report 2011 Access Bank Plc, 62 New Market Road, Plc, 62 New Market Access Bank Anambra, Branch Ogbunka RoadAccess Bank Plc, Umunze Govt Anambra State,Orumba North Local Anambra, Branch StreetAccess Bank Plc, 1 Ajaekwe Branch Odoagba, Anambra, Branch AnambraAccess Bank Plc, Ihiala State, Anambra, Branch OnitshaAccess Bank Plc, Up Iweka Anambra, Branch (Electronic Mkt Branch), Access Bank Plc, Building Material Market, Anambra, Branch Access Bank Plc, Nnamdi Azikiwe University Awka Anambra State, Anambra, Branch Access Bank Plc, Nigeria Stock Exchange Complex Onitsha Anambra State, Anambra, Branch Access Bank Plc, University of Agriculture Umudike Main Campus Abia State, Anambra, Branch Access Bank Plc, 1 Ajaekwe Street Odoagba, Anambra, Branch Access Bank Plc, 24 Muritala Mohammed Bauchi, Bauchi, Branch Way Access Bank Plc, along Kano-Duara Rd, Bauchi, Branch Access Bank Plc, Plot 3, Onopa Commercial Layout Onopa, Bayelsa, Branch Access Bank Plc, Km 6, Mbiama/Yenagoa Road, Bayesla, Branch Access Bank Plc, 5 Ogiri Oko Road G.R.A, Benue, Branch Access Bank Plc, Benue Cement Factory Km 72, Makurdi -Gboko Road, Benue, Branch Road Oturkpo Access Bank Plc, 19, Federal Benue State, Benue, Branch NUM Way Access Bank Plc, 5/7 J.S. Tarka Intl Bank, Katsina State, Benue, Branch Junction Katsina Ala Access Bank Plc, Y- Road Zaki Ibiam Benue State, Benue, Branch Access Bank Plc, 45 Muritala Mohammed Branch Cross, Way,
Akwa Ibom, Branch Access Bank Plc, 45 Muritala Mohammed Akwa Ibom, Branch Way, Access Bank Plc, 32, Aka Road opposite Gulf Bank Akwa Ibom State, Akwa Ibom, Branch Access Bank Plc, along Grace Bill Road Akwa Ibom State, Akwa Ibom, Branch Access Bank Plc, 30 Nnewi Road Anambra State Onistha 1, Anambra, Branch Access Bank Plc, Block 015 Zone 1 Edo Ezemewi Road, Nnewi, Anambra, Branch Access Bank Plc, 222 Zik Avenue, Anambra, Branch Harcourt Road Access Bank Plc, 48 Port Bridge Head Anambra State, Anambra, Branch Access Bank Plc, Uga Road, Ekwulobia Ekwulobia Aguata Lga, Anambra, Branch Akwa Ibom, Branch Access Bank Plc, PPMC Depot, Access Bank Plc, Federal Mortgage Bank Plc, Federal Access Bank Area Federal Building Central Business Abuja, Branch Capital Territory, Street oppositeAccess Bank Plc, 6 Jos Capital Federal Sharon Ultimate Hotel Abuja, Branch Territory, 599, Cadastral ZoneAccess Bank Plc, Plot Gimbiya Street,A3 Gwarjo Close Off Abuja, Branch 81 Ralph ShodeindeAccess Bank Plc, Plot Min of Finance Central Federal Str Opp Fed Abuja, Branch Capital Territory, Access Bank Plc, Plot Number 312, Nyanya Sports Centre Layout, Abuja, Branch Access Bank Plc, Obasanjo Space Village Capital Territory, Airport Road Federal Abuja, Branch Access Bank Plc, Plot 1037, Shafa Shopping Centre by Old Federal Capital Territory, Secretariat, Federal Abuja, Branch Access Bank Plc, 13/15 Atiku Abubakar (Mubi) Road, Adamawa, Branch Access Bank Plc, Along Oron Road Etiema Ibom, Branch Akwa Ibom State, Akwa Str. Access Bank Plc, 1 Abak Road,
Access Bank Plc,15 Azikiwe Road Aba,Access Bank Plc,15 Azikiwe Abia, Branch Umuahia Way Access Bank Plc, 2, Library Abia, Branch Road Faulks Access Bank Plc, 132, ATM LOCATIONS ATM Aba Abia State, Abia, BranchAba Abia State, Abia, House 45 AzikweAccess Bank Plc, Duke Branch Road Abia State, Abia, Road Aba,Access Bank Plc, 69 Azikwiwe Abia, Branch Access Bank Plc, Plot 6 Trading/Residential Area Umuahia, Abia, Branch Access Bank Plc, Plot 207 Capital Territory Cadastral Zone Federal Abuja, Abuja, Branch Access Bank Plc, Plot 2401 Cadastrals Zone A7, Abuja, Branch Access Bank Plc, National Assembly White House Basement Abuja, Abuja, Branch Access Bank Plc, Zone B2.582, Dei Dei Building Material Intl Market Federal Abuja, Branch Capital Territory, Access Bank Plc, Erisco Bonpet Plaza Wuse Market, Abuja, Branch Access Bank Plc, Block B NNPC Towers Capital Territory, CBD Federal Hm Way Abuja, Branch Plot 770 House Access Bank Plc, Tofa Capital Central Business District Federal Abuja, Branch Territory, Access Bank Plc, Plot 619, Gana Street Cadastral Zone A05 Cadastral Zone A0 Abuja, Branch Capital Territory, Federal Access Bank Plc, 356, Special Hospital Capital Road Gwagwalada Federal Abuja, Branch Territory, Secretariat Access Bank Plc, Federal Complex, Abuja, Branch Access Bank Plc, Plot 903 Obafemi Capital Territory, Federal Awolowo Way Abuja, Branch Access Bank Plc, along Akintola Boulevard Abuja, Capital Territory, Garki Federal Branch Ministry of Justice Access Bank Plc, Federal Abuja, Capital Territory Complex Federal Abuja, Branch Corporate Directory continued
Access Bank Plc, Hospital Road Ogoja Access Bank Plc, Plot 5, Commercial Block Access Bank Plc, Ashaka Cement Factory, Cross River State, Cross, Branch A Along New Iyin Road, Ekiti, Branch Gombe, Branch Access Bank Plc, 45 Muritala Mohammed Access Bank Plc, 5 Okpara Avenue, Enugu Access Bank Plc, 18 Wetheral Road, Way, Cross River, Branch State Enugu 1, Enugu, Branch Imo, Branch Offsite, Unicem Factory, Calabar, Cross Access Bank Plc, 12 Enugu Road, Access Bank Plc, Federal Polytechnic River, Offsite Enugu, Branch Nekede Imo State, Imo, Branch Access Bank Plc, 16/18 Bogobiri Road, Access Bank Plc, 42 Kenyatta Street Enugu Access Bank Plc, Eke-Ahiara Junction Cross Rivers, Branch State, Enugu, Branch Mbaise, Imo, Branch Access Bank Plc, 304 Nnebisi Road, Access Bank Plc, Enugu State University Access Bank Plc, Plot 10/11 Sani Abacha Delta, Branch Agbani Town Enugu State, Enugu, Branch Way Dutse, Jigawa, Branch Access Bank Plc, 126, Old Asaba Road Access Bank Plc, Agbani Road Agbani Access Bank Plc, 26D Ali Akilu Road Asaba Road, Delta State, Delta, Branch Main Town Enugu, Enugu, Branch Kaduna State, Kaduna, Branch Access Bank Plc, Robson Shopping Access Bank Plc, University of Nigeria Access Bank Plc, 16, River Road, Zaria, Complex Deco Road Delta State, Delta, Nsukka Enugu State, Enugu, Branch Kaduna, Branch Branch Access Bank Plc, Abakpa Nike Enugu Access Bank Plc, 314 Kachia Road Kaduna Access Bank Plc, I Damaturu Road Biu Enugu State, Enugu, Branch Kaduna State, Kaduna, Branch Yobe/Borno, Delta, Branch Access Bank Plc, 67 Ogui Road by Nnamdi Access Bank Plc, A2 Ahmadu Bello Way Access Bank Plc, Warri Road Sapele Delta Azikiwe Stadium, Enugu, Branch Kaduna State, Kaduna, Branch State, Delta, Branch Access Bank Plc, University of Nigeria Access Bank Plc, NNPC Kaduna Kaduna Access Bank Plc, 44 Ogoja Road, Enugu Campus, Enugu, Branch State, Kaduna, Branch Ebonyi, Branch Access Bank Plc, Plot 1195 Aminu Kano Access Bank Plc, Gumi Main Market, Access Bank Plc, 41 Ogoja Road, Crescent Wuse Ii (opp. Amal Court), Fct, Kaduna, Branch Ebonyi, Branch Branch Offsite, Kafanchan, Kaduna, Offsite Access Bank Plc, 135 Akpapava Road, Edo, Access Bank Plc, Plot 833 Adetokunbo Access Bank Plc, 7, Kwato Road Ungwan Branch Ademola Crsnt. Wuse 2, Fct, Branch Rimi Gra Kaduna State, Kaduna, Branch Access Bank Plc, 74 Edo Textile Mill Road, Access Bank Plc, Plot 247 Herbert Access Bank Plc, 16/20 Bida Road, Edo, Branch Macaulay Way, Fct, Branch Kaduna, Branch Access Bank Plc, Alumni Centre University Access Bank Plc, National Assembly White Access Bank Plc, 146 Murtala Mohmd of Benin Ugbowo Benin City, Edo, Branch House Basement Abuja, Fct, Branch Way Kano State, Kano, Branch Access Bank Plc, 23 Airport Road Benin Access Bank Plc, Ahmadu Bello Way Garki Offsite, 26D Ali Akilu Road Kaduna State, Edo, Edo, Branch Ii Abuja, Fct, Branch Kano, Offsite Offsite, 3, Oroyinyin Street Idumota Lagos, Access Bank Plc, Plot 87 Yakubu Gowon Access Bank Plc, 24 Bello Road Kano Kano Edo, Offsite Crescent Asokoro, Fct, Branch State, Kano, Branch Access Bank Plc, New Site Igbinedion Access Bank Plc, Plot 59, Gado Nasko Access Bank Plc, 3B Bank Road Kano State, University Campus Edo State, Edo, Branch Road Kubwa, Fct, Branch Kano, Branch Access Bank Plc, Beside Fed Poly Auchi I Access Bank Plc, Erisco Bonpet Plaza Wuse Access Bank Plc, Ibrahim Taiwo Road by Iyekhei /Polytechnic Road, Edo, Branch Market, Fct, Branch Aib Kano State, Kano, Branch Access Bank Plc, 6 Akhere Lane Edo State, Access Bank Plc, Plot 256 Herbert Access Bank Plc, Main Campus Bayero Edo, Branch Macaulay Way behind Unity Bank Head University Kano State, Kano, Branch Office Abuja Nigeria, Fct, Branch Access Bank Plc, 45 Akpakpava Street, Access Bank Plc, Aminu Kano Teaching Edo, Branch Access Bank Plc, 8 New Market Road, Hospital Kano State, Kano, Branch Gombe, Branch Access Bank Plc, 164 Sapele Road, Access Bank Plc, Zaria Road, Katsina State, Opposite NPDC, Sapele Road, Edo, Branch Access Bank Plc, Dukku Local Government Kano, Branch Secretariat, Gombe State, Gombe, Branch Access Bank Plc, 170 Uselu Lagos Road, Access Bank Plc, Kafanchan, Kano, Branch Edo, Branch Access Bank Plc, Deba Gra, Yamaltu Deba Lga, Gombe, Branch Access Bank Plc, Along Katsina Road By Bichi Junction Kano State, Kano, Branch
Access Bank Plc Corporate Social Responsibility Report 2011 72 Other Information 73 k Plc Access Bank Corporate Social Responsibility Report 2011 Access Bank Plc, 3, Alhaji OwokoniranAccess Bank State, Lagos,Street Orile Coker Lagos Branch A65 Alaba IntlAccess Bank Plc, Shop Market Ojo, Lagos, Branch Abeokuta ExpressAccess Bank Plc, 653 Abule-Egba Lagos Road Abule Taylor State, Lagos, Branch AwolowoAccess Bank Plc, 77 Obafemi House), Lagos State, Lagos, (Man Way Branch Street Access Bank Plc, 52/54 Kosoko Lagos State, Lagos, Branch Access Bank Plc, 1A Ogudu Road, Lagos State, Lagos, Branch Access Bank Plc, Plot 1408A Adetokunbo Ademola Street Victoria Island, Lagos, Branch Access Bank Plc, 68 Nnamdi Azikwe Road Street Idumota Lagos State, Lagos, Branch Access Bank Plc, 35 Akowonjo Road Lagos State, Lagos, Branch Access Bank Plc, 78 Ojuelegba Road Branch Lagos State, Lagos, Tejuosho Access Bank Plc, Iddo Shopping Complex Iddo, Lagos, Lagos, Branch Access Bank Plc, 4 Ikotun Junction Ikotun Lagos State, Lagos, Branch Access Bank Plc, 47, Mkt/Odunlami Street Lagos State, Lagos, Branch Off Access Bank Plc, Old Alaba Motor Park Ojo Igbede Lagos State, Lagos, Branch Access Bank Plc, 3, Oroyinyin Street Idumota Lagos, Lagos, Branch Access Bank Plc, 8 Apapa Express Way Ibafon Coconut, Lagos, Branch Access Bank Plc, Muritala Mohamed Way Oyingbo Ebute-Metta, Lagos, Branch Access Bank Plc, 13, Allen Avenue Ikeja Lagos, Lagos, Branch Access Bank Plc, 44, Adeola Odeku Street, Lagos, Branch Access Bank Plc, Opposite Zone F Block 1, Lagos State, Lagos, Branch Access Bank Plc, Ijeshatedo Surulere Lagos State, Lagos, Branch Access Bank Plc, 17 Sikiru Otunba St Old Plc, 17 Sikiru Otunba Access Bank Expressway, Ojo Road Lagos Badagry Lagos, Branch 1697 AdeolaAccess Bank Plc, Plot Lagos, Branch Hopewell Victoria Island, Street, LagosAccess Bank Plc, 48, Marina State, Lagos, Branch StreetAccess Bank Plc, 16 Apongbon Apongbon, Lagos, Branch Road, Lagos,Access Bank Plc, 32 Lagos Branch Access Bank Plc, Conia House opposite Complex, Lagos, Fair Kano Plaza Trade Branch Yaba, Osho Street, Access Bank Plc, Teju Lagos, Branch Access Bank Plc, 92 Lagos/Abeokuta Lagos, Branch Expressway, Access Bank Plc, Plot 650A 32 Road 3rd Lagos, Branch Town, Avenue Festac Access Bank Plc, 23-25 Oba Akran Avenue, Lagos, Branch Access Bank Plc, 87, Awolowo Road, Lagos, Branch Access Bank Plc, 34, Moloney Street, Lagos, Branch Access Bank Plc, 113, Okota Road, Lagos, Branch Way Planning Access Bank Plc, 11, Town Ilupeju Lagos State, Lagos, Branch Access Bank Plc, Plot 286, Oshodi Apapa Expressway Gbagada Phase I Lagos State, Lagos, Branch Access Bank Plc, Plot 7, Blk 2, Oniru Private Estate by Maroko Bus Stop Lagos State, Lagos, Branch Access Bank Plc, 287, Ajose Adeogun Street Victoria Island, Lagos, Branch Access Bank Plc, 38/40 Ikorodu Road Jibowu Lagos State, Lagos, Branch Offsite, Nahco Complex 1 Murtala Mohammed International Airport Road, Ikeja Lagos State, Lagos, Offsite Access Bank Plc, 13-15 Wharf Road Apapa Lagos State, Lagos, Branch Access Bank Plc, 23, Opebi Road, Lagos, Branch Access Bank Plc, 533, Ikorodu Road Ketu, Lagos, Branch Access Bank Plc, 17/18 France Road Kano Plc, 17/18 France Access Bank Kano State, Kano, Branch Office Road, Post Access Bank Plc, 12B Kano, Branch (Mubi)Offsite, 13/15 Atiku Abubakar Road, Katsina, Offsite opp. NUM Intl Access Bank Plc, Ibb Way Bank, Katsina, Branch Road Near Funtua Access Bank Plc, along Station Katsina, Katsina, Filling Total Branch Access Bank Plc, along Kano Road besides Nitel Office Katsina State, Katsina, Branch Katsina, Access Bank Plc, 106 Ibb Way, Branch Access Bank Plc, 1 Jos Road G.R.A, Kebbi, Branch Access Bank Plc, Obajana Cement Factory, Branch Kogi, Kogi, Road, Access Bank Plc, along Kogi Branch Access Bank Plc, 82 Lokoja Kabba Road Branch Lokoja, Kogi, Unity Folawiyo Access Bank Plc, 24 Wahab Road, Kwara, Branch Access Bank Plc, 29A Reservation Road Gra Ilorin, Kwara, Branch Access Bank Plc, Stadium Shopping Ilorin, Kwara, Branch Road Complex Taiwo Access Bank Plc, 183, Obafemi Awolowo Road Lagos State, Lagos, Branch Access Bank Plc, 24A Creek Road Apapa, Lagos, Branch Access Bank Plc, Plot 1617, Damole/Idejo Street Victoria Island, Lagos, Branch Access Bank Plc, 4 Agudosi St, off Ojo Road Alaba Intl Market Lagos State, Lagos, Branch Street Lagos Access Bank Plc, 54 Toyin State, Lagos, Branch Access Bank Plc, 125 Ladipo Street Lagos State, Lagos, Branch Access Bank Plc, 1, Kingsway Road Ikoyi, Lagos State, Lagos, Branch Access Bank Plc, 71 Adeniran Ogunsanya Street Surulere. Lagos State, Lagos, Branch Corporate Directory continued
Access Bank Plc, 279, Agege Motor Road Access Bank Plc, along Ejigbo/Ikotun Road Access Bank Plc, 153 Old Ojo Road Mushin Lagos State, Lagos, Branch Opp NNPC Junction Lagos State, Lagos, Kuje-Amuwo Agboju, Lagos, Branch Branch Access Bank Plc, University of Lagos Akoka Access Bank Plc, 171 Abeokuta Lagos State, Lagos, Branch Access Bank Plc, 71 Egbeda/Idimu Road Expressway Iyana Ipaja Ipaja, Lagos, Idimu Lagos State, Lagos, Branch Branch Access Bank Plc, 51, Kudirat Abiola Way Oregun Road Lagos State, Lagos, Branch Access Bank Plc, Daleko Market Complex Access Bank Plc, 4 Palm Avenue Mushin, Daleko Market, Lagos, Branch Lagos, Branch Access Bank Plc, 1 Godwin Omonua Street Ire Akari Estate Lagos State, Lagos, Branch Access Bank Plc, Oba Adeniji Adele Plaza Access Bank Plc, 20 Simbiat Abiola Road Adeniji Adele Road Lagos State, Lagos, Ikeja, Lagos, Branch Access Bank Plc, 290, Herbert Macaulay Branch Way Sabo Lagos State, Lagos, Branch Access Bank Plc, 30A Adetokunbo Access Bank Plc, 4 Burma Road Apapa, Ademola Victoria Island, Lagos, Branch Access Bank Plc, 211 Muri Okunola Street Lagos, Branch Victoria Island Lagos State, Lagos, Branch Access Bank Plc, Zone B R4 Mercy Cafe Access Bank Plc, 6 Obun Eko Street Aspamda Plaza Trade Fair Complex, Lagos, Access Bank Plc, 44A Saka Tinubu Street Idumota, Lagos, Branch Branch off Adeola Odeku Street Victoria Island Lagos, Lagos, Branch Access Bank Plc, 134/136 Broad Street, Access Bank Plc, 6 Mobolaji Bank-Anthony Lagos, Branch Way Ikeja, Lagos, Branch Access Bank Plc, 87 Itire / Lawanson Road Surulere, Lagos, Branch Access Bank Plc, Plot 1/3 Enitan Street Access Bank Plc, 150 Ogunlana Drive Surulere, Lagos, Branch Surulere, Lagos, Branch Access Bank Plc, 134 Water Works Road Iju-Ishaga, Lagos, Branch Offsite, Bagco Factory, Iganmu, Surulere, Access Bank Plc, Plot 650A 32 Road 3rd Lagos, Offsite Avenue Festac Town, Lagos, Branch Access Bank Plc, Olorunsogo Oshodi, Lagos, Branch Access Bank Plc, 7 Ayangburen Road Access Bank Plc, Plot 15 Ligali Ayorinde, Ikorodu, Lagos, Branch Lagos, Branch Access Bank Plc, Plot 101, Isheri Road Lagos State, Lagos, Branch Access Bank Plc, 84 Allen Avenue Ikeja, Access Bank Plc, 25A Ilupeju Bye-Pass Lagos, Branch Ilupeju, Lagos, Branch Access Bank Plc, 18 Osolo Way Ajao, Lagos, Branch Offsite, Newco Factory Oba Akran, Lagos, Access Bank Plc, I Point Road, Apapa, Offsite Lagos, Lagos, Branch Access Bank Plc, 32, Broad Street, Lagos, Branch Access Bank Plc, Plot 1665 Oyin Jolayemi Access Bank Plc, 40A/40B Ogba Ijaiye Street, Victoria Island, Lagos, Branch Road Ogba, Lagos, Branch Access Bank Plc, 6 Diya Street, Lagos, Branch Offsite, Oko Awo Street, Karim Kotun Access Bank Plc, 18 Osolo Way Ajao, Street, Victoria Island, Lagos, Offsite Lagos, Branch Access Bank Plc, 67 St Finbarrs Road Chemist Bus Stop, Lagos, Branch Offsite, Oladele Olashore Street, Off Oyin Access Bank Plc, College of Medicine Jolayemi, Victoria Island, Lagos, Offsite Ishaga Road Idi-Araba, Lagos, Branch Access Bank Plc, Plot 1/3 Enitan Street Surulere, Lagos, Branch Unico Factory, Oba Akran, Lagos, Offsite Access Bank Plc, Commerce House 1 Idowu Taylor Street, Lagos, Branch Access Bank Plc, Ikota Shopping Complex Access Bank Plc, 30 King George V Road Lekki, Lagos, Branch Onikan, Lagos, Branch Access Bank Plc, Idowu Taylor, Street, Victoria Island, Lagos, Offsite Access Bank Plc, opposite Tantalizers Old Access Bank Plc, Plot 1617, Damole/Idejo Ojo Road Abule Ado Lagos State, Lagos, Street Victoria Island, Lagos, Branch Access Bank Plc, beside Chevron Round Branch About along Lekki -Epe Expressway, Lagos, Access Bank Plc, 8/10 Commercial Road, Branch Access Bank Plc, Lagos State University Ojo Lagos, Branch Lagos State, Lagos, Branch Access Bank Plc, Bank of Industry Buliding Access Bank Plc, 53 Adeniyi Jones Street Broad Street, Marina, Lagos, Branch Access Bank Plc, Daniel Farm Km32 Lagos Ikeja, Lagos, Branch Abeokuta Agege Lagos State, Lagos, Access Bank Plc, 11A, Adeola Odeku Offsite, Dangote Adstart Factory, Oba Branch Street Victoria Island, Lagos, Branch Akran, Lagos, Offsite Access Bank Plc, opp. 2nd Gate Lagos Access Bank Plc, 58 Awolowo Road Ikoyi, Offsite, Dangote Agrosack Factory, Oba Polytechnic Lagos State, Lagos, Branch Lagos, Branch Akaran, Lagos, Offsite Access Bank Plc, 32 Jos Road, Nasarawa, Access Bank Plc, Kirikiri Lighter Terminal 2 Branch Tincan Island, Lagos, Branch
Access Bank Plc Corporate Social Responsibility Report 2011 74 Other Information 75 k Plc Access Bank Corporate Social Responsibility Report 2011 Access Bank Plc, Ikowku Rivers State,Access Bank Rivers, Branch Rivers State,Access Bank Plc, Obigbo, Rivers, Branch Rivers State, Rivers, Access Bank Plc, Woji, Branch Aba Road besideAccess Bank Plc, 82/88 House Rivers Mtn Building Opp.Tarpaulin State, Rivers, Branch BulkcementAccess Bank Plc, by Eastern Road Rivers State, Rivers, Coy Ltd Wofe Branch Access Bank Plc, 5, Azikiwe Road near Government House Rivers State, Rivers, Branch Access Bank Plc, River State University of Rivers State, Science and Technology Rivers, Branch Amadi Access Bank Plc, Plot 10 Trans Industrial Layout near Erijoy Hotel, Rivers, Branch Access Bank Plc, 329A Olu Obasanjo Road Rivers, Branch Port-Harcourt, Access Bank Plc, 12 Azikiwe Road, Rivers, Branch Access Bank Plc, 64 Hospital Road, Rivers, Branch Access Bank Plc, No 1 Agip Road beside Kilimanjaro Mile 4 Rumueme, Rivers, Branch Access Bank Plc, Bank Road opposite High Court, Rivers, Branch Access Bank Plc, 679 Ikwerre Road Rumuokoro Round About, Rivers, Branch Road, Access Bank Plc, 20 Abdullahi Fodio Sokoto, Branch Access Bank Plc, Main Campus Usman Sokoto, Branch Danfodio University, Access Bank Plc, opp. Afribank Plc Maiduguri Road Sokoto, Sokoto, Branch Access Bank Plc, 57B Hammaruwa Way Branch Jalingo, Taraba, Access Bank Plc, 12B Maiduguri Road Damaturu Road, Yobe, along Potiskum Branch Access Bank Plc, 10 Sani Abacha Way, Zamfara, Branch Access Bank Plc, 107A,Access Bank Orinkiran Street Branch Oshogbo Road, Osun, Court RoadAccess Bank Plc, 34 New Dugbe, Oyo, Branch 6 University Crescent,Access Bank Plc, Plot Oyo, Branch Area, OgbomosoAccess Bank Plc, Apake Oyo State, Oyo, Branch Road Ibadan OyoAccess Bank Plc, 4, Iwo State, Oyo, Branch Road Access Bank Plc, 50 Adekunle Fajuyi Iya-Olobe, Oyo, Branch Eko Tedo Access Bank Plc, beside Blood Bank Uch Ibadan, Oyo State Oyo State, Oyo, Branch Access Bank Plc, Challenge Roundabout Ibadan Oyo State, Oyo, Branch Access Bank Plc, Old Ibadan/Oyo Road besides Olona Filling Station Oyo State, Oyo, Branch Access Bank Plc, opposite Mobil Filling Station Ring Road Oyo State, Oyo, Branch Access Bank Plc, 1 Jimoh Odutola Street Dugbe Market, Oyo, Branch Access Bank Plc, 37 Iwo Road, Oyo, Branch Access Bank Plc, Plot 32 Bodija Ui Road Bodija, Oyo, Branch Access Bank Plc, 37, Beach Road, Jos, Plateau, Branch Road, Access Bank Plc, 28A Rwang Pam Plateau, Branch Junction Bukuru, Access Bank Plc, Yelwa Plateau, Branch Access Bank Plc, PPMC Depot, Rivers, Branch Access Bank Plc, Plot 9 Olu Obasanjo Road PHC Rivers State, Rivers, Branch Amadi Access Bank Plc, Plot 446/447 Trans Harcourt, Rivers, Industrial Layout Port Branch Harcourt- Access Bank Plc, Plot 382, Port Harcourt Rivers State, Aba Expres Port Rivers, Branch Access Bank Plc, University of Port- Rivers,State, Rivers Port-Harcourt Harcourt Branch
Access Bank Plc, Plot 3316, Abuja Keffi Keffi Plc, Plot 3316, Abuja Access Bank Nasarawa State,Expressway Mararaba Nasarawa, Branch Airway Road offAccess Bank Plc, 2 Old Branch Boso Road, Niger, Barau RoadAccess Bank Plc, Suleman Branch Niger, Opposite Gamco Motors, BCCAccess Bank Plc, Along Road Niger Branch State, Niger, Building 1 BankAccess Bank Plc, Nicon Branch Road Minna, Niger, Access Bank Plc, NNPC Suleja Depot, Branch Niger, Access Bank Plc, Redemption Camp Km 46/85 Lagos/Ibadan Express Way Km 46/85 Lagos/Ibadan Express Way Ogun State, Ogun, Branch Access Bank Plc, 14 Lalubu Street Oke – Ilewo Abeokuta, Ogun, Branch Access Bank Plc, 145, Lagos-Abeokuta Branch Ogun State, Ogun, Express Way Access Bank Plc, 19, Ibadan Road Ogun State, Ogun, Branch Access Bank Plc, 71, Akarigbo Rd Sagamu Ogun State, Ogun, Branch Access Bank Plc, opposite Covenant University Otta Ogun State, Ogun, Branch Access Bank Plc, Ona Ola Quarters opposite Fire Station Ogun State, Ogun, Branch Ibafo, Factory, Access Bank Plc, Wempco Ogun, Offsite Access Bank Plc, Bank Road Agbara Industrial Estate, Ogun, Branch Access Bank Plc, 11 Ado Owo Road, Ondo State, Ondo, Branch Access Bank Plc, Plot 5, Commercial Block A along New Iyin Road, Ondo, Branch Access Bank Plc, No 17 Oyemekun Road Akure, Ondo, Branch Ondo, Ondo, Branch Access Bank Plc, Yaba Access Bank Plc, Adekunle Ajasin University Campus, Ondo, Branch Access Bank Plc, Plot 2 Aiyedun Layout Gbongan, Osun, Branch Access Bank Plc, 26 Aderemi Road Osun State Ile Ife, Osun, Branch Access Bank Plc, Obafemi Awolowo University Campus Osun State, Osun, Branch Contact Information
This Report has been prepared in line with the Global Reporting Initiative (GRI) Sustainability Guidelines to GRI Application level B+. We have done this as a way of adding value to our CSR Report and the reporting process, while disclosing, and being accountable to, our internal and external Stakeholders on an ongoing basis. Access Bank Plc welcomes feedback from all its Stakeholders in respect of the content of this report and any additional information. We are interested in hearing what our Stakeholders think about our sustainability performance and reporting efforts and how we can improve both. Please email your thoughts and suggestions to: Omobolanle Babatunde Head, Corporate Social Responsibility Access Bank Plc The Plaza Plot 999c, Danmole Street Off Adeola Odeku/Idejo Street PMB 80150 Victoria Island Lagos Nigeria E: [email protected] E: [email protected] W: www.accessbankplc.com
Access Bank Plc Corporate Social Responsibility Report 2011 76 Sustainability is the BANKERS’ COMMITTEE JOINT STATEMENT OF COMMITMENT cornerstone of our BY MEMBERS OF THE BANKERS COMMITTEE “THE NIGERIAN SUSTAINABLE BANKING PRINCIPLES”
As leaders in the Nigerian financial sector, we are uniquely positioned to further economic SIGNATORIES business philosophy. growth and development in Nigeria through our regulatory, lending and investment Sanusi Lamido Sanusi activities across a diversity of segments and sectors of the Nigerian economy. The context in Central Bank of Nigeria Umaru Ibrahim which we make business decisions is, however, characterized by complex and growing Nigeria Deposit Insurance Corporation challenges relating to population growth, urban migration, poverty, destruction of Tunde O. Lemo Central Bank of Nigeria biodiversity and ecosystems, pressure on food sources, prices and security, lack of energy Suleiman Barau Only by delivering and infrastructure and potential climate change legislation from our trade partners, Central Bank of Nigeria Sarah O. Alade amongst others. Central Bank of Nigeria
Kingsley Moghalu Increasingly, it has been demonstrated that the development imperative in Nigeria should Central Bank of Nigeria not only be economically viable, but socially relevant and environmentally responsible. We Aigboje Aig-Imoukhuede social, economic and recognize that we have a role and responsibility to deliver positive development impacts to Access Bank Plc society whilst protecting the communities and environments in which we operate – for Emeka Emuwa today's generation as well as for future generations. We believe that such an approach, Citi Bank Nigeria Limited one of sustainable banking, is consistent with our individual and collective business Alex Otti objectives, and can stimulate further economic growth and opportunity as well as enhance Diamond Bank Plc innovation and competitiveness. Jibril Aku Ecobank Plc environmental value Given the above considerations, we are prepared to take steps to ensure that our business Ahmed Karu Enterprise Bank Ltd decision-making activities take these considerations into account and are, where Gbolahan Folayan applicable, consistent with relevant international standards and practices, but with due Equitorial Trust Bank Ltd regard for the Nigerian context and distinct development needs. Ladi Balogun First City Monument Bank Plc
Reginald Ihejiahi today, can we create Consequently, we hereby state our commitment to developing and Fidelity Bank Plc launching a voluntary set of Nigerian sustainable banking principles which Suzanne Iroche will include: Finbank Plc Stephen Olabisi Onasanya 1) An over-arching set of guidelines relating to our: (a) direct First Bank of Nigeria Plc impact on communities and the environment as a result of our Segun Agbaje Shareholder value own business operations; and (b) indirect impacts on Guaranty Trust Bank Plc Victor Etuokwu communities and the environment as a result of our lending and Intercontinental Bank Plc
investment activities; Oti Ikomi Keystone Bank Ltd
2) A set of sector-specific guidelines, including as a first priority: (a) Faith Tuedor-Mathews oil and gas; (b) power (with a focus on renewable energy); a n d Mainstreet Bank Ltd for tomorrow. (c) agriculture and related water resource issues; John Aboh Oceanic Bank Plc
3) A commitment to raising awareness and developing meaningful and Kehinde Durosinmi-Etti lasting local capacity to manage emerging environmental and social Skye Bank Plc Sola David-Borha risks and opportunities within our internal operations, as well as to Stanbic IBTC Bank Plc relevant financial sector government agencies, learning institutions Bola Adesola and service providers. Standard Chartered Bank Nigeria Ltd
Razack Adeyemi Adeola Sterling Bank Plc In developing these sustainable banking principles, we recognize the need for a process Phillips Oduoza which involves the engagement of relevant stakeholders and industry experts. We also United Bank of Africa Plc recognize the need for an approach which provides for appropriate levels of transparency, Funke Osibodu accountability and self-assessment through regular reporting to our stakeholders. We will Union Bank of Nigeria Plc seek to work with the Central Bank of Nigeria, other relevant government agencies and Ado Wanka development finance institutions to create the enabling environment as well as the Unity Bank of Nigeria Plc Segun Oloketuyi incentives and enforcement mechanisms required for successful adoption and uptake of Wema Bank Plc the sustainable banking principles. Godwin Emefiele Zenith Bank Plc
We acknowledge that we can better support environmentally and socially responsible Abubakar Jimoh economic development in Nigeria by joining forces rather than standing alone. We hereby Associated Discount House Ltd
sign this Joint Commitment Statement with the aim of developing a set of sustainable Adeleke Shittu banking principles for the Nigerian banking sector, to drive long-term sustainable growth Consolidated Discounts Ltd whilst focusing on development priorities, safeguarding the environment and our people, Kwesi Sagoe and delivering measurable benefits to society and the real economy. Express Discount Ltd Rilwan Belo-Osagie First Securities Discount House Ltd
Laoye Jaiyeoba Kakawa Discount House Ltd
Designed and produced by MerchantCantos, www.merchantcantos.com Printed by Empress Litho Limited Printed on Greencoat 55 Silk which is carbon balanced paper. This means the carbon intensity has been measured through the production process and an equivalent carbon credit (offset) has been purchased. It is made from 55% recovered fibre, diverting waste from landfill, and contains material sourced from responsibly managed forests together with recycled fibre, certified in accordance with the FSC (Forest Stewardship Council). It is manufactured to the ISO 14001 international standard, minimising negative impacts on the environment. Corporate Social Responsibility Report 2011 Report Access Bank Plc Responsibility Social Corporate Access Bank Plc The Plaza Access Bank Plc Plot 999c, Danmole Street Corporate Social Responsibility Off Adeola Odeku/Idejo Street PMB 80150 Report 2011 Victoria Island Lagos Nigeria T: (+234) 1-2771191, 2773300-99 F: (+234) 1-2771185 www.accessbankplc.com
Awarded
Sustainable Bank of the Year Award, Middle East and Africa Sustainable banking for a sustainable future