To be the premier financial services group of African origin.


To attain the highest levels of customer advocacy, be a great place to work and deliver superior and sustainable returns to our shareholders.

Core Values



  • We play by the rules (the regulations of the financial service industry, laws of our operating jurisdiction and our own code of conduct).
  • We uphold absolute integrity and honour our promises.
  • We conduct ourselves well in the office, treat everyone we come into contact with respectfully.
  • We maintain a neat and tidy appearance and environment.
  • We adhere to high ethical standards.



  • We nurture the capacity to endure.
  • We strive to maintain high quality earnings through diversified and repeatable revenue sources.
  • We abide by the sustainability principles of the Nigerian banking industry, which promotes a positive social and environmental impact of the organization and the banking industry.
  • We maintain appropriate business continuity strategies in respect of our people, premises, technology and information.


Customer Focus

  • The voice of the customer sets our priorities.
  • We seek to achieve the highest levels of customer loyalty and advocacy measured by our Net Promoter Score.
  • Our customer-driven decisions must create economic value for our shareholders.



  • We maintain the highest operating standards (people, processes, environment, appearance, infrastructure, suppliers, financial, customer, compliance and risk metrics).
  • Best in class (we intend to attain the best performance indices when compared with the leading African banking groups and competitors in our domestic market).
  • We focus on continuous improvement in everything we do.