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Access Bank plc, commonly known as Access Bank, is a Nigerian multinational commercial bank, owned by Access Bank Group. It is licensed by the Central Bank of Nigeria, the national banking regulator.[1]

Originally a corporate bank, they expanded into personal and business banking in 2012. Access Bank and Diamond Bank merged on April 1, 2019. In conclusion of its merger with Diamond Bank, Access Bank unveiled its new logo, signalling the commencement of a new enlarged banking entity. The bank employs more than 28,000 people in 2021.[2]

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In early 2021, Access Bank announced that it had identified eight new African countries for potential expansion, seeking to benefit from a continent-wide free trade agreement. The target markets are Morocco, Algeria, Egypt, Cte d'Ivoire, Senegal, Angola, Namibia and Ethiopia, which would extend the international presence of the bank to 18 countries. Access Bank is expected to establish offices in some countries and in others, should partner with existing banks and leverage its digital platforms to provide services to clients.

The opening of Access Bank in Paris will be managed by the group's London branch, headed by Britain's Jamie Simmonds. The new offices in France will focus on trade finance. The Nigerian bank is also considering embarking on investment and wealth management services.

Access Bank plc is a large financial-services provider. In June 2021, the bank had an asset base in excess of US $25,5 billion (NGN: 10,055 trillion), and shareholders' equity valued at approximately US$1.87 billion (NGN: 775 billion).[4] (Note that US $1.00 = NGN 413 on 1 November 2021.)

The bank's headquarters is located at 14/15, Prince Alaba Abiodun Oniru Road, Victoria Island, Lagos, Lagos State, Nigeria in the city of Lagos, the most commercial city of Nigeria. The coordinates of the bank's headquarters are: 6.4333751, 3.4453135.[15]

For customers unable to open a standard account due to past credit or banking history for the first 365 days from the date your new Clear Access Banking account was opened, you won't be able to convert into any other Wells Fargo account. After 365 days, you can convert into any Wells Fargo consumer checking account offered at that time.

You will receive your Worldwide Military Banking program benefits 45 days after your qualifying non-civilian military direct deposit is deposited into your eligible Wells Fargo checking account. For more information on the qualifying non-civilian military direct deposit, program qualifications and benefits, please visit wellsfargo.com/military/worldwide-military-banking or wellsfargo.com/depositdisclosures

Certain devices are eligible to enable fingerprint sign-on. If you store multiple fingerprints on your device, including those of additional persons, those persons will also be able to access your Wells Fargo Mobile app via fingerprint when fingerprint is enabled. Your mobile carrier's messaging and data rates may apply.

The FDIC provides a wealth of resources for consumers, bankers, analysts, and other stakeholders. Browse our collection of financial education materials, data tools, documentation of laws and regulations, information on important initiatives, and more.

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The FDIC publishes regular updates on news and activities. Keep up with FDIC announcements, read speeches and testimony on the latest banking issues, learn about policy changes for banks, and get the details on upcoming conferences and events.

Your transferred deposits will be separately insured from any accounts you may already have at PrinsBank for six months after the failure of Access Bank. Checks that were drawn on Access Bank that did not clear before the institution closed will be honored as long as there are sufficient funds in the account. If you have questions about your account(s) transferred to the assuming bank, you may speak to an FDIC representative by calling 1-866-954-9531.

All loans are subject to credit approval, income verification and, if applicable, collateral evaluation. Programs, rates, terms and conditions are subject to change without notice. The interest rate discount requires a qualifying Wells Fargo consumer checking account. Loan applicants with a Prime Checking or Premier Checking account at the time of application for credit qualify for additional interest rate discounts. The interest rate discount requires automatic monthly payments deducted from a Wells Fargo consumer deposit account. If either the Prime Checking or Premier Checking account is closed or the automatic payment is cancelled at any time after the loan is opened, the interest rate may increase, in which case your corresponding monthly payment will increase. Talk with your banker, or refer to product information online at www.wellsfargo.com, to learn what requirements apply to your specific loan.

Brokerage products and services are offered through Wells Fargo Advisors. Wells Fargo Advisors is a trade name used by Wells Fargo Clearing Services, LLC (WFCS) and Wells Fargo Advisors Financial Network, LLC, Members SIPC, separate registered broker-dealers and non-bank affiliates of Wells Fargo & Company.

Plaid provides developers with the tools they need to help users make the most of their finances. We power over 8,000 apps and services worldwide, as well as connect to over 12,000 banks and financial institutions across the US, Canada, the UK, and Europe.

The Asian bank plan is part of a wider global expansion target which includes a strategy to expand more deeply into Francophone Africa, build closer ties with North Africa, and across Europe where it already has wholesale banking operations in London and Paris, which opened in May.

It has also expanded rapidly across the continent over the last half decade. Most recently, it snapped up the banking operations of Standard Chartered in Angola, Cameroon, The Gambia, Sierra Leone, and Tanzania.

In its study focused on France, the paper found that fintech borrowers, or small businesses, experience an immediate increase in bank credit, plateauing at 20% in six months after the fintech loan origination. That 20% translated into an additional 15,000 euros ($15,770) on average for an SME in France. The study covered some 2,000 fintech borrowers and 10 fintech platforms, which made up 80% of the market, between 2014 and 2019.

Banks have limited presence in the market for unsecured loans because it is unattractive for them: Regulations require them to provide for unsecured loans double the capital adequacy buffer required for secured loans, the paper explained. But fintech lenders are happy to extend to SMEs unsecured loans to buy assets, which the SMEs can pledge as collateral to raise more money from banks.

To compensate for the risk they take on with such loans without collateral, or assets as security, fintech lenders in France charge interest rates averaging 8% annually, compared to bank interest rates that average 2%. The investors in the fintech firms take home annual realized returns averaging 5%, while the platforms on which they operate collect fees for their role as intermediaries between the fintech firms and the investors.

Another trend the study found is that changes in default rates of fintech borrowers after the credit expansion depend on their financial health. If a fintech borrower had a low credit risk (compared to the median credit risk among all borrowers) before raising a bank loan, it did not become riskier than a comparable firm taking out a similarly sized bank loan, despite facing a higher repayment obligation. The converse also held true, where fintech borrowers with higher credit risk defaulted more than a comparable firm taking out a bank loan.

Fintech platforms arrived in France only as late as 2014 after regulatory relaxations allowed non-bank entities to carry out lending activities, the paper noted. Together, the 14 active fintech platforms collectively issued loans totaling some 530 million euros ($557 million) between 2016 and 2019. The platforms are allowed to put through corporate loans of less than one million euros each. Fintech borrowers in France are relatively small in number, accounting for only 0.5% of the borrowing base of banks.

Our strong foundations have provided us with the skills, ability and experience to understand the marketplace and tailor our services to meet your individual needs. We are driven by our passion for service delivery, a motivation we are proud to have inherited from our parent company, Access Bank Plc, one of the leading banks in Nigeria.

We offer a broad range of innovative products and services including Trade Finance, Commercial Banking and Asset Management. Our Online Banking facility provides 24-hour access to your accounts to suit your lifestyle.

Access Bank Plc's (Access) Caa1 deposit rating is aligned with its caa1 Baseline Credit Assessment (BCA). Although we believe that there is a high probability that the Nigerian government (Caa1 positive) would support the bank's senior liabilities in case of need, this does not benefit the ratings as the government itself is rated no higher than the bank's BCA.

Access' caa1 BCA primarily reflects the constraints from the challenging operating environment in Nigeria, as well as the interlinkages between the sovereign's weakened creditworthiness and the bank's balance sheet. The bank's core capitalisation is relatively modest, although its regulatory capitalistion is solid.

These challenges are moderated by the bank's robust risk management and strong deposit gathering franchise, combined with diversified and relatively long-dated foreign currency funding. Access also benefits from sound profitability, supported by its large domestic footprint and strong franchise in pan-African cross border transactions. 2351a5e196