Strength & Stability in Uncertain Times
Annual Report & Accounts 2009
Business Review
Operating Environment
Commentary on the global economy, and the Nigerian domestic political and economic environment.
Corporate Social Responsibility
Overview of CSR initiatives including targeted support in the community, for healthcare, economic development and sustainability of the environment.
Industry Review and Outlook
General industry overview followed by detailed analysis.
Key Performance Indicators
Assessing the Group's progress using both financial and non-financial measures.
The Bank
Description of key, cross-functional initiatives required to deliver on our aspirations.
Risk Management Disclosure
A clear view of the major risks faced by the Bank and the role of the Board and Management in managing these risks.