Page 4 - ACCESS ANNUAL REPORT 2019
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CONTENTS OVERVIEW FINANCIALS
9 Welcome
10 Business & Financial Highlights
11 Global Network
12 Chairman’s Statement
15 Managing Director’s Review
BUSINESS REVIEW
21 Corporate Philosophy
22 Year in Review
25 Commercial Banking 27 Retail Banking
30 Business Banking 32 Corporate Banking
34 Public Sector
35 Investment Banking
37 Digital Evolution
40 Information Technology
42 Service & Innovation
44 Our People, Culture & Diversity
SUSTAINABILITY AND
77 Independent Auditor’s Report
82 Statement of Comprehensive Income 83 Statement of Financial Position
84 Changes in Equity
86 Statement of Cash Flows
87 Notes
SHAREHOLDER INFORMATION
161 Shareholder Engagements
162 AGM Notice
CORPORATE INFORMATION
169 International Offices
170 Branch Network
173 Products & Services 181 ATM Directory
RISK MANAGEMENT REPORT
51 Sustainability
53 2019 Review
56 Risk Management
GOVERNANCE
63 The Board
66 Directors’ Responsibilities
66 Authority of the Board
67 Board Effectiveness Review
67 Directors’ Annual Corporate
Governance Certification, 2019 67 Committees of the Board
69 Directors, Officers & Advisors
70 Management Team
71 Directors’ Report
driving sustainable
growth through
innovation
