Business Principles

Our customers interests always come first. If we serve our clients well, our own success is inevitable.

Our assets are our customers, our people, our capital and our reputation and the most important of these is our reputation.  We are also dedicated to complying fully with the letter and spirit of all laws, rules and ethical principles that govern us. Our continued success depends upon complete adherence to this standard.

Our goal is to provide superior returns to our shareholders. Profitability is critical to achieving superior returns, building our capital and attracting and keeping the best people. Significant employee stock ownership aligns the interests of our employees and our shareholders.

We take great pride in the professional quality of our work. We have an uncompromising determination to achieve excellence in everything we undertake. This will ensure we become a world class organization by 2015.

We stress creativity and imagination in everything we do. We constantly strive to find better solutions to our customer’s problems. We pride ourselves on having pioneered many of the practices, products and techniques that have become standard in the industry in Nigeria.

We make unusual efforts to identify and recruit the very best person for every job and we select our people one by one. In a world class company,we know that without the best people, we cannot be the financial service industry leader.

We offer our people the opportunity to move ahead more rapidly than is possible at most other companies. Advancement depends on merit and we have yet to find the limits to the responsibility our best people are able to assume. For us to be successful, our men and women must reflect the diversity of the communities and cultures in which we operate. That means we must attract, retain and motivate people from many backgrounds and perspectives.

We stress teamwork in everything we do. Whilst individual creativity is encouraged, we believe  that team effort produces the best results.We have no room for those who put their own interests ahead of the interests of the company and our customers.

We consider our size to be an asset that we strive to preserve. We want to be big enough to undertake the largest project that any of our customers could contemplate, yet small enough to maintain the loyalty and intimacy that contributes to our success.

We strive to anticipate the rapidly changing needs of our customers and to develop new products and services to meet those needs. We know that the world of finance will not stand still and that complacency can lead to extinction.

Integrity and honesty are at the heart of our business. We expect our people to maintain high ethical standards in everything they do, both in their work for the company and in their personal lives.