Our Businesses

Our Businesses

The bank’s business activities are in line with Group's main business activities organised along four customer segments, each served by strategic business units (“SBUs”) as follows:

Corporate Investment and Banking

The Corporate and Investment Banking SBU focuses on multinational, well-structured large local and foreign owned companies with risk rating falling within a specified limit, as well as financial institutions in the banking, capital markets, pensions and insurance sub-sectors. The Corporate and Investment SBU's sector focus include the cement and construction, communications, manufacturing, upstream oil and gas, and financial institutions sectors, and selective focus in the downstream oil & gas, power, transportation, agriculture and real estate sectors. The Corporate and Investment Banking SBU's Financial Markets unit offers clients a wide range of financial services including treasury (trading in fixed income and currency products), corporate finance, project finance and structured finance (acquisition and leveraged finance services).  This division is also responsible for the Group's relationships with domestic and international financial institutions (including development finance institutions ("DFIs").

Commercial Banking

The Commercial Banking SBU focuses on incorporated companies Federal Government ministries, departments and agencies, as well as state and local governments. The Commercial Banking SBU's target market includes companies that are within the Corporate and Investment Banking value chain, as well as Federal, State, and Local Governments. Specific target customers include Asian companies in key sectors/industries and select states/cities, manufacturing companies, consumer, hospitality and lifestyle companies and contractors in select sectors (oil and gas, construction and real estate).

Personal and Private Banking

The Personal Banking section of the SBU focuses on affluent professionals, employees in the value chain of the Group's corporate clients, as well as students, pensioners, employees of religious organizations and informal traders.

Products & Services

At Access, we offer our customers a variety of products and services designed to help you better manage your funds. For added banking convenience, we offer additional products and services which help meet your personal and business needs.

• Savings Account
• Current Account
• Internet Banking
• MPOwer Biz Account
• Credit Card
•  Solo Account

Business Competitiveness

Our customers are at the heart of our business model. Working with some of the world’s biggest companies, we grow their business by empowering their employees, suppliers and distributors. We are giving millions of individuals the power of banking.

Quality policy & objectives

Bank of Zambia and Bankers Association of Zambia standards

Service pledge

Speed, Service and Security