1.1 HISTORICAL BACKGROUND OF THE STUDY
Access Bank Nigeria Limited was licensed as a commercial bank in December, 1988 and opened its door to customers on May 11th, 1989. The bank started business from 4 Buma Road in Apapa, Lagos State. Its formal corporate head office with an authorized share capital of #20million. The share later increased to #70million and of this amount, #58million has been paid up. The bank’s ownership is spread amongst reputable Nigerian business men and professionals whose business interests cov...