Information & Communication Technology
The Company is running on new Banking software – BankMaster and Branch Power. The software is complete with Wide Area Network for online realtime Banking. It is also has online/offline [centralized/decentralized] facility where each branch is connected to the central server in the Head Office, but also has full stand - alone capability.
Similarly, the Services had adopted the V-SAT technology for its communication network. This option is acknowledged as the best in ensuring very high data transmission speed, reliability, availability and readiness to support data and images. The Bank however, has provision for leased lines as back up. This has equally taken into consideration the expected rapid expansion of the Bank.

Capital
The present shareholders funds of the Company currently stands at N1.5bn as at June 2001. The Bank‘s capital adequacy is well above the requirement of the regulatory authority. However , based on the commitment of the Board and the Management to ensure a well capitalized Services, the Board has called for additional fresh injection of fund to raise the paid up capital to minimum of £20million.

Human Resources
The Bank's commitment to staff development and training is well known in the Banking industry. This has strongly helped in sourcing the best hands available in the industry. In addition to the competitive remuneration package offered by the Services, incentives are provided to ensure that they carry out their duties in a conducive environment. The Bank has in its employ over 500 highly skilled, motivated and resourceful knowledge workers.
The staff have continued to benefit from courses organized by professional bodies both locally and abroad. This is in addition to the quality in-house training given to all staff. The philosophy of the Company lays emphasis on excellence and professionalism.
The strength of the Services has been based on the superior experience, focus and dedication of the Board of Directors and the Management. The Board had been very stable with singular commitment to ensure a strong and viable Services. This no doubt will continue to be an invaluable asset in the Bank’s pursuit of its objectives.