One of the strengths of ETB is its capital adequacy, which has equipped it to operate effectively and confidently in the banking industry

to the satisfaction of its customers, and regulatory authorities. The Bank today has an authorised share capital of N8.0 billion, out of

which N6.5 billion has been paid up. Its shareholders’ funds stand at N32.12billion as at the end of 2007 financial year. ETB’s capital

adequacy has been a source of confidence to customers who see the Bank as a safe haven to deposit their funds.

ETB’s expanding branch network

As part of ETB’s resolve to remain a top player in the competitive banking industry and build a leading brand revolving around retail

banking, we are pursuing a rapid branch expansion policy in deploying the services of our Bank to all parts of the country and

leveraging on this platform to successfully increase its share of the retail end of the market. We have a mission to be present in all cities

and towns across the country to deliver superior quality banking services to the door steps of our customers.

With the sharp increase in the new volume of customer base of the Bank given its new retail banking drive, the opening of new

channels by way of branches has become vital to position the bank for the unfolding benefits of retail banking. ETB is on track with its

branch expansion agenda as it strives after sustenance of its reputation as a reference financial institution.

Opening of MoneyGram Red Shop

To sustain our position In our bid to dominate the international money transfer business in Nigeria and beyond, the Bank has seen the

need to continue to open ETB MoneyGram Red Shops across the country. The Bank in 2006 won the MoneyGram Best Agent Bank

Award and capped it with an Achievement Award in 2008.

Products and Services

ETB over the years has emerged as provider of quality banking products and services tailored towards the satisfaction of the

banking needs of our customers.

This is attested to by the array of quality (retail) products and services the Bank has introduced into the market based on proper

evaluation of the various segments of the market. In real terms, our priority at ETB is to ensure that the Bank

optimizes the opportunities provided by the mass market to provide quality banking services through our multiple service

delivery channel platforms through retail banking. The Bank will continue to promote lower-risk retail lending products, in particular

car loans and credit cards, maintain market presence in retail deposits to expand the business and develop retail IT software to

support the expected growth of the business.

Some of the retail products are highlighted below:

Quick Loan: This product is targeted at professionals in industries to enable them meet cash-flow shortfalls. Features of

the product include approval within 24 hours of meeting obligations, flexible payments and competitive interest rates.

Auto Loan: This product equips beneficiaries to purchase the car of their choice without problems. Features include 30 percent

equity contribution, flexible repayment terms and competitive interest rates.

Power Pay

Savings A/c

HYPA combines the benefits of a savings account and the versatility of a current account. It is a personal current account and

not for companies.

Features

dedicated RMs

not met

…Partnership that works!

Youth Achievers A/c

This savings scheme at ETB provides corpers, students and the youth an opportunity to begin a savings lifestyle that will last them

a lifetime.

Benefits

Earn 10 individual Scholarships/ Gift Vouchers every year by opening an ETB Youth Achievers

A/c.

FEATURES

N5000.

banking.

RMs.

10 a/c holders meeting the minimum balance criteria would be given a scholarships/Gift

Vouchers to the extent of N 20,000 by a lucky draw, every year.

Business Multiplier Current Account

This is a current account designed for both Corporate , Non-Corporate, Small Enterprises, Societies, Clubs, Associations,

Religious organizations etc.

FEATURES

minimum balance is met – thereby giving you a return more than the call rate.

books.

internet banking.

exchange.

BENEFITS

branches.

Europe every year on a lucky draw basis only for those a/cs where minimum balance is met.

dedicated RMs.

with the help of our Wealth Management & Asset Products team.

…Partnership that works!

Non-Resident Nigerians A/c

Benefits

Naira depreciation.

also.

LIBOR.

guidelines.

dedicated RM.

Features

EURO also.

internet banking.

desk.

* USD or in equivalent value in

Pound/Euro.

**No interest if minimum balance not

met.

…Partnership that works!

Salary Account (For Bulk Sales)

Target Segment

Features

of our Branches.

access to the account.

balance of N20,000 met.

The Bank also repackaged EquiSWIFT, its local money transfer product. This was informed by the need to bring the services of

the Bank closer to the customers in view of the on-going branch network initiative. Besides, it is to meet the changing needs of its

customers. Key in the initiative is the unprecedented slash in industry transfer charges to encourage patronage and ensure the

convenience of the users.

The re-packaging of EquiSWIFT is in line with ETB’s thrust for banking excellence, since inception. Coming on the heels of a

highly successful year, the Bank is set to continually provide its numerous customers with top range products and world class

services.

ETB is offering Premier banking service to exceptionally high net worth individuals with disposable funds of N5 million and above.

These customers will be serviced with specially designed products and not just the Bank’s generic products. Here, high net worth

Individuals will get personalised services in the management of their funds, stocks, estate, writing their wills amongst other things.

The customers here are serviced in an exclusive and private manner, not just in a regular banking hall or office setting which is

relaxed, comfortable and exceptional. The idea is to start as a private branch and in the process identify and grow the cream of

customers, probably collate from a number of outlets in one branch to serve them specially.