As a member bank of the AccessGroup network, ABL shares a range of core-standardized products (with local adaptations as required) and the following principles:
Ease and speed of access – providing ﬁnancial services to previously un-or under-served parts of the population, with the aim to be faster and more efﬁcient than any comparable operator in the country;
Transparency and clarity – communicating all products, services and eligibility criteria with as little room for subjective interpretation as possible;
Quality leadership – setting industry standards with respect to customer service and quality, ensuring the highest quality loan portfolios possible, through adherence to international best practices with respect to their underwriting standards and credit risk management;
Training and staff development – recruiting talented and motivated staff on a large scale that do not necessarily have relevant work experience and qualifying them to assume more responsible roles over time through regular trainings and coaching as well as frequent staff exchanges between network banks.
Strong business ethics – adhering to a joint set of principles of good corporate behavior, covering responsible lending practices, adherence to social and environmental standards, both international and local, as well as a stringent code of conduct for all member-bank employees.