Our Impact

Joyce Mudenda Siachiwema, agro loan client of AB Bank, on her farm land in Chilanga Area, Lusaka, Zambia

We at AccessHolding aim at building a network of banking institutions, that provide easily accessible and livelihood-improving services, by strengthening their capacities to drive impact through financial inclusion.

Our Impact at a Glance


Number of Clients 

Based on number of accounts


Female Clients


Rural Clients


Young Clients  

35 years or younger


Loans Disbursed  

Accumulated no. of loans disbursed since Jan-2008


Average Loan Amount  

Average disbursed loan amount in EUR since Jan-2008


Business Loans  

Percentage of business loans outstanding


Digital Transactions  

Share of transactions done via alternative delivery channels


Number of Staff  

All staff working in eight network institutions


Female Staff


Employee Training Days  

Total training days (8h) in 2020, incl. classroom, blended and e-learning


Completed e-Learning  

Total number of e-courses finished since May-2017

Our Commitment

Globally, about 1.7 billion adults remain unbanked — without an account at a financial institution or a mobile money provider. More than half of these are women and poor households in rural areas. Equally, micro and small enterprises — which form the backbone of many economies with their large potential for employment generation and socio-economic development — are still largely underserved by financial institutions.

We at AccessHolding aim at building a network of responsible and resilient banking institutions that cater to the financial needs of underserved urban and rural populations by providing easily accessible and livelihood-improving services. We strengthen the institutions’ capacities to drive impact through improving outreach, economic growth and gender equality, and thus contribute to the UN Sustainable Development Goals.