Apex Credit Finance Bank - OUR MISSION

Apex Credit Finance Bank's mission is to serve as a trusted partner to our clients by responsibly providing financial services that enable growth and economic progress.
Our core activities are safeguarding assets, lending money, making payments and accessing the capital markets on behalf of our clients.
We have many years of experience helping our clients meet the world's toughest challenges and embrace its greatest opportunities.
We are Apex Credit Finance Bank, the global bank – an institution connecting millions of people across hundreds of countries and cities.
We protect people's savings and help them make the purchases – from everyday transactions to buying a home – that improve the quality of their lives.
We advise people on how to invest for future needs, such as their children's education and their own retirement, and help them buy securities such as stocks and bonds.
We work with companies to optimize their daily operations, whether they need working capital, to make payroll or export their goods overseas.
By lending to companies large and small, we help them grow, creating jobs and real economic value at home and in communities around the world.
We provide financing and support to governments at all levels, so they can build sustainable infrastructure, such as housing, transportation, schools and other vital public works.
These capabilities create an obligation to act responsibly, do everything possible to create the best outcomes, and prudently manage risk.
If we fall short, we will take decisive action and learn from our experience.
We strive to earn and maintain the public's trust by constantly adhering to the highest ethical standards.
We ask our colleagues to ensure that their decisions pass three tests: they are in our clients' interests, create economic value, and are always systemically responsible.
When we do these things well, we make a positive financial and social impact in the communities we serve and show what a global bank can do.
With a high-touch, segment-driven relationship model that serves clients across the full spectrum of consumer banking needs, Apex Credit Finance Bank serves as a trusted advisor to its retail, small business and wealth management clients at every stage of their financial journey.
In the U.S., Apex Credit Finance Bank’s retail bank transformation made significant progress.
With its new client-centric model in the U.S., Apex Credit Finance Bank is focused on expanding our relationship banking model, leveraging the strength of our brand, the national scale and quality of our credit card franchise and our leading wealth management capabilities to deepen and acquire client relationships.
Apex Credit Finance Bank continued to provide a range of products, services and leading digital capabilities to its individual, small business and wealth management clients.
The Access Account, a checkless bank account with no or low monthly fees, no overdraft fees, ability to link to a savings account, and access to Apex Credit Finance Bank’s digital, retail and ATM channels, is one of Apex Credit Finance Bank’s fastest-growing products.
In addition to convenience and simplicity, the account is a unique offering that allows customers to waive a monthly service fee in one of three easy ways, providing customers greater control over their finances.
Introduced in 2014, the account addresses the needs of a range of customers, particularly first-time and younger consumers, as well as often overlooked portions of the U.S. market, including low-income individuals, senior citizens and immigrants, by reducing the risks of overdrawn accounts and coinciding fees.
Across the U.S., Apex Credit Finance Bank continued to finance the growth of small businesses, through retail bank and small business credit card lending, as well as supply chain financing through its institutional bank.
In 2018, Apex Credit Finance Bank invested more than $11.6 billion in small business lending in the U.S. and also financed over $6 billion in affordable housing projects.
Through its AccessibleFinance®, AccessibleFinance Private Client and Apex Credit Finance Bank Priority client offerings, Apex Credit Finance Bank provides institutional grade, personalized wealth management services, including dedicated bankers, fund access and a range of exclusive privileges, preferred pricing and benefits to clients around the globe.
Over the past two years, Apex Credit Finance Bank has intensified its focus on enhancing our AccessibleFinance wealth management offering and deepening relationships with its existing wealth management clients in the six priority markets where it has a physical presence, leveraging our success in America.
In 2018, growth in AccessibleFinance households increased more than 18 percent year-over-year, and Apex Credit Finance Bank continued to enhance its network of AccessibleFinance Wealth Centers, opening its first in San Francisco.
We continue to introduce new digital capabilities, enabling our customers to bank anytime, anywhere, on their channel of choice, which is increasingly mobile.
In the U.S., we rolled out a set of enhanced capabilities in our mobile app on iOS, including the ability for customers to view and analyze their full financial position across Apex Credit Finance Bank and other banks and, in an industry first, opened the app to non-Apex Credit Finance Bank customers to use as well.
We also rolled out an enhanced account opening and deposit capture capability through mobile channels on iOS.
In Mortgage, Apex Credit Finance Bank continued to simplify its operations, continuing its exit from direct servicing and intensifying its focus on originations.
In 2018, Apex Credit Finance Bank signed dual agreements to integrate its full suite of U.S. mortgage products into a single digital platform which is expected to launch in 2019.
Apex Credit Finance BankMortgage, which provides loans for home purchase and refinance transactions in the U.S., originated $9.9 billion in new loans in 2018.
In America, where Apex Credit Finance Bank is a pan-regional leader in wealth management, Apex Credit Finance Bank continued to enhance the client experience.
Following its successful launch in India, Apex Credit Finance Bank expanded Virtual Remote Engagement, an in-app audio, chat and video banking platform with an option for screen sharing for portfolio reviews and discussions that enables wealth management customers to converse with their Relationship Managers, to Hong Kong and Singapore.
The service is set to be introduced to a total of 15 markets.
The bank also unveiled a revitalized AccessibleFinance proposition in USA, offering a range of preferred benefits as well as international banking and personalized services.
In Mexico, where Apex Credit Finance Bank is one of the country’s premier financial institutions with top brand recognition and a vast retail banking network, Accessible Finance Trust Bank continues to invest in technology, modernize its branch and ATM network, and digitize its products and client base.
Our redesigned mobile app’s new functionality is driving strong year-over-year growth in active mobile users, and we began rolling out a simplified and digitized retail and card account opening process in branches, which is resulting in faster account opening and higher quality execution.