Top tier bank, Access said its pretax profit fell 14% over the first half of the financial year.
Gross earnings at N104 billion also slightly tanked 5%, against N109 made over the similar period in 2012.
Net income was N21 billion, down 20%.
Good news for its shareholders as the bank declared a 25 kobo dividend on every N1 ordinary share held.
Analysts say they expected the weakness in the results and expect the company will recover some momentum by year end.