Opening Hours: Mon -Fri, 8am - 5pm

About us

Baines Credit Microfinance Bank is a financial institution committed to solving all the financial needs of salary earners, micro, small, and medium scale enterprises, and other corporate sectors through an empathic and innovative process. We are a limited liability company duly incorporated in Nigeria in April 2016 under the 2002 Companies and Allied Matters.

Our financial services are regulated by the Central Bank of Nigeria
(CBN) and our customers’ deposits are insured by Nigeria Deposit
Insurance Corporation (NDIC).

Our Mission

To provide value to our various stakeholders through innovation, the creation of economic prosperity and financial inclusion.

Our Vision

To be the reference point Microfinance Bank, offering financial services to address commercial and social needs.

Corner Editor:

Our Core Values

We uphold certain principles and standards which
guide us in our everyday activities.

Customer Centric

You are our most important customer. Your satisfaction is of high importance as we endeavour to serve you better.


You will be treated with utmost respect and dignity. We are consistent and always there for you through life’s journey.


We get things done promptly, timely and we deliver all actions excellently, getting the best result possible at the first attempt of execution.


Operational excellence, product leadership, customer intimacy, reliability, timely delivery above your expectations and a great relationship with you


Organizational quality, performance excellence and continuous improvement to guarantee your satisfaction

Team Work

The best solutions cones from working together with colleagues and with you. Effective teamwork requires relationships respect and sharing

Meet Our Management Team

We are a team passionate about economic prosperity and financial inclusion in
Nigeria. We are concerned about getting your financial needs solved by first
understanding them before providing tailored financial services, such as savings,
investments, and loans, including complex financial decisions.

Mr Ayobami Adegoke


Mr. Williams Adidi

Head, Credit risk management

Mr. Wale Bakare


Baines Credit MFB Staff

Mr. Ayobami Adegoke

Chief Executive Officer/Managing Director

He holds a B.Tech in Electrical and Electronic Engineering and an MBA in Finance, He has over a decade experience in the Financial Industry, experience spanning Branch operations, Marketing, E-Business, Process Improvement, Project Management, Digital Banking and Financial Inclusion. He is an experienced Business Analyst (certified Lean Six Sigma) with expertise in analyzing E-Business products and other bank operations processes/products.

Mr. Williams Adidi

Head, Credit Risk Management

Adidi Williams Ovie holds a B. Agriculture in Agricultural Economics and Extension from Delta State University, Abraka Delta State, and a Masters Degree in Risk management (in view) from University of Lagos, Lagos State.

Adidi has over 10 years experience in credit risk management, loan recovery, portfolio management, credit analysis, risk evaluation and people’s management.

Mr. Bakare Oluyemi Wale

Head, Operations & Financial Control

Bakare,Oluyemi Wale (.ACA, ACTI, MBA,) holds a B. Agric. in Agric. Economics obtained from the University of Agriculture Abeokuta, Ogun State (now Federal University Of Agriculture Abeokuta, FUNAAB). He is a Chartered Accountant, Chartered Tax Practitioner. He is also an MBA holder.

He has more than fifteen (15) years’ work experience that have cut across accounting (Folad Formed Ltd), administrative and teaching (Temidire Oxford International High School) and commercial banking (Sterling Bank PLC and Wema Bank PLC)

He has worked as Head of Finance & Accounts of reputable microfinance banks which includes Finatrust MFB Ltd, Crossover MFB Ltd, Edfin MFB Ltd, and Mkobo MFB Ltd and Unilag MFB Ltd

He has worked in all aspects of bank branch operations in active, supportive, administrative and management capacities.

He has attended numerous trainings and courses/symposium as a teacher, banker, accountant and auditor.

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