Heritage Bank Plc. (HB PLC), often referred to as Heritage Bank or simply HB, is a financial services institution. It is one of the commercial banks licensed by the Central Bank of Nigeria, the country's banking regulator. with a national operating license, that offers retail banking, corporate banking, online/internet banking, investment banking and asset management services; its head office is at 292B Ajose Adeogun Street, Victoria Island, Lagos, Lagos State, Nigeria. In 2012, the core investor, IEI Plc, through IEI Investments Limited, acquired the Societe Generale Bank of Nigeria (SGBN) license from the Central Bank of Nigeria (CBN). Having fulfilled all required criteria, the bank returned 100% of existing SGBN account holders’ money to their owners. Heritage Bank Plc is a large financial services provider in Nigeria. Currently licensed as a National Bank, it offers banking and financial services in the country, including the South, West, Southeast and the North. As of December