The expansion of ASL will be focused on the Nigerian local market, the African market and Nigerians in the Diaspora.

The Nigerian local market: - the primary focus is to establish branches in all the state capital of the federation and the federal capital territory i.e. 37 branches.

The secondary phase of the bank’s expansion will involve the establishment of branches in 33 major cities in Nigeria.

The African mortgage market: - is fast growing and is able to attract development fund. The US government, through USAID grant and OPIC loan has agreed to disburse (USD) $50 million from 2008 towards the development of over 1,250 housing unit in Uganda, South Africa, Nigeria, Ghana and Botswana. ASL intends to partner such development institutions in the mortgage development in African region. The bank will therefore be opening branches in the West African sub-region and in the rest of Africa. The international branches will be in collaboration with local investor in the targeted countries.

The Diaspora Market: – It is estimated that there are 5 to 10million Nigerians all over the world including the new generations, the offspring of Nigerians who have migrated and now domicile across the globe.

This class in Nigeria is accustomed to mortgage loan and is willing to invests in real estate in Nigeria. ASL will partner with international financial institution in the countries where there are large Nigerian population towards facilitating mortgage and home acquisition in Nigeria. In the long run ASL will open up offices in key financial centres in the world.