Financial Highlights and Growth Trends

Financial Highlights Gross Earnings N41.9bn; +28% 1H'12: N32.7bn Net Interest Income Non-interest income Profit Before Tax N15.2bn; +27% 1H'12: N12.0bn N10.8bn; +70% N6.3bn; +93% 1H'12: N6.3bn 1H'12: N3.2bn Total Assets Loans & Advances Deposits Shareholders' Funds N690.8bn; +19% N272.8bn; +19% N564.9bn; +21% N49.0bn; +5% FY'12: N580.2bn ROAE 24.8% 1H'12: 13.7% FY'12: N229.4bn FY'12: N466.8bn FY' 12: N46.6bn Cost-to-income 74.7% Earnings per Share NPL Ratio 38 kobo 2.7% 1H' 12: 82.2% 1H'12: 19 kobo 1H' 12: 3.0% Sterling Bank The one-customer bank.

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