Sterling Bank National Branch Network

25 Assets Funding Mix N' Millions 161,277 26% 203,075 FY 2009 FY 2010 Comments ■ Diversified funding base with deposits as the major funding source ■ Deposits funded 73% of total assets ■ To keep funding costs low, deposit mobilization was skewed in favour of stable low cost deposits -8% 76% 24% I 25,058 14,202 24,766 22,860 26,118 21,074 Deposits Long-term Borrowing Other Liabilities Equity Asset Funding Mix 10% 11% 6% FY 2009 73% 9% 9% 8% FY 2010 73% Deposits Long-term Borrowing Other Liabilities Equity 1. Sterling Bank The one-customer bank.

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