Sterling Bank National Branch Network

29 2009 2010 Non Performing Loans (NPL) by Sector Gross Loans FY 2010 N'B Oil and Gas, 18% Real Estate, 5% Mortgage, 3% | Agriculture, 0.6% Manufacturing, 16% Communication, 3% Finance and Insurance, 2% Education, 0.1% Capital Market, 7% Transportation, 3% ■Consumer Credits, 1.4% Others, 41% 13% 20.6 FY2009 ■FY2010 -29% 23.2 -3% 20.2 9.0 6.9 4.3 4.1 3.8 -92% 0.7 0.1 52.7 12.89 0 00 000000 20.8 108.3 7.0 7.2 10.9 0.8 0.6 0.3 0.7 0.3 NPL Breakdown -75% -16% 10,132 10,624 8,904 2,087 1,485 2,499 Sub-standard Doubtful 50.7 22.84 -44% 22,843 12,888 Lost Total NPLs 1. Sterling Bank The one-customer bank.

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