FirstBank FY'10 & Q1'11 Investor & Analyst Presentation

Operating Environment Highlights Summary & Outlook Strategy & Transformation Risk Mgt & Financial Corporate Governance Review Risk management framework (1 of 2) Detailed framework and disclosure • • FirstBank Best in class risk management practice Publication of risk management disclosures, an integral part of FirstBank annual report Risk Management Framework Risk Appetite Asset quality • A conservative balance is maintained between risk and revenue considerations Appetite for risk is governed by high quality assets measured by the following three key performance indicators: ratio of non-performing loans to total loans ratio of loan loss expenses to interest revenue: and ratio of loan loss provision to gross non-performing loans No sector on the Group's portfolio gives cause for serious concern • Performing accounts are marked to market Board Credit Committee • Adequate provisions are made Technology Statistical analysis system is being implemented FirstBank FY'10 & Q1'11 Investor & Analyst Presentation - 28/04/2011 Board of Directors Board Audit and Risk Assessment GMD/MCC GMD/MANCO² 2 ED/CRO 3 Internal Audit 1 Group Managing Director/Management Credit Committee 2 Group Managing Director/Management Committee 3 Executive Director/ Chief risk Officer 21 Since 1894

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