Investor Presentaiton

Profitability In N'bn 19.4% 19.5% 17.0% access>>>> 19.2% 16.5 15.0 11.3% 13.4 13.7 10.3 2.9% 2.8% 2.9% 3.1% 2.0% Q1'14 Q2'14 Q3'14 Q4'14 Q1'15 PBT ROAA ROAE Comments PBT increased 23% y/y and 61% q/q to N16.5bn in Q1'15 Key drivers: 17% growth in interest income from loans and advances due to the size of the loan portfolio and improved yield on fixed income securities 72% growth in non interest income resulting from increased net gains in financial instruments classified as held for trading and fixed income securities Improvement in ROE and ROA q/q to 19.2% and 3.1% respectively ©2015 ACCESS BANK PLC 11

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