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

Operating Environment Highlights Summary & Strategy & Transformation Outlook Risk Mgt & Corporate Governance Financial Review 9% 906 1% 90 We are gradually working out the concentration risks 35.6% 23.3% Ageing analysis of NPL portfolio (bank only) 90 179 days 180 359 days I above 360 days 26.6% 32.4% 40.5% 40.8% 44.8% 52.7% Dec-09 Mar-10 1% 2% 43.7% 33.1% 30.4% 39.2% 34.5% 29.7% 19.5% 24.0% 28.8% 20.3% 15% Jun-10 Sep-10 Sector NPL Ratio's (bank only) 35.5% 3.5% 18.3% 5.2% 15.6% 22.9% 21.4% 17.7% 11.3% 12.9% 5.6% 5.1% 5.3% 4.5% FirstBank FY'10 & Q1'11 Investor & Analyst Presentation - 28/04/2011 Retail others General commerce 9% 27% Oil & gas Dec-10 ■Mar-11 Transportation and storage Dec-10 Mar-11 % of Loan Book as at Mar-11 1% 2.3% 3.2% 6% 3.2% 1.9% 9% 1.8% 1.5% 14% 0.5% 0.7% 7% 0.4% 0.3% 0.1% 0.8% 0.0% Information and communication Manufacturing Finance and insurance Government 20 20 Power and energy FirstBank Since 1894

View entire presentation