FirstBank H1'11 Investor & Analyst Presentation

Highlights Evolution of group profit after tax (N'bn) FirstBank Since 1894 Review Operating Environment 107.0 [94.2] [(36.7)] (18.8) 32.7 [28.1] [0.9] (14.4) TY Strategy & Risk Mgt & Financial Corporate Governance Transformation Summary & Outlook Interest Income []June 2010 [(54.9)] 35.7 31.3 [(6.3)] (70.8) [31.7] (4.5) [25.4] Interest Expense Non-Interest Income Net Provisions Operating Expenses Profit Before Taxation Tax* Profit After Tax *Estimated FirstBank H1'11 Investor & Analyst Presentation - 27/07/2011 9

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