Sterling Towers Q1 2022 Financial Performance

Strategic Objectives In line with our business model, we continue to leverage on industry knowledge, advanced technology & ethical financing to empower our stakeholders Business stability market share gains through Digital Capabilities Capital, Liabilities and Liquidity Buffers Stronger governance and underwriting frameworks Stable liability mix and lower cost of funds: CASA Ratio >60% Cost Optimization Solidify the foundation & calibrate growth (immediate) Continued focus on growing our Retail/ MSE business Accelerate strategic partnerships across the HEART sectors Corporate flows and Cross sell through Transaction banking Continued investment in our people and encouraging a great place to work Predictable and Sustainable Earnings Return value to Shareholders Short - Medium Term Objectives

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