Sterling Bank National Branch Network

28 2009 2010 Gross Loans by Sector Gross Loans FY 2010 Real Estate & Construction, 33% Manufacturing, 12% N'B Finance & Insurance, 4% Transport, 3% Capital Market Operators, 2% Consumer Credit, 0.002% ■ Power, 1% 130% 37.7 122% 4% 18.7 16.4 8.4 12.5 5.9 -58% Oil & Gas, 16% I Government & Other Public Utilities, 4% Telecoms, 1% ■Education, 0.2% Mortgage, 2% Agriculture, 2% General/Others, 20% 1.2 0.2 0.6 0.0 13.0 -22% 148% -33% -5% 2.5 4.6 3.0 A -81% 5.9 4.4 0.5 0.3 14.7 2.8 2.3 2.0 23.2 0 000 0 3.8 4.6 0.7 0.0 18.6 Comment ▪ Diversified Loan book with focus on Oil & Gas, Real Estate & Construction and Manufacturing sectors 11. Sterling Bank The one-customer bank.

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