Financial Highlights and Growth Trends

Capital Adequacy and Liquidity 67.0% 48.5% 67.3% 64.0% 61.4% 52.9% 58.0% 49.5% 47.0% 39.5% 16.0% 13.3% 14.6% 14.3% 12.0% Jun 2012 Sep 2012 Dec 2012 Mar 2013 Jun 2013 ■Liquidity Ratio ■Loan-to-deposit ■Capital Adequacy Comments ■ Capital adequacy and liquidity ratios are above the regulatory benchmarks of 10% and 30% respectively However, decline in CAR was due to growth in risk weighted assets ■ Reduction in loan-to-deposit ratio to 40% as deposit growth outpaced loan growth creating room for further loan growth ■ We have commenced our capital raising programme with the on-going Rights Issue Sterling Bank The one-customer bank.

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