Investor Presentaiton

Key Messages Strong earnings growth access >>> Significant increase in gross earnings from N57.3bn in Q1'2014 to N76.8bn in Q1'2015 largely driven by strong contribution of non interest income Cost efficiency Cost to Income Ratio (CIR) improved to 62.2% in Q1'15 from 64.9% in Q4'14 (Q1'15: 64.6%) largely driven by revenue uplift. The bank will continue to optimize its resource base while growing revenue Asset quality NPL ratio reduced from 2.2% in Dec'14 to 2.1% in Mar'15, reflecting the bank's continued improvement in assets quality Improved profitability ratios Improved profitability across key metrics. Return on Equity (ROE) increased to 19.2% in Q1'15 (Q4'14: 11.3%) while Return on Asset (ROA) also increased by 110 bps to 3.1% Improvement in bottom line reflects revenue growth and effective cost control ©2015 ACCESS BANK PLC 8

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