Sterling Bank National Branch Network

27 Gross Loans by Type Loans & Advances N'M 13% = 100% 114,765 = 100% 101,306 3,121 4,556 22,303 16,735 38,899 61,745 41,116 FY 2009 Loans & Advances by Type 17% 4% 27,597 FY 2010 19% 41% Overdraft Term Loan Others Finance Lease Comments ■ Gross loans and advances improved 13% reflecting gradual return of risk appetite limited by fewer lending opportunities ■ Term loans grew 59% and accounted for 54% of gross loans 3% 24% Overdraft Term Loan Others Finance Lease 38% 54% FY 2009 FY 2010 1. Sterling Bank The one-customer bank.

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