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Investor Presentaiton

Outlook for Q2'15 Enhanced retail franchise access >>> Intensify customer acquisition across retail segments Drive collections across the value chain of top corporates and commercial banking customers Grow low cost deposits to reduce cost of funds Channels optimisation Integrate front-to-back processes to reduce transaction times and improve operational and cost efficiency Entrench digital banking culture to transform customer experience and provide easy access to channels Enhance the bank's market share across ATM, POS, Retail and Corporate Internet banking Operational efficiency Optimise branch processes to improve service delivery and minimize process lead times Improve branch productivity through better customer engagement Continued focus on cost optimization as the Bank seeks to achieve a CIR of < 60% by year- end 2015 Capital raise completion Obtain regulatory approval to complete Right Issue process Distribute share certificates to investors List new shares on the Nigerian Stock Exchange ©2015 ACCESS BANK PLC 23
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