FirstBank H1'11 Investor & Analyst Presentation

Operating Environment Highlights Summary & Outlook Strategy & Transformation Risk Mgt & Financial Corporate Governance Review Risk management framework (1 of 2) Detailed framework and disclosure Risk Appetite Asset quality • • • FirstBank Best in class risk management practice Publication of risk management disclosures, an integral part of FirstBank annual report Risk Management Framework A conservative balance is maintained between risk and revenue considerations Appetite for risk is governed by high quality assets measured by the following three key performance indicators: ratio of non-performing loans to total loans ratio of loan loss expenses to interest revenue: and ratio of loan loss provision to gross non-performing loans Board Credit Committee Board of Directors Board Audit and Risk Assessment GMD/MCC GMD/MANCO² 2 Performing accounts are marked to market Adequate provisions are made Technology Statistical analysis system is being implemented FirstBank H1'11 Investor & Analyst Presentation - 27/07/2011 3 ED/CRO Internal Audit Since 1894 1 Group Managing Director/Management Credit Committee 2 Group Managing Director/Management Committee 3 Executive Director/ Chief Risk Officer 23

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