Investor Presentaiton

Deposit Mix Customer Deposits (N'bn) 1,404 1,451 1,479 1,454 1,395 39% 544 42% 618 40% 592 43% 629 40% 555 8% 113 8% 8% 111 117 9% 129 9% 131 53% 746 50% 722 52% 769 48% 696 51% 709 Mar'14 Comments Deposits by Region 3% 2% 5% Q1'15 2% 2% Dec '14 access>>> 91% 91% Jun'14 Sep'14 Dec'14 Mar'15 Nigeria ■■ UK Ghana Rest of Africa ■ ■ Demand ■■Savings Term Customer deposits reduced by 4% to N1.4 trillion largely due to the replacement of expensive deposits to reduce funding cost Deposits mix improved with low cost deposits accounting for 60% of the total deposits base (Dec'14: 56% low cost deposits) Improved deposits contribution from subsidiaries with Ghana and Rest of Africa contributing 5% and 3% respectively in Q1'2014 ©2015 ACCESS BANK PLC 18

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