FirstBank H1'11 Investor & Analyst Presentation

Summary & Strategy & Transformation Outlook Risk Mgt & Corporate Governance Financial Review Operating Environment Highlights Our corporate strategy for the Bank gives equal emphasis to financial as well as non-financial priorities Bank Strategic framework FirstBank Since 1894 CORPORATE STRATEGY FINANCIAL PRIORITIES ■ Fees & commissions increase ■ Selective ☐ loans/advances creation Pricing optimization SBU FOCUS Institutional Improved value proposition and tailored Banking solutions to serve largest corporations Corporate Lending at managed risk; improved Banking penetration of mid-sized corporates Public Sector Banking ■ Low cost deposit liability generation Retail Banking Operating expense containment Private Banking Bank of choice for government bodies at the Federal and State levels Strong affluent/SME customer acquisition with continued deposit drive and credit expansion Premium/differentiated sales and service model for high net worth individuals NON- FINANCIAL PRIORITIES ■ Service excellence ■ Credit quality/ process excellence Brand transformation ■ Talent management ■ Performance management FirstBank H1'11 Investor & Analyst Presentation - 27/07/2011 27

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