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Investor Presentaiton

Sterling Bank Investor Relations Financial Ratios Indicator Pre Tax Return on Average Equity (annualized) Post Tax Return on Average Equity (annualized) Return on Average Assets (annualized) Earnings per Share Yield on Earning Assets Cost of Funds Net Interest Margin Cost to Income NPL Ratio Coverage Ratio Capital Adequacy Ratio Liquidity Ratio Loan to Deposit Ratio Q1 2014 22.6% Q1 2013 25.2% 20.0% 22.7% 2.0% 2.0% 15k 17k 13.2% 11.1% 5.6% 5.9% 7.6% 5.1% 71.7% 72.1% Mar 2014 Dec 2013 1.8% 2.1% 78.0% 80.3% 14.0% 14.0% 62.7% 61.5% 62.4% 56.4% Q1 2014 Results 3

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