Sterling Bank National Branch Network

17 Key Financial Ratios FY 2009* FY 2010 21% 2% -4% 39% 56% 212% 76% 50% 47% 24% 12% 13% 12% -27% ROAE ROAA Net Cost- Interest Income Margin Ratio CAR *Annualized Not drawn to scale FY 2009 FY 2010 82% 85% Liquidity NPL Ratio Coverage Ratio Ratio ☐ ■ Comments Return on Average Equity (ROAE) in the first rank percentile among all banks Strong liquidity and improved capital position to support business growth O Drop in Cost-to-income ratio reinforcing improvement in operating efficiency ■ Achieved significant improvement in asset quality. 1. Sterling Bank The one-customer bank.

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