Investor Presentaiton

Asset Quality Loans & Advances (N'bn) access>>>> Loan Analysis by Currency (N'bn) 71.4% 73.7% 67.7% 59.1% 61.5% 25% 44% 46% 45% 44% 1,080 1,123 1,153 949 75% 872 56% 54% 55% 56% Mar'14 Jun'14 Sep'14 Loans and Advances (bn) Assets Quality (N'bn) Dec'14 Mar'15 Jun'13 Dec'13 Jun'14 Dec'14 Mar'15 LDR ■LCY FCY 165% 27.3 154% 139% 116% 114% 25.3 24.6 24.3 23.5 2.7% 2.5% 2.5% 2.2% 2.1% Mar'14 Jun'14 Sep'14 Dec'14 Mar'15 NPL (N'bn) NPL Coverage NPL % ©2015 ACCESS BANK PLC Comments LDR increased to 73.7% in March 2015, up 230bps from 71.4% in Dec'14. Increase in LDR was driven by the 4% reduction in customer deposits in the period as loan grew marginally by 3% Sustained reduction in NPL ratio to 2.1% driven by the Banks enhanced facility monitoring system and quality obligors Foreign currency exposure reduced to 44% of the total loan exposure Coverage Ratio (with regulatory risk reserve) increased to 165% in Mar'15, adequate provisions are made on classified assets 16

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