Financial Highlights and Growth Trends

Loan Quality Ratios 100.8% 74.2% 73.4% 2.7% 3.8% Dec 2012 3.8% 3.7% Mar 2013 ■Coverage Ratio ■ NPL Ratio Non-Performing Loans by Sector 24% 41% Jun. 2013 2% 2.7% June 2013 Cost of Risk Agriculture; 0% ■Manufacturing; 0.74% ■Construction; 0.04% 2.7% ■General Commerce; 24.41% Transport & Storage; 1.86% I Information & Comm.; 16.56% Finance & Insurance ; 0.3% Real Estate Activities; 0.14% ■Education; 0.63% Comments Continuous improvement in asset quality QoQ ■ NPL ratio reduced by 100 basis points to 2.7% from 3.7% in March 2013 Non-performing loans coverage ratio increased to 101%, while cost of risk was 2.7% ■ Loans classified as 'others' are largely individuals and small businesses, which are relatively volatile We have set up a retail directorate to manage existing relationships and drive our retail penetration strategy 17% ■Capital Market; 3.2% ■Oil And Gas; 10.19% 10% 3% ■Government; 0.87% ■Others; 41.07% Sterling Bank The one-customer bank.

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