Investor Presentaiton

Key Performance Highlights 1 2 access>>>> Q1'15 Q1'14 %A Gross Earnings (N'bn) 76.8 57.3 34.0 Operating Income (N'bn) 54.0 42.3 27.7 Profitability Impairment Charges (N'bn) (3.9) (1.5) 155.5 PBT (N'bn) 16.5 13.4 23.0 EPS (kobo) 60 53 17.1 Cost to Income (%) 62.2 64.6 Mar'15 Dec 2014 %A Total Assets (N'bn) 2,136 2,104 2 Shareholders' Fund (N'bn) 291 277 5 Balance Sheet Customers' Deposits (N'bn) 1,395 1,454 -4 Loans & Advances (N'bn) 1,153 1,123 3 Q1'15 FY'14 A 3 Capital Adequacy (%) 19.6 18.4 +1.2 Prudential & Liquidity Ratio (%) 34.5 36.0 -1.5 Performance Ratios Loans to Deposit (%) 73.7 71.4 +2.3 After tax ROAE (%) 19.2 16.5 +2.7 ©2015 ACCESS BANK PLC 9

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