Financial Highlights and Growth Trends

Retail Strategy Sales Platforms Direct sales agents Channels ATMs Third party acquirers POS Terminals Virtual sales force Spoke Branches Agency banking Non-interest banking 1 High Net-worth individuals 2 Small & medium enterprises Customer Segments Mass market Affluent HNIS 1 Hub Branches • Micro enterprises Social Media E-banking Sterling Bank SMES 2 Sterling an ווו Sterling Bank The one-customer bank.

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