FirstBank FY'10 & Q1'11 Investor & Analyst Presentation

Operating Environment Risk Mgt & Corporate Governance Financial Review Strategy & Transformation Summary & Outlook Highlights Risk Management framework (2 of 2) Credit risk FirstBank Creation of loans and management of the risks inherent in the loan portfolio remained a focal point A special recovery unit has been set up to revamp recovery strategy, to implement recovery initiatives that would ensure provisions taken in prior periods are reversed Market and liquidity risk Increased market confidence and perception of the bank as strong and reliable Healthy liquidity position has been maintained Environmental and social risk Operational risk • Environmental and social risk management system policy being implemented This is aimed at promoting environmental soundness and sustainable development in a socially responsible manner especially in large ticket project financing Through management focus and resources the operational risk has been managed within acceptable levels We continue to work at minimising operational losses by strengthening control mechanism's • To achieve timely prevention and detection of fraud, an internal control antifraud automated system software was recently deployed Information security risk Obtained ISO27001 certification from British Standard Institute. • The certification is the world's highest accreditation for information protection and security from the international Organisation for Standardisation (ISO) FirstBank FY'10 & Q1'11 Investor & Analyst Presentation - 28/04/2011 Legal and compliance Risk Improvement of access to sound legal advice and the awareness of the need to identify, mitigate and manage legal risks Compliance risks are being identified and mitigated through continuous improvement in technology infrastructure, process rejuvenation/revalidation and training of stakeholders to understand regulatory obligations and consequences of non-compliance. 22 Since 1894

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