Investor Presentaiton

Business Segmentation Corporate & Investment Segments focus Multinational and well-structured large companies (turnover > N20 billion) Comprised of nine segments Cement and Construction Segment Highlights • Over 500 Customers Banking Division Commercial Banking Division Business Banking Division Communications Manufacturing Financial Institutions access>>>> Loans N518bn Deposit PBT N293bn N11.8bn • Oil & Gas Loans: N518bn Transportation Upstream Oil & Gas Agriculture • Deposit: N293bn • PBT:N11.8bn Dec'14: N568bn Dec'14: N305bn Q1'14:N5bn Incorporated companies with turnover of N1 billion and above Customer segments include: Federal, State and Local Government MDA's Corporate and Investment Banking Value Chain Asian Companies Local corporates Companies, and Small and Medium Enterprises ("SMES") with annual turnover < N1 billion Products tailored to cater to small and other types of fairly unstructured businesses Personal Banking Division The division focuses on the following customer segments Affluent professionals Employees in the value chain Informal traders High Net-worth Individuals (HNI) Ultra-High Net-worth Individuals (UHNI) ©2015 ACCESS BANK PLC N558bn N582bn N6.7bn Over 170,000 Customers • Loans: N558bn • Deposit: N582bn 00 • PBT:N6.7bn Dec'14: N483bn Dec'14: N638bn Q1'14: N6bn Over 300,000 Customers N34bn N182bn (N1.9bn) Loans: N34bn Deposit: N182bn Loss:N1.9bn Dec 14: N32bn Dec 14 N174bn Q1'14:(N2bn) N32bn N338bn (N112mn) • Students Pensioners Over 5.6m Customers Loans: N32bn • Deposit: N338bn Loss:N112mn Dec'14: N27bn Dec'14: N337bn Q1'14:N1bn 21

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