Financial Highlights and Growth Trends

Rights Issue 100% = N12,126.3 million (Net Proceeds) Fund Utilization 4,850.5, 40% 4,244.2, 35% 1,818.9, 1,212.6, 10% 15% Branch Expansion Information Technology Infrastructure upgrade Working Capital Comments The Rights Issue commenced with overwhelming support from shareholders ■It is the first phase of our US$400mn capital raising programme ■Issue size of N12.5bn and expected net proceeds of N12.1bn (97%) Allotment on the basis of three (3) new ordinary shares for every eight (8) ordinary shares of 50 kobo each held as at the close of business on May 20, 2013 ■ Issue price of N2.12 represented 47% discount to book value as at June 2013 Offer closed July 31st 2013 Sterling Bank The one-customer bank.

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