Financial Highlights and Growth Trends

Profitability N'B 1.62 1.62 1.52 1.48 2.73 2.46 3.02 3.25 3.20 2.72 Q2 2012 Q3 2012 Q4 2012 Profit before Tax Q1 2013 Profit after Tax Q2 2013 Comments The Bank recorded strong growth in profitability reflecting improvements in operating efficiency PBT rose 93% to N6.3 billion, while PAT rose 97% to N5.9 billion YoY ■ROAE and ROAA of 24.8% and 2.1% respectively are in line with our medium term goals Earnings per share doubled YoY to 38 kobo in Q2 2013 EPS ROAA ROAE 24.8% 23.0% 15.9% 14.3% 13.9% 1.3% 1.2% 1.4% 2.0% 2.0% Q2 2012 Q3 2012 Q4 2012 Q1 2013 Q2 2013 Q2 2012 19k Q3 2012 29k Q4 2012 44k 38k Q1 2013 17k Q2 2013 Sterling Bank The one-customer bank.

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