Sterling Bank National Branch Network

11 Funding Ecosystem (Industry) Central Bank of Nigeria Monetary Policy Rate (MPR) Nigerian Interbank Offer Rate (NIBOR) Call 7-day 30-day 16% 60-day 90-day 14% 6.40% 6.20% 6.00% 5.80% 5.60% 5.40% 5.20% 5.00% Jan Feb Mar Apr May June July Aug Sept Oct Nov Dec 2010 12% 10% 8% 6% 4% 2% 0% Jan Feb Mar Apr May June July Aug Sept Oct Nov Dec 2010 Deposit Taking - Savings Accounts Deposit Taking - Fixed Deposit Call 7-day 30-day 60-day 14% 12% 10% 8% 6% 90-day 180-day 270-day 360-day 4.50% 4.00% 3.50% 3.00% 2.50% 2.00% 1.50% 1.00% 4% 9999 0.50% 2% 0.00% Jan Feb Mar Apr May June July Aug Sept Oct Nov Dec 0% 2010 Jan Feb Mar Apr May June July Aug Sept Oct Nov Dec 2010 1. Sterling Bank The one-customer bank.

View entire presentation