Sterling Bank National Branch Network

Asset Quality 23.6% -50% 11.5% 4% 82.0% 85.4% -44% 18.0% 10.0% FY 2009 FY 2010 NPL Ratio Coverage Ratio Provision to Gross Loans Loans by Performance 23.6% 30 FY 2009 76.4% 11.5% FY 2010 88.5% Comments Improvement in asset quality driven by the purchase of bad loans by AMCON and internal loan recovery initiatives. ■ Coverage ratio also improved from 82% at FY 2009 to 85% Performing Non-Performing 1. Sterling Bank The one-customer bank.

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