2010 Half Year Investor Presentation - UBA Plc

QUALITY OF EARNING ASSETS…Yield on Earning Assets11.1%FY099.6%1H10• Drop in yield on earning assets reflects theexcessive liquidity in the system that hassignificantly affected yields across allasset types.• NIMs stable around 7%; decline in interestyields almost equal to decline in costs• While there has also been a significantdrop in cost of funds (now 2.5%), the dropwas not as steep as that on yields.Presentation of Group PerformanceNet Interest Margins7.4%1H097.0%1H10Cost of Funds3.8%1H092.5%1H1045