GTBank Business and Financial Performance

Business segmentation Institutional and Wholesale Commercial SME Retail GTBank Loans Deposits PBT Description • Multinationals and large corporates (turnover > N5bn) Key figures • Over 400 customers • №896.38bn loans Comprised of six sectors: Energy Telecoms Maritime • Corporate Finance Corporate Banking Treasury • N456.23bn deposits 69.95% • N73.80bn PBT (Dec-13 PBT: N62.84bn) • Middle market companies (turnover between N500mm and N5bn) • Extensive product range: tailor-made solutions and flexibility • Custom E-commerce solutions • Over 50,000 customers • N183.63bn loans ⚫ #267.46bn deposits N10.77bn PBT (Dec-13 PBT: N19.77bn) • Small and medium enterprises (turnover under N500mm) • Products tailored to cater to small, fledgling and other types of fairly unstructured businesses • Over 150,000 customers • N16.66bn loans • N140.46bn deposits • №1.86bn PBT (Dec-13 PBT: N4.99bn) 27.65% 64.03% 2013: 59.2% 2013: 24.3% 2013: 58.7% 14.33% 1.30% 9.34% 16.21% 2013: 20.6% 2013: 17.5% 2013: 18.5% 8.51% 2013: 2.2% 2013: 9.7% • Over 6.5mil. customers 9.64% Deposit drive focus for retail customer-base Rapidly developing business line • 216 branches, 58 e-branches & 1,141 ATMs • Extensive leverage of all distribution channels • N123.58bn loans • N678.22bn deposits • A21.79bn PBT • Focus on: •Federal government Public • State governments Sector • Local governments and customers • Active in all government segments (Dec-13 PBT: N12.60bn) • All tiers of government 4.77% • N61.14bn loans • N107.49bn deposits 2013: 9.7% 41.11% 6.52% 1.62% 18.91% 2013: 4.7% 2013: 41.6% 2013: 11.8% 6.10% • №7.03bn PBT (Dec-13 PBT: N6.79bn) 2013: 8.2% 2013: 7.6% 2013: 6.3%

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