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Investor Presentaiton

H1 2021 highlights • Profit before tax of N45.2bn (up 9.2% y-o-y) . 48.1% increase y-o-y in non-interest Income • 20.0% decrease y-o-y in impairment charges • Continued expansion of electronic banking boosting revenue and driving financial inclusion • 32.7% increase y-o-y in e-banking revenues Leading agent banking network in Nigeria with 117k+ agents • Sustained improvement in asset quality . • Further decline in NPL ratio to 7.2% (FY20: 7.7%) Notable growth in quality loans and advances • • 14.5% increase in net customer loans to top quality obligors New Board appointments (non-executive directors) at FBNHoldings and FirstBank • Retention of Executive Management across the enterprise Key Highlights 5

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