Digital Banking and Financial Performance Review

Regional Performance (Banking Subsidiaries - FY 2022) East Africa " West Africa (ex. Nigeria) UK " 32 branches FY 2022 Gross Earnings: N24.81 bn (FY 2021: N23.50 bn) FY 2022 PBT: N7.22 bn (FY 2021: N6.62bn) ROAE: 9.6% (FY 2021: 10.5%) 9.1% y-o-y 5.6% y-o-y " 80 branches, 1 e-branch " FY 2022 Gross Earnings: N102.14 bn (FY 2021: N 87.83bn) 16.3% y-o-y " FY 2022 PBT: N26.27 bn (FY 2021: N46.57 bn) 43.6% y-o-y " ROAE: 15.3% (FY 2021: 25.7%) 1 branch FY 2022 Gross Earnings: N10.33 bn (FY 2021: N4.76 bn) 117.1% y-o-y FY 2022 PBT: (N1.61 bn) (FY 2021: (N1.16 bn)) 39.2% y-o-y ROAE: (9.4%) (FY 2021: (6.3%)) 34

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