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Financial Performance Highlights

Overview Operating Environment Financial Review Guidance Our Vision: To be number 1 in every market we serve and for every branded products we offer Rated and In compliance with the NGX Corporate Governance Rating System (CGRS) OGRS Better For Business RATED > 250 Business Offices NC NW 13% 7% 200 > 6m+ Business 39% SW > 250 Offices 19% Customer Accounts SS 18% NE SE > 3,000 Professional Staff NC >135 15% NW Call Centre Agents 5% Deposit Spread 4% >N2trn 52% SW SS > 15k 13% 2% Banking Agents SE NE ■" Agusto&Co. Research, Credit Ratings, Credit Risk Management A Fitch Ratings B-/Stable/B Listings: NINGX FMDQ OTC Securities Exchange GCR S&P Global B-/Stable/B A- Irish Stock Exchange 5

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