Investor Presentaiton

Financial Review Cleaner balance sheet and resilient earnings generative capacity continue to provide a solid platform for sustainable capital accretion First Bank Nigeria H1 21 CAR at 16.8% including half year profit (15.7% exc. profit) Businesses across the group are sufficiently capitalized Increasingly diversified earnings from non-capital consuming sources support capital capacity * Half year profit FirstBank Nigeria CAR (%) 17.0 16.8 1.1* Reg. threshold: 15% 15.7 FY 20 H1 21 FBNQuest Merchant Bank CAR (%) 26.6 FY 20 21.4 H1 21 Reg. threshold: 10% 19

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