Investor Presentaiton slide image

Investor Presentaiton

Financial Review Robust non-interest income revenues on the back of increased transaction volume Non-interest Income Breakdown Net (N'bn) Fees & Commission Breakdown Gross (N'bn) . Fees & commission recorded a +27.2% increase y- o-y in Q1 23 (FY 22: +2.4%) -37.6% +2.4% • FY 22 non-interest income fell by 37.6% y-o-y to #227.2 billion due to lower trading and a decline in other income [2021 benefited from high recoveries] Q1 23 non-interest income rose by 11.8% y-o-y to #72.3 billion as a result of higher net fees & commission as well as slight increase in other income Increasing penetration of digital and transaction banking offerings support non-interest income, notably in Q1 140.6 144.0 364.3 27.3 30.2 227.2 12.7 6.8 155.7 11.8 16.0 15.7 16.0 92.0 116.6 25.7 83.5 118.0 16.7 19.9 56.4 55.1 FY 21 FY 22 FY 21 Net fees & commission Trading income Others (1) ■E-banking Remittances | LoC commission & fees FY 22 Account Maintenance Credit related fees Others (2) +11.8% +27.0% • FirstMonie Agent network continues market expansion with more than >200k (3) agents (FY 21: 152.7k) 64.7 23 42.8 72.3 33.7 28 6.5 34.3 3.1 6.3 35.1 4.0 5.2 4.1 35.3 17.9 27.3 12.2 Q1 22 Q1 23 Net fees & commission Trading income Others (1) (1)Others include dividend income and other operating income (2) Others include commission on bonds and guarantees, custodian fees, financial advisory fees, fund management fees, brokerage and Intermediations, other fees and commissions, trust fee income (3) As at 31 March 2023 E-banking Q1 22 LoC commission & fees Remittances Q1 23 Account Maintence Credit related fees Others (2) 14
View entire presentation