First Quarter Group Results

Our Key Growth Target Sectors Driving Profitability with our Competitive Advantages Identified Growth Sectors ■ Retail/SMEs Agriculture ■ Healthcare/Pharmaceuticals Infrastructure ■ Manufacturing ■ Petrochemicals ■ Real Estate and Construction ■Service Industry ■ Telecoms ■ Transportation and General Commerce Competitive Advantage ■ Strong capital and liquidity ■ Strong brand ■ Robust risk management framework ■ Extensive branch network ■ Robust ICT and digital channels ■ Well motivated staff force ■ Excellent customer services © 2023 ZENITH BANK PLC | First Quarter Group Results Presentation to Investors & Analysts | Page 39

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